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TCB Online Banking
Bill Pay
How To Enroll
Frequently Asked Questions (FAQ’s)

TCB Online Banking

Welcome to Texas Country Bank’s Internet (Online) Banking. Handle your banking needs and manage your money 24 hours a day, seven days a week from the comfort of your home, office or anywhere you have internet access. Apply for this service in minutes at any of our offices.

TCB Online Banking provides you access to an assortment of banking services such as:

  • View your checking, savings and loan account information (including balances and history)
  • Reconcile accounts any time, obtain your statements online to eliminate paper
  • Transfer funds between accounts
  • Print account history
  • Obtain deposit rates
  • Make a loan payment
  • Order checks
  • Change your PIN
  • Review and/or print images from your transactions

TCB Bill Pay

TCB Bill Pay allows you to pay bills online without writing checks or buying stamps. You are able to pay anyone in the U.S. that you would normally pay by check or automated debit directly from your specified Texas Country Bank checking account. Payments are private, guaranteed to arrive on time, and are on a secured network. You just tell the Bill Pay system whom to pay and either an electronic payment or a check for the amount you have indicated will be issued.

  • You can pay anyone, anytime, anywhere in the U.S.
  • You specify the date that you want the debit made from your account (5-7 business days prior to the due date).
  • Setup “Single Payment” schedules
  • Setup “Repetitive Payment” schedules for car payments, rent, etc.
  • Setup “Multiple Payment” schedules to quickly schedule several payments.

How to Enroll

Enrolling for Online Banking is easy! If you have an account with Texas Country Bank, simply swing by any location to receive your temporary login and password. If you do not have a Texas Country Bank account, please visit one of our offices to establish your account relationship with us.
If you are a returning user, and already have an Access ID and Password
simply enter the information in the appropriate fields and click the “LOGIN” button.


Q: If I need assistance, whom do I call?
A: Please call (512) 261-0035 during normal business hours.

Q: What are the bank’s hours?
A: Our Lobby is open Monday through Thursday 9am to 4pm, Friday 9am to 6pm, and
Saturday 9am to 12 noon; Drive Thru is open Monday through Friday 7:30am to 6pm
and Saturday 9am to 12 noon.

Q: How do I get to the bank?
A: See the “Contact Us” page.

Q: What types of accounts does the bank offer?
A: Please visit our Personal or Business Banking Sections

Q: What are the current rates on all accounts offered by the bank?
A: Please refer to the Rates section of our site

Q: Where can I access my account from an ATM?
A: The bank has an ATM located at the main office in Lakeway, Texas and also our branch in Granite Shoals. You can also access from any ATM on either the Visa, Pulse, Cirrus or Shazam networks for a small fee.

Q: What precautions can I take to keep my information private?

  • Keep your password confidential.
  • Never let anyone else use it, and change it frequently.
  • Never pick a password that could be easily guessed.
  • Never leave your computer on with Online Banking active.
  • When finished, make sure you completely exit the system.

Q: Is Texas Country Bank’s Online Banking secure?
A: Yes! Texas Country Bank is deeply committed to the safety and security of all customer
information. We use the most technologically advanced ways to safeguard information,
including advanced encryption of your personal information. Employees have no access
to your password and will never ask for same.

Q: What is encryption?
A: Encryption is a process that scrambles sensitive information into a series of
unrecognizable characters so that it cannot be read or used by others.

Q: What if I forget my access ID and/or password?
A: When you initially login to TCB Online banking you will setup two password reset questions. You can reset your password online at any time using this method. Too many failed attempts using an incorrect password will lockout your account. Call our office during normal business hours if this happens and we’ll reset you in seconds after verifying your identity.

Q: How soon can I start making payments using Bill Pay?
A: You can start making them immediately. See next question for more details.

Q: How are payments delivered and how can I ensure that my payee receives my payment by the due date?
A: You may schedule payments to be generated as quickly as the day after you enter the request. Future one-time payments as well as any various repeating payment schedules can be setup in minutes. Although you can enter payment information 24/7, payments will only be initiated on business days. We may remit your payments by electronic funds transfer, or if the payee does not accept electronic payments, by mailing a check drawn on a special account we maintain for this purpose, or by some other appropriate means. Because of the time it takes to remit your payment to the payee, they will not receive the payment on the processing date (the date you instruct us to deduct the funds from the account). Therefore, in order to provide sufficient time for payments to be received by your payee, the processing date should be a minimum of five (5) business days before the bill’s actual due date.

Q: Why does it take five business days and sometimes more for payments?
A: Although a number of your payees accept payments electronically, many do not. For those that do not accept electronic payments, we must send a check to that payee via US mail. Once the payee receives the check, it may take a day or so for the payee to process and post the check to your account. Even for electronic payments, it may take two or three days for your account to be posted. Holidays and the busy Christmas mailing season must also be taken into consideration.

Q: What should I do if a payee has not posted my payment?
A: First, be sure to allow a minimum of five (5) business days for a payee to receive your payment. Contact your payee if your payee does not post your payment within ten (10) business days of the date you requested the payment to be processed; simply call (512) 261-0035 & we will follow up on the payment and get back to you within 24 to 48 hours.

Q: If I currently have an automatic debit for a bill coming out of my checking account, should I cancel this debit and use Bill Pay?
A: It is recommended that you NOT cancel any auto debit. Our main concern is that your bill be paid in a timely manner and safely. Auto debit handled directly thru your payee is still the most reliable.