Merger Resources

Texans Credit Union Merges With Las Colinas Credit Union

A new chapter is beginning for Las Colinas Credit Union and Texans Credit Union—one grounded in shared values, strong relationships, and a commitment to doing what’s right for our members and communities. By coming together, something truly special is taking shape—an organization that reflects the best of both credit unions and remains firmly committed to serving you. Now, we’re working hard on fully integrating our technology and operating systems, teams, and cultures to serve our members as one credit union. Our integration will be completed on May 4, 2026—the day Las Colinas members will officially become Texans Credit Union members!

To complete the full integration of our technology and operating systems, there will be a short period of temporary closures and changes for both Texans Credit Union and Las Colinas members. We encourage you to review the changes below and plan ahead.

Texans CU Downtime & Closures

Date	Texans Branches	Texans Digital Banking	Texans Call Center
Friday, 5/1	Open for business hours	Available	Open for business hours
Saturday, 5/2	Closed	Unavailable	Open for business hours
Sunday, 5/3	Closed	Unavailable	Closed
Monday, 5/4	Open for business hours	Available	Open for business hours

Las Colinas Downtime & Closures

Date	Las Colinas Branches	Las Colinas Online Banking	Las Colinas Call Center
Friday, 5/1	Closed	Unavailable	Open 9:00 am–6:00 pm
Saturday, 5/2	Closed	Unavailable	Open 9:00 am–1:00 pm
Sunday, 5/3	Closed	Unavailable	Closed
Monday, 5/4	Open with new business hours	Available	Open 8:00 am–5:00 pm

To complete the full integration of our technology and operating systems some Las Colinas services and transactions will be temporarily unavailable beginning Tuesday, April 28 through Sunday, May 3. Plan ahead for these upcoming changes by reviewing scheduled downtime.

Las Colinas Service Availability

Debit Cards

Purchases, ATM withdrawals, and recurring debit card payments will continue to process as usual.

Credit Cards

Texans CU credit cards will continue to work without interruption, including recurring payments.

ATM Access

ATM withdrawals will remain available. Standard surcharge fees may apply at non-LCFCU ATMs.

Las Colinas Transaction Availability

Date	Direct Deposit & Electronic Payments	Recurring Payments set up by LCFCU	Online Banking Transfers	Mobile Deposit	Bill Pay
Tue. 4/28	Posts as usual	Posts as usual	Available until 5:00 pm	Available until 5:00 pm	Available until 5:00 pm
Wed. 4/29	Posts as usual	Posts as usual	Unavailable; Scheduled transfers post as usual	Unavailable	Unavailable; Scheduled payments sent as usual
Thu. 4/30	Posts until 5:00 pm	Posts until 5:00 pm	Unavailable; Scheduled transfers post as usual	Unavailable	Unavailable; Scheduled payments sent as usual
Fri. 5/1	No posting	No posting	Unavailable; No posting	Unavailable	Unavailable; Scheduled payments sent as usual
Sat. 5/2	No posting	No posting	Unavailable; no posting	Unavailable	Unavailable
Sun. 5/3	No posting	No posting	Unavailable; no posting	Unavailable	Unavailable
Mon. 5/4	Available; All post by 12:00 pm	Available; All post by 12:00 pm	Available; All post by 12:00 pm	Available by 12:00 pm	Available; All post by 12:00 pm

Loan Payment Availability

The ability to make loan payments will be temporarily unavailable beginning at 5:00 pm CT on Thursday, April 30 through Sunday, May 3, while we work on integrating our systems. If you have a loan payment due during this timeframe, we encourage you to make your payment by 5:00 pm CT on April 30, if able.

Loan Payment Changes

Great news—there will be no changes to your loan number, loan rate, or payment due date. Following the completion of the merger on May 4th, you will begin making your loan payments with Texans Credit Union. While Message Pay will no longer be an available option, Texans offers a variety of convenient loan payment options to make your auto loan, home equity loan, personal loan, and line of credit payments by account transfer (ACH) or debit card.

Explore Payment Options

Mortgage Payment Changes

Your mortgage payment method will vary based on your loan servicer. Please refer to the payment instructions provided in your loan servicer packet for your specific payment instructions. Please note that mortgage payments will no longer be accepted in-branch.

Third-Party Servicers: If your mortgage is managed by a third-party servicer, please find your servicer below and use the relevant link to login and make your payment.

FocusOne Login

Servion Login

PNC Login

Setting Up Your New Digital Banking Account

Beginning May 4, 2026, you will use Texans Digital Banking and the Texans CU mobile app to access your accounts. To set up your new Digital Banking account, follow the steps below.

1. Access Digital Banking

2. Accept Disclosure & Confirm Identity

Select Create New Password and accept the Terms and Conditions, then confirm your identity. You will need to enter your Las Colinas username and Social Security Number (SSN) to validate your identity.

3. Verify & Set Password

A one-time verification code will be sent to your mobile phone or email address. Enter the verification code when prompted. You will then be prompted to create a new password.

4. Login & Access Your Accounts

When you log in for the first time, you'll need to accept the Digital Banking Terms and Conditions, then you're all set! You can view your accounts and start exploring everything Texans Digital Banking has to offer!

Download the Texans CU Mobile App

Make sure to download the Texans CU mobile app to access your accounts on the go!

View of accounts on Texans CU mobile app

General Merger FAQs

Texans Credit Union (CU) and Las Colinas Federal Credit Union (FCU) complement each other’s strengths. By combining forces, merging into one entity, we can provide even more to members and make a powerful impact in our communities. We’ll also be able to provide greater conveniences with more locations, additional account options and services, and more opportunities for our employees.

Not at all! Both Las Colinas and Texans CU collaborated, and Las Colinas members voted ”yes” to authorize this strategic partnership by merger to become one credit union. We believe we’re stronger together.

All the team members that have served you faithfully will continue to do so! There will be no job losses or layoffs as a part of this partnership. Las Colinas members will also get to meet new smiling faces from Texans CU as we join forces.

Yes. Las Colinas will continue under Texans Credit Union’s brand to signify our dedication and service to more Texas communities as we grow together.

Absolutely! There will not be a change to your protected funds. Both credit unions are administered by the National Credit Union Administration (NCUA), and your deposits will continue to be federally insured up to regulatory limits.

Texans Credit Union offers new digital services like Zelle, Instant Payments, and a full-service Card Manager to customize debit and credit card alerts, spending limits, and controls. Texans CU also offers a full suite of accounts, loans, and credit cards. Once the combination of institutions is complete, Las Colinas members will have access to all 11 Texans CU branches, as well as expanded member service hours.

You will become an official member of Texans CU on May 4, 2026, following our integration.

1. Ensure your contact information is up to date. As we approach the merger weekend, Texans CU will be communicating important information and any changes that may impact you via email, postal mail, and text. Ensuring your email address, mailing address, and phone number are accurate is the best way to make sure you receive all of the information you need.

2. Plan ahead for temporary closures and service disruptions while we complete our systems integration between May 1 and May 3, 2026. Please note that transfers and payments in Online Banking will no longer be available as of 5:00 pm CT on April 28, 2026.

3. Download prior e-Statements and tax documents from your LCFCU Online Banking account by 5:00 pm CT on April 30, 2026.

4. Save your member number and Online Banking username and password. You’ll need them later to set up your Texans Digital Banking account.

Merger Weekend FAQs

Yes. To complete the merger, there will be a period of downtime over the merger weekend, beginning Thursday, April 30th at 5:00 pm CT through Sunday, May 3rd. We encourage you to review merger weekend closures, service availability, and timelines in advance to prepare for temporary changes.

Yes. To complete the merger, all Las Colinas FCU branches will be closed on Friday, May 1st and Saturday, May 2nd. Las Colinas FCU ATMs will remain available for use during this time. Regular branch business hours will resume on Monday, May 4th at 9:00 am CT.

Las Colinas FCU Online Banking and mobile app access will be deactivated on Thursday, April 30, at 5:00 PM CT. Beginning Monday, May 4th, you will need to begin using Texans Digital Banking and the Texans CU mobile app to perform transactions and manage your accounts.

The Las Colinas FCU Member Connect Call Center will remain open Friday, May 1st from 8:00 am to 5:00 pm CT and Saturday, May 2nd from 9:00 am to 1:00 pm CT to answer any questions you may have. However, Member Connect representatives will not be able to provide any specific account assistance or information.

No. All Las Colinas FCU branches will be closed on Friday, May 1st and Saturday, May 2nd during the merger weekend. On Monday, May 4th, Las Colinas FCU branches will re-open and members will also be able to visit Texans CU branches.

Las Colinas FCU call center representatives will be available during this time to answer account balance and transaction questions (based on your account data as of Thursday, April 30th at 11:59 pm CT), offer debit and credit card and digital banking guidance, and to assist with any urgent service issues.

Yes. During the merger weekend, Las Colinas FCU call center representatives will be available during regular business hours for account balance and transaction questions (based on account data as of Thursday, April 30th at 11:59 pm CT), debit and credit card and digital banking guidance, and to assist with any urgent service issues.. After the weekend, calls will be routed Texans’ Member Connect call center.

You will have access to your funds through debit card, credit card and ATM transactions during the merger weekend. Keep in mind any deposits, withdrawals, or transactions made between 5:00 pm CT on Thursday, April 30th and 11:59 pm CT on Sunday, May 3rd will post to your account(s) by Monday, May 4th no later than 12:00 pm CT.

Some transaction services will be temporarily unavailable during the system integration. Please refer to the Transaction Availability chart for information on when common services are available in Online Banking and when certain transactions will post to your account. All scheduled, recurring, and automatic transaction scheduled for a date when no posting occurs will post to your account on Monday, May 4th, no later than 12:00 pm CT.

Yes. Your Texans credit card will continue to work and any recurring credit card payments will process as usual during the merger weekend, from Friday, May 1st through Sunday, May 3rd.

Yes. Your Las Colinas FCU debit cards will continue to work and any recurring debit card payments will process as usual during the merger weekend, from Friday, May 1st through Sunday, May 3rd. On Monday, May 4th, you will need to activate and begin using your new Texans CU debit card.

You will be able to make cash withdrawals at any ATM. Please note that the Las Colinas ATM located at 555 Cimarron Trail in Irving will be temporarily unavailable Friday, May 1–Sunday, May 3.

No. Your Las Colinas Online Banking and mobile app access will be deactivated on Thursday, April 30, at 5:00 PM CT. Please ensure that you have downloaded any necessary transaction history by 5:00 pm on Thursday, April 30, 2026.

Beginning Monday, May 4th, you will need to create a Texans CU Digital Banking account and begin using Texans Digital Banking and the Texans CU mobile app to perform transactions and manage your accounts.

Account Related FAQs

No, your member number and account numbers will stay the same. If there are any special circumstances, you will be contacted directly by Las Colinas FCU team members. Beginning May 4th, you can view all of your member and account numbers in My Texans Hub, located within Texans Digital Banking.

Yes, your routing number will change to Texans CU’s routing number. Texans CU’s routing number is 311987786.

If you have a Las Colinas FCU Basic Savings, Special Savings, or Starting Over Savings account, your account will transition to a comparable Texans CU savings account. You can view your new Texans account in Digital Banking beginning May 4.

There will be no changes to the Holiday Club Savings or Star Savers Youth Savings accounts.

If you have a Las Colinas FCU Regular Checking, Senior Checking, E-Checking, Unconditional Checking, or GEM Club Checking account, your account will transition to a comparable Texans CU checking account. You can view your new Texans account in Digital Banking beginning May 4.

There will be no changes to the Premier Checking or Galaxy Club Checking accounts.

There will be no immediate changes to Las Colinas FCU Certificate of Deposit accounts; however, if you have a Las Colinas Term Share Certificate, IRA Certificate, Freedom Certificate, or Save to Win Certificate account, your account will transition to a comparable Texans CU certificate account at the time of account maturity.

There will be no changes to the Youth 12 Month CD

Yes. All Las Colinas FCU Money Market accounts will be transitioned into Texans Money Market accounts. You can view your new Texans account in Digital Banking beginning May 4.

Great news – Texans CU Money Market accounts currently offer higher interest rates than Las Colinas Money Market accounts on all tiers, so you’ll earn more on your money as a Texan.

View current Texans CU Money Market account rates and tiers

Yes. All Las Colinas FCU IRA accounts will be transitioned into Texans CU IRA accounts. There will be no changes to your account functionality or dividend rate; however, you will no longer be able to make ACH deposits to your IRA account.

All Las Colinas FCU Estate and Trust accounts will be transitioned into Texans CU Estate and Trust accounts, respectively. There will be no changes to your account functionality.

Las Colinas FCU Business Memberships will transition into Texans Business Checking and Savings accounts. If your business account is a Las Colinas FCU Non-Profit Account your account will transition into a Texans Non-Profit Checking Account with Texans Business Savings.

Texans CU will be waiving our regular monthly service fees on our Texans Business Checking and Texans Non-Profit Checking accounts, so that you will continue to enjoy these services with no monthly service fees.

If your account is being transitioned into a Texans Business Checking or Texans Non-Profit Checking account, you will receive a new debit card for your new account. You will have a new debit card number, expiration date and CVV code.

No. Direct deposits previously set up using your Las Colinas FCU account and routing number will post as usual to your Texans account. Direct deposits are made available to Texans Credit Union members up to two days early.

If your recurring ACH transaction was set up through a merchant (i.e. electric provider, subscription service, etc.) or through Las Colinas FCU Online Banking you do not need to make any changes. Your recurring payment will continue to process as usual.

Yes. After the merger, you will have access to your prior account history in Texans Digital Banking; however, you will not have access to your prior e-Statements or tax documents. We encourage you to download and save any e-Statements and tax documents you may need from your Las Colinas FCU Online Banking account by 5:00 pm CT on April 30, 2026.

Yes, you will be able to use your current checks after the merger. If you would like to order new Texans CU checks, you can do so through Texans CU Digital Banking by selecting Reorder Checks from the Tools dropdown menu, then following the prompts to complete your order. Be sure to log in to Digital Banking online, as this feature is not available in the mobile app.

Debit Card FAQs

Yes, you will receive a new debit card for your new Texans CU checking account. You will have a new debit card number, expiration date and CVV code.

Your Las Colinas FCU debit card will no longer work as of Monday, May 4, 2026. You will need to activate your new Texans CU debit card and begin using it on May 4th. Keep in mind that you will need to update your debit card information with any merchants (i.e. electric provider, subscription service, etc.) that have your card information on file for payment after activation.

You will need to establish a PIN for your new Texans CU debit card at the time of card activation. You may choose to use your previous PIN or create a new PIN.

Your new debit card daily limit will be $2,500 in May. Beginning in June, your debit card daily limit will be based on your monthly direct deposit amount (or 90-day average balance) and your number of debit card transactions. The more you use your account, the higher your debit card daily limit!

Yes. Recurring debit card payments will not transfer automatically to the new card numbers after the merger. You will need to reestablish any recurring debit card payments you have set up with the merchants once you receive and activate your new Texans debit card.

Texans makes managing your debit card easy with Card Manager, a powerful digital tool that lets you manage your cards anytime, anywhere in Digital Banking and the Texans CU mobile app. With Card Manager, you can set real-time account alerts, spending limits, and turn your card on and off. You’ll also enjoy access to personalized spending insights, advanced controls, and self-service options to create the card experience that’s right for you.

Learn more about Card Manager

Your Texans CU debit card comes equipped with contactless, tap to pay technology and is compatible with Apple Pay, Google Pay, and Samsung Pay to make checkout fast, easy, and secure.

Your Texans Visa debit card also gives you access to great benefits, including Cellular Telephone Protection in the case that your cell phone is stolen or damaged, free credit monitoring and dispute management with Dovly Uplift, and Roadside Dispatch.®

Learn more about debit card benefits

Yes! Starting Monday, May 4th, you can customize your new Texans debit card with your favorite photo using the Texans Debit Card Design Studio in Digital Banking. All you’ll need to get started is your new Texans debit card number and a Texans Digital Banking account.

Learn more about debit card customization

Credit Card FAQs

Yes, you should have already received and activated your new Texans credit card. If you have not yet activated your credit card, please follow the activation instructions included with your card to begin using it immediately.

If you have not received your new Texans credit card, please reach out to our Member Connect Call Center at 972.348.2000.

If you’re approved, you should receive your Texans credit card, credit limit information, and welcome materials by mail within approximately 7 to 10 business days.

No. Your credit card limit and rate will remain the same.

Yes. Beginning in May, your Texans CU credit card due date will fall on the 20th of each month.

There will be no change. You will make your last Las Colinas FCU credit card payment using the same method by which you have made your previous credit card payments.

Yes. Recurring credit card payments set up with your Las Colinas FCU credit card will not transfer automatically to the new card numbers. You will need to reestablish any recurring credit card payments you have set up with the merchants once you receive and activate your new Texans credit card.

Prior to the full completion of the merger on May 4, 2026, contact the Texans CU Member Connect team at 972.348.2000 for assistance with your new Texans CU credit card. Our representatives will be able to assist you with account balance, credit limit, and transaction questions, lost or stolen cards, and fraudulent activity.

Beginning May 4th, you’ll have access to Card Manager, a powerful digital tool that lets you manage your cards anytime, anywhere in Digital Banking and the Texans CU mobile app. With Card Manager, you can set real-time account alerts, spending limits, and turn your card on and off. You’ll also enjoy access to personalized spending insights, advanced controls, and self-service options to create the card experience that’s right for you.

Learn more about Card Manager

Your Texans CU credit card comes equipped with contactless, tap to pay technology and is compatible with Apple Pay, Google Pay, and Samsung Pay to make checkout fast, easy, and secure. Even better, Texans CU credit cards have no annual fees, no balance transfer fees, no cash advance fees, and your card is backed by Visa’s Zero Liability policy.

All Texans Visa credit cards also give you access to great benefits, including Cellular Telephone Protection in the case that your cell phone is stolen or damaged, free credit monitoring and dispute management with Dovly Uplift, and Roadside Dispatch.®

Branch & ATM FAQs

Las Colinas FCU members can visit Texans CU branches and utilize Texans ATMs for their Texans accounts beginning May 4, 2026.

Las Colinas FCU branches will be updated with new branding and technology to mirror Texans CU branches.

Beginning May 4th, the Las Colinas FCU Valley Ranch branch hours will be updated to reflect Texans CU’s branch hours. There will be no changes to the Las Colinas North Dallas or R3 – Lewisville branch hours.

Texans CU has 11 branches across the DFW metroplex located in Allen, Carrollton, Dallas, Frisco, Garland, McKinney, Plano, Richardson, and Wylie. For detailed branch information, including addresses, phone numbers, and branch services, visit our Locations page.

In addition to Texans CU ATMs located across the DFW metroplex, Texans members have access to over 80,000 surcharge-free ATMs through the Allpoint and CO-OP partner networks. To find a surcharge-free ATM near you, use our easy ATM Locator map.

Yes. Beginning May 4th you will be able to access your Texans accounts at credit union locations in all 50 states through the CO-OP Shared Branching network. To find a credit union that participates in the Shared Branching network, visit our Locations page to access the CO-OP Shared Branch locator.

Member Connect Call Center FAQs

The Texans CU Member Connect call center is available Mondays–Thursdays from 8:00 am–5:00 pm, Fridays from 8:00 am–6:00 pm, and Saturdays from 9:00 am–1:00 pm. Representatives are available during these hours via phone, text, and online chat.

Beginning May 4th, you can contact Texans CU Member Connect representatives by phone at 972.348.2000 (toll‑free 800.843.5295), by text 972.348.2045, or through online chat on our website. We’re here to help and are always happy to hear from you!

Beginning May 4th, the Member Connect call center will be available to assist with general account support such as balances and transactions, wires and dispute processes, digital banking help, account transfers and payments, and routing you to the right specialist when needed.

Chip is Texans’ virtual voice and chat assistant—available by phone and through online chat on our website. Chip greets callers on our main lines and provides quick answers and assistance or hands-off requests to a human when the request is more complex. Chip is available 24/7, even on holidays, giving you round the clock service. Chip can also transfer you to a live representative during business hours—just say “Agent” or “Representative” to speak with a live team member.

Yes! Chip provides 24/7 account assistance, including checking balances and recent transactions, moving money between Texans accounts, checking payment due dates, and more. For your security, Chip will authenticate you before providing any account assistance. To complete authentication, you’ll need to provide your member number, Social Security Number (SSN), and a one-time passcode that will be sent to the mobile phone number on file.