Frequently Asked Questions

General FAQs

Below are general frequently asked questions. For more specific topics not covered here, please refer below for links to specific website areas. If you need more assistance, please refer to our Help Center.

Specific Topic FAQs

• Apple Pay at TDECU
• Chip Cards
• Credit and Debit Card Fraud
• e-Documents
• Mobile Check Deposit
• Online Loan Payment
• TDECU Mortgage

What is the TDECU routing number?

The TDECU routing number is 313185515.

Can I reset my Online Banking password?

Yes. Simply click Forgot Password below the login on TDECU.org. You’ll need to enter your Login ID (either your Member Number or an ID you have selected) and then you’ll receive a secure access code to verify your identity. Once you submit your secure access code you will be prompted to create a new password.

View details and screenshots with our interactive PDF or via our downloadable PDF(13.3Mb).

I have locked myself out of my Online Banking account. Is there a way to unlock my account?

If you have made more than three invalid login attempts in less than 24 hours you must call TDECU at (800) 839-1154 to unlock your accounts. This security measure helps protect you from unauthorized access and fraud.

How can I update my address?

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

What is my Member Number?

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 Online Banking. Alternatively, you may locate your Member Number on your monthly account statement or stop by any TDECU Member Center location for assistance.

What is the direct phone number for my Member Center?

To efficiently handle your call, we have a central number, (800) 839-1154, that can service all of your needs. This includes getting in touch with your local Member Center as needed.

How do I pay my TDECU loan from another bank or credit union?

Visit our Make a Payment FAQs for more information.

Why is there a hold on my check or deposit?

A hold means that although a check amount was credited to your account, it's not yet available for your use. TDECU’s general policy is to make deposited funds available on the first business day after we receive a deposit. In some cases, however, we may place a hold on funds deposited by our Members.

What is the difference between my current balance and available balance?

Your current balance is the balance that's available for you to make purchases and withdrawals. This balance is updated throughout the day with transactions you make. Your available balance reflects any posted and pending transactions, as well as any holds. It does not include any checks you have written or deposits that have not posted. This balance is used in making payment decisions and determining returned or overdraft item fees.

Why did I not receive a call that my card was disabled due to fraudulent charges?

Please call TDECU at (800) 839-1154 to confirm your phone number is correct. You should also 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

How do I notify TDECU of my upcoming travel plans so that my debit and/or credit card will be available while I travel?

For debit cards, please notify TDECU at least 2 business days before your departure by sending Member Care a secure message in Online Banking or calling the number on the back of your card and providing the dates of your travel and the destination.

What is the status of my TDECU application?

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.

How I get my 10-day loan payoff amount?

To get your 10-day loan payoff amount, please contact TDECU Member Care at (800) 839-1154 or visit any TDECU Member Center.

What does ACH stand for?

ACH stands for Automatic Clearing House and is a way to move money between financial institutions electronically.

How do can I set up direct deposit and start getting paid early?

Setting up direct deposit is easy! For most employers you can simply fill out our direct deposit form and provide it to your HR or payroll department by email or by printing the form. Some employers may also allow you to simply provide the TDECU routing number (313185515) and your account number to get started. Visit our direct deposit page for details.