Card Types Offered
CUTX offers a variety of MasterCard® cards with contactless capabilities:
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Consumer Debit & Credit Cards
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Business Debit & Credit Cards
CUTX cards are compatible with:
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Apple Pay®
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Google PayTM
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Samsung PayTM
Phone & Live Chat
Mon - Fri: 9AM - 6PM CST
Sat: 10AM - 2PM CST
Member Services
(972) 263-9497 or (800) 314-3828
Teller: Option 1
Loans: Option 2
Debit Cards & Credit Cards: Option 3
Member Services: Option 4
Lost Cards, Fraud, or Disputes
Debit Cards: (866) 820-1075
Credit Cards: (866) 604-8156
Mortgage Loan Questions
(972) 705-4845
Collections
(972) 705-4950 or (866) 705-4950
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.
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.
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.
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.
New or replacement cards arrive within 7–10 business days.
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.
Can I pick up my new card at the branch instead?
Can someone else pick up my consumer debit card at a branch location?
Daily Limits
Consumer Debit: $2,500/day
Business Debit: $7,500/day
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.
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.
Instant Issue Not Available
Payment Posting Times
Credit Limit Increases
Submitting a Balance Transfer
Cash Advance Access
A PIN is required – set it up by calling (888) 891-2435
Business credit cards: See our fee schedule for cost
Split eligible debit card purchases into low-interest monthly installments — no credit check required.
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
Loan payments, ATM withdrawals, cash advances, third-party BNPL providers
Offers expire 30 days after the transaction posts
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
BNPL is reported to credit bureaus. Late payments may impact credit.
Within online banking, you can:
Lock/unlock your card
Report it lost/stolen
Set travel notices
Customize card alerts
Submit a travel notice via online and mobile banking:
Log in → Quick Links → Manage Card → Travel Notifications
Select dates and locations, then submit
New/Replacement Card Information
Can I receive an instant issue card when opening an account?
How long will it take for me to receive a new debit/credit card?
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?
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?
My card is expiring, will CUTX mail me one automatically or do I need to call in or pick it up?
Can I pick up my new card at the branch instead?
Can someone else pick up my consumer debit card at a branch location?
Where can I withdraw funds from my debit card?
What is the daily limit on my consumer debit card?
Is it possible to get a limit increase on my Consumer Debit Card?
What is the daily limit on my business debit card?
When would my debit card get blocked for invalid pins?
How do I apply for a credit card?
If I make a Credit Card payment, when will it apply to my credit card balance?
When does my statement cycle renew each month on my credit card?
How do I submit a balance transfer request?
Where can I withdraw funds from my credit card for a cash advance?
What is the limit for a cash advance on my credit card?
How can I increase my credit limit on my credit card?
Can I step into a branch to get a new credit card?
Does my CUTX credit card have annual fees?
What is Buy Now, Pay Later (BNPL)?
What can you use BNPL for?
What can’t members use BNPL for?
How soon after becoming a member will BNPL offers display?
How do I get started with Buy Now, Pay Later?
Where can you find your BNPL offers?
How many BNPL plans can a I have at the same time?
How do I know if my debit card purchase qualifies for a BNPL offer?
How long will an offer be displayed in digital banking?
What is the minimum transaction amount for a qualifying debit card purchase?
What is the maximum amount a you can borrow for BNPL?
If I am overdrawn, will I qualify for BNPL plans?
What BNPL plan repayment options are offered?
Is there a late fee if a I do not pay my plan on time?
Can I change my installment plan from one term to another term?
What if a I creates a plan, and then return the item I purchased? What will happen to the BNPL plan?
How will using BNPL affect my credit score?
Why would I choose a BNPL plan over a credit card?
How much does CUTX charge for the BNPL program?
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:
If traveling outside the US, follow these steps: