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Emergency Assistance Options


If you've been affected by Winter Storm Uri, we're here to help. We offer low-rate Personal Loans and a variety of Home Equity lending options that could help you get back on your feet after any storm damage or emergency expenses. If you need assistance with any of your current accounts, please contact our Member Connect Call Center at 800.843.5295. We're here for you.



Personal Loans

Rates as low as 5.99% APR1

Quick, affordable, and flexible, use a Texans Personal Loan to help cover unexpected emergency expenses.

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Home Equity Loan

Rates as low as 3.50% APR2,4

Use your home's equity for expenses such as property damage, medical bills, or other emergency expenses.

Apply Now



Home Improvement Loan

Rates as low as 3.90% APR2,4

Use a Texans Home Improvement Loan for home improvements or repairs to your home completed by a licensed contractor.

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Home Equity Line of Credit

Variable APR as low as 4.00%3,4

Get your money as you need it with a Texans Home Equity Line of Credit.

Apply Now



Membership required. Loans subject to credit approval. Rates, terms, and conditions are determined by the overall creditworthiness of each applicant, and are subject to change without notice.

1 APR = Annual Percentage Rate. Rates current as of 2/1/2021. Minimum loan amount is $500. Payment example: 5.99% APR for 36 months is $15.21 per $500 borrowed. Other conditions may apply.

2 Lowest rate currently available as of 2/1/2021 and reflects 0.25% automatic payment rate discount. Automatic payment rate discounts may not be available on certain rates, terms and products. Your final APR may vary based on customary fees and closing costs which are treatable as interest when calculating your final APR. Loans subject to credit and property approval, other terms and conditions apply. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. This does not represent an offer to enter into a loan agreement.  Products, rates and terms are subject to change without prior notice; other restrictions may apply. Mortgage lending is restricted to property in Texas. Property insurance is required, including flood insurance where applicable. Valid for primary residences only. Loan may not be used to purchase the property being used as collateral. First-lien home equity loans are not available to purchase a new primary owner-occupied residence; owner-occupied primary residence must already be purchased. Lot size less than 10 acres. Condominiums and Manufactured homes are not eligible. Consumer purposes only. Minimum loan amount is $25,000 for first-lien home equity loans; terms up to 15 years available on first lien home equity loans. Member may incur one-time property tax monitoring fee; no other closing costs on loans up to $150,000. Member incurs cost of full title policy on loans greater than $150,000. A sample loan payment for a fixed equity loan based on a $100,000 at 3.50% APR for 5 years is $1,819.17. The payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.

3 Lowest rates currently available as of 2/1/2021. Texans Home Equity Line of Credit features variable rates based on the Prime Rate (as published in The Wall Street Journal). Your variable rate is calculated by adding a margin to the most recent Prime Rate. Current rates range from 4.00% APR to 6.50% APR. Prime is a variable rate; as it changes, the APR on your account may increase or decrease quarterly, not to exceed a maximum rate of 18% or the highest rate permitted by applicable state law. You may pay certain 3rd party fees to open your line of credit. These fees generally range from $150 to $1,800.

4 A valid, compliant property appraisal is required for all Home Equity loans. The extent of damage to your home and estimated cost of repairs could impact the appraised value of your home.

This is not an offer to extend consumer credit as defined by Section 226.2 of Regulation Z. Rates and terms are determined by the overall creditworthiness of each applicant, and are subject to change at any time without notice.

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


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*
  • 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


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

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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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