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Checking Accounts
Your Checking Account is important to you, which makes it important to us! We know how often you use your Checking Account and you should never have to pay ridiculous fees or sacrifice service. Shell FCU offers a variety of Checking Accounts so you have options that are convenient and reliable.
Shell FCU accounts are insured up to $250,000 by the National Credit Union Administration, or NCUA. The NCUA is an independent agency of the United States Government. It regulates, charters and insures the nation’s federal credit unions.
| Product Name | Initial Deposit | Minimum Balance* | Rate Type | APY** | Courtesy Pay |
|---|---|---|---|---|---|
| eChecking | $1.00 | $0.01 | Variable | 2.00%*** | Yes |
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As part of our GREEN initiatives, Shell FCU offers an eChecking Account.
There are five easy qualifications each month:
***Each month you meet the qualifications, your ATM fees up to $20 are reimbursed and you EARN 2.00% APY on balances between one penny and $20,000. On balances over $20,000, you receive 0.05% APY. Available to personal accounts only. No monthly service charge. What happens if the qualifications are not satisfied during a cycle?
See a representative for complete details and qualifications. One eChecking account allowed per membership. The qualification cycle aligns with the beginning and end of each month. Interested in an eChecking Account? Request to be contacted by a Shell FCU Representative. |
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| Checking | $1.00 | $2,000.00 | Variable | 0.05% | Yes |
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Shell FCU offers free Checking Accounts with no monthly service charge and no minimum balance requirements. To open a Checking Account, a $1.00 deposit is required.
See a representative for complete details and qualifications. Interested in a Checking Account? Request to be contacted by a Shell FCU Representative. |
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| JumpStart Checking | $1.00 | $2,000.00 | Variable | 0.05% | No |
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JumpStart Checking is the Shell FCU account with a debit card and Digital Banking access for 6 to 15 year olds. This account is for those interested in teaching their children about responsible money management with their own debit card. The parent/guardian establishing the account will have card controls to set spending limits, merchant controls and shared access to Digital Banking. Plus, easy options to transfer funds and setup automatic deposits.
Minors age 6 to 15 years of age are eligible for convenience signer access which includes issuance of a debit card. Limit of two account owners allowed and a minor for each JumpStart Checking account. A TUTMA Savings account or minor Membership Savings account is required to be eligible for JumpStart Checking. See a representative for complete details and qualifications. Interested in a JumpStart Checking Account? Request to be contacted by a Shell FCU Representative. |
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| Boost Checking | $1.00 | $0.00 | N/A | N/A | No |
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This checking account is available for those who need to reestablish themselves. To open a Boost Checking, a $1.00 initial deposit is required.
Interested in a Boost Checking Account? Request to be contacted by a Shell FCU Representative. |
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Overdraft Protection
Overdraft Protection is a safety net available at no charge. In the event a purchase exceeds the current available balance in your checking account, funds will be pulled from your source account(s) and used to cover the purchase or check presented. The types of accounts used as source accounts include: Savings, Money Market or Line of Credit Loans.
For more information or to select your source account(s), please visit any Shell FCU branch or call (713) 844-1100 to speak with a representative.
Courtesy Pay
Once your account has been open for 180 days, you've deposited at least $300 every (30) days and you have maintained your account in "good standing", you may qualify for Courtesy Pay. Review the Courtesy Pay Policy or visit any Shell FCU branch for more information.
If you want Shell FCU to authorize and pay overdrafts on ATM and everyday debit card transactions, call (713) 844-1100 or visit any Shell Federal Credit Union branch.
Note: Shell FCU will not authorize and pay overdrafts for ATM and one-time debit card transactions without an opt-in authorization.