Helping You Bank with Confidence
At Texas Bay Credit Union, protecting your accounts and personal information is a top priority. We use multiple layers of security to help secure your information, monitor for suspicious activity, and enable you to stay in control of your accounts and finances.
24/7 Fraud Monitoring
We monitor card activity for potentially fraudulent transactions and contact you if unusual activity is detected. In the event that we identify a suspicious transaction, you will receive a text message so you can quickly verify whether it is legitimate.
Data Encryption
When you access Digital Banking on a browser or our mobile app, your information is encrypted to help keep your personal and financial data secure.
Secure Sign-In Technology
Access your accounts confidently using the security features available on your device, including Face ID®, Touch ID®, and fingerprint authentication where supported.
New Device Verification
When we detect a login from a new device or browser, we send you an email notification to help you stay informed about activity on your account.
One-Time Passcode Authentication
For first-time online banking logins, we use one-time passcodes to verify your identity and add an extra layer of protection.
External Transfer Verification
To help prevent unauthorized activity, we send confirmation notifications when external accounts are added and when external transfers are initiated.
Card Controls
Misplaced your debit or credit card? Your Digital Banking account comes with the ability to lock or unlock your card from your phone, helping you maintain control if your card is lost, stolen, or temporarily misplaced.
Account Alerts
Your accounts come with options to customize alerts and notifications to stay informed about important account activity, balances, transactions, and more.
Credit Monitoring
You have the ability to monitor your credit at any time through Credit Sense, powered by SavvyMoney®. Receive insights into your credit profile and stay informed about changes that may affect your financial well-being.
Paperless Statements
Reduce the risk of mailed statements being lost or intercepted by enrolling in eStatements and accessing your account documents securely online.
Send Money Securely
Your Digital Banking account comes with the ability to send money to friends and family using Zelle® without having to share your account number or sensitive financial information.
How You Can Help Protect Yourself
It's up to both us and you to protect your account. Here's how you can do your part:
· Monitoring your account activity regularly
· Setting up account alerts
· Keeping your contact information current
· Using strong, unique passwords
· Taking advantage of biometric sign-in options when available
· Locking your card immediately if it is lost or misplaced
· Contacting us promptly if you notice suspicious activity
If You Suspect Fraud
If you notice suspicious activity on your account or believe your information has been compromised, contact Texas Bay immediately. Acting quickly can help limit potential losses and allow us to take steps to secure your accounts.
Our team is here to help you review account activity, secure your accounts, and guide you through the next steps.
Frequently Asked Questions
How will I know if suspicious activity is detected?
If potentially fraudulent card activity is identified, you may receive a text message asking you to confirm whether the transaction is legitimate.
Can I control my cards from my phone?
Yes. Through Digital Banking, you can lock or unlock your eligible cards whenever needed.
Can I receive alerts about my account?
Yes. You can customize account alerts and notifications to help monitor activity and stay informed.
Does Texas Bay offer credit monitoring?
Yes. Credit Sense, powered by SavvyMoney®, provides access to credit monitoring and credit score insights.
Where can I find Texas Bay's account and privacy information?
Your account and privacy information can be found in our Membership Agreement and on our Privacy Policy page.
Bank With Confidence
We are committed to helping protect your accounts with secure technology, fraud monitoring, account controls, and member-focused support. Whether you're banking online, through our mobile app, or in a branch, we're here to help you stay secure every step of the way.