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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 Extra Awards 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!

  • Earn Extra Awards with every purchase*
  • Free with any qualifying Texas Bank checking account
  • Features EMV chip technology
  • Get cash at any ATM
  • Safer than carrying cash
  • More widely accepted than checks
  • Make purchases in stores and online anywhere Visa® is accepted
  • Instant issue cards available
  • "Spirit" and "Community" themed cards
  • Easily replaced if lost or stolen
  • Verified by Visa available 

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.


In our continuing efforts to keep your accounts secure we have partnered with Card Fraud Center which is designed to help monitor cards and alert our customers to potential card fraud.

Here's how Card Fraud Center works:

  • When potential fraud is detected, you will receive an automatic text alert message, with the option to respond and confirm "fraud" or "no fraud".
  • If no response five minutes after the text message, you will receive an automatic email notification, which also has the option to respond and confirm "fraud" or "no fraud".
  • If there is no response received, you will then receive automatic (recorded) phone calls to confirm or deny fraud.  If fraud is confirmed or if there is a failure to authenticate your identity, you will be connected to a fraud analyst.

Remember - our messages will never ask for your PIN or account number.

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

MyCardRules 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, MyCardRules 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: MyCardRules 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 Debit Card Transactions: Monitor your Debit Card Transactions from anywhere. Use the MyCardRules app to check your Debit Card Transactions.

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 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.


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, like us on Facebook and follow @Allpoint on Twitter. Allpoint Network is a wholly-owned subsidiary of Cardtronics, Inc. (NASDAQ: CATM).

Earn rewards just by using your Texas Bank Visa debit card! Extra Award points are awarded when you make purchases with your Texas Bank Visa Debit Card when you spend as a "credit" transaction at the Point of Sale. Redeem points for all kinds of rewards, including cash, airfare, merchandise, and more!

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

Extra Awards is absolutely free for Texas Bank cardholders, so start using your card and earning points today.

How does the program work?

You earn 1 point for every $2 you spend as a "credit" transaction at the Point of Sale. Points can be redeemed for all kinds of rewards including cash, airfare, merchandise, and more! The website keeps track of all points earned and will help you find what you are looking for when you get ready to redeem. 

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 Extra Awards points?

Points are awarded daily once the eligible debit card transaction has posted to your account. If points are not redeemed within 3 years, they will expire and cannot be used. New points will continue to accumulate.

Can I share points with family members?

Points are accumulated for each card on an account. Each cardholder can only redeem points earned with their card. 

How much does it cost to participate?

There's no cost. Membership in Extra Awards is absolutely free for Texas Bank cardholders, so start using your card and earning points today.