Skip to main content

Instant Transfers

Move Money Any Time with Texans Instant Transfers

Instant Transfer with Texans Credit Union gives you the freedom to send and receive money in just seconds at any time right from Digital Banking. Move your money instantly whenever you want, even on weekends, holidays, and outside of business hours. It's a simple and convenient service designed to make your financial transactions quicker and easier.

Instant Availability 24/7

No more waiting days for transfers to hit your account. Your funds become available instantly, any time.

Send & Receive Payments

Transfer funds, move money between accounts, send and receive funds from your other financial institutions, and more - all in seconds!

Safe & Secure

Instant transfers are encrypted to ensure confidentiality, making them even safer and more secure than other instant payment options.

Making an Instant Transfer

Sending an Instant Transfer is easy with Texans Digital Banking. It's integrated right into your existing account - no enrollment needed.

Simply log in to your Digital Banking account online or through the Texans mobile app1 and visit Transfers. Choose the account you wish to transfer funds to as usual. If the receiving bank or credit union accepts instant transfers, an option will appear to choose Instant Transfer. Complete your transfer and your funds will be sent instantly!

Do More, Faster with Instant Transfer

Send Money in Seconds

Move money between accounts or send funds to your other banks or credit unions in seconds. It has never been easier to share expenses, send urgently needed funds, and manage your money.

Get Paid Sooner

Whether you’re a gig worker or just need instant access to your pay, with Instant Transfers you don’t have to wait. Take advantage of having immediate wage access from a participating employer.

Quickly Fund Your Accounts

Quickly and securely fund your accounts. Whether you need to add to your checking account, transfer money, or ensure funds are available for immediate use, Instant Transfers makes it seamless.


Instant Transfer FAQs

There is a $1 fee to send an Instant Transfer. There is no fee to receive an Instant Transfer.

To send an Instant Transfer to an account at another financial institution, simply add the account as an external account in Digital Banking.

After logging in, go to Transfers, select Add Account, then select Add External Account. Add your external account instantly by securely signing in to your other bank or credit union. You can also manually add the external account by entering the account number and routing number. This method may take up to 3 business days to verify.

No. Once an Instant Transfer has been made, it cannot be reversed or canceled. Carefully review your selections before completing your transfer, as the transaction will be final.

Setting up alerts for Instant Transfers is simple in Digital Banking. After logging in, go to Tools, then click Alerts from the menu.

Select Transfers from the Alerts menu, then toggle on alerts for External Transfer Submitted and Transfer Completed. We also recommend turning on alerts for External Transfer Account Added and External Transfer Canceled.

If you believe that you've been a victim of fraud or a scam, please contact us immediately at 972.348.2000. We will quickly ensure that your account is secure and your fraudulent Instant Transfer may be eligible for reimbursement. As always, your safety and security is our top priority and we are here to help.

Instant Transfers allows you to send or receive payment between an account with Texans and an account at another financial institution participating in the faster payments network. In most cases, the Instant Transfer will occur in seconds; however, there are circumstances when the payment may take longer. Instant Transfers are irrevocable and cannot be reversed.

1 Texans does not charge a fee for mobile banking, text message banking or any of our smart phone apps. Mobile carriers may assess standard text messaging and/or cell phone data usage charges. Please check with your service provider for more information.

This website uses cookies in order to offer you the most relevant information. Please "Accept & Continue" for optimal site performance. For more information, please visit our Privacy Policy page.