Online banking


Meet the Executive Team


David Frazier

President & Chief Executive Officer (CEO)

David Frazier joined Texans Credit Union as President and Chief Executive Officer in February of 2020. Mr. Frazier earned a Bachelor of Science in Business Administration in 1991 from Texas A&M University and his accounting background from The University of Houston in Clear Lake, Texas. Before entering the credit union industry, he gained experience as the Controller and CFO for Houston area hospitals as well as in retail management. His current and past credit union activities include 2004 Southwest CUNA Management School Award of Excellence, President for CU Managers of Southeast Texas, Secretary for Houston Chapter of Credit Unions, Chairman of Texas Business Lenders Group LLP, Director of Town North Bank, Director of CU Coalition of Texas, and SCMS Alumni Association.



Mike McWethy

Chief Experience Officer (CXO)

Mike McWethy is the Chief Experience Officer of Texans Credit Union. A native of the DFW area, he joined the credit union in 2020 and oversees the Lending, Marketing, IT, and Retail Operations areas. McWethy’s previous work experience includes leadership roles throughout the financial services industry, including other credit unions, a banking software company, and a large corporate bank. He graduated from Southwest CUNA Management School in Fort Worth, TX and holds a bachelor’s degree in Business Management. Mike has a passion for digital services, personal service, and organizational development. With the help of his leadership, Texans CU continues to expand its reach online and in the community.



Ben Hart

Chief Financial Officer (CFO)

Benjamin (Ben) Hart is the Chief Financial Officer of Texans Credit Union. He has served in that capacity since July 2020.  Ben is a native Texan and has lived most of his life in places such as Post, Lubbock, Abilene, Austin, and McKinney, Texas. He earned a B.A. degree in Finance from Texas Tech University in 2000. He later earned his MBA degree from Texas Tech in 2018, while serving as a credit union CFO. In addition, his career includes time with the National Credit Union Administration (NCUA), where he served as Deputy Director of Supervision for Region IV, and was a graduate of the NCUA Management Development Program. Ben has over 20 years of credit union experience and is passionate about the credit union movement.



Jenni Short

Chief People Officer (CPO)

Jenni Short assumed the role of Chief People Officer in 2020 after serving as the Director of Human Resources for two years. Joining Texans Credit Union in 2018, she has been responsible for a positive cultural shift within the organization overseeing the Human Resources and Training and Development departments. Prior to Texans, Jenni spent 13 years with Target, Corp. and has nearly 20 years of Human Resources experience. Jenni graduated from the University of Wisconsin – Whitewater with a Bachelors of Business Administration in Human Resources. She is a Senior Certified Professional in the Society for Human Resources Management (SHRM-SCP).



Matt Moore

Senior Vice President - Retail

Matthew (Matt) Moore is the Senior Vice President – Retail of Texans Credit Union. He is a native of Longview, Texas, and earned his Bachelor of Business Administration degree from Colorado Mesa University. His career in the financial industry spans over 16 years and he has been with Texans Credit Union since May of 2007. He began his career at Texans Credit Union as a Branch Manager and has served in multiple departments, including leadership positions in Mortgage Lending, Consumer Lending, the Call Center, and Retail Branches.



Tracy Montez

Senior Vice President - Controller

Tracy Montez is the Senior Vice President – Controller of Texans Credit Union after having served as the institution’s Controller for five years. In her 23-year tenure with the credit union, Tracy has served in various roles in the Audit, Records, and Accounting departments. She provides an extensive knowledge of finance and financial institutions, and has been an essential component of safeguarding the institution’s assets. Tracy received her Bachelors of Business Administration in Accounting from Texas State University where she graduated Magna Cum Laude, and is a Certified Public Accountant (CPA).

Digitally Enabled and Incredibly Accessible!

  • Online Banking/Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Apple Pay
  • 70,000 Surcharge-Free ATMs - Worldwide
  • Enhanced ATM/Debit Card

All Texans Checking Accounts Are Digitally Enabled and Incredibly Accessible

Texans are smart and our checking accounts should be too. That's why all of our accounts are digitally focused and offer 24/7 access. Use the chart below to select the account that's right for you.

Purchase Rewards

Earn Cash Back Rewards, just for Using Your Texans Debit Card

Purchase Rewards allows you to earn cash back on items you already purchase from stores where you already shop! Here's how it works.

  1. Receive personalized offers directly in online or mobile banking
  2. Accept an offer and earn rewards for any qualifying purchases
  3. Get cash back directly deposited into your checking account the following month

Start earning cash back today!

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Money Management

Manage All of Your Personal Finances, Right Inside Online Banking

This personal financial management tool brings together all of your accounts from virtually every company you do business with, in one place to give you a total picture of your finances. Use it to:

  1. Create a budget that is easy to stick to
  2. Observe your spending behaviors and trends
  3. Gain valuable insight into where your money is going

With the ability to connect to over 20,000 institutions, you can connect and review all of your accounts in one place!

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Financial Education Center

Important Articles About our Products & Services

Financial Education Center

70,000 Surcharge-Free ATMs

Access the World's Largest ATM Network with the Allpoint and CO-OP networks

Mobile Banking App

It's Like Having a Full-Service Branch on Your Phone or Tablet!

Manage your accounts, move money around, pay bills, and more:

  • Access accounts and view transactions
  • Fingerprint login capabilities for iOS and Android users
  • Mobile check deposit
  • Find your closest branch or surcharge-free ATM
  • View balances without logging in via Quick Balance


Mobile Deposit

All you need is your mobile phone and the Texans app to deposit checks anytime, anywhere. It's easy, convenient, and secure.

  1. Snap a picture of both sides of your signed check
  2. Choose the account for deposit
  3. Voila! Your check is deposited.

EMV Chip Technology

Protect Your Card Transactions from Fraud

All Texans debit and credit cards are now equipped with a fraud-fighting microchip that encrypts information when making transactions at a chip-enabled terminal.

  • Insert your card in the chip reader instead of swiping
  • You can still swipe your card when necessary
  • You can still use your card online or over the phone

Plus, chip cards are more widely accepted worldwide so your card is easier to use outside of the U.S.

Mastercard Debit Card

Open an Account

Visa Credit Card

Apply Now

VISA® Cards

Great Rate or Cash Back

Regardless of which card you choose, there are no annual fees with a Texans VISA card. Plus, you can transfer balances from your other high-rate cards without paying a balance transfer fee and take cash advances with no additional fees.

But that's not all. Your Texans VISA comes with online access where you can utilize our personal financial management tool, Money Management, to create a budget and gain valuable insight into where your money is going.

1 Rates subject to change and are based on personal credit history. For more information, visit our Rate Advantage VISA Card page.

2 For full cash back details and terms and conditions visit our Cash Rewards VISA Card page.

Mastercard® Debit Card

Cash With No Fees at 70,000 ATMs

Use your Texans Mastercard Debit Card at more than 70,000 surcharge-free ATMs worldwide through the Allpoint and CO-OP ATM networks, and anywhere Mastercard is accepted. Plus, your Texans Mastercard Debit Card will:

  • Double your manufacturer's warranty on purchases up to 12 Months*
  • Provide a 60-day satisfaction guarantee on purchases for full refund of the purchase price*
  • Include Mastercard Global Service for emergency, one-day, temporary card replacement in the US*

Get a Texans Debit Card with your checking account today!

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* For full details and terms and conditions visit our Mastercard Debit benefits guide.

Courtesy Pay or Overdraft Protection

Protect your debit card transactions, ATM withdrawals, automatic payments and checks or EFTs from a declined transaction.

Overdraft Protection

Your first line of defense uses your accounts to cover overdrafts.

  • $5 fee for each transaction
  • Uses designated savings account or line-of-credit to pay overdrafts

Learn more about Overdraft Protection here

Call Us

972.348.2000 (800.843.5295)

Courtesy Pay

A one-time opt-in can provide an emergency backup against overdraft.

  • $35 fee for each transaction
  • May cover transactions that exceed your available balance, up to $750 (including fees)

Learn more about Courtesy Pay here

Opt In


Make the Switch to Mobile and Online Statements

Making the switch to eStatements is secure and easy. Here's how it works.

  • View and print statements right from your online or mobile banking
  • Up to 36 months of statements available for you anytime
  • Reduce waste while increasing your account security
Enroll in eStatements

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Guaranteed Asset Protection (GAP)

Texans GAP coverage could save you thousands. If your vehicle is totaled or stolen, your insurance may not pay to cover its full value. That’s where we come in. Our GAP coverage offers low-cost protection if you have a high-cost loss by covering additional funds needed to pay off the vehicle loan. And it’s available on most new and used auto, motorcycle and RV loans1.


Major Mechanical Protection

Car repairs today can set you back thousands of dollars. Fortunately, Texans offers its members Major Mechanical Protection (MMP) coverage. This protects you from the unexpected expense of vehicle repairs. There’s absolutely no deductible for repairs and you don’t have to wait for reimbursement — all repair costs are covered up front. Available on most new and used auto loans2.

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