Do Over Checking Tips, Info & FAQs
A checking account for members who would not normally qualify
Everyone deserves a second chance. This is the perfect checking account for members who would not normally qualify. As long as you’ve paid off any unpaid balances reported by ChexSystems, you’ll get approved!
3 Keys to Cash Flow Budgeting
Traditional budgets can be quite the drain on your time. You have to separate out each part of your expenses, find a way to keep those parts separate, and then track them all individually. If you are tired of stuffing envelopes, then cash flow budgeting may be for you. It’s a simple way to budget based on how most businesses moderate their expenses.
1. Make your savings automatic
This is the primary key to cash flow budgeting. Each month, you set aside an amount to save as soon as you get paid. You can do this by setting up an automatic transfer from your checking account to your savings. Once that amount is set aside, it should be out of your checking account and not revisited again that month.
2. Pay your top priorities
Once you’ve set your savings aside, you pay your top priorities. This includes your rent bill, your utility bill, your health insurance premium, etc. These amounts are your fixed costs, and again, you should set up automatic payments for them, if possible.
If you have an upcoming trip or important event, set aside money for that too.
3. Spend your leftovers
Once you have covered your savings and top priorities, you are free to spend what’s left over. You don’t need to itemize costs for clothing, eating out, activities, etc. The limited funds you have left over act as your catch all budget. Just be aware that you’ll have less and less cash as the month goes by, and plan accordingly.
Are there limits on the number of checks I can write each month?
No, you enjoy unlimited check writing.
How do I order checks for my account?
To order your first set of checks, call (210) 561-4500 or visit any branch. For any recurring check orders, go to Main Street.
You’ll need the following information for online orders:
- Your account number
- Your routing number: 314088860
- Your control number
- The check number you would like your new book of checks to start with
Not sure what style of check you want? Take a look at Main Street’s catalog of check options.
What if I make an error on my account and a check bounces?
You can elect to have Overdraft Protection from your United Texas savings account cover you. You can have up to six free overdraft transfers from your savings account per month. After six, a nominal fee will be assessed for each additional transfer during the calendar month.
Do I have to keep a minimum balance in the account?
No, there is no minimum balance requirement for this account.
Is there a monthly fee?
Yes, for a nominal monthly fee of $10, this account is loaded with free features.
Next StepGo To Next Step
Do Over Checking Why United Texas
- Unlimited checks
- No minimum balance
- Free online banking
- Low $10 monthly fee
- Easy approval
We don't have reviews for this, yet.
Share your story about Do Over Checking at United Texas?
Next StepGo To Next Step
Do Over Checking How it Works
How it Works
Opening a Do Over Checking account with us is fast and simple.
Give us a call, contact us online, or come into any one of our branches.
Join United Texas Credit Union. To become a member, all you need to do is open a $5.00 minimum savings account.
Bring a valid photo ID to start your Do Over Checking account. You’ll also need to make an initial deposit of $25.00.