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Accounts

Checking

Share Draft Checking

Unlock Financial Freedom with Free Checking! Say goodbye to minimum balance stress and direct deposit demands. At Texas Plains Federal Credit Union, our checking is totally free – including online banking, teller transactions, and unlimited check writing.

Want even more? Keep $500 in your account and enjoy competitive dividends, compounded monthly. It's the easy, rewarding way to manage your money.

Teen Share Draft Account

Designed for young members aged 14 to 17, the Teen Share Draft Account helps teens learn financial responsibility with the guidance of a parent or legal guardian.

Key Features:

Easy to Open: Start with no minimum deposit.
Earn as You Save: Accounts maintaining a minimum balance earn monthly dividends based on the average daily balance.
Debit Card Access: Teens can get a debit card with parental or legal guardian consent, making everyday purchases convenient. (Parents/guardians do not receive a debit card for this account).
Overdraft Protection: While teen accounts don't have overdraft courtesy, they can be linked to a parent's or legal guardian's account for overdraft protection, providing peace of mind.
Monthly Statements: Keep track of spending and savings with monthly mailed statements.

Debit Cards

Get a VISA™ Debit Card FREE with your checking account. It looks like a VISA™, and works like a check. Use it anywhere VISA™ is accepted for purchases or cash.

VISA™ Debit Card is a convenient and safe way to pay for purchases, even online.

With a VISA™ Debit Card, you can purchase what you want, when and where you want it.

Using your debit card is faster than a trip to the bank, more convenient than writing checks, and safer than carrying cash. With your VISA™ Debit Card, shopping at home, online or at locations around the world has never been easier.

When you use your VISA™ Debit Card, the payment is automatically debited directly from your bank account. Your monthly bank statement provides you with a record of all your VISA™ Debit Card purchases.

Community Debit Card

Texas Plains Federal is proud to give our members an opportunity to give back to the community. When you swipe your Community Debit Card on a signature (credit) transaction, we’ll donate a percentage to a charitable organization at no cost to you!

Contact our staff today to find out more!

Card Activation

For card activation call 1-855-726-4885. You must call from your primary phone number and provide the last 4 digits of your SSN.

To change your PIN call 1-855-726-4885. The current PIN must be input prior to being able to select a new PIN.

Lost or Stolen Card

What to do when you lose your debit card:

Call the Credit Union as soon as you realize that it is missing - 806-373-6641.

If it is after hours or on the weekend: Call the customer service number for Transfund (our Card Processor) at 1-888-263-3370 and they will be glad to assist you. They can locate your card number by your social security number and date of birth.

They will review recent transactions and cancel your card if necessary. It is very important to report a lost or stolen card immediately to avoid fraud and possible monetary responsibility for untimely reporting.

If there is fraud you will need to request an affidavit from the credit union. Please fill this out quickly and return it so that charge back rights can be enforced.

Mobile Pay

Tap, Pay, Go: Effortless Mobile Payments with Texas Plains Federal

Imagine a world where your wallet is no longer a bulky necessity, but a sleek extension of your phone. A world where checkout lines are a breeze, and security is never compromised. Welcome to the future of payments, available today at Texas Plains Federal! Our mobile pay options, including Apple Pay, Google Pay, and Samsung Pay, empower you to leave your cards at home and embrace the effortless convenience of tapping your phone to pay.

Secure & Convenient: Leave your cards at home and pay with just your phone. Our mobile pay options use advanced encryption and tokenization to protect your financial data.
Accepted Everywhere: Shop at your favorite stores, online or in-person, and enjoy the convenience of contactless payments. No more fumbling for cash or cards.
Faster Checkout: Tap your phone and go. Mobile payments are processed in seconds, making your checkout experience smooth and hassle-free.
Works with Your Existing Accounts: Simply add your Texas Plains Federal debit or credit card to your mobile wallet and start enjoying the benefits of mobile pay today.

Setup

Below, you will find links to instructions on how to add your card for each platform. We recommend you check with Apple, Google, and Samsung on the proper way to add your card to your device.

Overdraft Coverage

Accounts will be charged the standard Overdraft fee of $20.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $20.00 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to Texas Plains Federal Credit Union or if your account is subject to any legal or administrative order or levy.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at
806-373-6641 or visit your local branch.

Download, print, and fill out your Extended Coverage Form

What Else Should You Know

A link to another account or line of credit may be less expensive than an overdraft. A single larger overdraft will result in one fee, instead of multiple smaller overdrafts. Use our mobile and internet services to track your balance. For financial education resources, please visit www.mymoney.gov.

The $20 Overdraft Fee that is charged if you overdraw your account is the same fee that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Overdraft Fee or a Return Item Fee of $20. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn more than the Overdraft Privilege limit amount because of a fee.

Recipients of federal or state benefits payments who do not wish us to deduct the amount overdrawn and the Overdraft Fee from funds that you deposit or that are deposited into your account may call us at 806-373-6641 to discontinue Overdraft Privilege.

If an item is returned because the Available Balance (as defined below) in your account is not sufficient to cover the item and the item is presented for payment again, Texas Plains Federal Credit Union (“We”) will charge a Return Item Fee each time it returns the item because it exceeds the Available Balance in your account. Because we may charge a Return Item Fee each time an item is presented, we may charge you more than one fee for any given item as a result of a returned item and representment of the item. When we charge a Return Item Fee, the charge reduces the Available Balance in your account and may put your account into (or further into) overdraft. If, on representment of the item, the Available Balance in your account is sufficient to cover the item we may pay the item, and, if payment causes an overdraft, charge an Overdraft Fee.

For consumer accounts, there is no limit on the total Overdraft Fees per day we will charge.

This describes the posting order for purposes of determining overdrafts. Our general policy is to post items throughout the day and to post credits before debits. Paper checks are posted lowest to highest dollar amount, while ATM, ACH and debit card transactions are posted in the order in which the items are received. However, because of the many ways we allow you to access your account, the posting order of individual items may differ from these general policies. Holds on funds (described herein) and the order in which transactions are posted may impact the total amount of Overdraft Fees or Return Item Fees assessed.

Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.

Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Membership Agreement. The total (negative) balance, including all fees and charges, is due and payable upon demand.

We may be obligated to pay some debit card transactions that are not authorized through the payment system but which we are required to pay due to the payment system rules, and as a result you may incur fees if such transactions overdraw your account. However, we will not authorize debit card or ATM transactions unless your account’s Available Balance (including Overdraft Coverage Options) is sufficient to cover the transactions and any fee(s).

Giving us your consent to pay everyday debit card and ATM overdrafts on your consumer account (Extended Coverage) may result in you incurring Overdraft Fees for transactions that we would otherwise be required to pay without assessing an Overdraft Fee. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege. If you consent to Extended Coverage on your consumer account, it will remain on your account until it is otherwise withdrawn.

Understanding your Available Balance

Your account has two kinds of balances: the Ledger Balance and the Available Balance.

We authorize and pay transactions using the Available Balance.

Your Ledger Balance reflects the full amount of all deposits to your account as well as payment transactions that have been posted to your account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending.

Your Available Balance is the amount available to you to use for purchases, withdrawals, or to cover transactions. The Available Balance is your Ledger Balance, less any holds due to pending debit card transactions and holds on deposited funds.

The balance used for authorizing checks, ACH items, and recurring debit card transactions is your Available Balance plus the amount of the Overdraft Privilege limit and any available Overdraft Protection.

The balance used for authorizing ATM and everyday debit card transactions on accounts with Standard Coverage is your Available Balance plus any available Overdraft Protection but does NOT include the Overdraft Privilege limit.

The balance used for authorizing ATM and everyday debit card transactions on accounts with Extended Coverage is your Available Balance plus any available Overdraft Protection and includes the Overdraft Privilege limit.

Because your Available Balance reflects pending transactions and debit holds, your balance may appear to cover a transaction but later upon settlement it may not be sufficient to cover such transaction. In such cases, the transaction may further overdraw your account and be subject to additional overdraft fees. You should assume that any item which would overdraw your account based on your Available Balance may create an overdraft. Note that we may place a hold on deposited funds in accordance with our Deposit Account Agreement and Disclosure, which will reduce the amount in your Available Balance.

Please be aware that the Overdraft Privilege amount is not included in your Available Balance provided through online banking, mobile banking or ATMs.

We will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction. When the hold ends, the funds will be added to the Available Balance in your account. If your account is overdrawn after the held funds are added to the Available Balance and the transaction is posted to the Available Balance, an Overdraft Fee may be assessed.

Except as described herein, we will not pay items if the Available Balance in your account (including the Overdraft Privilege limit, if applicable) is not sufficient to cover the item(s) and the amount of any fee(s).

Understanding Overdraft Privilege Limits

New consumer checking accounts will receive a $50 Introductory Overdraft Privilege limit at account opening. After 35 days the Overdraft Privilege limit may be increased up to $500 with deposits totaling at least $500 a month.

Overdraft Privilege may be suspended if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days. You must bring your account balance positive to have the full Overdraft Privilege limit reinstated.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at
806-373-6641 or visit your local branch.

Surcharge Free ATM Locations

Texas Plains Federal is happy to provide our members with a variety of surcharge free ATM locations. Read below to find an ATM near you!

MoneyPass

We have partnered with MoneyPass to give our members the most flexibility when it comes to finding a surcharge free ATM in literally thousands of locations across the country. Local MoneyPass locations include but are not limited to Happy State, First United, and Firstbank Southwest branch locations; select Sam's Club and Walmart locations; and many more! Click the MoneyPass logo to go to their ATM locator. There is also a MoneyPass Locator app for your iPhone or Android device.