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** Overdraft Tolerance
  eChecking $1.00 $0.01 Variable 2.20%*** Yes

As part of our GREEN initiatives, Shell FCU offers an eChecking Account.

  • Free MasterCard Debit Card
  • No Monthly Service Charge
  • Free Overdraft Protection Available
  • Free Temporary Checks
  • Free 24 Hour Bill Pay
  • Free Online Banking
  • Free Phone Banking
  • Free eStatements
  • No Minimum Balance Requirement
  • Free ATM Access on CU Friendly, Allpoint ATM Networks and ATMs located at Shell FCU branches

There are four easy qualifications each month.

  1. Have at least 20 debit card purchases post and settle
  2. Have at least 1 automatic payment (ACH) or direct deposit transaction post and settle
  3. Be enrolled and receive an eStatement
  4. Log in to Online Banking or Mobile Banking at least once

***Each month you meet the qualifications, your ATM fees are reimbursed and you EARN 2.20% APY on balances between one penny and $20,000. On balances over $20,000, you receive 0.10% APY. Available to personal accounts only. No monthly service charge.

What happens if the qualifications are not satisfied during a cycle?

  • You will earn 0.05% APY on your free checking balance
  • ATM fees are not reimbursed
  • No minimum balance required

See a representative for complete details and qualifications.

Beginning in March 2016, the qualification cycle will align with the beginning and end of each month.

Interested in an eChecking Account?

Request to be contacted by a Shell FCU Representative.

  Checking $1.00 $2,000.00 Variable 0.10% Yes

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.

  • Free MasterCard Debit Card
  • No Monthly Service Charge
  • Free Overdraft Protection Available
  • Free Temporary Checks
  • Free 24 Hour Bill Pay
  • Free Online Banking
  • Free Phone Banking
  • Free eStatements
  • No Minimum Balance Requirement
  • Dividends Earned on Balances Over $2,000
  • Free ATM Access on CU Friendly, Allpoint ATM Networks and ATMs located at Shell FCU branches
  • Available to those over 16 years of age without a joint owner

See a representative for complete details and qualifications.


Interested in a Checking Account?

Request to be contacted by a Shell FCU Representative.

  Boost Checking $1.00 $0.00 N/A N/A No

This checking account is available for those who need to reestablish themselves. To open a Boost Checking a $1.00 initial deposit is required.

  • Free MasterCard Debit Card
  • $10 Monthly Service Charge
  • Free Overdraft Protection
  • Free 24 Hour Bill Pay
  • No Minimum Balance Requirement
  • Free ATM Access on CU Friendly, Allpoint ATM Networks and ATMs located at Shell FCU branches

Interested in a Boost Checking Account?

Request to be contacted by a Shell FCU Representative.

Rates current as of  .

*Minimum balance required to receive disclosed APY. **APY denotes Annual Percentage Yield.

Truth-in-Savings Disclosure


Overdraft Protection

Overdraft Protection is a safety net available at no charge. In the event a check or debit card 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.


Overdraft Tolerance

Once your account has been open for 60 days, you've deposited at least $300 every (30) days and you have maintained your account in "good standing", you may qualify for Overdraft Tolerance. Review the Overdraft Tolerance Disclosure 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 complete and sign the Opt-In form and return to any Shell Federal Credit Union branch or by mail to P.O. Box 578, Deer Park, TX.

Note: Shell FCU will not authorize and pay overdrafts for ATM and one-time debit card transactions without an opt-in authorization and prior to a confirmation notice being sent.