Set Up Overdraft Protection:
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800.843.5295Compare Overdraft Protection Options
Overdraft Protection and Courtesy Pay can be used together or separately to protect your checking account against overdrafts. Compare the differences below.
Overdraft Protection |
Courtesy Pay |
|
Overview |
Everyday protection |
Emergency Protection |
How does it protect you? |
Funds transferred1 from |
Funds3 advanced by the |
Overdraft Limit |
Only limited by the |
Up to $750 per account (including fees) at the |
Covered Items |
Checks you write, automatic payments |
Checks you write and automatic payments
deducted from your account (ie: bill and recurring debit card payments) If you opt in the following items can be covered:
Everyday (one-time and non-recurring) debit card transactions and ATM transactions |
Enrollment Requirements |
Savings, money |
None4 |
Signup Required |
Yes Call us today to get started 800.843.5295 |
Yes For ATM and everyday debit card For check and automatic payments, enrollment |
|
Fees |
$5 | $35 |
For Overdraft Protection, a joint owner on a checking account, who is not a joint owner on a linked share (savings) account or money market, and/or not a co-borrower on a linked Texans line-of-credit, will have access to those linked accounts if overdraft protection is active on the checking account they are listed as a joint owner on. A maximum of two accounts may be linked to one checking account through overdraft protection. Additional checking accounts are not available as a funding source for overdraft protection.
1 Federal savings withdrawal limits allow a maximum of six remote transactions per month from a money market or share account, excluding transactions made in person or at an ATM.
2 Credit approval is required for a Texans Line of Credit.
3 If a member takes any action which results in their account becoming overdrawn, Texans may, at their discretion, pay the item(s) which exceeds the available balance, as defined in the Consumer Membership Account Agreement. The maximum amount paid over the available balance on a single account is $750, including fees. If at any time, this limit has been reached, items that exceed the limit will be returned unpaid and the member will incur a charge for insufficient funds (NSF fee). Accounts are subject to closure if a negative balance remains after 10 business days.
4 Any Texans Checking account becomes 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. Courtesy Pay for ATM or everyday debit card transactions must be requested through the opt-in page on our website.
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.
- 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
Financial Education Center
Important Articles About our Products & Services
- Courtesy Pay: How to Protect Your Checking Account
- Texans Teen Checking: Start your Teen off Right
- Debit Card Tips Everyone Should Know
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.
- 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*
- 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
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)
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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