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Protect Your Credit Score

Your credit score is the key to many investments of your future; therefore, the importance of your credit score is paramount. When there is fraud tied to your information and credit history, it can negatively impact your credit score, which means it is necessary to protect your credit information and do everything you can to prevent fraud.

 

How to Prevent Fraud

Keep an eye out for unauthorized charges

Frequently check your credit card statements and be aware of charges you did not make. Watch out for red flags, including charges made in a different geographic region, uncharacteristic purchases, or numerous small purchases. If you notice any charges on your credit card that you did not make, call your credit card provider and report the unauthorized charges.

Monitor your credit report

You are entitled to a free report every year from each of the three bureaus (Equifax, Experian, and TransUnion) through www.annualcreditreport.com. Request a report every four months from one of the different bureaus so you can monitor your credit throughout the year at no charge. Never pay for a credit score report off an irreputable site.

Shred your sensitive documents

Many documents have information that identity thieves can use to access your accounts. Identifying documents can include bank statements, credit card applications, bills, and anything else that states your personal information. Throwing away sensitive documents is not enough; dedicated thieves dig through your trash to find information. It is important to shred identifying documents. Don't have a shredder? Texans Credit Union offers FREE Shred Days throughout the year to help protect your identity by shredding your important documents.

 

If You Suspect Fraud

Add an initial security alert to your file

If you find unauthorized charges on your card or find unusual credit activity on your report, you may set up an initial security alert to your file. When you fear fraud may have occurred, an initial security alert warns lenders that you may have been a fraud victim and asks them to take extra precautions before granting a line of credit in your name. Security alerts are shared with all three credit bureaus. To set up an initial security alert, visit www.Experian.com/fraud, or call 1.888.EXPERIAN.

 

If You are a Victim of Fraud

Add an extended security alert to your file

If fraud does occur, you can request an extended security alert, also known as a victim statement. As a higher level fraud alert, this generally requires a police report. This ensures lenders verify your identity over the phone before they approve any new credit card application associated with your name and credit file. An extended security alert is valid for seven years. To set up an extended security alert, visit www.Experian.com/fraud, or call 1.888.EXPERIAN.

Freeze your account

Adding a freeze to your credit allows you to restrict access to your credit report, which makes it more difficult for identity thieves to open new accounts in your name. If a creditor cannot see your credit report, they may not be able to extend the credit to the fraudster. A credit freeze does not affect your credit score. It also does not prevent you from getting your free annual credit report, buying insurance, or applying for a job. You are the only person who can temporarily lift or remove the freeze. Fees and regulations vary by state. To set up a credit freeze, visit www.Experian.com/fraud, or call 1.888.EXPERIAN.

 

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
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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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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

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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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