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Protect Your Checking Account with Courtesy Pay

Why Your Checking Account Needs to be Protected

Have you ever experienced the embarrassment of having a check returned or a recurring debit card transaction declined? If you haven’t, what’s the chance it could? While we enjoy the conveniences of automatic bill payment, direct deposit and electronic transfers, keeping your account balanced can sometimes be challenging. All it takes is one minor mistake –a deposit not coming through in time or a payment clearing quicker than you planned – and you could be faced with a Non-Sufficient Funds (NSF) fee, plus merchant fees and possible damage to your credit history. But there’s a way we can help you prevent this – Courtesy Pay.

What is Courtesy Pay?

Courtesy Pay is standard with all Texans checking accounts and helps you avoid the cost and embarrassment of returned checks or declined recurring debit card transactions. Eligible members are automatically enrolled in Courtesy Pay coverage for checks and recurring ACH transactions (such as automatic bill payments) when they open an account. We pay your transaction on the spot, with no forms to sign or buttons to push. Your transactions – and your life – go uninterrupted.

Adding Courtesy Pay for One-Time ACH and Everyday ATM and Debit Card Transactions

There is no cost to add this protection to your account for everyday ATM and debit card transactions, too! You are only charged when you access Courtesy Pay, and then, it's only $35 per transactions1, which is minimal compared to the embarrassment or inconvenience of a declined debit card.

Courtesy Pay is designed to protect you - and can prove vital in the case of urgent or stressful circumstances. If you want your everyday ATM and debit card transactions covered, simply opt in online or tell us at the time of account opening! 

And if at any time you want to opt out of Courtesy Pay, you can do that, too.

Tips to Keep Your Checking Account in Line

Courtesy Pay is great peace-of-mind protection for rare occurrences, but you can avoid situations that overdraw your account.

  • Balance your account at least weekly using online or mobile banking
  • Set up direct deposit so funds are being deposited on a regular basis
  • Keep an account "cushion" so you never run too low
  • Review monthly statements
  • Set up account alerts so you know if your account falls below a certain threshold

For more information about Courtesy Pay, give us a call at 972.348.2000 (800.843.5295) or visit your local branch.

1 If a Texans Debit Card transaction occurs, an ACH transaction occurs, you write a check, you perform a transaction by any other electronic means, or you take other action that results in your Account becoming overdrawn, Texans may pay the item which exceeds the Available Balance, as defined in the Consumer Membership Account Agreement, in your account up to $750, including fees. If at any time the limit has been reached, items that exceed the limit will be returned unpaid and you will incur a charge for a returned item due to insufficient funds (NSF fee). Accounts are subject to closure if a negative balance remains after 10 business days. Whether or not the overdraft will be paid is discretionary and Texans reserves the right not to pay. For example, Texans typically does not pay overdrafts if your account is not in good standing, you are not making regular deposits, or if you have too many overdrafts. Your account may become eligible for Courtesy Pay after the account has been open for a minimum of 30 days.

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.

  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

Open an Account

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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