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External Account Transfer FAQ

External Account Transfer FAQ

There is not a fee for using External Account Transfer.

A Texas Trust account in good standing, an account with another financial institution you are an authorized user on, Online banking, your external account’s routing number, account number, and the bank or credit union name.

New members will be able to use External Account Transfer after their account has been open for 30 days and is in good standing.

When adding an external account, Texas Trust will send two small trial deposits to the routing number, account number, and financial institution name you provide.

The trial deposit amounts will expire after 7 days.

External account transfers made before the 7:30 p.m. cutoff time generally take 1-2 business days to complete. This timeline can change due to holidays, environmental factors, and account status.

Yes! When creating a New Transfer, click on the Frequency dropdown menu. There you can choose from Weekly, Biweekly, Semi Monthly, or Monthly.

When using your Online Banking account as the originator of the transaction, you’re allowed INBOUND transfers of up to $1,500 per day and OUTBOUND transfers of up to $3,000 per day.

You may have up to 2 INBOUND transfers and/or 3 OUTBOUND transfers scheduled per day. The amount of the INBOUND transfers combined may not exceed $1,500 per day. The combined amount of the OUTBOUND transfers may not exceed $3,000 per day.

Recurring or external account transfers scheduled for future dates will count against the day the transfer is scheduled to occur.

You may have up to 3 external accounts enrolled.

When setting up a new account for External Account Transfer, two small trial deposits will be sent to the account number you provide. You will need to have access to the account in order to check balances and complete the setup process.

Currently, directly transferring to a loan or credit card using external account transfer is not available. However, you can set up a recurring transfer from an external account to your Texas Trust savings or checking account and then set up a separate recurring transfer from your share to your loan.

No. OUTBOUND external account transfers may only be originated from a valid Texas Trust checking account. INBOUND external account transfers may be directed to either a checking or savings account.

The amount you specified would either be withdrawn or deposited and the comment will read “External Acct. Xfer.”

In most cases, external account transfers scheduled before the 7:30 p.m. cut-off time will withdraw funds the next business day.

7:30 p.m. Central Standard Time

At this time, External Account Transfer is only available via logging into Online Banking using your internet browser on a desktop computer. If you’re using a phone or tablet, you may be able to login to the desktop version of online banking (thus allowing you to use External Account Transfer) using this link.

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