Services
At ALLIANCE Credit Union, we’re committed to making your financial life easier. Explore our range of services designed to help you save, borrow, grow, and manage your money with confidence—no matter where life takes you.
Wherever your life takes you,
ALLIANCE is right there with you.
OVERDRAFT PROTECTION
Life Happens – We’re Here to Help
Unexpected expenses or timing issues can leave your checking account short. That’s where our overdraft options come in—so you don’t have to worry about declined payments or hefty return-check fees.
Your Overdraft Coverage Options
Overdraft Protection
· If you have money in another ALLIANCE account, we’ll transfer it to your checking account when needed.
· No transfer fee.
Courtesy Pay
· Courtesy Pay helps cover transactions when your checking account does not have enough money.
· If you don’t have funds available in another ALLIANCE account, Courtesy Pay may cover your transaction based on your recent direct deposits.
· We may cover up to 75% of your total direct deposits from the previous 35 days, up to a maximum of $1,000.00.
· Courtesy Pay may be used for checks, automatic payments, recurring debits, and more up to your approved limit.
· A fee applies each time we pay an overdraft item.
· Courtesy Pay can be stopped at any time if it is being overused or abused.
Optional Coverage for Debit Card/ATM Transactions
· By default, we don’t cover ATM transactions or one-time debit card purchases with Courtesy Pay unless you ask us to.
· If you want this additional coverage, contact us to let us know. You can revoke your coverage selection at any time by contacting us in writing or by phone.
How Much It Costs You
- A fee of $24 is charged each time we pay an overdraft transaction.
- A $3 daily negative balance fee is charged if your balance is negative at the end of the day. This applies each business day until you bring your account back to a positive balance.
- A $24 NSF (non-sufficient funds) fee for each item we’re not able to cover and that gets returned.
- There is no maximum number of overdraft or NSF fees that may be charged.
Who Qualifies for Courtesy Pay
- Courtesy Pay is available on personal checking accounts with a recurring direct deposit of at least $500 per month.
- Your account must return to a positive balance at least once every 35 days.
- Courtesy Pay is discretionary. We are not required to cover every overdraft, and some transactions may be declined.
Important Things to Know
- We do our best to cover overdrafts, but we don’t guarantee that every transaction will be paid.
- You can opt in or opt out of optional coverage for ATM and debit card transactions any time by contacting us.
- Use online or mobile banking to track your balance—staying aware helps you avoid costly overdrafts altogether. (Good account management is always your best protection.)
ONLINE BANKING
Enroll in Online Banking
It’s an incredible convenience to be able to manage your money 24/7 from your home, office, or anywhere life takes you.
- Sign up right here on our website
- Visit a branch if you need more help
- Security safeguards protect your financial data
MOBILE BANKING
Let’s help your smartphone reach its full potential
Downloading tunes, taking photos, texting friends. Your phone can do a lot of things, though not all are of equal importance. But tracking your finances and moving money where it needs to go is way up there on any priority list. And that’s what makes the ALLIANCE Mobile App special.
No matter where you are in Texas or beyond, you can use your fast fingers to access your accounts without missing a beat. This service is free to our members and works perfectly fine with those fancy smart watches as well. Which only seems fitting, since our Mobile App is so good at saving you time.
- Mobile banking services available 24/7
- Check your account balances
- Pay your bills in a matter of minutes
- Transfer funds between accounts
- Deposit checks using your phone or tablet camera
- View a list of recent transactions
ALLIANCE CU Mobile Banking.
For assistance with deleting your ALLIANCE internet banking profile, please call (806) 798-5554.
Please note: deleting your internet banking profile will not close your ALLIANCE account(s).
BILL PAY
Because your time is better spent on other things
Your idea of a perfect evening might involve binging on a favorite show or chowing down with friends on some tasty Texas barbecue. Sitting down with a checkbook and a batch of bills is probably pretty low on the list. ALLIANCE can help you cut that monthly chore down to size.
Our online Bill Payer service lets you pay everything you owe in a matter of minutes. Make quick work of one-time charges or schedule payments of recurring bills – like utilities – well in advance. That means you won’t miss any more due dates – or miss out on any more fun with your friends.
- Access Bill Payer through Online Banking
- Make payments any hour of the day or night
- Easy scheduling helps reduce the risk of late payment fees
- No charge if you make three or more payments per month (otherwise, a $5 fee will be assessed)
- Security safeguards protect your private financial information
e-ALERTS
Your car’s fuel gauge lets you know when you’re almost out of gas. Your smartphone lets you know when your battery is losing its charge. So wouldn’t it be nice if you got instant info when your ALLIANCE checking account is running low? Sure, we can make that happen.
When you sign up for eAlerts, you receive timely messages from us about your transactions. In addition to account balances, you can find out when deposits are ready for your use and when checking payments have cleared. You can even sign up for personal reminders about bill due dates and other important tasks—because, hey, you’re busy, and we have plenty of time to keep in touch.
eAlert Set Up
- Log in to Online Banking.
- Open the Main Menu (three stacked lines).
- Select eAlerts under Services.
- Choose your notification preferences.
eAlert Maintenance
- Log in to Online Banking.
- Open the Main Menu (three stacked lines).
- Select eAlerts under Services.
- Choose the alert you want to delete or click New eAlert to create a new one.
- Use the drop-down menus to set up or adjust your alert.
Banking Solutions
Empowering Your Financial Journey
— Personal, Home, and Business
Take Control of your Finances!
From everyday banking to personal loans, ALLIANCE Credit Union offers smart personal banking and borrowing options designed with our members in mind!
Let’s Get you Home!
ALLIANCE Credit Union's Home Loan Center has multiple ways to assist you getting into your new home.
Financing built for every property
From storefronts to front doors, we’ve got your loan needs covered.
We Are Here to Help
Calculators
Convenient and easy to use, our calculators provide good data to make better decisions.
Education
Access our Financial Education articles for the most important financial decisions of your life.
Rates
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