Frequently Asked Questions

What if my debit card was declined?

Debit cards have a $500 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 $500 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?

All deposits made after the business day ends at 3pm will post to your account the following business day. Your after-hours deposit won’t be reflected in your account’s available spending balance until after 3pm the following day. Also, any deposit made after 3pm on Friday won’t be available until the following Tuesday. (If the Monday after your Friday deposit is a bank holiday then your deposit won’t be available until the following Wednesday)

What if I need a username and password for Internet Banking?

From the home page, click on Internet Banking Enrollment; once you enroll you will be mailed your username and password in separate envelopes from Texas Heritage Bank. When you receive this information you will be able to log in and start using Internet Banking.

What if I want to start using Bill Pay?

By obtaining a username and password from Texas Heritage Bank for Internet Banking you have automatic access to Heritage Bill Pay. If you would like to use Bill Pay Plus, email your Texas Heritage Bank Customer Service Representative and they can assist you. If you are interested in Business Bill Pay you may enroll from our home page and your request will be sent for approval.

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 three incorrect password attempts. Call your local bank branch and request that your password be reset.

What if I forgot my username?

You will need to contact your local Texas Heritage Bank branch and upon satisfactory identification, your username may be disclosed.

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.