Are my deposit accounts FDIC insured?
Yes! Each individual customer’s account is insured by the FDIC up to $250,000 per account.
What are the current guidelines for Temporary FDIC Insurance Coverage for Transaction Accounts?
How do I set up Direct Deposit of my payroll check?
After your checking application has been approved, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.
How do I set up Direct Deposit of my Social Security check?
After your checking application has been approved, you will receive our routing and transit number and your account number. Simply contact us, and have your Social Security Number and account information available to set up your direct deposit right over the phone.
Can I get information about my account by phone?
Yes! Account information is available with our Customer Service Representatives during business hours at 972-720-9000.
What products can I apply for online?
We have a variety of business and personal accounts. Check out our Products & Services page to see which accounts you can apply for online.
Is interest paid on my checking account?
Yes! If you want a checking account that pays a market rate of interest, check out our T Plus Checking account.
Can I open an account if I don’t live in the United States? What if I live in the United States but am not a citizen yet?
At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We’d like to hear from you.
Can I do all of my banking with you?
Yes! Thanks to the convenience of Direct Deposit and Remote Deposit Capture, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.
Can I look at my transactions at any time?
Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!
How frequently is my information updated?
Your account information is updated every business day with new transactions that posted to your account the previous day.
Are wire transfers possible to and from my checking account?
Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.
How do I make a deposit to my account from a remote location?
You can do most of your banking by using direct deposit, Remote Deposit Capture or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that’s best for you.
When do I have access to use Internet Banking?
With Online Banking, you have access to your account information 24 hours a day, 7 days a week!
Do I need a special computer or operating system?
PCs must be running either the Windows XP or later operating system. Apple Mac OS is also fully supported.
Do I need special software to scan my checks?
You must have Adobe Acrobat Reader version 8.0 or higher and the latest version of the Java plug-in. You’ll find the Adobe reader at http://www.adobe.com/downloads/ and Java at http://www.java.com/.
Which web browsers can I use?
What type of internet connectivity do I need?
Do I need a special scanner to scan my checks?
Can pop-up blockers affect my ability to use Xpress Deposit Capture?
Who is eligible for Xpress Deposit Capture (XDC)?
- Must have a T Bank checking, money market, or savings account
- Must be a registered user of T Bank online banking
How do I sign up?
Are there any limits on the dollar amount and number of deposits I can scan in a day?
Do I scan the front and back of my check?
Do I need to sign the back of my check?
When will my deposit be posted?
How will I know if you received my deposit?
Can I scan more than one check at a time?
What if my image of the check I scanned is bad?
Do I destroy my check after I scan and send it to you?
Can I scan a money order?
Can I scan a counter check?
Can I scan a third party check?
Can I scan a foreign check/item?
Can I scan a 941 Tax Deposit?
Can I scan a US Savings Bond?
Can I deposit a post-dated check?
How long does the system retain my check and report information?
What if I need additional help?
What is Internet Banking?
What can I do with Internet Banking?
Is any of my personal information stored in the Internet Banking product?
How current is my banking information?
What accounts will I be able to access through Internet Banking?
How much account information can I view at once?
Can I view my account details in more than one way?
What formats can I download my transaction history in?
Can I schedule future transfers?
When can I use Internet Banking services?
Is there a demo available for me to try?
How long can I be inactive before being logged out of the Internet Banking product?
What is required to use the Internet Banking service?
How do I access Internet Banking?
Can I create my own password that is easy for me to remember?
What happens if I forget or lose my password?
Is T Bank affected by the “Heartbleed” OpenSSL vulnerability and is my online banking account protected?
What is an e-bill?
How does electronic billing work with Web Bill Pay?
Is an e-bill the same as a mailed bill statement or invoice?
How do I receive e-bills?
How long does it take to receive e-bills from a payee?
How do I know when I receive a new e-bill?
Will I still receive a paper copy of the bill through U.S. mail?
Can I store or view paid e-bills?
How do I pay e-bills?
Can I pay e-bills outside of Web Bill Pay?
Can I make more than one e-bill payment at the same time (can I combine payments going to the same payee)?
Can I pay someone else’s e-bills?
How do I request e-bills from one of my payees?
What if my request for e-bills is rejected?
- You can try to request e-bills again and make sure to enter your information (especially your account number) completely and accurately.
- You can contact the payee to see if they can help you understand why they cannot send you e-bills. For example, some payees cannot send e-bills to customers in certain areas of the country.
What happens if I delete a payee who sends me e-bills?
How can I stop receiving e-bills from a payee?
I chose to stop receiving paper bills from a payee and now I want to start getting my bills mailed to me again. How do I do that?
I want to stop being prompted to only receive e-bills and not receive paper bills every time I pay an e-bill. How do I do that?
- When you are in the process of paying an e-bill, you can answer Yes to the questions to stop receiving paper bills.
- You can change the settings for the payee. Go to Payee Setup, select the name of the payee you want to change, and look in the Stop Receiving Paper Bills section for the available options.
What happens if I choose to stop receiving paper bills?
The amount for an e-bill seems incorrect. What should I do?
My e-bill is late. What should I do?
What do I do if the payee has not received or credited my payment?
- Wait five days after the scheduled payment date to see if the payee credits the payment to your account.
- If the payment is not applied to your account, call the payee’s customer service department to see if they received the payment and credited your account.
- When you call, gather the following information from the payee:
- The name of the person who assisted you with your payment question.
- The phone number you called to contact the payee.The date you called the payee to inquire about your payment.
- The amount of any late fees or finance charges assessed.
- If you have received a late fee but scheduled your payment on time, ask the payee if they will waive any late fees or finance charges.
- If the payment is not credited to your account or if the payee will not waive late fees, find the payment in Payment Activity. Click View in the Payment column to access the Payment Activity – View Payment page. Then click Inquire about this payment… to send us a message that includes the information you gathered from the payee.
What do I do if I receive a late fee for a payment?
- Call the payee’s customer service department.
- When you call, gather the following information:
- The name of the person who assisted you with your payment question.
- The phone number you called to contact the payee.
- The date you called the payee to inquire about the late fees.
- The amount of any late fees or finance charges assessed.
- Ask the payee to waive any fees or finance charges.
- If the payee will not waive the fees or charges, find the payment in Payment Activity. Click View in the Payment column to access the Payment Activity – View Payment page. Then click Inquire about this payment… to send us a message that includes the information you gathered from the payee.
How can I confirm that a payment has been made?
How do I cancel a payment?
What do I do if a payment failed?
Failed is a status that appears in Payment Activity if a payee returns one of your bill payments to us. The payee may have returned the payment because the information you provided when you added or updated the payee in your payee list wasn’t sufficient for the payee to credit your account. You may consider making the payment by other means if it is close to the bill’s actual due date.
- Go to Payment Activity and find the failed payment.
- Click Inquire. The Payment Activity – Payment Inquiry page opens. Use this page to tell us more about the problem with the payment.
- Complete all of the boxes
- .Click Send. Your message is sent.
- Click Close. The Payment Activity page opens
- .Check Messages in three to four business days for a reply.
- If you are concerned about meeting the payment’s actual due date, send the payment by check in the meantime.
How do I change a payment?
How do I know what the status of my payment is?
- Scheduled indicates that the payment is scheduled to be made.
- In Process indicates that the payment is now being processed and cannot be changed or canceled. Payments can start processing two to four days before the scheduled due date. Depending on the way the payment is processed, this status may not appear on the Payment Activity page.
- Processed indicates that the payment date has arrived. Normally, the payee receives the payment on the due date. Keep in mind that the payee may take a few days to credit your account.
- Canceled indicates that you canceled the scheduled payment.
- Failed indicates that the payment was returned to us either because there was a problem when Web Bill Pay tried to withdraw the payment from your payment account or because the account information sent with your payment was not enough for us to credit your account. This status can also occur when the payment account associated with the payment has been closed.
How does a payee receive my money?
What is printed on the paper checks you send?
- Your name
- Payee name
- Payee account number
- Payment amount
- Payment date
When does a payee receive my payment?
When is the money for the payment drawn from my payment account?
Can I make payments from more than one payment account?
Can I make international payments?
How far in advance of the due date should I schedule my payments?
What is the earliest payment date I can schedule for a payment?
Why do you need four days to process a payment?
What do I do with the part of the mailed bill statement that I used to mail back with my payment?
How do payments show up on my payment account statement?
Are repeating payments scheduled automatically?
Can I pay e-bills automatically?
What is a payee?
Who can I pay using my bill payment service?
- State and federal tax payments
- Court-ordered payments
Do I need to contact the payees I decide to pay with Web Bill Pay?
Can I add the same payee to my payee list more than once?
How do I find out if my payee sends e-bills?
- When you add a payee that is e-bill-capable, Web Bill Pay will automatically ask you if you want to receive e-bills. You can also click a link on the Payee Setup – Add Payee page to view a list of all payees that can send e-bills.
- If a payee you have added to your payee list can send e-bills, the Sign Up link appears in the E-bills column on the Payee Setup – Payee List page. Click this link to request e-bills.
What is Auto-Pay?
Why can’t I use Auto-Pay to pay all payees?
How do I turn on Auto-Pay?
What happens if the amount due for an e-bill exceeds the maximum amount automatically paid?
How do I change the maximum amount automatically paid for an Auto-Pay payment?
Why was my e-bill paid late?
How do I download my payment activity for use in programs like Quicken or Money?
- You cannot generate an import file for all of your payment accounts at the same time. (If you have more than one payment account set up, select one account in the Payment Account Search section and click Search to display the payments for that account.)
- Only information about scheduled, in process, and processed payments is exported.
- You can generate an import file for:
- Quicken versions ’99 or newer or an import file for 98 or older versions.
- Money versions ’99 or newer or an import file for older versions.
What are some things to consider in order to better use ATMs safely?
- Use ATMs with surveillance cameras. T Bank ATMs and those of other financial institutions may be monitored by surveillance cameras, which record activity in the area of the ATM.
- Be aware of people and your surroundings. When you enter or exit an ATM in an enclosed area, be sure you close the entry door completely. Do not open locked ATM vestibule doors for others, or allow any unknown persons to enter the ATM area while you are making your transaction. Authorized customers should have their own access.
- Put away your card and cash. After completing your transaction, secure your card and cash immediately, before exiting the ATM area. Count your cash later, in the safety of your locked car or home. Your ATM card is like cash, so keep it in a safe place.
- Protect your privacy. Shield the ATM keypad with your hand or body while entering your PIN.
How does T Bank protect against card fraud and what are some things to consider in order to better use my debit card safely?
Our debit card fraud analysis offers a complete review of unusual authorizations, address changes, and payments to secure your accounts against fraudulent activity. T Bank takes steps to defend you against theft, loss or unauthorized use of your debit card, even if you use your card online.
The following are some tips for making your T Bank debit card usage as secure as possible. If you suspect that you’re the victim of fraud, you should report it immediately.
- Sign immediately. Sign the signature panel on your credit cards and Debit Cards as soon as you receive them.
- Shut off paper statements. Choose instead to view your statements online, rather than receive them by mail.
- Check your receipts. Check receipts against your online monthly billing or account statements to verify all of your transactions. Report any unauthorized transactions immediately. Once you have reconciled your billing statements, shred up all receipts and discard them at home.
- Check your statements and watch your charges. View your statements to verify that they properly reflect the amounts you have authorized. Also, watch for multiple charges.
- Keep a list of all your card account numbers, as well as of telephone numbers to call if your cards are ever lost or stolen. Make sure they’re in a separate, secure place.
- Be cautious when giving out your card number. Never provide account information to anyone who called you.
1-888-851-8537 – 24 hours; 7 days a week
What are some basic security techniques that are available online, which I need to take advantage of to help better protect my Internet banking account?
The Internet banking service has several effective security techniques that we encourage you to implement when you use the Internet banking service:
- Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
- Change your password on a regular basis.
- Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
- Change your session timeout in User Options to a time that meets your needs.
- Balance your account on a regular basis. Internet Banking makes it easy!
What secure technology does T Bank use to protect me?
What are some ways that to help prevent fraud on my accounts?
Safeguard your Social Security number
- Never provide your Social Security number unless you have initiated the contact and have confirmed the business or person’s identity.
- Do not use your full or partial Social Security number as a login ID, Personal Identification Number (PIN) or a password.
- If you must provide your Social Security number in an email or on a Website ensure that it is encrypted, and you know how the recipient will protect it.
- Do not record your Social Security number on a check, traveler’s check, gift certificates, etc., unless required by law.
- Don’t carry your Social Security card and be cautious of your surroundings when disclosing your Social Security number.
- Reduce the amount of mail and paper with your personal information printed on it to reduce the chance of criminals stealing it.
- Stop receiving paper account statements and canceled checks. View and download them online instead.
- Sign up for direct deposit to have your funds put directly in your account without paper checks.
- Anti-spyware and anti-virus protection detects and removes viruses and spyware, which can steal vital information
- A firewall prevents unauthorized users from gaining access to a computer, or monitoring transfers of information to and from the computer
- Operating system and software updates, sometimes called “patches” or “service packs,” should be installed as soon as possible
- Web browser updates are deployed with your security in mind so keep them current
What are some of the types of online fraud to watch out for?
Phishing and spoofing
- Asking for personal information should raise a flag since T Bank emails will never ask you to reply in an email with any personal information, such as your Social Security number, ATM or Debit Card PIN.
- Urgent appeals claim that your account may be closed if you fail to confirm, verify or authenticate your personal information. T Bank will not ask you to verify information in this way.
- Messages about system and security updates claim that the bank needs to confirm important information due to upgrades and state that you must update your information online. T Bank will not ask you to verify information in this way.
- Offers that sound too good to be true often are. You may be asked to fill out a short customer service survey in exchange for money being credited to your account, and you are then asked to provide your account number for proper routing of the supposed credit. T Bank will not request your information in this way.
- Typos and other errors are often the mark of fraudulent emails or websites. Be on the lookout for typos or grammatical errors, awkward writing and poor visual design.
- Always look for the ‘https://’ and the lock symbol in the browser when you sign in to Online Banking.
- Make sure you are at T Bank’s web site when you sign in to Online Banking.
- If you receive a suspicious email, do not click on any links or reply to it. Simply delete it.
- To report a suspicious email that uses T Bank’s name, you can forward it to firstname.lastname@example.org.
- Overseas companies requesting money transfer agents in the US
- Opening new bank accounts to receive money from someone you don’t know
- Accepting large sums of money into your personal bank account for a new job
- Transferring or wiring funds out of your personal bank account to people you do not know
- Downloads from file sharing and social networking sites can be distributions points for malware
- Attachments and free software from unknown sources shouldn’t be opened or installed
- Pop-up advertisements asking for personal or financial information are likely fraudulent, so it’s better to close them
- Updated security and system software can protect your computer from malware threats
What are some types of mobile banking fraud and how can I better protect myself when banking from a mobile device?
Fake Mobile Banking Apps
- The developer or author of the application is not T Bank
- The application is being promoted on a third-party site, somewhere other than the official application store for your mobile device
- There is a charge for downloading the application—T Bank does not currently charge for mobile application downloads
- To help protect your accounts and information, don’t download or install a T Bank Mobile Banking App if you spot any of these warning signs.
- Password-protect your device so it can’t be accessed unless the password is entered
- Enable an automatic screen-locking mechanism to lock the device when it’s not actively being used
- Consider using a remote wipe program, this will give you the ability to send a command to your device that will delete any data
- Keep a record of the device’s make, model, and serial number in case it’s stolen
- The T Bank Mobile Banking Apps still require you to enter your Online ID and Passcode before accessing your financial information.
- Some tablets may support traditional anti-virus products. Consider installing AV if supported on your device
- Back-up the device’s data. This will allow you to restore the data if you need to wipe the memory to remove a harmful software threat
- Stay vigilant about security when taking advantage of the convenience these devices offer.
High-Yield CDs FAQs
Are my deposit accounts FDIC insured?
The standard deposit insurance amount is $250,000 per depositor, per FDIC-insured bank, per ownership category.
You can calculate your insurance coverage using the FDIC’s online Electronic Deposit Insurance Estimator (EDIE) at www.fdic.gov/edie/.
What is a CD?
How do I fund my new CD?
You can add funds to your new CD from these sources:
- Transfer from existing T Bank account
- Transfer from a non-T Bank account – Electronic transfer (ACH) from your external bank account: You can easily set up an external account transfer during the online funding process.
- Wire transfer – Ask you bank if there are any fees associated with this.
- Paper check: write a check to yourself or get a cashier’s check from your current bank. (Note: you may not use a traveler’s check, money order, international bank check, or double endorsed/third-party check.) and mail to:
Attn: Deposit Operations
16200 Dallas Pkwy #190
Dallas, TX 75248
Please make sure to put your new T Bank account number on the check (which you will receive at the end of your account application).
When will I receive my CD renewal notice?
We will send your renewal notice after the end of the 10-day grace period for your CD.
Can I make changes to my CD?
A CD is designed to provide a guaranteed rate for the term and the amount on deposit, therefore, no changes to the CD should be made during its term. If you need to withdraw any of the CD principle, a penalty may be imposed. You may, however, withdraw interest that has been credited to your account during the current term without penalty.
Once your CD matures, there is a 10-day grace period during which you can add funds, renew the CD, put the funds in a different CD, or withdraw funds.
What happens when my CD matures?
30 days before your CD maturity date, we’ll send you a maturity notice. Once the maturity date arrives, you get a 10-day grace period, during which you can add funds, withdraw funds, or change the term. If you don’t do anything, your CD is automatically renewed. We’ll send you a renewal notice after the grace period ends.