SERVICES
Services

In-Person & Online Banking for the Brownwood, TX Area

Mid-Tex Debit Mastercard

  • Members must own a Share Draft account to obtain a Mid-Tex debit Mastercard. The credit union debit card can access either shares or share drafts.
  • Since a debit card transaction replaces a paper check, our debit card insufficient fund fee (NSF) for debit card transactions is $25.00, which matches our NSF fee for paper items.  
  • You can use your debit card at any ATM for instant cash.
  • **Mid-Tex FCU does not charge a fee for initial debit card issuance.
  • It should take about 7 to 10 days to receive a debit card once it's ordered.
  • A debit card is not a credit card! With a debit card, you are accessing funds in your account at the credit union.
  • Some Share Draft account owners have found it convenient to have an overdraft protection line of credit loan in place. Apply with us if you would like one.
Card Safety
For your protection, please:
  1. Keep your Mid-Tex Debit Mastercard in a safe place and memorize your PIN number. Do not write your PIN number anywhere.
  2. Never allow anyone to use, borrow, or obtain your Mid-Tex debit Mastercard or PIN. If you do so, you take all responsibility for all transactions made by that person, or by anyone else to whom that person gives the Mid-Tex debit Mastercard or PIN until you notify us.
  3. Call 1-800-472-3272 and notify Mid-Tex FCU immediately of any loss, theft, or unauthorized use of your Mid-Tex Debit Mastercard or PIN.
  4. When using any ATM at night, be sure you are in a lighted area and if possible, bring along a friend. If someone in the area looks suspicious, choose another ATM in a safer location.
  5. Have your ATM card ready to insert into the machine before arriving at the ATM so you do not have to reach into your purse or wallet while standing in front of the ATM.
  6. Stand between the ATM and people waiting to use the machine, so others cannot see you enter your PIN and perform your transaction. Put your money and receipts away before leaving the ATM.
  7. Do not fall for any "con" games. If anyone asks you to withdraw money for any reason, leave the area at once. Notify Mid-Tex FCU as soon as possible.
  8. Never give information about your ATM account to strangers or inquiries on the telephone. Communicate this information only to the Mid-Tex FCU, or its representatives.
  9. To report lost or stolen Mid-Tex debit cards, call 1-800-472-3272.
  10. Contact the Credit Union to order replacement card(s).
MTFCU CardValet
The CardValet app lets you control all your debit cards. Save time and gain peace of mind knowing you can control the cards in your wallet with the smartphone in your pocket. Features of the app include:
  • Real-time notifications when your card is used.
  • Restrict transactions to a certain area using your phone’s GPS.
  • Set security preferences to match your spending habits for each debit card.
  • Set spending limits for every transaction.
  • Enable or disable your cards to be used within certain merchant categories such as gas, groceries, hotel, and travel.
  • Lock and unlock your card with a few taps on your smartphone.
Mid Tex FCU Mobile Phone App
Mid Tex FCU Mobile Phone App
Mid Tex FCU is a mobile app with smart technology that enables you to implement popular mobile banking functions, such as balance inquiries, transfers, alerts, and bill payments, all within a condensed time frame.

You must be signed up for Mid-Tex FCU’s online banking product, CU@HOME, to have the mobile app. If you are not taking advantage of CU@HOME, see any of your member service representatives for this valuable member service. Then, you can further expand your member service experience to take advantage of the Mid Tex FCU mobile app.

It’s easy to get mobile with your banking needs:
  • Log into your CU@Home
  • Click on the Self Service Tab
  • Click on the Mobiliti Link, and follow the instructions
Mobile capture deposit is now available on our mobile app! Snap a picture of the front and back of your check to deposit it into your account.

Disclaimer: You must send the picture before 3pm on Monday-Friday in order for it to be deposited that day. Anything sent after 3pm will not be processed until the next business day.

Online Banking - CU@HOME

Access your accounts online! Print out your account history, make loan payments, transfer money and much more - all with the click of a mouse. Complete almost any transaction at your leisure. There is no extra charge to obtain our online banking service!
  • Balance your Share Draft account at home or work, at any time of the day or night; 90 days of transaction history are stored online. Order new checks, stop payment on drafts, or order copies of cleared drafts through a secure email system.
  • To sign up for home financial services, visit the credit union during lobby hours, or log onto the credit union's home page for a link to CU@HOME.
NADA Book and PC NADA
Click on the NADA link on the Links page for pricing information on most used vehicles.
Night Depository
At the main office drive-thru located at 3808 Highway 377 South.
Bank Wires 
Funds can be wired to or from the credit union. Contact us for wiring instructions.
Teller Checks and Notary Public
Teller Checks
6 per month free for Premier & Premier Plus account holders, $2.00 per check for non-Premier account holders.

Notary Public
Free service to our members.

Available at nominal cost (no additional cost for Advantage checking members)
Safe Deposit Boxes 
Take advantage of our safety deposit boxes we have available for our members. Organize and protect your valuables, whether it’s legal documents, titles, collectibles, or photos. Come store them here in your own safety deposit box.

Annual prices are:
3x5 Box $15.00
5x5 Box $20.00
3x10 Box $25.00
5x10 Box $40.00
10x10 Box $55.00

Contact one of our member service reps for additional information. Check with your insurance agent for safety deposit box content insurance.
Coin Counter Services
No fee for Premier account holders. There is a 5% fee for non-Premier account holders. There is a 10% fee for non-members. 

Mid-Tex FCU has a self-service coin counter machine available to its members, located inside the lobby.
Loan Skip-A-Payment
Members in good standing may apply to the credit union once a year to skip a monthly payment on most loans for a fee of $25.00 for each loan approved. For example, with approval you may skip a January or February payment and use that money instead for post-Christmas expenses. Ask us for details.

Loans not included in this program are credit cards, overdraft protection, real estate, or closed end (term) loans.

For more information, please don't hesitate to contact us today! Our services and personal loans extend to clients throughout Brownwood, TX and the Brown County area.
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