Checking and Debit Card FAQs
Checking Account FAQ
Q: How do I open a new checking account?
A: Visit your local branch location, or call our e-Branch at 972.348.2000 or 800.843.5295 and select the menu option for account information. We’re happy to discuss the benefits and features of our checking accounts.
Q: Do you offer an account if I prefer to keep a high balance in my checking account?
A: We offer the My Texans Interest Checking specifically for members who keep higher balances in their checking account. This account earns interest, receives one free cashier’s check per month, as well as one free box of Texans Credit Union custom checks per year. We also offer money market accounts, which may be a better option for you if you’re looking for higher returns.
Q: I am, or my child is under 18. Do I get charged a fee for the My Texans Checking®account?
A: No, if the primary accountholder is under 18, the monthly service charge is waived until age 18.
Q: Does a direct deposit into my savings/share account qualify for the waived monthly service fee of My Texans Checking®?
A: No, the direct deposit must be into your checking account to receive the fee waiver. However, if you sign up for e-statements, the monthly service charge can be waived.
Q: Does a monthly wire into my checking account qualify for the waived monthly service fee of My Texans Checking®?
A: No. A wire transfer is not the same as regular payroll or government direct deposit. However, if you sign up for e-statements, the monthly service charge can be waived.
Q: What happens if I don’t have enough money in my checking account to cover the monthly service charge?
A: The process for covering transactions with Overdraft Protection or Courtesy Pay does not change. The service charge processes and the account incurs either an overdraft transfer fee or a Courtesy Pay fee.
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Debit Card FAQ
Q: Is there a fee to obtain and use a Texans Debit Card?
A: No. There are no fees to obtain a Texans Debit Card, and Texans does not charge any fees for signature and PIN-based transactions. There are also no fees for ATM transactions at any Texans-owned ATM or ATMs within the Allpoint and CO-OP ATM networks. Note that some merchants may charge for PIN-based transactions.
Q: If I use my Texans Debit Card at another bank's ATM, am I eligible for free ATM withdrawals?
A: Texans members have access to over 70,000 surcharge-free ATMs worldwide with the Allpoint and CO-OP ATM networks. They are located at popular retail locations such as 7-Eleven, Walgreens, Target, CVS and Costco, and are identified by the Allpoint or CO-OP logo stickers. Members are not charged a fee at these ATMs. Members also have access to Texans ATMs. A fee is charged for ATM transactions performed at all other ATM locations*.
Q: How does my Texans Debit Card work?
A: The Texans Debit Card can be used for point-of-sale purchases anywhere Mastercard® is accepted, as well as at ATMs. When using the debit card for a purchase, the money spent is deducted from your checking account. To use the debit card in an ATM, you must use your Personal Identification Number (PIN – this is not the same as the PIN used for Texans’ 24-Hour Phone Banking). Debit card transactions post to your monthly checking account statement.
Q: What is an EMV chip card?
A: EMV chip cards (EMV stands for Europay, Mastercard and Visa®) are also referred to as “chip cards.” They feature a computer chip on the card, which makes it much harder for criminals to successfully profit from data breaches. Because the data on traditional magnetic stripe cards never changes, criminals can easily duplicate the information stored on your card. An EMV chip changes data with every transaction to make duplication less attractive to criminals. This technology has been in use in Europe, Asia and Canada for decades and has proven to be a major fraud deterrent.
Q: What information is stored on the chip?
A: The chip stores information needed to process and protect your transactions, such as card number and expiration date. The chip card does not contain your personal or account information.
Q: Can my information be stolen off the chip by someone simply walking near me?
A: No. Texans’ EMV chip cards are contact cards, meaning they require the card / chip be in contact with the payment terminal, ATM portal or other device in order to authorize and complete a transaction. For this reason, there is no threat to having your Texans EMV chip card data be obtained by someone walking by or simply in close contact.
Q: Are EMV chip cards secure?
A: Yes – chip technology has been around for over two decades and is already the security standard in many countries around the world. When purchases are made using the chip feature, the transaction is more secure because of a unique process that is used to determine if the card is authentic. This makes the card more difficult to counterfeit or copy.
Q: Can I still sign for transactions when using my card at an EMV-enabled payment terminal?
A: While Texans allows you to choose between signing or entering your PIN when completing a transaction at an EMV-enabled terminal, some merchants only support PIN-based transactions and do not provide the option to sign for the transaction. For this reason, be sure to memorize your card PINs.
Q: Will EMV chip cards eliminate fraud?
A: Chip card technology provides an additional layer of security to help reduce the risk of fraud, but it cannot completely prevent fraud from occurring. It is still important to keep your card number and PIN information secure. Remember, if you notice any suspicious activity on your account; notify us immediately by calling the number on the back of your card.
Q: I’ve had a transaction declined even though I have money in my account to cover it. What causes this to happen?
A: Your Texans Debit Card uses a security feature which determines certain usage patterns. When these patterns deviate, it could trigger a security alert and you may receive a telephone call or letter confirming that you have made certain purchases. The caller will identify themselves as a representative of the Texans Credit Union Card Processing Center. They will not ask you for an account number or PIN. Anytime you are doubtful about the identity of the individual calling concerning your account, do not give information about your card, but contact Texans Credit Union instead.
Q: What should I do if my debit card is lost or stolen?
A: You should immediately call 800.472.3272, 24 hours a day, 7 days a week, to report your card as lost or stolen. By reporting the loss or theft, you have zero liability1 for any unauthorized purchases made with the lost or stolen card. Once you have reported your card lost or stolen, we cancel the card to prevent misuse and issue you a replacement card. For additional information, contact Texans at 972.348.2000.
Q: What if I have a dispute about a purchase transaction on my statement?
A: Report any disputes by calling 972.348.2000 (800.843.5295) or visiting a Texans branch.
Q: Are there any situations where I could experience issues using my EMV chip debit card?
A: When traveling outside the U.S., some card readers at unattended terminals (such as public transportation kiosks or gas pumps) require a PIN. However, this type of PIN technology is different than what you normally use for PIN transactions in the U.S and the card won't be accepted. In these situations, please locate an attended terminal to complete your transaction or plan for an alternative payment method, such as local currency.
Q: What should I do if I plan to travel and use my ATM or debit card?
A: If you plan to travel and use your debit card, to prevent an interruption in service, you must notify the credit union of your travel plans by calling 972.348.2000 (800.843.5295) or by visiting a Texans branch. Please mention your destination(s) and dates of travel. A travel flag is placed on your card. Once the travel flag has been placed, if you encounter any issues, please contact us toll free at 1.800.843.5295.
You can also check out our article, “Traveling with Your Texans Debit Card”, for helpful tips!
*Member responsible for fees charged by other banks’ ATMs.
1. Zero liability applies to purchases made in the store, over the telephone or made online. As a Mastercard cardholder you will not be responsible in the event of unauthorized purchases provided that the following preconditions are met: Your account is in good standing, you have exercised reasonable care in safeguarding your card from any unauthorized use (Failure to register certain cards will be considered as not safeguarding your card.), and you have not reported two or more unauthorized events in the past 12 months.
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Shared Branching FAQ
Q: What transactions can I perform at a shared branch?
A: You may make deposits, withdrawals, transfers between accounts, and loan payments at shared branches. Other services, such as cashier's checks and money orders will vary by shared branch.
Q: When will my funds be available?
A: Availability of funds deposited to your account will depend on Texans Credit Union's policy, not the policy of the shared branch. Funds may not be immediately available.
Q: How long does it take for the transaction to reach my account?
A: The transaction is "real time" which means it is immediately posted to your account. However, newly deposited funds may not be immediately availble for use.
Q: Can I cash a check at a shared branch location?
A: You can't cash checks at shared branch locations. Furthermore, in order to deposit a check and perform a withdrawal, you must be a member of a credit union on the shared branch network, and you will need the available funds.
Q: Can I make a loan payment if my loan payment is late?
A: You will need to contact Texans Credit Union before attempting to make a late loan payment at a shared branch location.
Q: Will the shared branch release a check hold?
A: The shared branch cannot release check holds and will not call Texans Credit Union requesting a check hold release.
Q: What do I need to perform a shared branch transaction?
A: Please have photo identification readily available, as well as your member number.
Q: What are the cash back limits?
A: Cash back limits will vary by credit union. It may be lower than the cash back limit at Texans Credit Union.
Q: Can I use an ATM at a shared branch free-of-charge?
A: ATM networks are separate from the shared branching network. Texans Credit Union members have access to more than 70,000 surcharge-free ATMs worldwide with the Allpoint and CO-OP ATM networks. Just search "surcharge-Free ATMs" on our locations page or use our Texans CU mobile banking app.
Q: How will my privacy be protected when I use a shared branch?
A: A member's right to privacy as enacted by federal regulations will be upheld to the fullest extent of the law. Members are encouraged to direct specific questions to their home credit union.
Q: Do the shared branches have coin machines for our use?
A: If any of the other participating shared branches have coin machines that you can use, you may be subject to any fees or charges that are the policies of those credit unions.
Q: What types of currency are accepted at the shared branches?
A: U.S. Currency only
Q: Will a shared branch accept a third-party check?
A: No third-party check will be accepted.
Q: Can I use a shared branch for business accounts?
A: Shared branching wasn't designed for business accounts, and the ability to perform transactions could be hindered based on how your account is setup. Large cash deposits or high volume check deposits could also be restricted.
Q: When do I need to contact Texans Credit Union instead of a shared branch?
A: To release a check hold; questions about your statement; Interest rates, including loans and savings accounts; Direct deposit; Replacement of your ATM or debit card; opening, closing, or other account maintenance; To address alerts or restrictions on your account(s), such as Update Address, Call Collections, or Garnishments.
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Shared ATM Networks (Allpoint and CO-OP) FAQ
Q: What are the Allpoint and CO-OP ATM networks?
A: The Allpoint and CO-OP ATM networks provide members with access to over 70,000 ATM locations worldwide. These ATMs are conveniently located at popular retail locations at which you likely already shop. ATM transactions at these locations are FREE for Texans Credit Union members.
Q: Where are Allpoint and CO-OP ATMs located?
A: The Allpoint and CO-OP ATMs can be found in many major retailers. To find the closest ATM location, visit our Locations page or use our Texans CU Mobile Banking app. Also, if you see the Allpoint or CO-OP logo on an ATM, it is part of one of these shared ATM networks.
Q: What if I have an issue with my transaction at the Allpoint or CO-OP ATM?
A: If you have any problem with your transaction at an Allpoint or CO-OP ATM, including getting charged any fee, please contact us at 972.348.2000 so we can work directly with the ATM network provider on your behalf to resolve the issue right away.
Q: I used an Allpoint / CO-OP ATM and the “surcharge warning message” screen said I would be assessed a surcharge fee for the transaction. Will I be charged? Why does this happen?
A: You will not be charged a fee. Due to the technical limitations of certain types of ATM machines, Allpoint and CO-OP cannot always prevent the "surcharge warning message" screen from appearing. The ATM verifies you are a Texans member participating in the Allpoint or CO-OOP network while the transaction is processing, so this screen may appear on some of the ATMs.
Q: If I use an Allpoint or CO-OP ATM in a foreign country, am I assessed an exchange rate adjustment fee?
A: If a member uses an Allpoint or CO-OP ATM in a foreign country, the member will not incur a foreign transaction fee (see Texans Fee Schedule). However, the member may incur fees assessed by Visa or Mastercard for foreign transactions including those done at an Allpoint or CO-OP ATM.
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Courtesy Pay FAQ
Q: What does Texans’ standard overdraft practice (Courtesy Pay) cover?
Checks and ACH / automatically deducted payments (included recurring debit card payments) – Eligible members / accounts are automatically enrolled
(One-time and non-recurring) Debit card and ATM transactions – Requires that the member opt in to receive this benefit
Q: What is the cost for Courtesy Pay?
A: There is no cost to have Courtesy Pay on your account or opt in for the (one-time and non-recurring) debit card and ATM transaction coverage. You only pay a fee when you use it. Each time Courtesy Pay is used, a fee of $35.00 per covered item is assessed1. If you never use Courtesy Pay, you are never charged.
Q: How much will Courtesy Pay cover in charges?
A: Courtesy Pay may cover items that exceed the Available Balance of your account up to $750 (including fees)1.
Q: What are the requirements to use Courtesy Pay?
A: We typically don’t pay overdrafts if your account is not in good standing, you are not making regular deposits, you have had excessive overdrafts or your account has not been open for at least 30 days.
Q: What if I already have Overdraft Protection?
A: If you already have Overdraft Protection set up with your savings, money market or line of credit, we continue to use those methods before we use Courtesy Pay.
Q: Will you always pay my (one-time and non-recurring) debit card or ATM transactions when my Available Balance is low? (Available Balance as defined in the Consumer Membership Account Agreement)
A: Courtesy Pay is a discretionary service, which means your (one-time and non-recurring) debit card purchases and ATM transactions are not guaranteed to go through and Texans Credit Union reserves the right to not pay a transaction.
Q: How do I opt in or out for Courtesy Pay for debit card and ATM transactions?
A: Most Texans Checking Accounts automatically have Courtesy Pay for checks and ACH payments, but in order to have coverage on (one-time and non-recurring) debit card and ATM transactions, you must let us know (opt in). You can opt in by visiting a local branch, online, or calling our e-Branch at 972.348.2000. Please allow up to two (2) business days for your Courtesy Pay preferences to be updated, from receipt of request.
If you opt out, your (one-time and non-recurring) debit card and ATM transactions are declined when your Available Balance is lower than the transaction about and a fee is not charged.
1. If a Texans Check 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 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). A Consecutive Days Overdraft Fee is charged for any overdraft balances that you haven’t repaid within the first 5 consecutive business days that your account is overdrawn. 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.
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Q: How do I sign up for e-statements?
A: Log into online banking and under Additional Services, click e-Statements to get started. Once you’ve completed enrollment, you’ll receive e-statements starting with the next statement cycle.
Q: How do I access e-statements?
A: Log into online banking and under Additional Services, click e-Statements. Up to 24 months of statement history is available.
Q: Will I receive notification when my statement is available?
A: Yes. An email or text notification (depending on your preferences) is sent when your statement is ready to view.
Q: How can I switch back to receiving paper statements in the mail?
A: Log into online banking and under the Additional Services tab, click e-Statements. In the Information section, select “Switch to Paper Delivery.” Click “Submit” on the Switch to Paper Delivery page to complete the de-enrollment process. Please refer to the fee schedule as paper statement fees may apply.
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Mastercard Automated Billng Updater FAQ
Q: What is the Mastercard Automated Billing Updater service?
A: The Mastercard Automatic Billing Updater ("ABU") is a service that provides card number and expiration date updates to participating merchants who maintain card-on-file account information to process recurring customer payments.
Q: What are card-on-file transactions?
A: Card-on-file transactions are payments processed using a card number you have stored with a merchant, such as recurring payments for utility bills, gym membership dues, insurance premiums, and security alarm services.
Q: Why is this service being offered to cardholders?
A: The Mastercard ABU service is required by Mastercard for all consumer and business debit cards.
Q: How does the Automatic Billing Updater service work?
A: Cardholders sometimes have recurring payments or a card on file set up with a merchant(s). When account changes are made to a cardholder’s account - for example, a debit or credit card number has been changed or an expiration date has been updated - it may cause recurring payments to be declined, resulting in an inconvenience to members. The Mastercard ABU service allows the updated information to be provided to participating merchants on behalf of the member, resulting in fewer declines.
Q: Is there a fee for the Mastercard ABU service?
A: No, there is no fee for this service.
Q: What are the benefits of the Mastercard ABU service?
A: The Mastercard ABU service reduces declines of recurring payment transactions and helps to ensure, but does not guarantee, on-time bill payment and the prevention of late fees.
Q: Can members decline this service?
A: Yes. Members may opt-out by visiting a branch or by calling 972.348.2000 or 800.843.5295 to begin the opt-out process.
Q: If I have more than one debit card (for multiple checking accounts), can I opt in one card and opt out another?
A: No. Your preference will be applied to all debit cards in your name.
Q: Will all of my payment information be automatically updated?
A: No. The Mastercard ABU service is only available at participating merchants. They can choose the frequency at which they check for updated payment information. To avoid late payments and penalties, members must check with their merchants to ensure their card information has been updated.
Q: Do you have a list of participating merchants?
A: No. Participation in this service is at each merchant’s discretion. Texans Credit Union does not have a merchant list. We recommend contacting all of the merchants that have your card on file for recurring payments to confirm that they have your new, updated card information.
Q: What happens if my debit and credit card information is not updated with participating merchants, either by the ABU service or otherwise?
A: Automatic payments will be declined and merchants may charge members a late fee.
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