Courtesy Pay
Extra Protection Against Overdrafts
Opt in once for Courtesy Pay and Texans may cover emergency overdraft transactions up to $750 (including fees). A few things to note about Courtesy Pay:
- Accounts must be open for at least 30 days to qualify
- To cover ATM and everyday (one-time and non-recurring) debit card transactions (i.e. at a merchant store, online, or by telephone), you must complete a one-time opt-in
- A $35 fee is assessed for each covered transaction
A Texans Checking account may become eligible for Courtesy Pay after it has been open and in good standing for a minimum of 30 days. Most accounts are automatically enrolled in Courtesy Pay for checks and automatic bill pays (included recurring debit card payments). Courtesy Pay for ATM or everyday (one-time and non-recurring) debit card transactions must be requested (for example, through the online opt-in form). There is no fee to have Courtesy Pay added to your account. Each time Courtesy Pay is used, a fee of $35 per transaction is assessed.
What Items are Covered by Courtesy Pay:
- Check & ACH transactions
Courtesy Pay for checks, ACH, and automatic payments deducted from your account (includes recurring debit card payment transactions) is available for all Texans Checking accounts. Eligible members are automatically enrolled for this Courtesy Pay coverage when they sign up for an account. - ATM & everyday debit card transactions
Courtesy Pay for ATM & everyday (one-time and non-recurring) debit card transactions is available for all Texans Checking accounts. You are required to opt in to receive this coverage –you may do so online or by completing a paper form and mailing, faxing or bringing it into a branch. You can also update your preferences using the online or paper form.
Courtesy Pay may cover items that exceed the Available Balance of your account up to $750 (including fees).
Plan Ahead and Save Money
Courtesy Pay is designed to be an emergency back-up plan. To better protect your checking account transactions and save fees, enable Overdraft Protection by linking other Texans accounts to your checking account.
Compare Overdraft Protection to Courtesy Pay
Whether or not a transaction is covered by Courtesy Pay is discretionary. Texans Credit Union reserves the right not to pay. There are a variety of factors that are taken into account, including whether:
- Your account is in good standing
- You are making regular deposits
- You have not had excessive overdrafts or overdrawn accounts
- Your account has been open for at least 30 days
Accounts are subject to closure if a negative balance remains after 10 business days.
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Important Articles About our Products & Services
- Traveling with Your Texans Debit Card
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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
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.
- Receive personalized offers directly in online or mobile banking
- Accept an offer and earn rewards for any qualifying purchases
- Get cash back directly deposited into your checking account the following month
Start earning cash back today!
learn moreMoney 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:
- Create a budget that is easy to stick to
- Observe your spending behaviors and trends
- 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
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- Courtesy Pay: How to Protect Your Checking Account
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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.
- Snap a picture of both sides of your signed check
- Choose the account for deposit
- 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.
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!
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
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)
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
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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