FAQ’s

You qualify for membership with HOTFCU if you, your spouse, or family member, live, work or worship in the following counties:

Or

Civilian, military personnel of the United States Government, and active reserve units living or working in:

• Hill
• Bell
• Bosque
• Coryell
• Limestone
• McLennan

With Courtesy Pay, overdraft items presented in your checking account may be honored by Heart O' Texas Federal Credit Union up to your approved limit.  Yes, you will incur a Courtesy Pay fee from HOTFCU, however, you save the potential returned item fee assessed by the merchant.

 

A Courtesy Pay fee is assessed at $30 per-item. If you overdraw your account with an NSF item that is paid by HOTFCU, the cost to you is $30 for EACH item presented and paid.

 

Courtesy Pay is applied in the order in which items are presented.

 

Any overdraft amount, plus a per-item Courtesy Pay fee is due and payable within 15-days or less. All deposits you make will first be applied to recovering any overdrawn balance.

 

Yes. To opt-in or out of Courtesy Pay, visit or call your local branch.

You may also print the Courtesy Pay Opt-In Agreement Form (Link to PDF) and mail, email or fax the form to your local branch:

To receive eStatements, first you must sign up for Online Banking.

eStatements will be available online for a period of at least 12 months. The oldest statements will be deleted, as more recent statements become available.

If you would like to store your eStatements longer, you can print or download.

Direct deposit has various setup requirements depending on the type of check being deposited:

Payroll – Contact the payroll department at your place of employment for instructions. Your company will ask you to provide a voided check or deposit ticket, which has your account number and bank routing number on it.

Government – A form 1199A is needed for any direct deposit request for a Social Security or Tax Refund check. The form is available through the applicable government agency, online, or at Heart O’Texas FCU. The Credit Union must complete a section of the form before it is submitted.

Dividend Checks – Contact the company that issues the tax or corporate dividend check for their specific instructions. The company will request your account number and the credit union routing number in order to complete this request.

Incoming domestic wire transfers require special instructions, must be received in US dollars and are subject to a service fee. Please refer to your fee schedule or contact us if you have further questions regarding this service.

The beneficiary of all wires must be a signer on the account from which the funds are being withdrawn. The only exception is if the member is present or we have a previously signed authorization on file to wire funds to that particular beneficiary and bank. If a member requests a wire transfer by phone, the members must be called back prior to sending the wire transfer or Western Union wire. The phone number used as a call back number must be on the member profile for a minimum of thirty days, or was obtained from a public or private telephone directory.

Incoming International wire transfers require special instructions, must be received in US dollars and are subject to a service fee. Please refer to your fee schedule or contact us if you have further questions regarding this service.

Contact your local branch for wire information.

Each month when you receive your bank account statement you should review the transaction history to make sure that the information is accurate. If you discover a transaction that was made in error, you need to determine the type and dollar amount of the transaction. If you have questions or would like to report an error, please call contact your local branch or stop by any branch office.

You will need to provide detailed information about the transaction (such as the date and dollar amount, debit card number, whether or not the card is in your possession, and whether or not you gave your authorization for the charge). We will then investigate the transaction.

Current Balance – Your current balance is the amount of money that is actually in your account.

Available Balance – Your available balance is your current balance, plus any amount available to you with overdraft protection, if applicable, less any deposits that are not yet available or pending debit card transactions.

You can easily update your address via online banking, or complete and sign our change of address form and mail the form to us at:

Heart O’Texas Federal Credit Union
P. O. Box 11
Waco, TX 76703

*Form available on our website, within downloadable forms.

You will need to provide the following information:

• Name, Address and Phone Number of the receiving credit union or bank.
• The routing number of the receiving credit union or bank
• Name, Address and your account number at the receiving credit union or bank

You will need to provide the following information:

• Name, Address and Phone Number of the receiving credit union or bank
• The routing number of the US Corresponding credit union or bank along with their information
• Beneficiary Credit Union or Bank, address, and additional codes
• Name, full address and account number of the recipient of the wire