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You can open an account by:

  • Clicking “Open Online” on any account page.
  • Over the phone at (903) 763-2264.
  • At your nearest BankTexas Store.

Overdraft Protection

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We may cover your overdrafts in two different ways:

  • We have standard overdraft practices that are a service of some accounts.
  • We also offer overdraft protection plans, such as a sweep from another account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.


What are the standard overdraft practices that may come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.


What fees will I be charged if BankTexas pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $24.95 each time we pay an overdraft
  • BankTexas will not assess more than $150 in overdraft and/or NSF fees to any individual account per business day.

For maximum coverage BankTexas can authorize and pay overdrafts on ATM and everyday debit card transactions. If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call us at 903-763-2264 or complete the opt-in/out form below and click submit.

Personal Information

  • OK First Name is required
  • OK Middle Initial is required
  • OK Last Name is required

Opt In Choice

  • I want BankTexas to authorize and pay overdrafts on my ATM and everyday debit card transactions

    OK I want BankTexas to authorize and pay overdrafts on my ATM and everyday debit card transactions is required

    If yes, Please choose if you would like to Opt In for all accounts or for specified accounts.

  • I want to opt in for:

    OK I want to opt in for: is required

Specified Accounts

  • OK Account Number 1 is required
  • Optional OK Account Number 2 is required
  • Optional OK Account Number 3 is required
  • Optional OK Account Number 4 is required

E-Signature

  • OK Last 4 of SSN is required
  • OK Email is required

    • I/We confirm that the Internet access device(s) I/we will use to receive the related legal disclosures, agreements and online account signature forms; and I/we consent to receiving the related legal disclosures, agreements, online account signature form and the instructions electronically. I/we confirm that I/we have read and understand the information regarding the right to opt in or decline this financial institution's paying ATM or one-time debit card transactions.

    OK Yes, I/We Confirm is required


    • I/we understand that I have an ongoing right to change this consent at any time.