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Now Get Three Free Credit Reports Every Week for a Year

 

The three major credit bureaus - TransUnion, Experian, and Equifax - are now offering free weekly credit reports to all Americans through April 20, 2021. You can request your free credit report from each credit reporting agency weekly at AnnualCreditReport.com.

Normally, each credit bureau only allows you to check your credit report for free once per year. Now, you can get up to three free credit reports per week to help protect your financial health during the coronavirus pandemic.

 

How to Request My Free Credit Report

The process to receive your credit reports is simple.

  1. Visit AnnualCreditReport.com
  2. Click on "Request your free credit reports"
  3. Fill out the form, including your name, Social Security number, and current address, to request up to three copies of your credit report
  4. Answer security questions to confirm your identity (you will need to do this for each credit report)
  5. Individually review each requested report

 

What Should I Look for on My Credit Report?

Look for errors and signs of potential fraud when reviewing your credit report. This includes:

  • Identity errors, including an incorrect name, address, or phone number
  • New accounts and/or inquires that you don't recognize
  • Reporting errors, such as payments made on time listed as a late or missed payment or an open account listed as closed
  • Incorrect balances or credit limits on accounts
  • Duplicate reporting of a legitimate credit account or debt

 

How Do I Dispute an Error on My Credit Report?

If you discover any errors on your credit report, dispute them as soon as possible by following these steps:

  • Step 1: File a dispute with each of the major credit bureaus.

    Inform all three major credit bureaus of the error. To file your dispute online, follow these links for each of the three major credit bureaus: TransUnion, Experian, and Equifax. You can also file your disputes by mail. If filing by mail, it’s best to send your letter via certified mail with a requested return receipt. When submitting a written dispute, clearly identify each disputed item in your report, explain why you are disputing these items, and ask that the errors be deleted or corrected. Include your full contact information, as well as copies of any documents that support your claim.

  • Step 2: Contact the creditor.

    After you’ve contacted each bureau, also reach out to the creditor linked to the error. This step isn’t necessary, but it may speed up the correction process. Most creditors will provide a link or an address for disputes. Follow the guidelines in step one and include all relevant information and documentation. Let the creditor know you’ve also contacted the credit bureaus, as they’ll want to include a copy of your dispute if they report their findings to the bureaus.

  • Step 3: Follow up.

    Expect to be contacted by the bureaus and the creditor within 30 days after filing your disputes. If all goes well, your dispute will be accepted and your credit will be restored. If one of the credit bureaus or a creditor does not resolve the error in your favor, you can ask them to include a copy of your dispute in your file and in all future credit reports for a small fee. You can also consider hiring a lawyer to help you contest the report. Always monitor your credit report and be vigilant about correcting errors. The payoff can affect your financial wellness for years to come.

Texans is not affiliated with and makes no endorsement, representation or warranty as to the services offered by AnnualCreditReport.com.

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
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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

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Visa Credit Card

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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

 

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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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