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Email Scams (Phishing) and Text Message/Phone Scams (Vishing)

Phishing (email scams) and vishing (text/phone scams) are attempts by criminals to obtain your personal or financial information. This personal information is then used to impersonate you or steal money from your accounts. In both cases, the scammer poses as a trusted organization, like Texans Credit Union, and asks you to update or verify your personal information either online or over the phone.

Remember: Texans Credit Union will never email, text or call you requesting your personal information!

Phishing

The most common of all scams, phishing uses fraudulent emails that look like they are coming from a trusted company or institution (i.e.: your credit union, bank or credit card company). These emails often look legitimate, complete with company names, logos, and a look and feel that you recognize. The emails are designed to get you to click through to a website where they will ask you to enter your personal information. To learn more, watch the video below.

Vishing

Becoming more common, vishing scams use the same basic techniques as phishing scams but are done through fraudulent text messages or automated phone calls instead of through email. Vishing scams typically direct you to call a phone number where you will be asked to provide your personal information.

Important! If you receive a communication or call from someone claiming to be Texans Credit Union asking for personal or account information, don't respond! Instead, give us a call at 972.348.2000 (800.843.5295) to verify the communication.

Recognize Scam Communications

Here are some common reasons scammers may use to get you to provide your personal information:

  • It's time to update your personal information in our system
  • We have upgraded our website and you need to re-enter your personal information
  • Your account has been compromised and you need to update your information
  • Validating or activating your credit or debit card
  • Resetting your PIN number

The communications and websites that scammers use to capture your personal information will often look exactly like those of the company you believe is sending the communication. There are, however, some red flags you can look for to identify scams:

  • Communications ask for personal information, which no reputable organization would ever ask you to provide through email, text or an incoming phone call
  • They typically have a sense of urgency - "You need to update you information now or lose access to your accounts"
  • Because they typically originate outside of the US, they often contain misspelled words, incorrect grammar or awkward sentence structure

Tips to protect your personal information

Never provide personal information requested in unsolicited phone calls, emails, text messages or pop-up websites. Texans or any reputable organization already has this information and will not contact you for it.

If you receive an email, text message or phone call claiming to be from any trusted institution, including Texans Credit Union, first call the organization yourself to verify that the communication is real.

Never click on the links in an unsolicited email. If you would like to visit the organization's website, type the web address directly into your web browser to ensure you are visiting the correct site.

Update your passwords and personal identification numbers (PINs) often; and do not use the same password for all online accounts.

Keep anti-virus and anti-spam filtering software on your computers and keep them up to date.

Review your account statements monthly and your credit reports several times a year. Visit annualcreditreport.com for details on how to receive your free credit report.

If you want to learn more about online fraud, watch the video below or visit the Federal Trade Commission website.

Digitally Enabled and Incredibly Accessible!

 
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  • 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!

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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

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.

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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

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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

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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.

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