Between Wednesday, September 21, 2022 and Friday, September 23, 2022, we will be transitioning you to Texas Capital Bank’s online banking experience. Beginning at 7 a.m. CT on September 21, your accounts will be temporarily inaccessible as we complete the migration process. On September 23, customers navigating to will be redirected to, where you can access your accounts with your existing BankDirect credentials. 

BankDirect Customer Support will be closed for Independence Day on Monday, July 4, 2022. We will be back to our normal 8:00 AM to 6:00 PM customer support hours on Tuesday, July 5, 2022.

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BankDirect Visa® CheckCard

BankDirect Visa® CheckCard

Now with chip technology and Apple Pay™

Introducing an easier way to make all of your everyday purchases with increased flexibility, enhanced security and greater convenience — all in one card from BankDirect.

A growing number of merchants in the U.S. and abroad are using chip card readers, which take advantage of new chip technology, as a more secure method of payment. Your BankDirect Visa® CheckCard makes payments easy with an embedded chip and magnetic stripe.

Thanks to the latest in chip technology, each transaction generates a unique, one-time code — providing an added layer of security from fraud when your card is used at a chip card reader.

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We rely on the latest technology and strategies to protect your account from fraud:


Manage your debit card usage through your mobile device by defining when, where and how your payment card is used with CardValet. Learn more about CardValet.

Chip technology

When your card is used at a chip card reader, each transaction generates a unique, one-time code, providing an added layer of security. Learn more about chip technology.


For added protection, your card provides a daily $4,000 point-of-sale limit, along with a daily ATM limit of $500. See the General Terms and Conditions Disclosure for more details.

Real-time fraud monitoring

When debit card transactions fall out of your normal spending patterns, we’ll contact you to make sure the transaction is actually yours. 

Visa® zero liability protection

With Visa Secure, you’re not liable for any unauthorized debit card transactions when you notify the bank promptly. 

Additional protection

For added protection, your card provides a daily $4,000 limit along with a daily ATM limit of $500 and can be linked to either a checking or money market account. Cards linked to savings and money market accounts have access to ATM withdrawals only.

Savings and money market accounts have regulatory transaction limits. Read the Terms and Conditions Disclosure for more details.

Apple Pay™

Enjoy an easier way of paying with supported devices in stores or within apps with Apple Pay™. Setup is simple, and you can start using Apple Pay™ as soon as you add your Visa® CheckCard to Passbook® on your supported device.

iphone pay

More ATM locations

Access cash at more than 55,000 surcharge-free ATM locations, including many in retailers like 7-Eleven, CVS, Walgreens, Kroger, Safeway, Costco and more. Find a surcharge-free ATM location near you.

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Surcharge-free guarantee

BankDirect guarantees you will not pay a surcharge at any Allpoint® ATM. Some locations may have more than one ATM, and not all are part of the Allpoint® network. Check the ATM for the Allpoint® logo to ensure it's the right one. If you ever have a surcharge from an Allpoint® ATM, contact us at 1-877.839.2737 and we will refund the surcharge while we check into the error.

Please note: If you're prompted to accept a surcharge, press "yes" to accept and proceed with your withdrawal. You will not be charged, or we will refund your fee.

ATM User Precautions are located in the BankDirect Disclosure Booklet.


International transaction alert

The safety and security of our customers' accounts are important to us. Due to the increase in ATM and Debit Card fraud overseas, BankDirect will not authorize any transaction originated internationally unless our customer has contacted us to request us to do so. If you plan to travel internationally or initiate a transaction with a vendor outside the United States, please contact Client Support (1.877.839.2737) to temporarily authorize your Visa® CheckCard and ensure there are no interruptions to your banking service.