Investing in Digital Currency

We’re making it easier for you to invest in digital currency* directly from CUTX's online banking dashboard. Our partnership with BankSocial® offers you a seamless and secure way to purchase, sell, and manage your digital currency with ease.

Your Gateway to Secure and Easy Digital Investing


Easily buy, sell, and manage your digital assets directly from online banking. With seamless integration and secure self-custody features, you can invest in top digital assets like Bitcoin and Ethereum. Start investing today and take control of your portfolio.
 
Get started with these 3 simple steps

Create Your Wallet

Your digital wallet is automatically created for you when you navigate to the BankSocial section of online banking. It’s quick and easy to set up, giving you immediate access to your digital investments.

Buy Directly within Online Banking

Purchase digital currencies like Bitcoin (BTC), Ethereum (ETH) directly within online banking. Simply choose from your eligible accounts to fund your purchases.

Sell and Transfer Your Digital Assets

You can sell your digital currency whenever you want, with the proceeds directly deposited into your eligible linked accounts. You can also transfer your assets to and from another wallet of your choice, giving you full control over your investments. 


 

Stay in Control

With BankSocial’s self-custodial exchange model, you own the keys to your digital wallet. This means your assets are secure and under your control—no one else has access unless you choose to share it.
 
Enjoy these Key Features 


Daily Purchase Limit of $5,000
 
This daily limit is perfect for both beginner and experienced investors 
Instant Processing 
 
Most purchases are processed with minimum delay, so you can enjoy quick access to your investments. 
You Hold the Keys
 
With BankSocial’s self-custody wallet, you control your digital assets. Not a bank. Not a company. Just you. 
No Middleman Risk
 
Your funds are never held by a central institution, reducing exposure to fraud and custodial failure. 
Own Your Future
 
Just like you own your Credit Union account, now you own your wallet.  Self-custody puts your money in your hands.


Take a Deep Dive Into Digital Currency

Still learning about digital currency? We've created a three-part series to help answer some of your questions and give you a quick, informative look at the digital investment landscape. 
Part 1
Part 2
Part 3

Why You Should Consider Investing in Digital Currencies

Digital currencies are quickly becoming a mainstream investment, and CUTX makes it easier than ever to dive in. Here’s what you need to know about the growing world of digital currency:

  • Growing Popularity
    Companies like Tesla and PayPal are now accepting digital currencies, and more financial institutions are adopting blockchain technology for faster, secure transactions.

  • Transparency with Blockchain
    Blockchain ensures transparency, allowing everyone to view transactions and reducing fraud while increasing trust in digital currencies.

  • Your Digital Wallet
    A digital wallet acts as your personal storage for your digital investment, offering more security options than traditional bank accounts.

  • Low Transaction Fees**
    Say goodbye to high banking fees. Digital currency transactions are known for their low costs compared to traditional methods or international transfers.

  • A Hedge Against Inflation
    Digital currencies like Bitcoin offer a potential hedge against inflation, as their supply is capped, unlike traditional currencies that can be printed endlessly.

With online banking, you can easily buy, sell, and manage your digital assets securely and conveniently, all in one place.
















Digital Currency FAQs

Digital assets are not insured by the National Credit Union Association (NCUA). 
No, digital assets are not obligations of Credit Union of Texas and are separate from any commitment or guarantees made by the Credit Union.
No. Because buy and sell transactions are near instantaneous and are irreversible, they cannot be refunded. For more information, please review the Terms and Conditions.
Your wallet will automatically be created for you when navigating to BankSocial on your member dashboard. You can purchase digital assets directly through online banking or the mobile banking app, with funds conveniently withdrawn from your eligible linked accounts. For additional terms and conditions governing your digital asset account, please refer to the Terms and Conditions.
We offer crypto purchases for a select range of assets that have been carefully vetted by our team, including Bitcoin and Ethereum.
Can I sell my digital currency within the app?
The BankSocial wallet and the CUTX Embedded wallet are separate entities. If you already have a BankSocial wallet, you can transfer funds between your BankSocial wallet and the CUTX Embedded wallet. However, it is not possible to import a BankSocial wallet into the CUTX Embedded wallet.
Your digital currency investment remains safe. However, to regain access to funds, you will need to contact BankSocial for assistance. You can do so by reaching their live support chat or calling (855) 568 3275.
BankSocial® is a Self-Custodial Exchange. This means the customer owns their keys and their crypto. This is a key differentiator, as majority of the most popular exchanges are Custodial, meaning the exchange owns the customer's keys and crypto. If a Custodial Exchange were to go bankrupt, the customer would be at risk of losing all of their crypto. With BankSocial, the customer owns the keys and has total control of their crypto.
  • Self-Custodial Exchange (BankSocial®) - Your Keys, Your Crypto
  • Custodial Exchange - Not Your Keys, Not Your Crypto.
There is a daily purchase limit of $5,000, and per-purchase minimum of $5. There is no limit on the amount of crypto you can hold.
You are required to maintain and safeguard your online banking login credentials. You are fully liable for your use of the Digital Assets Wallet App and for the access and use of the application by any authorized users acting on your behalf. Refer to the Terms and Conditions for additional information.
**Network fees are required by the blockchain to process transactions. These fees go directly to the network, not the credit union or the exchange. Crypto transactions are decentralized, meaning network fees are necessary to ensure transactions are processed and verified securely. See the Digital Currency Fee Schedule here. 
The fee is paid to blockchain validators, not to CUTX. 
Fees vary based on the cryptocurrency and network activity. They are automatically calculated and displayed before completing a transaction. 
Yes. Network fees can change. On most blockchains, fees fluctuate based on current traffic and demand. When the network is congested, fees increase as users compete to have their transactions processed quickly. When traffic is low, fees tend to decrease. Once a transaction is sent, network fees cannot be refunded. Always double-check transaction details before confirming. For additional terms and conditions governing your digital asset account, please refer to the Terms and Conditions.

 

Banking Made Easier

Download the all-new CUTXMOBILE app to manage your finances at your convenience.  Breeze through payments, transfers, and check deposits with just a few taps. Quickly sign-in using a 4-digit passcode. Apply for a credit card, a personal loan, or membership, or find your closest ATM or branch.

Download on the App Store
Get it On Google Play




















*You must be at least 18 years or older to use the Digital Assets Wallet app. Digital assets (cryptocurrencies) are made available and held in a self-custodial digital wallet through BankSocial, a third party, not Credit Union of Texas (CUTX). BankSocial is not an affiliate of CUTX. Digital assets are (1) not federally insured by NCUA; (2) not obligations of CUTX; (3) not guaranteed by CUTX; (4) heavily speculative and volatile; (5) may have associated fees; and (6) may not allow member recourse.**Fees are calculated based on the transaction amount and subtracted from the crypto received.  Sending or Receiving digital assets is no charge, other than a passthrough network fee (called ‘gas’). Off-ramp (SELL) fees will be slightly higher than on-ramp fees because off-ramping (SELL) provides added convenience by directly converting crypto into USD within the user’s account. Refer to the Digital Currency Fee Schedule for additional information. Membership required.