Most Texans Checking Accounts automatically have Courtesy Pay for checks, Bill Pay payments, 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 giving us a call at 972.348.2000. Please allow up to two (2) business days for your Courtesy Pay preferences to be updated, from receipt of request.