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

Meet your Spend Account.

A free account with more benefits and no fees.

Open an Account
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.