Cards Management

Managing your cards is simple, secure, and built around your needs. Whether you're opening a new account, replacing a lost card, or exploring flexible payment options like Buy Now, Pay Later, we offer convenient tools and support every step of the way.

Stay in Control of Your Cards

Setting Up Apple Pay, Google Pay, and Samsung Pay

Setting up Apple Pay®

Apple Pay is the digital payment system for iOS mobile devices. Open the wallet app on your phone. Snap a photo of your CUTX Mastercard Debit Card and enter the security code from the back. Once you validate the card with CUTX, simply touch the fingerprint scanner near any compatible card reader.

Setting up Google Pay^TM

Google Pay works with Android phones running the latest version of the operating system. Download Google Pay and set it up, adding your CUTX MasterCard Debit Card. Google Pay works with PIN, pattern, password, fingerprint, or retinae scanning screen locks.

Setting up Samsung Pay

Samsung Pay works with Samsung phones and has an extra feature to make it usable with terminals equipped for digital wallets and for older card readers that work on magnetic stripes. Like with the others, find the wallet app on your phone and add your CUTX Mastercard Debit Card.

New and Replacement Cards

Instant Issue Options

Consumer Debit Cards: Instantly issued at any branch for a fee or mailed for free.
(See our fee schedule for cost.)
Consumer Credit Cards: Mailed upon approval and funding.
Business Debit Cards: Mailed to business address for free.
Business Credit Cards: Mailed upon approval and funding.

Shipping Timelines

New or replacement cards arrive within 7–10 business days.

Replacement for Lost, Stolen, or Damaged Debit Cards

Consumer Debit Cards: You can get a new card instantly issued at branch for a small fee. (See our fee schedule for cost.) There is no fee if the card was compromised.
Business Debit Cards: Request via chat, phone, or branch to ship a replacement card to your business address on file.

Expiring Cards

New cards are automatically mailed before expiration—no need to call.

Picking Up A New Card in Branch

Can I pick up my new card at the branch instead?

Consumer Debit Cards: Yes, but by doing this you will receive a new card number instead of the same card number with a new expiration date.

Consumer Credit Cards: Credit cards can only be mailed to your address listed on your CUTX membership at this time.

Business Debit and Credit Cards: Business cards can only be mailed to your address listed on your CUTX membership at this time.

Can someone else pick up my consumer debit card at a branch location?

For security purposes, only the cardholder will be able to receive an instantly issued consumer debit card in their name at a branch location.

Please Note: ID Verification of the cardholder is required to provide a new debit card instantly issued.

Debit Card Limits & Usage

Daily Limits

Consumer Debit: $2,500/day
Business Debit: $7,500/day

Limit Increase Requests

Debit card limit increases are processed on an emergency basis. The max limit increase for consumer debit cards is $10,000. Subject to review and a security verification.
Limit increases may be requested by visiting a location, via chat, or via call.

Withdrawing Funds with Your
Debit Card

Where to Withdraw Funds

Withdraw funds from your consumer or business debit card at any CUTX Branch, Allpoint, or Money Pass ATMs without any fees assessed.¹ Find the nearest location or ATM within our networks at on our locations page.

Please Note: You may also withdraw funds from any non-CUTX affiliated ATM, however there is a fee assessed by CUTX. (See our fee schedule for cost.) The ATM owner may also assess additional fees.

Credit Card Management

At Credit Union of Texas, our credit cards are designed to give you flexibility, convenience, and peace of mind—without the annual fees. Whether you're applying for a new card, managing your balance, transferring funds, or requesting a replacement, we make it easy to take control of your credit. Explore the sections below to learn how to get the most from your CUTX credit card.

Applying for a Credit Card

You can apply for a CUTX credit card at any branch, through our website, or via online banking.
CUTX credit cards have no annual fees for consumer or business accounts.

Replacing or Receiving a New Card

Instant Issue Not Available

CUTX does not currently offer instant-issue credit cards in branches

How to Request a Replacement

Managing Your Credit Card

Payment Posting Times

Payments made before 4:00 PM CST post the same business day.

Payments made after 4:00 PM CST post the following business day.

Statement Cycle

Your credit card statement cycle renews every 25 days.

Credit Limit Increases

You can request an increase online or at a branch, subject to credit eligibility.

Balance Transfers & Cash Advances

Submitting a Balance Transfer

Log in to Online Banking and select your credit card
Go to Card Details → Balance Transfer
Enter the Payee Name, Zip Code, Credit Card Number, and Transfer Amount
Click Next to confirm your transfer

Cash Advance Access

Available at CUTX branches, Allpoint, and MoneyPass ATMs
A PIN is required – set it up by calling (888) 891-2435
Business credit cards: See our fee schedule for cost
Limit: Up to 30% of your credit limit

Buy Now, Pay Later (BNPL)²

What is BNPL?

Split eligible debit card purchases into low-interest monthly installments — no credit check required.

BNPL Qualifications

Must be a CUTX member for 90+ days
Minimum purchase: $80
Max BNPL limit: $2,500
Up to 5 active BNPL plans at a time

Ineligible Transactions

Loan payments, ATM withdrawals, cash advances, third-party BNPL providers

BNPL Offers & Terms

BNPL Offers

Offers appear automatically in online banking
Offers expire 30 days after the transaction posts

Repayment Terms

You can split your payments into 3, 6, or 12 months
APR: 9.99%
Late Fee: 5% of payment due (max $50 after 10-day grace period)
Plans cannot be modified once selected

Credit Reporting

BNPL is reported to credit bureaus. Late payments may impact credit.

Card Controls and Travel Notices

Manage Your Cards

Within online banking, you can:

Lock/unlock your card
Report it lost/stolen
Set travel notices
Customize card alerts

Traveling Soon?

Submit a travel notice via online and mobile banking:

Log in → Quick Links → Manage Card → Travel Notifications
Select dates and locations, then submit

Cards Management FAQs

New/Replacement Card Information

Can I receive an instant issue card when opening an account?

Consumer Debit Cards: Upon opening an account, an instant issued debit card can be given immediately with a fee, or a free debit card can be shipped to your address. See our fee schedule for instant issue debit card cost.
Consumer Credit Cards: Upon application approval and funding, a credit card will be ordered and shipped to your address.
Business Debit Cards: Upon account opening, a free debit card can be shipped to your business address.
Business Credit Cards: Upon application approval and funding, a credit card will be ordered and shipped to your address.

How long will it take for me to receive a new debit/credit card?

You should receive your new debit/credit card within 7-10 business days to the address listed on your CUTX consumer or business membership.

Can I receive an instant issued debit card for my consumer CUTX account if my card is stolen, lost, or a replacement for a damaged card?

You can receive an instant issued debit card at any of our CUTX branch locations with a replacement fee. See our fee schedule for cost. In the event of a compromised card, there is no fee assessed.

How may I receive a debit card for my business CUTX account if my card is stolen, lost, or a replacement for a damaged card?

Chat, Call, or Visit a Branch location to place an order for a replacement card to be shipped to your business address on your CUTX membership.

My card is expiring, will CUTX mail me one automatically or do I need to call in or pick it up?

If your consumer or business debit/credit cards are expiring CUTX will send a new debit or credit card to you in the mail automatically.

Can I pick up my new card at the branch instead?

Consumer Debit Cards: Yes, but by doing this you will receive a new card number instead of the same card number with a new expiration date.
Consumer Credit Cards: Credit cards can only be mailed to your address listed on your CUTX membership at this time.
Business Debit Cards: Debit cards can only be mailed to your address listed on your CUTX membership at this time.
Business Credit Cards: Credit cards can only be mailed to your business address listed on your CUTX membership at this time.

Can someone else pick up my consumer debit card at a branch location?

For security purposes, only the cardholder will be able to receive an instantly issued consumer debit card in their name at a branch location.
Please Note: ID Verification of the cardholder is required to provide a new debit card instantly issued.

Debit Card Limits

Where can I withdraw funds from my debit card?

You can withdraw funds from your consumer or business debit card at any CUTX Branch, Allpoint, or Money Pass ATMs without any fees assessed. Find the nearest location or ATM within our networks at https://www.cutx.org/locations.
Please Note: You may also withdraw funds from any non-CUTX affiliated ATM, however keep in mind there is a fee assessed by CUTX. See our fee schedule for cost. Also, the ATM owner may assess additional fees as well.

What is the daily limit on my consumer debit card?

$2,500.00 is the daily limit on your consumer debit card.

Is it possible to get a limit increase on my Consumer Debit Card?

Limit increases may be requested by visiting a location, via chat, or via call.
Please Note: Debit card limit increases are only processed on an emergency basis. No limit can be increased more than $10,000 for consumer debit cards. An account review is required in order to approve a limit increase request. Not all limit increases are approved and are subject to a security verification process.

What is the daily limit on my business debit card?

$7,500.00 is the daily limit on your business debit card.

When would my debit card get blocked for invalid pins?

After 3 invalid pin attempts your card will be blocked.

Credit Cards

How do I apply for a credit card?

You can apply at a branch location, on our website, or via online banking for a credit card.

If I make a Credit Card payment, when will it apply to my credit card balance?

Payments made before 4:00pm CST will be posted on the same business day.
Payments made after 4:00pm CST will be posted on the following business day.

When does my statement cycle renew each month on my credit card?

Your credit card cycles every 25 days.

How do I submit a balance transfer request?

Log into Online Banking and Select your credit card
Select Card Details
Scroll to Balance Transfer (Icon Menu at bottom of page)
Enter the Payee Name, Zip Code, Credit Card Number, and Transfer Amount
Select Next and complete the confirmation of your balance transfer.

Where can I withdraw funds from my credit card for a cash advance?

You can process a cash advance from your credit card at any of our CUTX Branch locations, Allpoint ATMs, or Money Pass ATMs within our network.
Please Note: A credit card PIN will need to be set up prior to conducting a cash advance. You can call (888) 891-2435 to set up your credit card PIN number.
Please Note: For Business Credit Cards, there is a cash advance fee dependent. See our fee schedule for cost.

What is the limit for a cash advance on my credit card?

A cash advance can only be up to 30% of your credit limit.

How can I increase my credit limit on my credit card?

An increase is subject to credit eligibility. You can apply online or at a branch location for an increase on your credit line.

Can I step into a branch to get a new credit card?

Currently, credit cards are not instantly issued at our branch locations. Requests for a new credit card due to a lost, stolen, or damaged card can be direct to us via chat, call, or you may visit a location to have a representative initiate a replacement card to be mailed to your address on your membership.

Does my CUTX credit card have annual fees?

No, neither consumer or business CUTX credit cards are assessed an annual fee.

Buy Now Pay Later

What is Buy Now, Pay Later (BNPL)?

For the first time ever, you can turn your Credit Union of Texas debit card purchases into monthly installment plans. If you are an eligible member, you can make qualified debit card purchases and can view and accept your BNPL offers inside of OLB.

What can you use BNPL for?

We offer BNPL plans for both online and in-store purchases. This includes purchases of items like new clothes, school supplies, travel, or the latest technological upgrades. BNPL can also be used for those unexpected and often under budgeted expenses such as medical, dental, and veterinary bills!

What can’t members use BNPL for?

BNPL offers will not be sent for items like loan payments (mortgage, automobile, credit card, etc.), payments to third-party Buy Now Pay Later providers, and cash transactions such as ATM withdrawals.

How soon after becoming a member will BNPL offers display?

You must have established your account 90 or more days before you will qualify for BNPL.

How do I get started with Buy Now, Pay Later?

There’s no application or credit check necessary! Credit Union of Texas BNPL offers are made based on your account relationship and the type of debit card purchase you make. When a your account is eligible for BNPL, and you make a qualified debit card purchase, a BNPL offer is automatically available and displayed in OLB.

Where can you find your BNPL offers?

BNPL offers are displayed within the BNPL tab of online banking.

How many BNPL plans can a I have at the same time?

You can have up to 5 active BNPL plans at a time. However, this does not mean that you will always qualify for 5 plans at once. Your eligibility is based on your relationship.

How do I know if my debit card purchase qualifies for a BNPL offer?

When a debit card purchase qualifies for BNPL, the offer will display in digital banking. If an offer is not displayed, then the purchase was not eligible for BNPL. This could be due to several factors, including:
- The transaction amount was too small or too large
- The transaction was made at an ineligible merchant type. Some common merchant types that are not eligible for BNPL include:
- ATM withdrawals, Cash Advances, or other cash and money transfer services
- Your account may have been overdrawn frequently. If you have been in a Non-Sufficient Funds (NSF) status 3 or more days in the last 60 days you would not qualify for BNPL.

How long will an offer be displayed in digital banking?

Our BNPL offers expire 30 days after the transaction posting date. If it has not been 30 days since the member the debit card purchase posted, then the offer was removed for another reason. This can happen for several reasons, most commonly:
- You accepted a different offer and did not qualify for both.
- Your activity changed, and you no longer qualify for new BNPL plans.

What is the minimum transaction amount for a qualifying debit card purchase?

The minimum transaction amount is $80.

What is the maximum amount a you can borrow for BNPL?

Members can borrow up to $2,500 in BNPL plans.
Additionally, a purchase greater than $2,500 will not qualify for BNPL. For example, a $2,800 purchase will not receive an offer for the maximum BNPL amount of $2,500.

If I am overdrawn, will I qualify for BNPL plans?

If you have been in a Non-Sufficient Funds (NSF) status more than 3 times during the last 60 days, you will not be eligible for BNPL.

What BNPL plan repayment options are offered?

Our BNPL program includes 3-month, 6-month, and 12-month repayment options. You will be offered the repayment options that you are qualified for.

Is there a late fee if a I do not pay my plan on time?

Yes, you have a 10-day grace period after the payment due date where no late fee is charged. After the grace period expires, a late fee of 5% of the delinquent payment amount (maximum $50) will be charged.

Can I change my installment plan from one term to another term?

No, once you establish an installment plan, the terms cannot be changed.

What if a I creates a plan, and then return the item I purchased? What will happen to the BNPL plan?

The store’s return policy will determine how you receive your refund. The BNPL plan will not be affected. You can choose to pay off the plan early or allow the plan to be repaid as scheduled.

How will using BNPL affect my credit score?

Credit Union of Texas does not perform a credit check when determining your eligibility for BNPL. However, BNPL loans are reported to all three credit bureaus.
An unpaid BNPL plan that becomes delinquent may result in negative information being reported to the credit bureau.

Why would I choose a BNPL plan over a credit card?

Credit cards are strong payment vehicles. They allow you to make purchases you need and repay over time – like BNPL. However, credit cards require different qualifications, and, for some members, it is not an available option
Regardless of your ability to qualify for our credit card program, you may still prefer the low cost, convenient access, and simple terms provided through our BNPL program.

How much does CUTX charge for the BNPL program?

Currently, our Buy Now, Pay Later (BNPL) program offers an APR of 9.99%.

Card Controls

What is the Manage Cards feature in digital banking?

Card controls is a feature in your digital banking that allows you lock or unlock a card, report a card lost or stolen, set travel notifications, and customize card alerts based on category, transaction or date for both debit and credit cards.

If I’m traveling, do I have to notify CUTX in order to conduct debit or credit card transactions?

If traveling within the US, follow these steps:

Log into your online banking and select Quick Links
Select Manage Card and Select Travel Notifications.
Enter your departure date and return date.
Select domestic and select the states you are visiting.
Enter your contact details and press submit.
Review your travel notice summary and finalize your request by selecting Update Notice.

If traveling outside the US, follow these steps:

Log into your online banking and select Quick Links
Select Manage Card and Select Travel Notifications.
Enter your departure date and return date.
Select international and select the countries you are visiting.
Enter your contact details and press submit.
Review your travel notice summary and finalize your request by selecting Update Notice.

Surcharge-free ATMs are available through AllPoint and MoneyPass networks. Visit allpointnetwork.com or moneypass.com to ¬find one near you
No application or credit check required. Eligibility for the Buy Now Pay Later (BNPL) program is subject to qualifying online and in-store debit card purchases, and existing account relationship(s). You can only participate in the BNPL program if you receive an offer within CUTX online or mobile banking. Your account must be open for at least 90 days to be eligible. Repayment fixed-term options include 3, 6 or 12 months, subject to qualifying debit card purchase amounts. Each installment plan is subject to a fixed 9.99% Annual Percentage Rate (APR). Eligible debit card purchases must be greater than $100, not to exceed $2,500. Eligible members may have up to five (5) active BNPL payment plans at any given time, not to exceed an aggregate maximum outstanding balance of $2,500. Accounts with more than three (3) non-sufficient fund (NSF) instances and any loan payments that are more than thirty (30) days past due in the last ninety (90) days are not eligible. Loan payments (such as mortgage, auto, credit card, etc.), payments to third-party BNPL providers, or cash transactions such as ATM withdrawals are not eligible. Other terms and conditions apply. Member must meet age and membership requirements. Federally insured by NCUA.