Online banking

Login

Tips to Help You Save on Everyday Expenses

 

Whether it’s filling up at the gas station, grocery shopping for the family, or paying bills like rent and property taxes, we’ve all been impacted by the recent rise in inflation. We understand that inflation is more than a nuisance. We know that this can mean making tough daily decisions to avoid taking on extra debt, pay bills, and plan for financial goals.

Historically, inflation has been considered transitory, or temporary, by economists. Inflation most often occurs when demand for goods drastically increases in a short period of time, causing a temporary increase in prices while supply catches up with demand.

Current inflation has been different. It has been fueled by a lack of supply available to meet regular demand, rather than an increase in demand. Because of this difference, it seems as though inflation will be sticking around for a while.

 


 

Saving at the Pump

 

Work Smarter, Not Harder

Combine your errands to save gas. Set aside a block of time to visit the grocery store, the post office, or wherever you need to go all at once. Reducing the number of trips will help you save on gas and time.

 

Stretch Your Mileage

Many vehicles today offer an eco-mode that helps you get more miles per gallon. Often this is an automatic feature, but sometimes you have to manually turn the feature on. If your vehicle is equipped with a manual eco-mode, start hitting that button every time you get in your vehicle.

If your vehicle is equipped with a sport mode, or other speedier option, make sure this is turned off as it can reduce your miles per gallon.

 

Don't Wait to Fill Up

Waiting until you're nearly out of gas to fill up increases the chance that you'll have to settle for a higher price at a nearby gas station. When your tank is about three-quarters empty, locate a low-cost gas station in your area to ensure you aren't overpaying.

 

Check Prices and Use Discounts

There are many gas-finding apps that check the price of local gas stations and show you the real-time prices based on the type of gas you use. Many of these apps will also give you discounts or cash back for linking your bank accout or uploading receipts to confirm your purchases.

 

Our favorite apps:

GasBuddy logo

Gasbuddy

The GasBuddy app helps find the cheapest gas near you. Save up to 40¢/gal by upgrading to a Pay with GasBuddy fuel rewards program.

Upside logo

Upside

Upside is a free app that gives you real cash back on gas, groceries, and at restaurants.

Waze logo

Waze

The Waze app provides a gas price filtering option to help you compare the price and distance for optimal savings.

 

 


 

Saving at the Grocery Store

 

Use Grocery Pick-Up

Take advantage of shopping online and use your grocery store's pickup service. This will help to reduce non-essential purchases and impulse buys that you make in-store. Most grocery stores offer free pickup with a small minimum purchase, making it easy to use for your weekly shopping trip. 

 

Shop Solo

If possible, shop alone. The more people you bring along, the more likely you are to buy items that are not on your list. Kids tend to ask for extra items the most often, but even your partner or roommate can be guilty of adding additional things to your cart. Be efficent and practical by sticking to your list.

 

Clip (or Click) Coupons

In addition to weekly printed ads, most grocery stores now offer the ability to easily save digital coupons in their mobile app. Simply scroll through potential savings, and select the offers you'd like to redeem. Your discounts are then automatically added at checkout using your store loyalty card or phone number. Some apps will even allow you to scan items as you shop to check for potential discounts.

 

Our favorite apps:

Kroger logo

Kroger

Kroger's Loyalty Program helps you save on fuel every time you shop! Whenever you use your Shopper's Card, you'll earn one Fuel Point for every $1 you spend.

Whole Foods logo

Whole Foods

If you have an Amazon Prime Membership, you can save an extra 10% off storewide sales and scan for Prime member deals and special discounts.

Sam's Club logo

Sam's Club

Save extra on items marked with Instant Savings when you utilize the Scan and Go feature on Sam's Club's app.

 

 


 

Secondhand Savings

 

Maximize your savings on household goods, furniture, toys, clothing, and more by purchasing secondhand items online. Search for any item you need with the click of a button, without wading through a packed and confusing consignment shop. Always look for items that are listed as in new, like-new, or good condition to get the most out of your purchase. Local sellers offer some great deals in your area, but if you choose to meet in-person, remember to always meet in a public place to ensure safety.

 

Our favorite apps:

Facebook Marketplace logo

Facebook Marketplace

Search for great deals on any item you need from local and national sellers or businesses on Facebook. Your Marketplace profile is separate from your personal Facebook profile to keep your information safe.

Letgo logo

Letgo

Sell your unwanted stuff and find great deals nearby on things you need safely, using their secure chat feature. You can find just about anything, including electronics, furniture, home décor, rental properties, and more.

ThredUp logo

ThredUp

Search this online consignment & thrift store for clothing, shoes, and accessories at a fraction of the retail price. ThredUp offers women's, maternity, plus size, and kids clothing to make finding what you need for less easy. 

 

 


 

More Ways to Save

 

Review Monthly Expenses

Take a look at your monthly bills, like streaming services and other subscriptions. Often, reocurring bills become so automatic that we don't realize we are still paying for a service we no longer need. Check to make sure you aren't paying for duplicate services or services you no longer use. 

Other areas where you can shop arond for savings include phone, internet, and car or home insurance. Check your local prices and rates to make sure you aren't overpaying for your services.

 

Use Cash-Back Apps

Many apps and websites offer rebates on purchases you're already making with cash-back or points that can be redeemed for gift cards or other rewards. Using rebate apps is an easy way to offset some of the cost at stores you regularly shop at.

 

Our favorite apps:

Ibotta logo

Ibotta

Earn cash back every time you shop with Ibotta. Sign up to access special cash back offers from your favorite stores. Click to activate offers up to 30% cash back and earn when you upload your receipt. Earnings are deposited right to your bank account.

Fetch Rewards logo

Fetch Rewards

Earn points on every purchase you make! With Fetch you can earn points on any receipt or eReceipt from any store. Then redeem points for gift cards to places you already shop, including Amazon, CVS, Petco, Sam's Club, and more.

Google Opinion Rewards logo

Google Opinion Rewards

Get paid for your opinions. Complete short surveys from Google Opinion Rewards such as opinion polls, hotel reviews, satisfaction surveys, and more. Get notified when surveys are waiting for you and easily cash out your rewards with PayPal.

 

 

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
image
 

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!

learn more

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

 

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

Apply Now

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

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

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
Enroll in eStatements

Templated Block 14 - Rates Strip - Deposit Accounts - Content Missing

Templated Block 15 - Checking - Content Missing

Templated Block 16 - Auto Loans - Content Missing

Templated Block 17 - Membership - Content Missing

Templated Block 18 - Digital & Accessible 3 - Content Missing

Templated Block 19 - High Yield Savings - Content Missing

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

 

Templated Block 21 - Credit Life and Disability - Content Missing

Templated Block 22

Templated Block 23

Templated Block 24

Templated Block 25

Templated Block 26

Templated Block 27

Templated Block 28

Templated Block 29

Templated Block 30