Online banking

Login

Laid Off Due to the Coronavirus Pandemic?

 

Many businesses have laid off their workforce in massive numbers or closed down completely due to the worldwide coronavirus pandemic, leaving millions of Americans suddenly jobless. Losing your job is stressful under normal circumstances, but alongside a global pandemic and predicted recession, things can seem especially bleak. Meanwhile, you still need to put food on the table, a roof over your head and manage other financial obligations.

While it may feel like everything is out of your control, there are steps you can take to manage your finances and programs in place to help you keep your head above water.

 

Step 1: Apply for unemployment benefits

In most cases, you can file online, but you should contact your state's unemployement office if you need help applying for benefits. Many workers who don’t qualify for unemployment under normal circumstances now qualify thanks to the CARES Act.

Many state unemployment agencies are still awaiting guidance from the Department of Labor on how to implement the CARES Act, so they may not be equipped to process new types of claims right away. Continue to check your state’s website, Facebook and Twitter accounts for updates and guidance as it is available.

The CARES Act also increases weekly unemployment benefits by an additional $600 per week. You can receive this amount even if you’ve exhausted your state benefits. If you’ve already filed a claim and were approved, you don’t need to do anything to receive the additional benefits.

Be warned: State unemployment offices are overwhelmed by the dramatic rise in claims. It may take several attempts to file your claim via phone or online, and benefits could be delayed as state agencies try to keep up with demand and adjust to new federal guidance from the CARES Act.

How do COVID-19 unemployment benefits work?

 

Step 2: Contact your banks and lenders

Be proactive, contact your lenders, and ask for the help. Many financial institutions are offering relief for those who were laid off or can’t work due to the coronavirus pandemic.

Texans Credit Union is offering a range of options to help our members who have been impacted by COVID-19. Reach out to our Member Connect Representatives at 972.348.2000 if you need help.

The CARES Act also suspends payments on most federal student loans until Sept. 30. Borrowers will not be charged interest during this time and do not need to do anything to suspend or restart their payments. If you have a private student loan, contact your lender to ask about emergency relief.

Suspending payments can help free up cash for the things you can’t delay, like food and possibly rent.

 

Step 3: Triage your finances

Cut out any nonessential spending for the time being. That may mean canceling or suspending gym memberships and subscription services. Remember that these cuts are temporary. The goal here is to free up as much room in your budget as possible for the things that can’t be paused.

 

Step 4: Tap into community resources

Communities are coming together to help those hardest hit by the pandemic. Schools may be closed, but some districts are providing free breakfast and lunches for students. Check your local district to see if there is a meal-pickup program. Other community groups and industry associations are helping those in the service, entertainment and hospitality sectors, which have been hit particularly hard by mandatory closures. Community kitchens and food pantries in most areas are also stocked and ready to help. Reach out to your local organizations to see what assistance is available to you.

 

Step 6: Make a plan for stimulus funds

The CARES Act stimulus package includes a one-time payment of $1,200 to many Americans, though the exact amount a person receives will be based on income. Those payments will likely take a few weeks to arrive. The stimulus package also includes relief for small businesses forced to shutter due to the coronavirus.

How much can I expect from my stimulus check?

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
image
 

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!

learn more

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

 

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!

Compare Accounts Open an Account

* 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

eStatements

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

Templated Block 14 - Rates Strip - Deposit Accounts - Content Missing

Templated Block 15 - Checking - Content Missing

Templated Block 16 - Auto Loans - Content Missing

Templated Block 17 - Membership - Content Missing

Templated Block 18 - Digital & Accessible 3 - Content Missing

Templated Block 19 - High Yield Savings - Content Missing

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

 

Templated Block 21 - Credit Life and Disability - Content Missing

Templated Block 22

Templated Block 23

Templated Block 24

Templated Block 25

Templated Block 26

Templated Block 27

Templated Block 28

Templated Block 29

Templated Block 30