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Protection For Your Checking Account

Overdraft Protection

Your first line of defense uses your accounts to cover overdrafts.

  • No fee applies when using a savings account or personal line of credit.
  • $5 per transaction fee applies when using a money market account.
  • Uses designated savings account or line-of-credit to pay overdrafts

To start using Overdraft Protection, log in to Online Banking or your Texans mobile app. Choose Overdraft Protection from the Transfer & Pay dropdown menu, then follow the on-screen instructions to enroll your accounts.

Courtesy Pay*

A one-time opt-in can provide an emergency backup against overdraft when there are insufficient funds available for an Overdraft transfer.

  • $35 fee for each transaction
  • May cover transactions that exceed your available balance, up to $750 (including fees)

To start using Courtesy Pay, log in to Online Banking or your Texans mobile app. Choose Courtesy Pay from the Transfer & Pay dropdown menu, then follow the on-screen instructions to enroll your accounts.

Overdraft Protection Options Comparison

Feature Overdraft Protection Courtesy Pay
Covered Items Checks you write, automatic payments deducted from your account (ie: bill payments), everyday (one-time and non-recurring) debit card transactions, and ATM transactions Checks you write and automatic payments deducted from your account (ie: bill and recurring debit card payments)
 
If you opt in the following items can be covered: Everyday (one-time and non-recurring) debit card transactions and ATM transactions
Enrollment Requirements Savings, money market or line-of-credit account in good standing None3
How does it protect you? Funds transferred from our linked Texans savings, money market or line-of-credit account to cover an overdraft Funds2 advanced by the credit union to cover an overdraft
Overdraft Limit Only limited by the available funds in your linked account or the limit of your linked line-of-credit1 Up to $750 per account (including fees) at the credit union’s discretion2
Overview Everyday protection against account overdraft Everyday protection against account overdraft
Transaction Fee $5 per transaction fee applies when using a money market account.
$0 per transaction fee applies when using a savings account or personal line of credit.
$35/Transaction 

*Any Texans Checking account becomes eligible for Courtesy Pay after it has been open and in good standing for a minimum of 30 days. Most accounts are automatically enrolled in Courtesy Pay for checks and automatic bill pays. Courtesy Pay for ATM or everyday debit card transactions must be requested through online banking or by calling us. Members under the age of 18 and Teen Checking Accounts are not eligible for this service. If a member takes any action which results in their account becoming overdrawn, Texans may, at their discretion, pay the item(s) which exceeds the available balance, as defined in the Consumer Membership Account Agreement. The maximum amount paid over the available balance on a single account is $750, including fees. If at any time, this limit has been reached, items that exceed the limit will be returned unpaid and the member will incur a charge for insufficient funds (NSF fee). Accounts are subject to closure if a negative balance remains after 10 business days.

1 Credit approval is required for a Texans Line of Credit.
2 If a member takes any action which results in their account becoming overdrawn, Texans may, at their discretion, pay the item(s) which exceeds the available balance, as defined in the Consumer Membership Account Agreement. The maximum amount paid over the available balance on a single account is $750, including fees. If at any time, this limit has been reached, items that exceed the limit will be returned unpaid and the member will incur a charge for insufficient funds (NSF fee). Accounts are subject to closure if a negative balance remains after 10 business days.
3 Any Texans Checking account becomes eligible for Courtesy Pay after it has been open and in good standing for a minimum of 30 days. Most accounts are automatically enrolled in Courtesy Pay for checks and automatic bill pays. Courtesy Pay for ATM or everyday debit card transactions must be requested through the opt-in page on our website.

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