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Frequently Asked Questions

General FAQs

Below are questions frequently asked by our Members. For more specific topics, please refer below for links to specific website areas. If you need assistance, please visit our Help Center.

What is TDECU's routing number?

TDECU's routing number is 313185515.

Can I reset my Digital Banking password?

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.

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

Yes! You can self-serve and unlock your TDECU Digital Banking account or recover your username by clicking on the “Unlock/Forgot Username” button on the bottom right of the login page.

The self-service form allows you to unlock or recover your username or password.  You have up to 5 attempts before you are locked out of your TDECU Digital Banking account. 

If you are locked out, you then 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. 

To complete the form, you will need to provide your Member number, last name, date of birth, social security number, and locked username.

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

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

Are TDECU deposit accounts federally insured?

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

How can I update my address, name or phone number?

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.

What is the direct phone number for my Member Center?

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.

Why is there a hold on my check or deposit?

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.

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

Your current balance is the balance that is 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.

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 will be able to see your application status, upload documents, and correspond with us securely.

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

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.

How can I view career and job opportunities at TDECU?

You can view career and job opportunities on our website here. Interested in learning more about working at TDECU? Visit our new careers page!

How are additional payments applied to my personal (non-mortgage) loans?

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.