FREQUENTLY ASKED QUESTIONS

General Faqs

WHAT IF MY DEBIT CARD WAS DECLINED?

Debit cards have a $1,000 daily transaction limit. This is to prevent major theft in the event your debit card is stolen and used to make purchases. If you attempt to make over $1,000 in single or aggregate purchases for a day your debit card will be declined.

If your available account balance is negative this will prevent further purchases on your card from being authorized. All debits previously authorized will be paid from the account even into overdraft. Additional fees may apply.

Effective July 1, 2010 if you have not "Opted In" to changes in Overdraft Practices then you will be prevented from making a Debit Card/ATM purchase if you do not have enough money in your account. See Overdraft Protection Changes.

WHAT IF MY DEPOSIT ISN'T SHOWING?

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

WHAT IF I NEED A USERNAME AND PASSWORD FOR INTERNET BANKING?

From the home page, click on the navigation pane and then Internet Banking Enrollment. As you are enrolling you will be prompted to choose your own username and password. Once approved you will receive an email to confirm your enrollment.

WHAT IF I WANT TO START USING BILL PAY?

During enrollment for internet banking you will have the opportunity to also select bill pay services.

WHAT IF I AM UNABLE TO LOG IN TO INTERNET BANKING?

If you have tried to log in multiple times, the system will automatically lock you out after five incorrect password attempts. Call your local Texas Heritage Bank branch and request that your password be reset.

WHAT IF I FORGOT MY USERNAME?

Left click the forgot username link, which is accessible from the login page under where you would enter your username and password.

WHAT IF I RECEIVE A TEXT MESSAGE REQUESTING INFORMATION ABOUT MY BANKING ACCOUNTS OR DEBIT CARDS?

Texas Heritage Bank will NOT text you requesting information about any bank account information. If you receive a text like this, DO NOT give out any personal information. If you do, please notify the bank immediately so we can assess the situation. Text alerts are available if you enroll from our Internet Banking, but you should never reply to a text alert or message.

OVERDRAFT PRIVILEGE AND OVERDRAFT PROTECTION

Life happens! Texas Heritage Bank understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help.

OVERDRAFT COVERAGE OPTIONS

The choice is yours. Consider these ways to cover overdrafts:

Contact or visit your local banking office in Cross Plains, Boerne or Leon Springs to sign up for these services.

OVERDRAFT PROTECTION services apply to all types of transactions and may help protect your account from being overdrawn by automatically transferring funds to your checking account from a savings account you may have at Texas Heritage Bank.

OVERDRAFT PRIVILEGE allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.

*If you choose Debit Card Overdraft Service, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Overdraft Privilege. If you already have Debit Card Overdraft Service coverage, it is not necessary to request it again.

If you would like to select Debit Card Overdraft Service for future transactions: call us in Boerne at (830) 249-3955 or Cross Plains at (254) 725-6141, or visit any branch.

You can discontinue any Overdraft Privilege coverage options in their entirety by contacting us in Boerne at (830) 249-3955 or Cross Plains at (254) 725-6141, or visiting any branch.

WHAT ELSE YOU SHOULD KNOW

• We post items in the following order: 1) credits, 2) ATM and debit card transactions (smallest to largest), 3) ACH debits (smallest to largest), 4) checks (check number order). The order in which transactions are posted may impact the total amount of overdraft or return fees assessed.
• A link to a savings account is a less expensive option than an overdraft.
• A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts.
• For consumer accounts, there is a limit of 5 Overdraft fees ($175) per day we will charge. We will not charge an overdraft fee if a consumer account is overdrawn by $5 or less. These exceptions do not apply to business accounts.
• Good account management is the best way to avoid overdrafts. Use our digital bank services to keep track of your balance.
• The $35 fee is the same fee that would be charged if a check was returned as unpaid. If multiple items would overdraw your account on the same day, each item would be assessed an appropriate Overdraft fee or a Return fee of $35. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn in excess of the Overdraft Privilege limit amount as a result of a fee.
• Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
• Although under payment system rules, Texas Heritage Bank may be obligated to pay some unauthorized debit card transactions, Texas Heritage Bank will not authorize debit card or ATM transactions unless there are available funds (including Overdraft Coverage Options) to cover the transactions and any fee(s).
• Giving us your consent to pay every day debit card and ATM overdrafts may result in you incurring overdraft fees for transactions that we would otherwise be required to pay without assessing an overdraft fee. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege limit and may also help you avoid overdrafts in excess of your available funds that could result in restriction of your debit card.
• We may restrict your debit card use if you incur overdrafts in excess of the available funds in your account, including any Overdraft Privilege limit.
• Texas Heritage Bank will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules. In some cases, the hold may exceed the amount of the transaction.
• An Overdraft Privilege limit up to $500 is available for eligible Personal accounts and up to $1,000 for Business Checking accounts 30 days after account opening.
• Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
• Overdraft Privilege may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 35 days for a minimum of one business day.
• Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Deposit Account and Disclosure Agreement. The total (negative) balance, including all fees and charges, is due and payable upon demand.
• If you have any questions about Overdraft Services, please call us in Boerne at (830) 249-3955 or Cross Plains at (254) 725-6141, or visit any branch.

In the event your Debit/ATM card should become lost or stolen, please contact your local branch office as soon as possible to notify them of the loss. If the loss occurs at a time the banking office is closed, please call 1 (844) 202-5333. In addition, Texas Heritage Bank requests you call your local branch office at your earliest convenience.