FAQ

Using Texas First Online Banking

Is there a charge for connect time while using texasfirstbank.com?

No, there is no charge from Texas First Bank. Naturally, your Internet Service Provider (ISP) may charge for connect time.

I forgot my password. What now?

Click Forgot Password to have your password sent to an e-mail address or mobile device. You can also reset your password after answering verification questions.

What happens when I click "Log Off"?

Clicking "Log Off" ends your secure session and sends you to our Public Homepage. From there, you may either leave texasfirstbank.com or log onto the site again. You will not be able to access any account specific information until you logon again.

Why can't I receive e-mail from texasfirstbank.com?

Your e-mail service provider may be treating e-mail from Texas First Bank as spam (unsolicited "junk" e-mail).

What can I do to ensure that I do receive it?

There are three different options:

  • Add our e-mail address (or entire domain where possible -- texasfirstbank.com) to your address book or contact list. This will ensure that our e-mail arrives in your inbox.
  • If your e-mail service provider or spam filtering program offers a "whitelist," "safe list" or "friends" list, you may be able to add the domain (texasfirstbank.com) to the list.
  • Some e-mail servers (such as Yahoo Mail) place a clickable "this is not spam" link in the header of e-mail that is sent to the spam or bulk email folder. Clicking the link provides information and options for assuring that future e-mails from us are delivered to your inbox.

Is your online banking secure?

Yes, Logins for Online Banking now appear on every single page of our site so that no matter what page you're on, you can log in to check your account(s). The login appears in the upper-left, directly below the header image. The username and password you provide is sent to a secure webform behind the scenes over SSL (https).

What else can I do to increase my overall security?

While our Multifactor authentication process is one very good way to protect your sensitive information you can make it even more secure by changing just a few additional configurations within your personal preferences. If interested just log into your online account and under the preferences section look for the security link. Here will you will be able to adjust your personal settings however you feel necessary. If you are having trouble and are interested in any of the below suggestions just contact your nearest banking center or visit our Help Desk and we will be glad to assist.

  • Force yourself to get a Temporary Access Code at each login. This prompts the user to register the computer before each use and authenticate who they are.
  • Allow delivery of the temporary access code to your phone only. We realize fraud is on the increase and public email accounts are often compromised. By eliminating email delivery as an option you tighten your overall security.
  • If you use any of the Cash Management tools be sure to know your established limits and ask that they be lowered if too high.
  • In situations where you have multiple users accessing the same account be sure to incorporate dual control and tier your users privileges.

Bill Pay

Will the money be taken out of my account?

If the payment is sent via a corporate check or electronically then the funds will be withdrawn on the due date via ACH from the subscribers account. If the payment is sent by draft, the funds will be withdrawn at the time the check is cashed.

What if I do not have enough money in my account?

CheckFree will resubmit the payment a second time. If funds are still owed to CheckFree the BillPay service would be frozen and the collection process would begin.

How late in the day can I enter, edit or delete?

As long as the payment shows as pending it can be changed.

What happens if I have a scheduled payment that falls over a weekend or holiday?

The system will move the payment date to the next business day.

Can I get a copy of a cancelled check?

Yes, you can get a copy of a cancelled check.

How long is the history retained in the View payment History section?

It will stay in the history for 18 months.

How far in advance should I set up a payment to ensure it is paid on time?

Minimum of 4 business days. Please keep in mind we cannot determine how long it will take the payee to process and post the payment so you should use your best judgment.

Are there any minimum and maximum payment amounts?

Minimum of $1.00 Max. $999.999.99

How far in advance can I schedule a payment?

12 months. You can also set up a recurring payment to be paid indefinitely.

Can I have multiple payments to the same payee?

Yes, however you can not set up the same amount to the same payee on the same day.

Can I stop payment?

As long as it is still pending.

How many payees may I have set up?

No limit

How do I know if a merchant is electronic or check?

You cannot. CheckFree reserves the right to determine the payment method.

Will the memo field that I fill out when setting up a payment be passed on to the merchant?

Yes, the memo field is available when a check is being sent. Keep in mind that a note is different from a memo and will not show up on the payment.

Mortgage

Will the lowest interest rate always be the best deal?

Not necessarily. A great way to to shop the best deal is to get several quotes from different lenders. That way you know what your rate and costs are up front.

What documents must I provide when applying for a loan?

To start an application we will ask for income documents such as paystubs, W-2's, and possibly tax returns. We will also want to see bank statements and other deposit account statements. This is just to get the ball rolling.

Does it make sense to make additional payments to my mortgage or should I invest that money elsewhere?

YES! Even making an extra payment a year can shed years off of your loan term. Always check with one of our financial advisors to see what makes the most financial sense for you.

Will Texas First Bank share or sell my information?

No, all information we gather is kept strictly confidential and will not be sold or shared with anyone.

If I haven't found a property, can I still apply?

Yes, you may still get pre-qualified or pre-approved before you shop for a home.

Does completing an online application automatically lock in a rate?

No. You are given a copy of the rate lock agreement once you have informed us you are ready to lock in your rate.

What is PMI (Private Mortgage Insurance)?

This is insurance designed to pay the lender a portion of the outstanding balance of a loan in the event of default. This type of mortgage insurance is normally charged when the loan exceeds 80% of the property value.

Loans

What types of loans does Texas First Bank offer?

Consumer Loans, Home Equity Loans, Home Improvement Loans, Real Estate, Mortgage, Lot Loans, Commercial Loans.

Who may apply for a Texas First Bank consumer loan?

Anyone over the age of 18.

Is there an application fee?

Texas First Bank does not charge an application fee.

How long does the approval process take for a consumer loan?

It depends on the amount of the loan. If you have a total debt that is within the lender's loan limits, the loan can be approved within 24 hours. If it requires committee approval, it can take up to one week. Our committee meets on Tuesdays and Thursdays.

What terms are available for an auto loan?

30 months to 60 months

How do I find out the value of a vehicle?

There are websites you can access to find out this information but the bank will pull the value as well when the customer applies for a loan.

How long is my loan approval valid?

30 days

How do I set up an automatic payment withdrawal to my loan?

We provide a form when customer signs his/her loan documents that authorizes Texas First Bank to withdraw payment from account.

How do I obtain the balance or payoff amount of my loan?

You can sign up for internet banking and obtain your balance at any time or call any banking centers and speak to one of our customer service representatives for this information.

How can you see if your loan has been approved?

Either a lender or his/her assistant will you for approval.

Checking Account

How can I waive my regular monthly service charge?

Sign up for a no service charge account or stay above required balance.


How do I choose the best checking account for me?

You should speak to a New Accounts Representative.


What is the minimum opening deposit for your checking accounts?

$50.00 for a personal checking, $100.00 for Business Personal Money Maker & Business Money Maker requires $2500.00.


Do you offer an interest-bearing checking account?

Yes


Do you offer accounts for children and teens?

Shining Stars Savings


How many checks can I write each month?

This varies on the account type that you have.


Can I receive a combined monthly statement for all of my accounts?

Only if they are integrated accounts.


How do I start banking online?

Simply fill out an Internet Banking Application online or go to any Texas First Bank location.


Can I check my account balance over the telephone?

Yes, their numbers are:

  • In Galveston County: call 409-945-9889
  • In Brazoria and/or Harris County: call 281-428-2900 or 281-538-2226
  • In Jefferson and/or Chambers County: call 409-296-8300

Will I receive my canceled checks with my statement?

No


Is an ATM/debit card included with my account?

Only if it is a checking account


How much can I withdraw from a Texas First Bank ATM?

Up to $500.00


How do I reorder checks or deposit slips?

You should submit reorder form to New Accounts Representative.


What does it cost to order checks?

Silver Stars Singles $7.00 $9.00 dup- Our Club Single $6.00 Dup $8.00 any other accounts singles $18.50 Dup $20.75


Can I change my name and address on my checks or deposit slips?

Yes


How do I change my address?

You can visit any TFB ask for a Change of Address form


What should I do if my ATM or debit card is lost or stolen?

Call Visa at 1.800.500.1044 immediately.

Visa Credit Card

What are the current credit card rates?

9.9% APR

Are there any fees with this card?

  • No annual fee
  • Late fee not to exceed the lesser of $15 or 5% of the payment amount received after 10 days from the due date.
  • Returned Check Fee $25
  • Cash Advance Fee no to exceed the greater of $2 of the advance.

Is there a daily limit? If so, can I change it?

A credit card has a credit limit that you cannot exceed based on your qualifications.

Is there an application that I need to fill out?

Yes, you must apply and qualify for a credit card. We review your credit and income.

What to do if I lost my card?

We have a toll free number to report lost or stolen cards.

Call 1.800.325.3678

How do I get my VISA statement?

It is mailed monthly, or you can access it at www.mycardstatement.com. Transactions are also available on our bank's website at www.texasfirstbank.com.