Texell Credit Union

I came here to help my 17 year old son open his first account. It was sort of stressful for him.
The personnel were very nice and friendly and gave you that small town feel which is nice.
After opening the account it became for obvious what we got ourselves into. If you use your debit card as a debit card, Texell will charge $ 1.50 for each transaction. This is in addition to any charges the ATM will charge. Second, if you use your debit card as a credit card but attempt to purchase something which exceeds your current bank balance, then the charge is denied. You would of course expect this, the purchase is not approved. But what I didn’t expect is that Texell charges you $ 29 for each of these attempts. This is true even though the charge was never processed due to insufficient fund.
We tried to close the account but they would not let us, they said we had to wait 7 business days. I can promise you we will close it as soon as they let us.
This is predatory and I am surprised it is legal.

Love my Texell! Small town bank with big city services. The staff is friendly and helpful. They may work a little slower, but that’s because they invest time in their customers. Their mobile app is awesome too.

The service is so slow. They have no hurry about them they visit and giggle why there is 5 people in line. I have been waiting on someone about a loan while she’s had no one in her office not on the phone nothing for over a hour and still waiting. Will always take the time to go to Belton from now on