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.
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.
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.
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.
