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Using TDECU's Updated Balance Transfer Process

At TDECU, we're constantly improving to increase safety and make our Members' experience easier. Our latest improvement is with our Balance Transfer feature. This blog will walk you through how to use our balance transfer after this new update.

Using TDECU's Updated Balance Transfer Process

In four easy steps, you can transfer your credit card balance to your TDECU account. 

Step 1: Log In to Your Account

Logging in to your TDECU account is the first step. Now that the balance transfer feature is securely behind the login feature, this is necessary. If you don't have an account, you can create one here.

Logging into TDECU Digital Banking

Step 2: Navigate to the Transfer a Balance Tile

To transfer your balance, you must navigate to the transfer a balance function. First, click on the transfer and pay navigation item. Then scroll down to the bottom of the page and click the "Transfer a Balance" tile. That will start the process!

Step 3: Select Where to Transfer To and From

To process your balance transfer request, TDECU needs to know where you would like to transfer the balance from and to which card you would like it transferred. The first item you must select is which TDECU card you would like to transfer the balance to.

Selecting the TDECU Credit Card you want to transfer the balance to

After that, you will need to input your credit card number, the zip code of your financial institution, and the amount you would like to transfer. Please note: The amount you request to transfer must be more than $100.00 and less than the amount of credit you have available. 

Enter the finiancial instution information

Once you search, one or more institutions will populate. Multiple financial institutions may populate if you input only the first five digits of your financial institution's zip code. If that happens, select the financial institution from which you are transferring the balance from the list.


Transfer into a custom financial institution

Transfer from multiple institutions

It is possible that your institution is not on our lender table. If so, you will be prompted to input your financial institution's information.

Confirm your financial institution info


Step 4: Confirm Your Transfer

The final step is to confirm your transfer. To confirm your transfer, you must scroll through and read the entire disclosures. The "Submit" button will highlight at that point, and you can finalize your transfer request.

Balance Transfer Terms and Conditions

You will receive a confirmation email confirming your request has been received.


We hope this guide was useful in helping you complete your balance transfers. Questions can be directed to Member Care. Thank you!

Equal Housing Lender