Texas Tech Credit Union's Cactus Debit Card completing tap to pay
Your money, your way.

Meet your Spend Account.

A free account with more benefits and no fees.

spend account

Start spending with a simplified, benefit-driven account.

TTCU Credit Scorecard App Feature

Credit Scorecard*

Monitor your credit on the go! With real-time credit monitoring, stay on top of your credit score and credit report changes.

Get Paid up to 2 Days Early**

No more waiting for payday. Get your paycheck up to two days early when you have direct deposit setup within your Spend Account. As soon as the money is available, it’s yours!

30,000+ Fee-Free ATMs

Enjoy free access to your money wherever you are! With your Texas Tech Credit Union Spend Account, you have access to 30,000 Fee-Free ATMs. Text your Zip Code to 91989 to find nearby ATMs or find the closest branch to you here.
get started

Managing your money shouldn’t be a hassle.

Start taking advantage of the benefits from a Spend Account today. Open an account in just a few minutes.

*Spend Account Details

* The credit score provided is intended to help you understand the factors that affect your credit score and ways you may be able to save money with Texas Tech Credit Union loan products. It is not used for loan approval purposes or for determining loan rates. Loan rates and approvals are based on information provided to Texas Tech Credit Union when you apply for a loan. The credit score found in the credit report may be different than what is shown in your Credit Scorecard.

** Direct deposit required. Receiving direct deposit funds up to two days early is dependent on when payment details are provided by the payer. If your deposit does not arrive early, it will arrive on your scheduled payday.