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?
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 AN 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 Protection

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:
Service
Cost
Overdraft Protection Link to
Another Deposit Account
you have at Texas Heritage Bank
$0 fee per transfer
Overdraft Privilege
$30 overdraft fee per item.
Contact us at (830) 249-3955 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.
TRANSACTIONS COVERED
WITH OVERDRAFT PRIVILEGE
STANDARD COVERAGE
(NO ACTION REQUIRED)
EXTENDED COVERAGE
(YOUR CONSENT REQuireD)*
Checks XX
ACH - Auto Debits XX
Recurring Debit Card Payments XX
Online Bill Pay Items XX
Internet Banking Transfers XX
Telephone Banking XX
Teller Window Transactions XX
ATM Withdrawals X
Everyday Debit Card Purchases X
*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

If you would like to select Extended Coverage for future transactions: call us at (830) 249-3955 or Cross Plains at (254) 725-6141, complete the online consent form or visit any branch.

You can discontinue the Overdraft Privilege in its entirety by contacting us in Boerne at (830) 249-3955 or Cross Plains at (254) 725-6141.
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 ($150) per day we will charge. We will not charge an overdraft fee if a consumer account is overdrawn by $10 or less. These exceptions do not apply to business accounts.
  • Good account management is the best way to avoid overdrafts. Use our mobile banking, Internet banking, and telephone banking services to keep track of your balance.
  • The $30 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 $30. 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.
  • Except as described in this letter, Texas Heritage Bank will not pay items if your account does not contain available funds (including the Overdraft Privilege limit) to cover the item(s) and the amount of any fee(s).
  • 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 at 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 Protection or Overdraft Privilege, please call us at (830) 249-3955 or visit a branch.

REPORT A LOST OR STOLEN CARD

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.