Money Movement

Secure. Convenient. Flexible.
 
Explore all the ways you can move money with CUTX—whether you're transferring between accounts, paying bills, or sending funds across the globe.


Your Guide to Transfers, Payments, and More 

 
 

 

All Your Money Movement Options, Simplified

 
At Credit Union of Texas, moving your money is simple, secure, and flexible. Whether you're paying a loan, transferring funds between accounts, sending money to friends or family, or managing your mortgage, we've got you covered.
 
From internal and external transfers, Zelle®1 , and Bill Pay to international transfers with Ria, wire services, and remote check deposits, this page is your go-to guide for all the ways you can move money—anytime, anywhere. 
 
 
 









Internal and External Payments

 

Options to pay your CUTX loan:

  • From a CUTX account: Log into online banking and transfer directly to your loan.

  • From another bank: Use the external payment portal to pay with account info, debit card, PayPal, Venmo, Apple Pay, Google Pay, or even with cash at select locations.

  • Through your other bank: Use CUTX’s routing and loan MICR number to make payments from another financial institution.

  • Pay with PayNearMe: Make a payment online or a cash payment at thousands of participating retail locations, including CVS, 7-Eleven, Walmart, and more. Click here to make a payment.

Good to know:

  • Make unlimited payments from your CUTX account.

  • External portal payments are limited to 3 per 30-day rolling period.

Zelle®1

 

Send money fast to friends and family.

  • Find it: Log into digital banking and select Send Money with Zelle from the left menu.

  • Send steps: Choose a contact, enter an amount, and confirm.

  • Manage your token: In Zelle settings, you can add or remove the phone number/email linked to your Zelle profile.

Important: Zelle is for sending money to people you know and trust—not for business or merchants.

International Transfers with Ria2

 

Send money abroad quickly and securely with Ria, our trusted international transfer partner. Whether you're supporting family or sending a gift, Ria makes global money transfers easy—right from your CUTX digital banking platform.

To get started:

  • Log into your CUTX online account. From the left-hand menu, select Quick Links > International Money Transfers.

  • Choose the recipient’s country, delivery method (bank deposit, cash pickup, etc.), and payment method.

  • Provide the recipient’s information and the amount you’d like to send.

  • Review and submit your transfer.

Wires

 

Send or receive domestic wires directly through digital banking or in person.
Fees:

  • Send: $10 with Secure Plus, Premier, or Mature Options accounts; $25 for all others

  • Receive: $5 for premium accounts; $15 for all others

Cutoff times:

  • Incoming wires: 5:00 PM CST

  • Outgoing (consumer): 1:00 PM CST

  • Outgoing (business): 4:00 PM CST

Need help? Call us at (214) 818-3231

Businessperson reviewing fraud protection tools on screen

Mortgage Payments

 

Manage your mortgage easily online:

  • Visit cutx.servicingdivision.com to view, pay, and manage your loan.

  • Or download the “CUTX Mortgage” app from the App/Play Store.

  • For support: Call (844) 732-7121

  • To refinance: Call (972) 705-4845

Bill Pay

 

Easily pay your bills from your CUTX checking account.

  • Activate Bill Pay from your digital banking menu.

  • Payments are delivered via ACH, electronic card, or check depending on the biller.

Fees:

  • $10/month for Simple Checking

  • $5/month for Secure & Secure Plus Checking

Support: Call (844) 357-0681 or chat in the Bill Pay portal.

Remote Deposit Capture (RDC)

 

Deposit checks without leaving home.

  • Use the mobile app to take a photo of your check.

  • Maximum deposit amount: $5,000

  • Endorse with: “For RDC at CUTX only” + your signature

Cutoff time: 6:15 PM CST (M–F)
Hold time: Typically 3 business days; can be up to 7–10 depending on history.

Need a Walkthrough? We’ve Got You Covered.

Sometimes a quick video is the easiest way to get the answers you need. Our video library offers step-by-step guidance on common money management tasks—from setting up autopay and making loan payments to handling lost cards, travel notifications, and more. Whether you're paying with a bank account or debit card, transferring a balance, or stopping a check, these short tutorials are here to help you navigate it all with confidence.

 

Make a Payment with Your Account
Cancel Autopay
Set Up Autopay

Make Payment with Debit Card
Set Up Travel Notification
Lost Or Stolen Card

Loan Payment Options
Stop Check in Online Banking
Balance Transfer


















Money Movement FAQs

What payment options do I have to make a payment?
  • You can make a payment by transferring funds from your CUTX account to your loan on your digital banking platform.
  • You can make a payment by utilizing our payment platform to pay your CUTX loan from another financial institution by using your account information, debit card, with cash at a partnered location, Google Pay, Apple Pay, Samsung Pay, PayPal, Venmo, or Cash App.
  • You can make a payment by transferring funds from a linked external account to your CUTX loan on your digital banking platform.
  • You can also initiate payments with your financial institution from where you are paying your loan from. For this option, you will need to provide your CUTX routing and loan MICR number.
Can I make extra payments on my loan?
Yes! You can make unlimited payments using your CUTX savings or checking account or any external accounts that are linked. If using the payment portal on our website, you can make up to 3 payments in a 30-day rolling period.

Where can I make a payment?
You can make a payment on your digital banking platform with your CUTX account or externally linked account. You can also always visit our website and make a payment via our payment portal there.

Helpful Tips:
  • A member can only make 3 payments total via the external payment portal in a 30-day rolling period.
  • You can make unlimited payments (transfers) from your CUTX account to your loans each month.
Where can I find Zelle in my digital banking?
You can locate Zelle in the menu to the left in your digital banking platform titled: Send Money with Zelle
 
How do I send money via Zelle?
  • Select: Send Money with Zelle in the left menu in your digital banking platform.
  • Select : Send or request money
  • Select : Send
  • Choose or add a recipient to send funds to.
  •  Enter the amount you would like to send.
  • Select: Review
  • Add a memo (Optional description of what you are sending funds for)
  • Select Send
  • Reminder: Zelle should ONLY be sent to friends and family and not for business or merchant use.
What is a Zelle token?
A Zelle token is either a phone number or email that a member uses to send/receive funds via Zelle.
 
How do I delete, unenroll, or update my Zelle token?
Chat, call, or visit a branch location to request your Zelle token be deleted.
 
Helpful Tips:
  • IMPORTANT: Verify each Zelle recipient’s information before sending any funds.
  • Safety Reminder! Credit Union of Texas will never ask members to send money to yourself or anyone else.
  • There is a settings option in the top right corner of our Zelle feature in digital banking.
  • This allows you to “Manage Payment Profiles”: Select the account linked to your Zelle and you can “Delete and unenroll this tag from Zelle”. You can also add another email or mobile number to securely send and receive money to and from. Simply select from your bank profile already established or add a new email or phone number.
  • This also allows you to “Manage Recipients” where you can send funds, request funds, or edit the recipient’s first and last name.
How to make a transfer to my account or loan? 
  • Log into digital banking
  • Select the account you want to transfer funds from.
  • Select transfer.
  • Confirm the account/loan you want to transfer funds to.
  • Enter the amount you would like to transfer.
  • Press submit.
  • Note: You can schedule transfer date and frequency for future dated or even recurring transfers.
 
How to send funds to another member?
You can send funds to another member by utilizing our member to member transfer feature. Here are the steps:
  • Log into your digital banking platform.
  • Select "Member to member from the menu" on the left. Note: A verification code will be sent and must be verified prior to being able to proceed with your first member to member transfer.
  • Select New Member Transfer
  • Enter the first 3 letters of the recipient’s last name.
  • Enter the recipient's member number.
  • Select the type of account: Either Share or Loan account.
  • Enter the 4 digit Share or Loan ID
  • Optional: Save contact for future transfers (Nickname for the receiving member is required.)
  • Select Next
  • Select the account you are sending funds from.
  • Select the amount you would like to send.
  • Select the frequency of how often you would like to transfer this amount of funds to the recipient.
  • Select the date you would like to transfer.
  • Optional: Add a memo for what the transfer of funds is for.
  • Select Next
  • Review transfer details for accuracy and Press Submit
 
Can a member to member transfer be cancelled?
A member to member transfer cannot be cancelled once it has been submitted if the funds are sent same day.
Recurring and scheduled transfers that have not been processed yet can be canceled by the member. 
 
Helpful Tips:
  • Important: Same day member to member transfers cannot be cancelled once submitted as they are transferred instantly. In the event an error occurs, please reach out to the recipient of the funds to transfer the funds back.
  • Members saved for future member to member transfers can be deleted.
  • Note: If a saved member is deleted a new verification process is required to add the recipient before another member to member transfer can be processed.
How do I add an external transfer account?
  • Log into your digital banking platform.
  • Select Transfers in the menu on the left.
  • Select Add + External account
  • Confirm a passcode that is sent to your phone number on file.
  • Note: If multiple phone numbers are set up for 2FA verification, select Try Another Way to see additional delivery methods.
  • Note: If the code is not received select Resend Code.
  • Enter the account name, routing number, account number, and the type of account. Select Submit.
  • A notification that two small deposits (micro deposits) will be sent to the external account provided. These will take 1-3 business days to receive. Once received, return to your external transfer set up to enter and confirm the amounts received.
  • Reminder: Only add the external bank ONE time. This prevents you from receiving numerous micro deposits and delaying the setup time of your external transfer.
Why am I not able to verify the micro deposits I received?
  • Micro deposits expire after 14 calendar days.
  • If not received by 14 calendar days, please reconfirm the account and routing information entered.
How long does it take to receive a micro deposit in order to add my new external account?
You will receive your micro deposits within 1-3 business days.
 
How do I verify micro deposits?
  • Once micro deposits have been received, return to your CUTX online banking and select settings.
  • Select External Transfers under the Accounts option.
  • Enter the two deposit amounts and select confirm.
  • If the amounts are entered incorrectly, an error message will be presented.
  • You have three attempts to verify the micro deposits.
  • Note: If all three attempts are entered incorrectly the account will be frozen.
  • You must remove the account and restart the process of adding the external account
  • New micro deposits will be sent in 1-3 business days and you will need to confirm once received.
  • Once successfully confirmed the external account will be linked to perform transfers.
How do I cancel my external transfer?o Log into your digital banking platform.
  • Select Transfers
  • Select Scheduled Transfers and Press Delete
  • Reminder: 3pm CST is the latest you can cancel an external transfer. Once a transfer has been processed you can no longer cancel the transfer from being sent.
How long does an external transfer take to process?
  • External transfers typically take between 3-5 business days for processing. 
  • Note: Funds can be deducted from the sending account up to two business days prior to the transfer.
Why did my external transfer not process? 
  • Most frequent processing failure reasons: 
    • The expiration date (set at the time of the initiation of the recurring external transfer) has come due and the external transfer has been expired.
    • There were not sufficient funds in the account for the external transfer (amount set at initiation of external transfer) to process successfully.
Helpful Tips:
  • Important: Ensure accurate account and account type information when setting up your external transfer to avoid delays.
  • Important: External transfers can only be deleted before 3pm CST on the day the transfer is scheduled to be made.
  • Important: External transfers should be used to move funds between your accounts at CUTX and your accounts at other financial institutions.
Can I transfer funds internationally?
Yes! CUTX partners with Ria to send funds internationally to family and friends.

How do I transfer funds internationally?

To get started:

  • Log into your CUTX digital banking account.

  • From the left-hand menu, select Quick Links > International Money Transfers.

  • Accept the terms and conditions.

  • Choose the recipient’s country, delivery method (bank deposit, cash pickup, etc.), and payment method.

  • Confirm the security code sent to your phone.

  • Enter or verify your personal details and address.

  • Provide the recipient’s information and the amount you’d like to send.

  • Review and submit your transfer.


How do I request a wire?
  • You can request a wire via our digital banking platform.
  • You also can request a wire by visiting a branch location or giving us a call at (214) 818-3231.
Are there fees to send a wire?
Yes, there is a $10.00 fee to send a wire with a Secure Plus Checking, Mature Options, or Premier Checking Account. All other account types assess a $25.00 fee to send a wire.

Are there fees to receive a wire?
Yes, there is a $5.00 fee to receive a wire in a Secure Plus Checking, Mature Options, or Premier Checking Account. All other account types asses a $15.00 fee to receive an incoming wire.
 
Are there cut off times to send or receive a wire?
  • Yes, our cutoff time schedule is as follows:
    • Incoming Wire Cutoff: 5:00pm CST
    • Outgoing Wire Cutoff (Consumer Account): 1:00pm CST
    • Outgoing Wire Cutoff (Business Account): 4:00pm CST
How do I make my mortgage payment?
You can register, login, view your mortgage details, and make payments here: https://cutx.servicingdivision.com

Who can I contact for support regarding my mortgage?
For member support regarding your mortgage, please contact (844) 732-7121.

Who do I contact to refinance my mortgage?
To speak to someone about refinancing your mortgage, contact us today at (972) 705-4845.

Is there an app where I can see my mortgage?
Yes! Search “CUTX Mortgage” in the app or play store. You should see our CUTX logo.

What information is needed to enroll in the app?
Mortgage Loan Number, Zip Code, Last 4 digits of your social security number, and your Full Name are all that is needed to enroll.
 
Can I make mortgage payments via the app?
Yes, enroll and log in today to make your payment.

Can I request a payoff letter via the app?
Yes, payoff letters are easy to request in our mobile app.

Can I obtain statements or tax documents via the app?
No, this will need to be a request to our
Do all accounts come with Bill Pay automatically?
No, you must have a checking account to activate the Bill Pay service.

Are there fees associated with Bill Pay?
Yes, there is a $10.00 monthly fee for Bill Pay with a Simple Checking account. Secure and Secure Plus Checking Accounts assess a $5.00 monthly fee.

How to activate Bill Pay?
You can activate Bill Pay by logging into your digital banking platform, selecting Bill Pay from the menu on the left, and agreeing to the terms and conditions.

What is the processing timeframe with a Bill Pay payment?
  • The processing time will depend on the delivery method the payee is able to receive.
  • The payment date selected is the date by which the payment will be delivered to the payee.

How does Bill Pay make payments?
Bill Pay makes payments to your bills either through an ACH payment (using your account and routing number), a single use electronic debit card (created by Bill Pay) or by creating a check on your behalf. This is determined by how the payee has selected to receive payments.

Who can I contact for Bill Pay support? 
  • You can reach out to (844) 357-0681
  • You can also chat directly with a Bill Pay representative via the Bill Pay portal in your digital banking platform.
What is RDC?
RDC stands for Remote Deposit Capture and is a method of depositing checks remotely.

Where can I remote deposit checks?
You can remotely deposit checks via the mobile app. Once logged in, proceed to the menu on the left, select deposit checks and follow the prompts from there.

What is the maximum check amount that I can deposit via RDC?
$5,000 is the maximum amount that you can deposit via RDC. For larger amounts, please visit a branch location to deposit.

How do you endorse a check deposited via RDC?
A proper endorsement must include: “For RDC at CUTX only” as well as a handwritten signature.

What is the cutoff time for processing a check via RDC?
There is a cutoff time for processing a check via RDC at 6:15pm CST on Monday through Friday (excluding federal holidays where CUTX is closed).

When will my RDC be processed if submitted after the cutoff time?
Your RDC will be processed the next business day if submitted after the cutoff timeframe.

Will there be a hold on a check deposited via RDC?
  • Yes, an automated 3 business day hold will be applied to the check deposited. This may be extended for up to 7-10 business days dependent upon the amount and account history associated with the membership. 
  • Note: Some deposits can be released as early as the next day dependent upon past check returns and established account history.




























1. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Must have a bank account in the U.S. to use Zelle. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Landline numbers, Google Voice™ numbers, and Voice over Internet Protocol (VoIP) numbers may not be used to enroll in Zelle.


2. Ria is a registered trademark of Dandelion Payments, Inc. dba Ria Money Transfer, NMLS ID: 920968. Authorized to operate as a Money Transmitter in all United States' jurisdictions where it conducts business; Licensed as a Money Transmitter by the New York State Department of Financial Services, Massachusetts Check Seller License #CS0105, Foreign Transmittal License #FT920968. ©2024 Dandelion Payments, Inc. All rights reserved. Message a data rates may apply. Additional fees apply.