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Online Privacy Policy


Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you interact with Texans Credit Union (“our”, “us”, “we”) online services. This includes, online banking, mobile banking and SMS text notices (“Online Services”). 
As you review this Online Privacy Policy, here are a few general principles to keep in mind:

  • Our Online Services are intended for a U.S. audience. If you visit or use our Online Services, your information may be transferred or processed in the United States.
  • Our Online Services are not intended for children. Our Online Services are meant for adults and are not directed to children. We do not knowingly collect personal information from children under 13 without consent from a parent or guardian. If you are a parent or legal guardian and think your child under 13 has given us information, you can call us at 800.843.5295 or 972.348.2000. You can also write to us at Texans Credit Union, ATTN: Member Services, P.O. Box 853912, Richardson, TX 75085-3912, or email us at [email protected]. Please mark all inquiries “COPPA Information Request.”
  • If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our Privacy Policy  – Information Sharing and Marketing.


About the Information We Collect

Our Online Services collect information that identifies you, as well as online data about you.

Our Online Services collect personal information. We may collect your name, member number, account number, email address, limited location information (for example, a zip code to help you find a nearby ATM), username and password, or other personal information when you use our Online Services. Our Online Services may ask for third-party bank account information to complete a funds transfer. Our mobile app may also ask for images of checks you wish to deposit. After you log in to our Online Services, we associate subsequent activity during that session to you. 

Our Online Services collect online data. We may collect information about the browser, IP address, device type (including device ID), domain name from which you access the Internet, the date and time you access our Online Services and operating system you're using. We might look at what site you came from and what you view within our Online Services. 

If you identify yourself by inputting personal information at our Online Services, we will use that information only to respond to your inquiry or request. 

How We Use Information We Collect

We use the information to respond to your requests or questions. For example, we might use your information to process an application or complete a transaction that you requested. We may also use your information to send you an alert you signed up for.

We use information to improve our products and services. We use information to make our Online Services better and to customize your experience with us. We may combine information we get from you with information about you we get from third parties. We may use technology that allows us to recreate a member’s browser session to resolve member concerns or improve our Online Services.

We use information for security purposes. We may use information to protect Texans Credit Union, our members, and our Online Services from fraud, unauthorized transactions, claims and liabilities, and to manage risk. 

We use information for marketing purposes. We may use information we know about you from our Online Services to send you information about new products and special offers. These may come from us, our Business Partners (companies we partner with to jointly market and/or deliver products and services to you), or our Service Providers (third parties with whom we have a contractual relationship to perform services on our behalf). We might tell you about new features or updates we think you will like. We may also use push notifications. 

We may use information that allows us (or our Service Providers on our behalf) to send your computer or device targeted messages and offers via our Online Services. We may use passive technologies such as cookies and pixel tags to uniquely identify your computer or device and the pages you view within our Online Services from time to time as well as to provide information to us and third parties about sites you visit after seeing our ads or offers. Our Service Providers may also use these tools. 

We use information to communicate with you about your account or our relationship. We may contact you about your account or feedback. We might also contact you about this Online Privacy Statement or our Membership Account Agreement.

We use information as otherwise permitted by law. We may use information in order to comply with the law. We may keep personal information as long as it is necessary or relevant for the practices described in this Online Privacy Statement or as otherwise required by law.


Managing Your Online Privacy Choices

You can update your account contact information online, by phone or mail. If you have access to Online Banking, you have the ability to view and update certain contact information. You can also call our e-Branch or one of our branch locations to make changes to your contact information or marketing preferences as allowable by federal law. To stop receiving our promotional emails or SMS text messages, you can follow the instructions in promotional messages you receive from us. Even if you opt out of getting marketing messages via email and/or SMS text message, we may still send you transactional messages, including responses to your questions or information about your account. You may also contact us by calling 800.843.5295 or 972.348.2000 or write to us at the address below.

Texans Credit Union
P.O. Box 753912
Richardson, Texas 75085-3912

You can control preferences on your mobile devices. For example, you can turn off GPS locator services within your mobile device settings or mobile app, decline to consent to location tracking when prompted by the mobile app, or reject receiving push notifications on your device. If your operating system allows, you may choose to limit the mobile app's access to other information on your phone, including but not limited to the camera, contacts, or calendar. This may result in the loss of some mobile app functionality. 



We use standard security measures on our Online Services. To protect your personal information from unauthorized access, we use security measures that comply with federal law, including computer safeguards and controls. However, the Internet is not 100% secure. We cannot promise that your use of our Online Services will be completely safe. We encourage you to use caution when using the Internet; for example, do not use our Online Services on jailbroken or rooted devices (mobile devices that have been altered to remove the operating system’s or carrier’s controls and limits) and do not share your passwords.

In addition, our Online Services use a cryptographic (digital certificate) key to secure account information sent between our server and your browser. This communication key allows us to encrypt data sent through the Internet.

We store information in the United States (U.S.). If you live outside of the United States, you understand and agree that we may transfer your information to the U.S. Our Online Services and associated practices are subject to applicable U.S. laws.

Our Online Services may link to third-party services or apps that we do not control. 
If you click on a link to a third-party site, you will be taken to websites or apps we do not control. This includes social media sites. This Online Privacy Statement does not apply to the privacy practices of those websites. Carefully read the privacy policy of other websites. We are not responsible for these third-party practices.


What We Share

We may share the information we collect about you as described below. 

We will share this information with our Service Providers. For example, we share information such as your phone number or email address with Service Providers who send SMS text messages or emails on our behalf. We may also share information with companies that operate or analyze our Online Services. We may share information with companies who perform advertising services on our behalf. 

We will share this information with our Business Partners. We may share information with our Business Partners to fulfill offers you request or to use your rewards toward a purchase. If you click on a social media widget within our Online Services (for example, if you "like" us from our website), we will share that information to the social media site. 

We will share this information if we have to in order to comply with the law or to protect ourselves. We may share information to respond to a court order or subpoena. We may share it if a government agency or investigatory body requests. We may share information when we are investigating potential fraud.

We may share this information with any successor to all or part of our business. If part of our business is sold, we may provide our member list as part of that transaction.

We may share this information for other reasons we may describe to you. Please see the Privacy Policy – Information Sharing and Marketing.


Disclosure of Personal or Sensitive User Data

We will never publicly disclose any personal or sensitive user data related to financial or payment activities or any government identification numbers.


Internet Cookies

To provide better Online Services, we may use "cookies" as part of our interaction with your Internet browser.  Cookies are small pieces of text that are placed in your browser by the websites you visit and the advertising companies and content partners for those sites. No personal information is stored in cookies. Recording a cookie at such points makes your online experience easier and more personalized. We may also use cookies to identify what sections of our site our members visit most so we can continue to provide information on the products and services in which our members have demonstrated an interest. We do not combine information collected through cookies with other personal information to determine who you are or your email address. 

You can control cookies and tracking tools on our website. Our Online Services do not respond to browser-level "do not track" settings because this setting is not universal across browsers. However, your browser may give you the ability to control cookies. How you do so depends on the type of cookie. Certain browsers can be set to clear past and reject future cookies. If you block cookies on your browser, certain features of our Online Services may not work. Additionally, if you block or delete cookies, not all of the tracking activities we have described here will stop. Choices you make are both browser- and device-specific. 


Updates and Changes to Online Privacy Policy

We may change this Online Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise. 


More Information

We value our members and their privacy. We want you to understand how we use the information you provide and our commitment to ensuring your personal privacy. If you have any questions about how we protect or use your confidential information, please contact us at address listed above.

Effective April 1, 2016

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!

learn more

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

Plus, when you sign up for online banking, you are eligible for Purchase Rewards, which gives you personalized cash-back offers and deposits the cash-back directly into your checking account each month.

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*
  • Price protect purchases up to $250*
  • 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.

Learn More


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