Debit Card with Rewards

Take your entire checking balance with you everywhere you go! With a free Visa® debit card with EMV chip technology from Texas Bank, not only is it easy to make purchases, you get rewarded for doing so!

Our debit cards offer easy access to your balance — get cash at an ATM or swipe when you check out, it’s up to you! And with our free UChoose program, you’ll earn rewards with every purchase you make when done as a credit purchase. Plus, you can get custom cards to support your local school or institution. All at no cost to you!

Summary

Enjoy Increased Security

Rest assured your account is protected. Texas Bank monitors your ATM and debit card transactions for potentially fraudulent activity. 

Check out our Security Tips to learn how you can protect yourself from fraud and identity theft.

Surcharge-Free ATMs

Texas Bank has joined Allpoint Network, which means Texas Bank customers now have access to America’s largest surcharge-free ATM network, with some 55,000 surcharge-free ATMs worldwide.

In addition to Texas Bank’s branch locations and ATMs, with Allpoint Network, Texas Bank customer will never be far away from surcharge-free ATM access to their cash, especially in the United States where Allpoint offers 43,000 cash machines in places they’re already visiting as part of their daily routine. Conveniently located in destination retail outlets including major discount retailers, convenience, grocery and pharmacy stores, Allpoint Network ATMs save customers of Texas Bank time as well as ATM fees.

allpoint-logo

How to find Allpoint Network

Texas Bank customers looking for the nearest surcharge-free Allpoint ATM—including 12,000 locations in Canada, Mexico, Puerto Rico, the United Kingdom, Australia—can do so with their smartphone using the free Allpoint Network ATM locator app. And once at the store hosting an Allpoint ATM, look for the green Allpoint logo.

Allpoint Network resources:

App Store

Google Play 

Windows Phone Store

 

About Allpoint

Allpoint Network is the largest surcharge-free ATM network with more than 55,000 ATMs in leading national and regional merchant locations across the United States, Canada, Mexico, United Kingdom and Australia. Allpoint provides greater access, convenience and savings to customers of financial institutions while providing institutions the tools to compete more effectively for customers. For more information or to find the nearest Allpoint surcharge-free ATM, please visit www.AllpointNetwork.com, like us on Facebook and follow @Allpoint on Twitter. Allpoint Network is a wholly-owned subsidiary of Cardtronics, Inc. (NASDAQ: CATM).

UChoose Rewards

Earn rewards just by using your Texas Bank Visa debit card! UChoose Rewards points are awarded to eligible accounts* when you make purchases with your Texas Bank Visa debit card. Redeem points for all kinds of rewards, including electronics, airfare, event tickets, gift cards, and more!

Read the FAQ to learn more about the program. Check point totals, view merchandise, or sign up for the program at uchooserewards.com.

Choose Rewards is absolutely free for Texas Bank cardholders with an eligible account*, so start using your card and earning points today.

FAQ

How does the program work?

You earn 1 point for every $2 you spend. Points can be redeemed for a wide variety of merchandise featured in the online rewards catalog. The website keeps track of all points earned and will help you find what you are looking for when you get ready to redeem. You can even create a wish list that will let you know when you've earned enough points for that reward. 

NOTE: You must select credit and sign for your purchases to earn points. Bill Payment transactions are not included in point accumulation.

When can I redeem UChoose points?

It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem your points. If points are not redeemed within 5 years, they will expire and cannot be used. New points will continue to accumulate.

Can I share points with family members?

All cards within an account automatically earn points together. In addition, if you have multiple debit accounts with Texas Bank you can link them together to earn rewards faster. 

How much does it cost to participate?

There's no cost. Membership in UChoose Rewards is absolutely free for Texas Bank cardholders with an eligible account*, so start using your card and earning points today.

What is an EMV or “chip” card?

EMV stands for Europay, MasterCard and Visa, a global standard for inter-operation of integrated circuit cards (IC cards or “chip cards”).

Why is my Texas Bank Debit Card being changed?

The biggest benefit of EMV is the reduction in card fraud resulting from counterfeit, lost and stolen cards. EMV chip cards contain embedded microprocessors that provide strong transaction security features and other application capabilities not possible with traditional magnetic stripe cards. EMV cards have been in use in many other countries for several years and the United States is one of the last countries to migrate to EMV.

Do I use my card in the same manner as used today?

Yes, with one exception. EMV cards must remain in the terminal card reader until the transaction is completed. Magnetic stripe cards are typically inserted into a terminal and then immediately removed. With EMV cards you will insert your card into a slot in the terminal and not remove until your transaction is completed and you are prompted by the terminal to remove your card. This is necessary so that the security features on your card are properly synchronized for future transactions.

Can I continue to use my card for both PIN verified and signature verified transactions?

Yes. Just as with a magnetic stripe card, you will continue to have that option depending on payment brand rules, issuer preference and terminal owner network preferences. Different terminal types support different cardholder verification methods. For example, attended POS devices often support both PIN and signature verification while ATMs and unattended card-activated terminals typically support PIN only. 

When will my Texas Bank Debit Card be replaced with a new card with an EMV chip?

Your card will be replaced with a new chip card as your current card expires. You can continue to use your current cards until such time as you receive a replacement card. If you are planning to travel internationally or have an immediate need for a chip card, please contact us at 903-657-1466. 

Will my card always have both an EMV chip and a magnetic stripe?

Eventually cards will be issued with only the EMV chip. This will most likely not occur for several years depending on the duration of the transition period from stripe to chip. 

Will my EMV card be accepted at all merchants and ATMs?

Your card will continue to be accepted at all merchants and ATMs that accept Visa debit cards. 

What if a merchant or ATM is not equipped to accept EMV cards?

Texas Bank cards will be issued with both an EMV chip and a magnetic stripe. This allows your card to be accepted at terminals, regions, or countries that have not deployed EMV. 

Can I still use my current card?

You can use your current card until you get your chip card. At that time, activate your new chip card and start using it. Be sure to destroy your old card by cutting it up or shredding it. 

Do I need to sign the back of the card?

Yes. You still need to sign the back of your card.

Can I use it to make purchases online or by phone?

Yes. You can use your chip card to make these purchases as you do today.

Can I use my card at an ATM?

Yes. For ATM transactions, insert your card into terminal and follow the instructions on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card and any money you might have withdrawn.

When I used my chip card, I was asked to select between “Debit” and “Visa Debit". Which one should I choose?

It is fine to select either one – your transaction will work either way.

What is the difference between chip and signature and chip and PIN?

You may be asked to provide your signature or enter your PIN to complete a transaction when you use your card. You will need to use your PIN at ATMs and it may be required at some unattended terminals such as fuel pumps and payment kiosks. 

What if my card is lost or stolen?

It's important to report a lost or stolen card immediately. Keep a record of the telephone number on the back of your card and call it if necessary. 

Will chip cards prevent data breaches?

While chip cards won't prevent the types of large-scale data breaches that have hit some merchants, they do make it extremely difficult to produce counterfeit cards from that stolen data.

Does a chip card contain more information about me that could be stolen?

No, a chip card does not contain any information about you that isn’t in your magnetic stripe cards – just your name, account number, and expiration date.

Can someone steal the information in my chip card remotely using radio waves or a “contactless reader”?

No, your chip card must be inserted into a POS terminal or ATM in order to read the chip.

CardValet

Texas Bank has partnered with CardValet which allows our customers to use their card on their terms. Some of the features of CardValet are:

  • Turn your debit card on and off
  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations
  • Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you
  • Stay informed of potential fraud with alerts on attempted, declined transactions
  • Get real-time balances for your accounts

CardValet is the mobile app that lets you control debit card usage and spending on the go! Download the app today!

App Store

Google Play





Control Spending: If you’re trying to establish or stick to a budget, CardValet can help. Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores. You can also establish these controls by location. The flexible app lets you change these parameters anytime with ease via your mobile device. Going on vacation? Holiday shopping? Simply update your transaction controls to fit your spending needs. 

Fraud Protection: A lost or stolen card is just one area of concern in today’s world where Identity theft, skimming and other attacks are an unfortunate reality. Turning your debit card off when you’re not using it helps safeguard against fraud. When your card is “off,” no withdrawals or purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas, add another layer of protection. And real-time alerts keep you informed when your card is used or declined.

Business Use: CardValet is a great tool for controlling business spending on a debit card. Use the transaction controls for merchant codes, location and thresholds to ensure employee spending adheres to your company policies.

Review Balances and Transactions: Monitor your finances from anywhere. Use the CardValet app to check your account balances.

Apple® and Android™ Pay

Use your Apple® or Android™ device to make online or in-store purchases more quickly, securely, and privately — it’s as easy as a few taps to your smartphone or tablet!

Learn more about Apple Pay and Android Pay, then enroll your Texas Bank debit or credit card in the service of your choice today.

Make purchases more easily and securely.

With these free services, your actual debit and credit card numbers are never transmitted or shared with merchants.

Instead of using your actual credit and debit card numbers for purchases, a unique “device account number” is assigned, encrypted, and securely stored. When you make a purchase, the device account number, along with a transaction-specific security code is used to process your payment.

Plus, paying is private — the cashier never sees your name, card numbers, or security code.

You’ll also continue to earn any rewards you’re eligible for when you use your Texas Bank debit or credit card with these services.

Devices compatible with Apple Pay:

  • iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, iPhone SE or later
  • Apple Watch paired with iPhone 5 or later
  • iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 or later

See details on how to set up Apple Pay on your device.

Devices compatible with Samsung//Android Pay:

  • Smart phones and tablets running Android 4.4 KitKat and above
  • Galaxy S7 edge, Galaxy S7, Galaxy S6 edge+, Galaxy S6 edge, Galaxy S6 active, Galaxy S6 and Galaxy Note5 or later

See details on how to set up Samsung/Android pay on your device.

*Texas Reward Checking Account is not eligible for UChoose Rewards