Have questions? We’ve got answers.

Yes, you can make deposits and withdrawals whenever you need to. 

If you close your Save account within 13 months of opening it, an early closure fee of $25 will be assessed. This encourages members to establish their savings habit and build their emergency fund.

Save is a free savings account with no monthly service fees. You get competitive dividends paid monthly, free credit score monitoring, a $1 minimum balance, NCUA insurance protection to at least $250,000 and full mobile and online banking access.

Spend is a free checking account with no monthly service fees, no minimum balance requirement, and no transaction fees.

You earn competitive dividends based on your daily account balance. Dividends are calculated and paid to your account on a monthly basis. Check our rates page for the current dividend rate on Save accounts.

Before ordering checks - please make sure your contact information is correct.

You can order checks by logging in to your online banking account. Click Additional Services > Check Order then follow the requested steps.

If this is your first check order, we will need to assist you. Click the Let's Talk button below.

Card On/Off lets you temporarily disable your card. If your card is lost or misplaced, you can instantly turn it off to prevent unauthorized use. When you're ready to use it again, simply turn it back on — no need to cancel your card.

Transaction Type Controls let you customize which types of transactions are allowed with your card. Currently, you can enable or restrict:

• Online Transactions: Control whether your card can be used for internet-based purchases.
• In-Person Transactions: Set preferences for in-store purchases.
• ATM Transactions: Manage access to cash withdrawals at ATMs.
• Autopay/Recurring Transactions: Control the use of your card for subscriptions and automatic payments.

These controls help you limit your card to only the transactions you want, adding an extra layer of security. Please review each transaction type category to verify if it is turned on or off. Note: when you initially turn on transaction controls they will all automatically be ON.

Yes! You can adjust Transaction Type Controls as needed. For example, if you're making an online purchase, you can enable online transactions temporarily, then turn them off afterward to help protect your account from unauthorized internet purchases.

No. Only Texas Tech Credit Union issued debit cards and credit cards are eligible for services offered through My Cards.

From the Move Money tab in online or the Transfers tab in mobile banking, click on “limits” to see your daily, weekly, and monthly transfer limits.

External transfers submitted by 3 p.m. (CT) on regular banking days are processed the same day. Credit to the receiving account could be posted as early as the next business day, but this will depend on the receiving bank's procedures.

From the Move Money tab in online or the Transfers tab in mobile banking, you can designate how often you want this recurring transfer to occur from the Frequency options.

Most applications are approved within hours. We move quickly because we keep things simple. No endless paperwork or waiting for callbacks. Submit your information online and we'll generally get back to you the same day.

Yes. There are no prepayment penalties on personal loans at Texas Tech Credit Union. Pay it off early and save on interest — we won't charge you for it.

Mobile check deposits will generally be available the same business day. Deposits made on the weekend, a holiday, or after 4 p.m. (CT) will be available the next business day. Delayed funds availability may apply for certain checks, in which case accepted deposits may be held for up to 5 business days.

Yes, we ask that you keep the check for 30 days after submitting the deposit, or at least until you see the deposit added to your account. Once you see the funds in your account, destroy the check or mark it as void.

If you believe your device has been lost, stolen, or compromised, log in to online banking or the mobile app, go to My Cards and then turn your card off.

Setting up Card Controls is simple:

1. Log in to your digital banking app and navigate to My Cards.
2. Select either Card On/Off or Transaction Type Controls.
3. For Transaction Type Controls, choose the types of transactions you'd like to enable or restrict, such as online, ATM, in-person, or autopay/recurring transactions.
4. Save your changes.

Your controls are active immediately, and you can update them anytime.

Yes! In addition to enabling or restricting transactions, you can set up alerts to notify you about any activity on your card. These alerts are a great way to keep track of spending and ensure your card is used according to your preferences.

If you incur fees from an ATM outside our network, you won't be reimbursed. Use the app to locate a fee-free ATM near you.

The maximum daily ATM withdrawal limit from your account is $500.