Here's How to Qualify Each Month:
- Direct deposit $1,000 or more per month
- Make 20 debit card purchases of $10 or more*
- Enroll in eStatements
No minimum balance required. No monthly fees. Qualifiers are only needed to earn the 4.00% APY.
Bank Happy. Here's Why.
Get paid early
Visa Debit Card
No Monthly Fees
Ready to Start Earning More?
Opening your Spend Smart Checking account takes about five minutes online. Already a CSCU member? You can add Spend Smart to your existing membership in just a few clicks. Proudly serving Texas since 1954.
Everything That Comes with Your Spend Smart Account:
Spend and Earn
Visa Debit Card
Contactless Payments
uChoose Rewards
Automated Round Up Savings
P2P Payments
Stay In Control
Spend Analysis
24/7 Alerts
In-App Card Management
Credit Score & Financial Wellness Tools
MFA Protection
Bank Anywhere
Mobile Banking App (iOS & Android)
Mobile Check Deposits
BillPay With E-Bills
eStatements
Frequently Asked Questions About Spend Smart Checking
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You need to: (1) receive $1,000 or more in direct deposits, (2) make 20 or more debit card purchases of at least $10 each, and (3) be enrolled in eStatements. When you meet all three qualifiers in a calendar month, you earn 4.00% APY* on eligible balances of $500–$10,000.
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No penalty, no fee. Your account simply earns the standard published rate that month. You’re automatically eligible to earn the 4.00% APY again the following month when you meet the qualifiers.
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No minimum balance and no monthly maintenance fee. You do need a balance of more than $500 to earn interest, but there is no requirement to maintain any minimum balance to keep the account open.
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You can open your account online in about five minutes at cscutx.com/spend-smart, or visit any of our branches in Huntsville and the surrounding area. You’ll need a valid ID and your Social Security number. If you’re already a CSCU member, you can add Spend Smart to your existing membership.
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CSCU serves people who live, work, worship, or attend school in Walker, San Jacinto, Trinity, Houston, Madison, and Grimes County, Texas, as well as immediate family members of current CSCU members. Visit our Membership page to learn more.
Start Earning More on Every Purchase
Open your Spend Smart Checking account today and put your everyday spending to work.
*APY = Annual Percentage Yield. The 4.00% APY applies to eligible balances of $500.00–$10,000.00. The corresponding interest rate is 3.93%. Dividends are calculated daily on end-of-day balances and paid monthly. Rates are variable and subject to change without notice. See our Truth in Savings Disclosure for complete terms.
** Monthly activity qualifiers activate the 4.00% APY on eligible balances. Meeting the qualifiers is not required to use the account — your account functions normally whether or not you qualify each month. There is no minimum balance requirement and no monthly fee. A balance greater than $500 is required to earn interest.
*** PIN and signature-based debit card transactions are combined to meet the 20-transaction qualifier. Each transaction must be at least $10 to count. All transactions must be fully posted to your account by the end of the calendar month. Pending transactions do not count toward the monthly qualifier.