Digital Banking FAQ & Resources

Digital Banking FAQs and Resources

This page is here to be your guide and assist you in learning everything you ever wanted to about banking on-the-go!  You will find answers from how to get set up to begin digital banking, to frequently asked questions, to video tutorials to walk you through numerous functions on the platform as well as on your different devices.

Planning on using your debit or credit card while traveling?


With digital banking, you can pay bills, make transfers, receive account alerts, manage your budget, and more!

I'm new to Texas Bay Digital Banking
You can register for access to Digital Banking by calling us at 713.366.4929 or by visiting a Texas Bay branch location. Once registered, you can log into our Digital Banking platform on  your web browser or through our mobile app.

I've used the previous version of Texas Bay Digital Banking
  1. Sign in to our new platform from a web browser and enter your existing username
  2. Click "Forgot Password"
  3. Enter your username again
  4. Select a verification method (text or call)
  5. Enter your verification code
  6. Create a new password between 8 and 32 characters and containing all of the following:
    1. A lowercase letter (a-z)
    2. An uppercase letter (A-Z)
    3. A digit (0-9)
    4. A special character (~!@#$%^&*(){}[]<>+-=/|;:'"?)
  7. Read and accept the disclosure and click continue
  8. Select and answer three security questions
  9. You now have access to our Digital Banking platform!
There may be several reasons why you are unable to access your Digital Banking account. If you are having problems logging in to the mobile app, try logging in on a web browser. If the issue continues, we suggest calling us at 713.230.8394
We have security measures in place that check multiple factors and patterns to determine the person logging in is you. 
You can also view your account activity by logging in to digital banking and selecting "Profile" > "User Activity"
  1. Click the 'Forgot Password' link located on the Digital Banking login page.
  2. Enter your User ID, the last 4 of your SSN, and Date of Birth in mm/dd/yyyy
  3. You will be prompted to select how you would like to receive your identity verification confirmation code, by either text or phone call.
  4. If you do not have access to any of the listed phone numbers, please contact Member Services at 713.352.0344
  5. Once you enter and submit your confirmation code, you will be prompted to create a new password. Your new password must be between 8 and 32 characters and containing all of the following:
    1. A lowercase letter (a-z)
    2. An uppercase letter (A-Z)
    3. A digit (0-9)
    4. A special character (~!@#$%^&*(){}[]<>+-=/|;:'"?)

Change Password

  1. Log in to Digital Banking
  2. Click “Profile” > “Profile Updates” > “Password” 

OR

  1. Click "Forgot Password" on the sign in page to create a new password.

Change Security Questions

  1. Log in to Digital Banking.
  2. Click “Profile” > “Profile Update” > “Security Info”
  3. Choose three questions and type the answers to the questions.
  4. Click “Continue”
  5. Review the questions to ensure accuracy and click “Submit”

Note: To use Touch ID or Face Recognition to log in to the Texas Bay mobile app, you must have Touch ID or Face Recognition set up on your mobile device.

  1. Log in to the Texas Bay mobile app on your preferred device with your User ID and password
  2. Click “Profile” > “Profile Updates” > “Authorized Device Enrollment”
  3. Enter a device name for the device you are using to log in (ex: My Phone), your username, and your password
  4. Click “Enroll”
  5. You will now be able to log in to the Texas Bay mobile app with Touch ID or Face Recognition
Through Online Banking
  1. Log in to Online Banking.
  2. Click “Profile” > “Profile Updates” > “Biometric Enrollment”
  3. Click the trash can icon next to the device you wish to delete
  4. If you are resetting your biometric enrollment, click “Authorized Device Enrollment” to enroll your device and input your  password
Through the Texas Bay Mobile App
  1. Log in to the Texas Bay mobile app
  2. Click “Profile” > “Profile Updates” > “Authorized Device Enrollment”
  3. Click “Unenroll”
  4. If you are resetting your biometric enrollment, enter a device name, your username, and your password to enroll your device.
Texas Bay Credit Union offers 10 types of alerts on our Digital Banking platform. Each alert type has a variety of options available.
  1. User Subscription
  2. Reminders
  3. Balance
  4. Check Clearings
  5. Daily Balances
  6. Loan Due
  7. Maturity
  8. Transactions
  9. Debit Card
  10. Secure Messages
To Set Up Account Alerts
  1. Log in to Digital Banking
  2. Click “Profile” > “Alerts”
  3. Choose the alert type you would like to set up and follow the prompts. There is no limit to the number of alerts you can set up.
  1. Log in to Digital Banking
  2. Click “Account Summary” > “Accounts” > “Member Statements”
Note: This will open a pop-up page. Click “Allow” if a pop-up blocker request appears. If you do not get a pop-up blocker message, you may need to access your browser settings and add our home page to your allowed websites list
  1. Log in to Digital Banking
  2. Click “Payments” > “Bill Payments” Note: This will open a pop-up page. Click “Allow” if a pop-up blocker request appears. If you do not get a pop-up blocker message, you may need to access your browser settings and add our home page to your allowed websites list.
  3. Click “Pay Bills”
  4. If you are currently enrolled in our Bill Payment service and you are the primary account owner, you will be automatically directed to the bill payment service. If you are not currently enrolled in our Bill Pay service, you will be prompted to complete a short enrollment form upon clicking “Pay Bills.” Once you have completed this enrollment form, you will be automatically directed to the Bill Payment service.
  1. Log in to Online Banking through a web browser. 
  2. On the Account Summary page, click the “Mastercard Platinum Rewards” account name.
  3. This will open a pop-up page to the credit card portal



Card Management is a tool to help you manage spending and prevent fraud on your debit and credit cards. Within Card Management, you can set up control preferences and alert preferences, report card fraud, turn your cards on/off, view recent transactions, and more.

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  1. Log in to Digital Banking
  2. Click "Cards" from the menu bar.
Add a card:
  1. Access Card Management in the Texas Bay app
  2. Click the “Add Card” plus sign. Note: if you already have a card added, you will need to swipe left to access the “Add Card” button.
  3. Enter your card number or click the camera icon to scan your card.
  4. Click “Continue”
  5. Enter your CVC2/CVV2 Security Code found on the back of your card
  6. Enter your address and ZIP code.
  7. Enter your card expiration date
  8. Click “Next/Done”
  9. Agree to the Terms and Conditions by clicking “Next” then “Accept”
Remove a card: 
  1. Access the Card Management in the Texas Bay app
  2. Click the gear icon in the top right corner to access settings.
  3. Click "Show/Hide Cards"
  4. Deselect the card you wish to remove
  5. Click "Save"
You can set up alerts/controls in Card Management by selecting "Controls & Alerts" and selecting the type(s) of controls or alerts you'd like to enable.

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You can report your cards as lost or stolen and turn your cards on/off within digital banking.
  1. Log in to digital banking
  2. In the menu, select "Cards"
  3. Select the card you want to report and toggle the on/off option to off (If you find your card, you can then toggle the option back on)
  4. If you suspect fraud, scroll down to "Report Lost or Stolen" and follow the steps to contact us immediately so we can close your card and issue you a new one.
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To Make a Payment from a Texas Bay Account
  1. Log in to Digital Banking
  2. Click “Payments” > “Loan Payments”
  3. Select the account you will be transferring money from and the account you will transfer money into.
  4. Select the amount you would like to transfer.
  5. Select a scheduling option
    1. Select “Immediate” to make a one-time payment immediately
    2. Select “Future” to schedule a one-time payment for a future date
    3. Select “Recurring” to schedule recurring payments
  6. Click “Submit”
To Make a Payment from an External Account
  1. To make an external payment
    1. Log in to Digital Banking and click "Payments" > 
      "Pay Loan with External Account" OR
    2. Visit our website and click "Menu" > "Personal" > "Loans" > "Pay Your Loan" >  "Pay Your Texas Bay Loan from Another Financial Institution or Credit Card"
  2. If this is your first time making a payment from another bank, click "Express Pay" at the bottom of the page
  3. Enter your full social security number, first name, last name, email address, and date of birth
  4. Click "Next"
  5. Choose the account loan you'd like to pay and click "Pay Now"
  6. Choose between Paying with Card or Paying with Bank Account and click "Next"
  7. Enter your payment information
  8. Enter the amount you wish to pay. Note: There is a $5 convenience fee for utilizing the payment service
  9. Click "Next"
  10. Review that the payment information is correct and click "I agree to the following"
  11. Click "Submit Payment"
  12. You will receive an email confirmation to the email address provided, and your payment will post to your account within 24-48 business hours
To Add an External Account
  1. Log in to Digital Banking
  2. Click “Transfers” > “External Accounts” > “Add External Account”
  3. Complete the instructions to set up an external account.
To Transfer Money to an External Account
  1. Log in to Digital Banking
  2. Click “Transfers” > “Create/Edit Transfers”
  3. Select the account you will be transferring money from and the account you will transfer money into.
  4. Select the amount you would like to transfer.
  5. Select a scheduling option. Note: Scheduled transfers occur on weekdays by 4:00 pm.
    1. Select “Immediate” to make a one-time payment immediately
    2. Select “Future” to schedule a one-time payment for a future date.
    3. Select “Recurring” to schedule recurring payments
  6. Click “Submit”
  1. Log in to the Texas Bay app
  2. Click “Deposits” at the bottom of the screen
  3. Select the account you’d like the check deposited into
  4. Enter the amount written on the check
  5. Click “Front of Check” to take a photo of the front side of the check. Note: Be sure to take the picture in a well-lit area, be sure the check fits in the designated box are as shown on the screen, and try to make sure the photo is clear and not blurry
  6. Endorse the back of the check as follows:
  7. On the first line, write “For Mobile Deposit Only”
  8. On the second line, write the full account number of the account you wish to deposit the check into
  9. Sign your name under the first two lines
  10. Click “Back to Check” to take a photo of the back side of the check.
  11. Click “Deposit”  
Note: If you receive an error, please retake the photos and try again. Be sure the written amount matches the amount entered. The maximum deposit limit is currently $3,000.
Most checks will post after a three-day hold, but it could take up to nine-days for the hold to be removed.
 
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Check deposits made before 2:00 pm will be processed the same day. Checks deposited after 2:00 pm will be reviewed the following business day. Checks deposited Friday after 2:00 pm will be reviewed the following Monday unless that Monday falls on a federal holiday.

Mobile Deposit checks are subject to a general hold of 72 hours and funds may not be available right away. A longer hold between 3 to 9 days may apply.

Note: It can take 24-48 hours for a check to be viewable online after it has been cleared and posted.

  1. Log in to online banking
  2. From the Account Summary page, click the appropriate account name to be directed to the Account Activity page
  3. Locate the transaction. You can search for the transaction by entering the check number or narrow your search by data range, transaction amount, and transaction type
  4. Once the transaction is located, click on the check icon next to it
  5. The check image will appear in a new window. Note: This will open a pop-up page. Click “Allow” if a pop-up blocker request appears. If you do not get a pop-up blocker message, you may need to access your browser settings and add our home page to your allowed websites list
  1. Log in to online banking
  2. Click the envelope icon at the top of the page
  3. Select a category
  4. Choose the account your request is about if possible
  5. Enter a subject and fill in the message body
  6. If you have supporting documents you would like to add, click “Add Attachment” to attach your documents
  7. Click on “Send notification on receiving a response to this message” to be alerted when your message has been received and responded to
  8. Click "Send"
The Mobile Banking app allows you to message us 24/7! Click on the envelope at the top of the screen, or click on "Profile" in the main menu. The select "Messages" then "Compose New". No matter how small or complex, our team can handle it! You can also call during normal operating hours Monday - Friday.






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