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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 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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e-Statement FAQ

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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Online and Mobile Banking FAQs

Online Banking FAQ

Q: How do I setup a recurring transfer or a future-dated transfer?

  • Mouse over “Move Money”
  • Click “Schedule a Transfer”
  • Click the “Add” button

Q: How do I rename or hide my accounts in the Account Summary?

  • Click on “My Settings” in the upper right corner of the page
  • Click “Rename & Hide your accounts” in the left column
    • To rename: Update the account name in the “Rename account to” field
    • To hide: Uncheck the box in the “Show account” column
  • Click the “Done” button

Q: How do I change my email or physical address?

  • Click on “My Settings” in the upper right corner of the page
  • Click “Update” next to either your email or physical address
  • Enter the new information and click the “Save” button

Q: How do I change my security settings?

  • Click on “My Settings” in the upper right corner of the page
  • Click “Update security options” in the left column
  • Add, update or remove the phone number(s) listed
  • Update your preference to receive one-time security codes by email
  • Click the “Save” button

Q: How can I access my e-statements?

  • Mouse over “Additional Services”
  • Click the “e-Statements”

Q: How do I re-order checks?

  • Mouse over “Additional Services”
  • Click “Check Reorder & Credit Card”
  • Under Check Reorder, select the account you want to order checks for, then click the “Enter” button
  • If you have not ordered checks before, you will need to submit an email request to order checks

Q: How do I submit a stop payment on a check I have written?

  • Mouse over “Additional Services”
  • Click “Stop Payment”
  • Enter your account and check information
  • Click the “Submit” button

Q: How do I export my data?

  • From the “My Accounts” home screen, click on the account you want to export
  • On the account history screen, click the “Export” icon / link in the blue bar
  • Select the export format and click the “Export” button

Q: I am having problems accessing online banking, including multiple requests to receive and enter a one-time passcode after registering my computer as private.

A: If you have problems loading the site, get blank screens or errors frequently, please reference the recommended browser settings for your specific browser type (below).

If you are continually asked to receive and enter a one-time passcode after registering your computer as private, be sure to check your browser’s settings as it relates to cookies. The recommended cookie settings can be found for various browser types below. Another option is to make TexansCU.org a trusted site without enabling cookies on your entire browser.

Recommended browser settings:

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Online Bill Pay FAQ

Q: How do I delete a payee (will not show in list and scheduled / recurring payments will not continue)?

  • Click “Bill Pay” from the top menu
  • On the row of the payee you want to delete, click “Options”
  • In the menu that appears, click “Delete it” in the bottom left
  • Confirm by clicking the “Yes – Delete” button

Q: How do I hide a payee (will not show in list, but scheduled / recurring payments will continue)?

  • Click “Bill Pay” from the top menu
  • On the row of the payee you want to hide, click “Options”
  • In the menu that appears, click “Hide it” in the bottom left

Q: How do I turn off bill payment alerts?

  • Click “Bill Pay” from the top menu
  • On the row of the payee, click “Options”
  • In the menu that appears, click “Turn off” in the top right

Q: How do I setup a recurring payment to a payee?

  • Click “Bill Pay” from the top menu
  • On the row of the payee, click “Options”
  • In the menu that appears, click “Automatic payment” in the left column
  • Enter the payment and frequency information
  • Click the “Save” button

Q: How do I add a memo line to a payee?

  • If the payment is sent by check, a memo line can be added but if the payment is sent electronically, a memo line cannot be added
  • Click “Bill Pay” from the top menu
  • Click on the row of the payee for which you want to add a memo
  • Under the “Pay” button, click on the “+ Memo” link (may not be available for all payees)
  • Add the memo information
  • Click the “Add Memo” button

Q: How do I change the nickname of a payee?

  • Click “Bill Pay” from the top menu
  • On the row of the payee, click “Options”
  • In the menu that appears, click “Account Information” in the left column
  • Change the payee nickname
  • Click the “Save” button

Q: How do I find my bill payment history?

  • Click “Bill Pay” from the top menu
  • Click on the row of the payee for which you want to view history
  • Click the “View History” link under the name of the payee
  • On the payment history page:
    • Date range can be edited in the top left by clicking “Change”
    • Information can be downloaded by clicking the “Download” link / icon in the top right
  • Return to the Bill Pay page by clicking “Bill Pay” from the top menu or clicking “Back to main page”

Q: How do I find a payment confirmation number?

  • Click “Bill Pay” from the top menu
  • Click on the row of the payee for which you want to view history
  • Click the “View History” link under the name of the payee
  • On the payment history page:
    • Confirmation number is provided in Confirmation# column
    • Status is provided in the Status column
  • Return to the Bill Pay page by clicking “Bill Pay” from the top menu or clicking “Back to main page”

Q: How do I add an additional funding account to pay my bills?

A: Submit an email to us via the “Support” link in the upper right hand corner of any page, then click “Secure Support”. Your additional funding account will be added within five business days. Only checking accounts are available for bill payment.

Q: When will bill pay funds be removed from my account?

A: The funds are deducted from your account two business days after your selected Send On date. For example, if you set the Send On date as Monday, June 13, the funds are removed from your account on Wednesday, June 15.

Q: What is the expedited payment feature?

A: The expedited payment features allows you to have a payment delivered to your merchant the next business day. Fees apply to this functionality.

Q: What are the payment statuses in Online Bill Pay?

  • Sent: Check payment has been printed and mailed to the payee
  • Completed: Electronic payment has been received and processed by the payee
  • Cleared: Check payment has been received and cleared by the payee
  • Canceled: Payment that you cancelled
  • Stopped: Check payment has a stop pay placed on the check

Q: Why is my payment blocked?

A: Your payment may be blocked by our bill pay provider if the payment is for a large amount, logging in from a foreign location or based on fraud trends and patterns. Our bill payment provider will call you to verify the payment indicating they are calling on behalf of Texans Credit Union. If the bill pay provider cannot reach you, they will reach out to Texans to verify the payment.

Q: What happens if the bill pay provider cannot reach me or Texans CU to verify my payment?

A: A block is placed on your bill pay service and all payments scheduled during the blocked period are cancelled. You will receive an email indicating a block has been placed on the account. You may contact our bill pay provider by calling 800.720.1818 and entering the agent’s five-digit extension.

Q: Why was my bill payment service blocked?

A: Your bill payment service can be inactivated if you did not have funds in your account to cover your bill payment. If your bill payment service is blocked, you will receive an email alert. You can view your pending payments and cancel pending payments, but current scheduled payments will be cancelled during the blocked period. In addition, recurring payments will be cancelled. Future dated recurring payments will be processed once the block is lifted. In addition, as needed, collection steps will be taken to recover the bill payment funds.

Q: When will my bill payment service be unblocked?

A: Your bill payment service will be unblocked three business days after you settle the uncollected payment(s) with our bill pay provider. The accounts are unblocked daily at 2:00am, 1:00pm and 6:00pm CT.

Q: Can Texans close my bill pay service?

A: Yes, Texans and/or its bill payment processor may close your bill payment service if you do not settle for the uncollected payments. Your account may be blocked for up to one year.

Additionally, if your bill pay service goes unused for 90 days, it will be deactivated. If you decide you want to use the service, you will need to reapply for it.

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Pending Transactions FAQ

Q: What is the difference between my Available Balance and Account/Current Balance?

A: Your Available Balance is the Account/Current Balance minus pending withdrawals and pending deposits.

IMPORTANT NOTE: Your Available Balance may NOT reflect every transaction you have initiated or previously authorized. It is your responsibility to manage your financial transactions and reconcile your Account by checking your periodic statements and any outstanding unpaid items before initiating any new transaction. For additional information, please refer to page 3, “Balance and Available Balance,” in our Membership Account Agreement.

Q: Where can I view my pending transactions?

A: Pending transactions can be viewed on the Account History page within online and mobile banking.

Q: What are pending transactions?

A: Some transactions, especially signature-based debit card transactions, can take a couple of days to post. Pending transactions are transactions that are known but have not yet been fully processed (posted) for payment from your account. In the meantime, pending transactions help you keep track of outstanding debits to your account. Always refer to your Available Account Balance as this balance reflects pending transactions.

Q: What types of transactions appear as pending transactions?

A: Debit card purchase transactions and pending hold amounts associated with checks (based on our funds availability policy) you’ve deposited into your Texans accounts.

Q: Why is the pending transaction amount different from the actual charge?

A: For some debit card transactions, the amount listed when the transaction is pending may not be the final amount deducted from your account. For example, it may not include a tip you added to a restaurant bill. Some merchants obtain a pre-authorized hold for an amount more or less than the actual purchase (gas stations, restaurants, hotels). Keep this in mind when using your debit card for these types of purchases.

Q: Why do my debit card purchases disappear from pending and then post a few days later?

A: Debit card purchases occasionally take up to five (5) days to clear. In rare situations in which your purchase is no longer pending and has not posted, it means the merchant/retailer has not yet submitted the item for final posting and the transaction disappears from your pending transactions. However, since this was an authorized transaction, we are committed to paying the item, and it will re-appear once the merchant submits the final transaction.

Q: Why do I see check deposits as pending transactions?

A: In some cases, a hold may be placed on a check deposited into your account. The hold period and the hold release date are provided in the Description field of the transaction and the funds being held will display in the Withdrawal column of your account history – this amount is not a withdrawal but the amount of funds actually on hold from the check deposited based on our funds availability policy. In the example below, the check deposit is subject to a one-day hold and the amount that is immediately available is $200:

Date

Description

Deposit

Withdrawal

Balance

 

Pending

1 Day Hold / Release Date 04/02/2016

 

$600.00

 

Balance

$800.00

03/31/2016

Check Deposit

$800.00

 

$800.00

Available*

$200.00

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Quick Balance FAQ

Q: What is Quick Balance?

A: Quick Balance is a feature of the Texans CU mobile banking app that allows you to quickly access your deposit and loan account balances by swiping down on the app’s login screen.

Q: How do I set up Quick Balance?

A: Within the Texans CU mobile banking app, go to Settings > Quick Balance > Current Device > toggle the Quick Balance feature to “On.” (Follow these same steps and select “Off” to disable Quick Balance.)

Quick Balance is available for the iPhone 5S and higher, with an operating system of iOS 7 or newer, or an Android phone V4.1 or greater.

Q: Does Quick Balance prevent other users from viewing my account balances?

A: No. We don’t recommend using Quick Balance if you share the phone or device passcode with others. Anyone who knows the device passcode will be able to view your account balances.

Q: Can an account be enabled for Quick Balance on multiple devices?

A: Yes.

Q: What happens if my device is lost or stolen?

A: Contact Texans Credit Union immediately to disable Quick Balance. Log into iCloud and remotely wipe your device and use Find My iPhone app.

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Purchase Rewards FAQ

Q: What is Purchase Rewards?

A: Purchase Rewards is a free program that allows debit cardholders to earn extra savings by using their Texans Debit Card to purchase merchandise and services. There is no limit to the cash back / rewards you may earn, so the more you use your Texans Debit Card, the more offers you can receive and the more cash back you will earn.

Q: How do I sign up?

A: All Texans Debit Cardholders are automatically enrolled in this rewards program. As you shop using your Texans Debit Card, Purchase Rewards offers are presented to you within online banking based on your shopping patterns. Simply add the offers you’re interested in to your debit card within online banking, then shop at the specified retailer with your Texans Debit Card to earn the reward (you do not need to present anything to the retailer / cashier at the time of payment).

Each offer has four conditions that must be met: (1) a promotional period; (2) a reward amount (i.e.: 15% of your purchase); (3) a condition to qualify for the reward (i.e.: minimum purchase amount, shop online, etc.); and (4) the requirement to use your Texans Debit Card tied to the account through which you received the offer.

Q: When do I receive the rewards for the offers I redeem?

A: On average, your cash rewards are deposited into your account at the end of the month after the offer is redeemed (Ex: Offer was redeemed on March 7, rewards are deposited on or around April 30).

Q: Why don’t I have offers?

A: Offers are based on how you currently shop. If you seldom use your Texans Debit Card, you may not receive offers until you begin to use it more.

Q: If I have more than one account, will I see the same offers on both accounts?

A: Offers are matched on an account level based on the purchases made with your Texans Debit Card for that account. If you make different purchases with different accounts, you may see different offers in those accounts. You must use the Texans Debit Card connected to the account to redeem the offers for that account.

Q: If my spouse and I both have debit cards for our joint checking account, can we each earn the reward?

A: No. Offers and rewards are based on the account, not the debit card(s) associated with the account. If an offer is presented to an account with more than one debit card, whichever person uses their debit card first (meeting the requirements) triggers the reward back to that account. Credits for all redemptions are lumped together and posted as one transaction.

Q: I did not receive the correct amount of rewards.

A: Each offer has different requirements regarding when and where to shop and how much you need to spend. Check the Purchase Rewards section within online banking to ensure the purchase qualifies as redemption of the offer. If you believe that you met the requirements and the rewards are incorrect, please contact us at 972.348.2000 (800.843.5295).

Q: Are rewards I receive considered income for tax purposes?

A: Rewards are not considered income, so there are no tax implications and no 1099 forms. Rewards are essentially coupons, except they are redeemed more easily by using your debit card. For additional questions regarding tax implications, contact your tax adviser.

Q: Does Texans CU share information with Purchase Rewards merchants?

A: No, Texans Credit Union does not share any consumer information with Purchase Rewards merchants.

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iPhone Touch ID FAQ

Q: What is Touch ID?

A: Touch ID is Apple’s fingerprint authentication technology. You can use a fingerprint instead of your user name and password to access Texans’ mobile app.

Q: On which iPhones do Touch ID work?

A: Touch ID is available for the iPhone 5S and higher, with an operating system of iOS 7 or newer.

Q: How does Touch ID work?

A: Touch ID allows you to log into Texans’ mobile app with fingerprints enabled on the mobile device. Touch ID on the Texans’ mobile app accepts any enabled fingerprints stored on the device’s repository.

Q: Does Touch ID prevent other users from accessing my account?

A: Touch ID is designed to be secure, but we don’t recommend using Touch ID if you share the phone or device passcode with others. Anyone who knows the phone’s passcode has access to add a fingerprint on the device. Once added, that fingerprint can be used to access your account(s) at Texans or other apps that have been set up to use Touch ID.

Q: Who is able to access my Texans’ mobile banking app with Touch ID?

A: All fingerprints enrolled on the device have access to Texans’ mobile banking app.

Q: How do I set up Touch ID?

A: If you already have Touch ID enabled on your device, you will be prompted to setup Touch ID the next time you log into the Texans CU mobile banking app.

Q: Will Touch ID work if a user does not have fingerprints enabled for Touch ID on my device?

A: No. Fingerprints must be added to your device within the settings of your iPhone.

Q: How do I disable Touch ID?

A: Log into the Texans mobile app banking and from the Settings menu, set the Touch ID option to “Off.”

Q: Can I delete the fingerprints used by Touch ID?

A: Yes, you can un-enroll fingerprint(s) on the device under Settings. This impacts your access to all apps accessed with a fingerprint.

Q: If the device doesn’t recognize my fingerprint, can I still access my account?

A: Yes. You always have the option to login using your username and password. Simply swipe backwards when the app asks for your fingerprint.

Q: Is my fingerprint used by Touch ID secure?

A: The fingerprint is stored on the device and not in the mobile banking app. The mobile banking app does not access the actual fingerprint during login; it simply determines if the fingerprint is valid.

Q: Can an account be enabled for Touch ID on multiple devices?

A: No. If you have multiple online banking logins, Touch ID can only be used to support a single login per device.

Q: What happens if my device is lost or stolen?

A: Contact Texans Credit Union immediately to disable Touch ID. Log into iCloud and remotely wipe your device and use Find My iPhone app.

Q: Why can’t I log in using Touch ID?

A: You may be unable to use Touch ID for several reasons.

  • Make sure you are using the latest version of iOS and have a supported device
  • Touch ID may not be able to read your fingerprint due to environmental factors
    • Device screen and fingers must be dry
    • Certain activities can also temporarily affect Touch ID including exercise, showering, swimming, cooking or other conditions or changes that affect your fingerprint
  • If you have multiple online banking logins, Touch ID only supports a single login per device
  • If you are unable to provide a valid fingerprint after three attempts, you must login with your user ID and password

o Don’t press to quickly, firmly or move your finger during the identification process

o Moisture, lotion, sweat, oils, cuts or dry skin might affect recognition

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Loan FAQs

General Loan FAQ

Q: How can I access my Texans line of credit?

A: The funds available from your Texans line of credit can be accessed through online banking, at an ATM, at a branch, or via our 24-hour Account Access line. It can also be set up as overdraft protection from your checking account.

Q: Do I need to pay off my car loan before trading or selling my vehicle?

A: Your Texans loan can be paid off using the proceeds of your private-party sale or dealer trade. The title is released to the buyer after the payoff has been applied. When your vehicle is traded to a dealership, Texans and the dealership work together to exchange title documents.

Q: Can I add payment protection (GAP coverage, credit life and disability, major mechanical protection) to my loan currently financed with Texans?

A: Yes. Most of these products can be added to your existing loan. Visit your local branch office or call us at 972.348.2290 or 800.843.5295, ext. 2290 for more information.

Q: What are my rights under the Servicemembers Civil Relief Act?

A: The Servicemembers Civil Relief Act (SCRA) provides relief to Reservists, National Guardsmen and civilians called to active duty that have received orders for deployment. The Act provides that loan interest rates be reduced to 6% and that any repossession, foreclosure or seizure cannot be done without a court order. Any new debts incurred during active duty are not within the scope of the SCRA. Any knowing violation of the rights provided by SCRA is a misdemeanor, punishable up to one year imprisonment and a $1,000 fine, or both. For details or to exercise your rights under this Act, please call us at 972.348.2290 (800.843.5295, ext. 2290).

Q: How does escrow impact my mortgage payment?

A: Escrow statements are sent annually in late January and impact your payments beginning in March of the same year. The monthly escrow payment, which is added to your monthly principal and interest payment, is dependent upon the annual premium for your hazard and flood insurance and annual property taxes. Some mortgage borrowers are surprised when there is a significant increase in their monthly payments. This is usually the result of an increase in the appraised value of your home; the tax rates charged by your city, county, and/or school districts; or your hazard insurance premium.

Q: How do I obtain my IRS form 1098?

A: Texans Credit Union mails IRS form 1098 tax statements in late January. If you need a copy of the previous year’s 1098 form, contact us at 972.348.2000 (800.843.5295).

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Home Equity FAQ

Q. How can I use a home equity loan?

A. You can use the money from a home equity loan for any purpose, such as sending a child to college, paying medical expenses, home improvement, emergencies, or debt consolidation. A home improvement loan, however, must be used for home improvements performed by a licensed contractor.

Q. Are there any prepayment penalties?

A. No. There will not be any prepayment penalties.

Q. What is the maximum term on a home equity loan?

A. The maximum term for a Texans home equity loan is 20 years.

Q. Are there any restrictions on a home equity line of credit?

A. Yes, if the principal balance at any time exceeds 50 percent of the fair market value of your home, as determined on the date the line of credit is established, you may not continue to request advances under the line of credit until the balance is less than 50 percent of the fair market value. A member’s initial draw from the line is not subject to this restriction provided the funds are advanced at time of loan closing (up to 80% LTV).

Q. Is there a maximum or minimum amount a homeowner can borrow?

A. The maximum loan amount is $250,000 (determined by the equity in the homestead). The minimum loan amount is $5,000. Home equity lines of credit have a minimum draw/advance of $4,000.

Q. Are there built-in safeguards to protect borrowers on home equity loans?

A. Yes, after the later of the loan application or the giving of a constitutionally specified notice, lenders and borrowers must wait 12 days before loan papers can be signed, and there is an additional three-day right of rescission period before funds can be disbursed. This cooling off period allows borrowers time to review all aspects of the equity loan.

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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!

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

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!

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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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