Overdraft Protection

Overdraft Protection is an optional service that members can choose to set up as a safeguard in the event that a check or check card transaction is made that exceeds the balance of their checking account. When you add Overdraft Protection to your Texans checking account, should an overdraft occur, funds are advanced and deposited automatically into your checking account from a savings account or line of credit that you have so designated.

Overdraft Protection can be set up from two of the following accounts:

The fee for Overdraft Protection is $5.00 per transfer. Please review our Fee Schedule for more details.

For more information on Texans’ Overdraft Protection, contact us at 972.348.2000 (800.843.5295) or visit your nearest Texans branch.


1. Federal regulations establish the maximum number of remote withdrawal transactions that can be made each calendar month on Money Market and Share Accounts. Members may not make more than six transfers and/or withdrawal transactions on their Share Account or Money Market Account using the 24 Hour Account Information Line, online banking, telephone or written instruction. Transactions made in person, by mail or at a Texans ATM do not apply.
2. Texans Line of Credit subject to credit approval. Requires a separate application.

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Texans CU Routing # 311987786
24-Hour Account Access Line: 972.348.2001 (800.843.6426)

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