What’s New 

See What’s New

Visit this page to see what’s new at Mid-Tex Federal Credit Union!
MTFCU - Tap to Pay Debit Cards are here! 

Key Takeaways:

  • Contactless debit cards are the fastest way to pay.
  • Contactless technology uses one-time codes to keep your payments secure.
  • Look for readers with the EMVCo Contactless Indicator ().

 

What are the benefits of a contactless debit card?

The primary benefit of contactless payments is speed. With a contactless debit card, you can make a payment with a tap of the card, reducing the amount of time spent waiting for a payment to process. This can be particularly useful in environments where speed is particularly beneficial, such as food trucks, outdoor markets, or stadiums – and comes with the benefit of a more sanitary checkout experience for those who practice extra care in public spaces.

 

Are contactless payments secure?

Yes. Contactless debit cards use short-range radio frequencies to transmit a one-time-only code between your card or mobile device and the card reader. This makes it extremely difficult for any bad actors to access your card information. MasterCard provides the same Zero Liability Protection for unauthorized transactions and the contactless feature guards against double payments.

 


Money Pass ATMs
• Starting April 22, 2026, MTFCU members can withdraw cash without paying ATM fees at any ATM in the MoneyPass network.
• There are about 38,000 ATMs nationwide in this network.
• To avoid fees, just look for the MoneyPass logo on the ATM.
• You can find nearby locations by visiting their site: www.MoneyPass.com

New Online Banking Security Feature
MTFCU is committed to protecting your personal information. To enhance the security of your online banking experience, we are introducing an additional login security feature that adds another layer of identity verification to your online financial interactions. How does the new security feature work? When you log in to online banking from your computer, you will receive a message on your phone containing a 6-digit verification code. This code will be delivered via text message or voice call. To complete the login process, simply enter the code on the login screen. This new feature replaces the use of security questions and provides a more secure way to verify your identity. The same protection is also available when using the mobile banking app. This added step helps ensure that only you can access your account—even if someone else knows your password.

MTFCU ATM Deposits

Our ATM offers a convenient solution for both cash and check deposits. Here’s how it typically works:

1. Prepare Your Checks: If you have checks to deposit, sign the back of each one. You don’t want to hold up the line at the ATM by searching for a pen to endorse your checks. 

2. Insert Your Card and Enter PIN: Insert your MTFCU debit card at the card reader and enter your PIN. This step acts as a security measure to access your funds.

3. Select Account: Choose the account where you want to deposit your cash or checks. If you have multiple checking and/or savings accounts, the ATM will prompt you to specify where the funds should go.

4. Deposit Process: Stack your currency bills & checks together and insert them. You can insert dozens of bills and checks at once; no need to feed them individually or fill out a deposit slip.

5. Verify and Complete: Confirm the deposit amount, and you’re done! The ATM will process your transaction.

Note: Check deposits are subject to MTFCU’s Funds Availability Policy





MTFCU Credit Sense

Introducing Your Credit Score and More. Anytime, Anywhere and FREE!

As a member of Mid Tex FCU, we want to provide you with all the resources that you need to take control of your financial health. That is why every member has full access to Credit Sense, built right into our MTFCU online banking and our MTFCU mobile App. 

With Credit Sense, staying on top of your credit has never been easier! 
Benefits of Credit Sense:
• Access to your Credit Score & Report
• Real time Credit Monitoring Alerts
• Personalized Credit Score Action Plan
• Credit Score Simulator
• Credit Score Goals
• Special Credit Offers….And More!

Best of all, as a MTFCU member, you have access to all the resources within Credit Sense for FREE, without impacting your score.


Loan Rewards - Effective 02/20/26

We are rewarding our members for utilizing various MTFCU products and services with loan rate discounts as follows:

Auto transfer of loan payment: 0.20

MTFCU Credit Card: 0.20

MTFCU Premier Checking: 0.20

Existing/Multiple MTFCU loans: 0.20

U.S. Veteran/First Responder: 0.15

Borrower's CB Score >799: 0.15

Just think; you can reduce your great Annual Percentage Interest Rate (APR) that you receive from Mid-Tex FCU by up to an additional 1.0%, just for using our products and services.

(Maximum discount is 1.0% reduction, & program excludes mortgages, land financing, credit cards, overdraft protection & shares, CD secured loans, and home equity loans.)
MTFCU Refer a Friend!
You love your credit union, so why not tell your friends, family and coworkers about all the great accounts, products and services that Mid-Tex FCU has to offer them? And we love our members so much that when you refer someone to Mid-Tex FCU and they join the credit union, we will show our appreciation to you with an referral “thank you” of up to $50.00, just to say THANK YOU for being a member of our Mid-Tex FCU Family!

Mid Tex FCU Round-Up 

Our members now have the option of utilizing our Mid Tex FCU Round Up savings feature. With this feature turned on, every time you use your debit card – the transaction will round up to the nearest dollar and deposit the extra $$ into your savings account. For example: you make a purchase with your debit card for $4.44, the transaction rounds up to a total of $5.00 and the $4.44 will go to the merchant and the difference $0.56 will be deposited to a savings account of your choice. This is a great way to assist you in building up your savings account!
Re-Order Checks
It’s now easier and more convenient than before to re-order checks for your MTFCU Checking account. Just simply visit our website www.mtfcu.org and using the drop-down menu on the “OTHER” TAB and select Re-Order checks. Then input your account number and the next check start number and the system will automatically re-order your checks. If you need to make a change to your checks, call one of our member service reps and they will assist you with that change.