Real-Time Transactions

At TDECU, we’re here to deliver a convenient, on-demand experience for your financial life. Methods for moving money have evolved into the same real-time transaction solutions you’re used to in everyday life, such as making connections, downloading music and managing travel. Float time is going away and we are moving toward near real-time account balances. You will enjoy an enhanced Member Experience with a better, safer and faster movement of your money – including up-to-date transaction activity and balances within your accounts.

How should you prepare for these changes?

• Be aware of faster clearing times: You should not assume there will be a delay in payments clearing your account, even if there has been a delay in the past. Faster payments may result in the loss of ‘float time’ you may be accustomed to.
• Monitor account balances carefully: You should be extra diligent in keeping track of your available account balance. We recommended you keep a standing balance in your account to cover any items that may clear faster than expected.
• Review any automatically scheduled payments: You should take the time to review any automated payments you currently have scheduled because you may need to adjust payment dates to better align with payments possibly clearing faster.
• Take Advantage of TDECU’s Overdraft Protection Services: These services can serve as a “safety net” and help protect your checking account from becoming overdrawn as you become accustomed to how faster payment processing will impact your finances.