VISA® Business checkcard

Business checkcard image
A convenient alternative to writing checks that also allows ATM access to your money.


  • Use your VISA® Business checkcard to access checking account funds and as your ATM card 
  • Accepted online and at retail stores worldwide through VISA®
  • Extra SECURITY with individual Personal Identification Number (PIN)
  • FREE 24-hour service at ATMs located at all of our branches, many local Walgreens locations, and over 55,000 surcharge-free Allpoint ATMs. Click here to see a list of ATM locations.
  • FREE VISA® Business checkcard with NO monthly fee for Commercial Super NOW Advantage.
  • Lower credit card interest rates for Texas Bank and Trust VISA® Business checkcard holders who apply and are approved for one of our Texas Bank and Trust VISA® Credit Cards
  • Eligible for Overdraft Privilege*
*Texas Bank and Trust will charge a paid/return item fee of $30 for each item that overdraws an account. This fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, point-of-sale ("POS") transaction, or other electronic means.Texas Bank and Trust is not obligated to pay any item initiated for payment against your account if your account does not contain sufficient collected funds. The amount of any overdrafts including our fees that you owe the bank shall be due and payable immediately. Whether your overdrafts will be paid or not is discretionary and Texas Bank and Trust reserves the right not to pay. For example, Texas Bank and Trust typically does not pay overdrafts if your account is not in good standing, regular deposits are not being made to your account, or there are excessive overdrafts on your account.


  • Monthly Fee: $1.50 per month (fee is waived if you have a Commercial Super NOW Advantage.)
  • Each Additional Card Issued: $1.00 per month
  • TB&T ATM Fee: NO Charge
  • Off-Premise ATM Fee: $1.50 per withdrawal PLUS location’s fee
  • Off-Premise Balance Inquiry: $0.75 per inquiry 

Once you have completed the form, sign it and mail it to us or drop it off at your nearest Texas Bank and Trust location.

For lost or stolen cards, please call VISA® checkcard security at 1-866-546-8273.

For customer service during business hours, please call 903-252-3179.

VISA® Checkout 

Love shopping online, but hate all the hassles when it’s time to pay? VISA® Checkout is a digital payment service that can make online payment as fun and easy as online shopping. You can use it anywhere VISA® Checkout is accepted — on the go with your tablet or smartphone, or at home with your computer. 

Visa checkout logo To enroll your card, click the "VISA® Checkout " logo.

VISA® Purchase Alerts

Alerts powered by VISA® is a useful, relevant service that enables Texas Bank and Trust cardholders to monitor their account for fraudulent activity as well as their own spending habits—all in near real-time. This unique service is free for Texas Bank and Trust Visa cardholders. 

VISA Purchase Alerts Logo link

To start receiving VISA® Purchase Alerts, click the "VISA® Purchase Alerts" and enroll today.

Verified by VISA®

Verified by VISA® is a unique service that uses personal passwords to help protect VISA® card members against the unauthorized use of their card numbers over the Internet. Once you activate your card through Verified by VISA®, no one else can use your card number at any participating online store without your personal password. VISA® always protects its cardholders against unauthorized use, but Verified by VISA® helps to prevent unauthorized use online before it can even happen.

Verified by VISA logo.

To activate your card, click the "Verified by VISA®" logo and follow the prompts.

If You Plan to Travel Outside the U.S.

We strongly advise that you obtain the Visa security telephone number for the country or countries in which you will be traveling, in the event that you lose your card. Visit, and click on "Lost Your Card?" Select the country from the dropdown menu to find the security number. If your card is lost or stolen, call the number immediately. If you should lose your card or have it stolen en route to your destination, please call the following number to report the theft or loss:

  • VISA® checkcard: 1-866-546-8273
  • VISA®Credit Card: 1-800-325-3678