Frequently Asked Questions

TDECU's routing number is 313185515.

Yes! You can reset your password by clicking on the Forgot Password option, located directly under the login fields on either the desktop or mobile app. From the Forgot Password screen:

• Enter your username.
• Click on submit.
• Select the delivery method to receive your secure access code.
• Enter your secure access code into the provided field.
• Create your new digital banking password.

If you currently don’t have a username (that is not your Member number), you can create one by following these steps:

• Log in to TDECU Digital Banking.
• Click on Settings.
• Click on Security Preferences.
• Click on Change Username.
• Enter your new username.
• Click on Save.

Yes! You can recover your username by clicking on the Forgot Username option, located directly under the login fields on either the desktop or mobile app. From the Account Recovery page, select the Forgot Username Tab located directly under Account Recovery:

• Enter your Member Number (not your account number).
• Enter your Last Name.
• Enter your Date of Birth.
• Enter your Social Security Number.
• Select the delivery target to receive your username.
• Click on Continue.
• You will receive an onscreen message that says your login retrieval was successful.
• You will receive your username based on the delivery target you chose. 

If you continue to experience issues, please call us at (800) 839-1154.

Yes! If you are locked out, you have two options:

• Wait 1 hour from your last attempt to try again OR
• You may unlock your account immediately by using the Unlock Username Form.

You can do so by clicking on the Unlock/Forgot Username option, located on the bottom right of the login page.  From the Account Recovery page:

• Enter your Member Number (not your account number).
• Enter your Last Name.
• Enter your Date of Birth.
• Enter your Social Security Number.
• Enter your locked username.
• Click on continue.
• You will receive an onscreen message that says your account recovery unlock was successful.

If you continue to experience issues, please call us at (800) 839-1154.

Your Member Number is the number used to identify you as a Member of TDECU. All of your relationships with TDECU fall under this number. To find your Member Number, you can log in to digital banking. Alternatively, you may locate your Member Number on your monthly account statement or stop by any TDECU Member Center location for assistance.

Yes, all TDECU deposit accounts are insured up to $250,000 by the National Credit Union Administration (NCUA). 

You may update your address or contact information one of two ways: (1) Submit your new address and contact information using the My Profile form in digital banking or (2) call TDECU at (800) 839-1154 to request an address or contact information change.

We do not have dedicated phone numbers for each of our Member Centers. To efficiently handle your requests, we ask that you call our central number –(800) 839-1154 – so we can service all your needs, including putting you in touch with someone at your local Member Center when needed.

A hold will be placed on funds deposited with a check and the full amount may not be available for immediate use. TDECU’s general policy is to make deposited funds available on the first business day after the funds are deposited. In some cases, however, we may place a longer hold on check deposits which will be reflected on your receipt.

Visit our Make a Payment page for more information.

Your current balance is the amount of money that is actually in your account at any given time, but not all funds included in the current balance are considered "available" for transactions on your account. Your available balance is the amount of money in your account that is available to you to use without incurring an overdraft fee. The available balance takes into account factors such as holds placed on deposits and pending transactions that TDECU has authorized but that have not yet posted to your account.

You may not have received a call because the phone number we have on file for you is incorrect. To confirm we have your correct phone number, call TDECU at (800) 839-1154. We also suggest you save Falcon Fraud Protection’s phone numbers in your phone to ensure you recognize the call:

• For debit cards: (866) 236-7970
• For credit cards: (888) 918-7313

For credit cards, log into Digital Banking and in the Service Center tab, click on Manage Cards and then Travel Notifications.

For debit cards, log into Digital Banking and in the Service Center tab, click on Manage Cards and then Travel Notifications.

If you have already applied for a loan, credit card, or deposit account, you can view your application’s status by visiting the Application Status Center. You’ll be able to see your application status, upload documents, and correspond with us securely.

You may get your 10-day loan payoff amount by calling Member Care at (800) 839-1154, sending a secure message via digital banking, or by visiting any TDECU Member Center.

ACH (Automated Clearing House) is an electronic deposit to, or withdrawal from, your account that TDECU receives or sends through the ACH network.

Setting up direct deposit is easy! Simply fill out our direct deposit form and provide to your payroll department. Some employers may also allow you to provide our TDECU routing number (313185515) and your account number to get started. Visit our direct deposit page for details.

You can view career and job opportunities on our website here.

Payments to any TDECU personal (non-mortgage) loan will satisfy all interest due first with the remaining amount applied to the principal balance. If you pay more than the regular payment amount, the surplus will be applied to the principal balance and may satisfy a portion of your next payment.

For example:

You have a $300 monthly auto loan payment. For this month, $100 of accrued interest will be applied and the remaining $200 will be applied to the principal balance. If you pay $1,000 in a single payment, that same $100 of accrued interest will be applied and $200 will be applied to the principal balance. The remaining $700 will be also be applied to the principal balance and advance your due date into the future.