Customer Service Line

24-Hour Telebanc
1-888-862-1TNB (1862)

Mercedes Locations
201 S. Texas
Ph: (956) 565-2485
Fx: (956) 565-5050

Edinburg Location
4908 S. Jackson
Ph: (956) 217-7100
Fx: (956) 217-7150

McAllen Location
6901 N 10th St
Ph: (956) 627-6800
Fx: (956) 627-6801

First Time User

Texas National Bank
Online Access Agreement

Please read the following agreement and continue to our enrolling process.

You agree that any information or disclosures or notices supplemental to or under this Agreement or by law or regulation or any amendments to this Agreement may be sent to you by electronic communication, including by E-mail to you or by posting on Texas National Bank ‘s website at www.TexasNational.com.

Click here to view our Privacy Policy.

This Online Access Agreement for accessing your accounts via Texas National Bank’s Internet Banking (“TNBOnline“) explains the terms and conditions governing online services. The accounts that may be accessed via TNBOnline include only accounts maintained with Texas National Bank . By using TNBOnline you agree to abide by the terms and conditions of this Online Access Agreement. TNBOnline will be governed by and interpreted in accordance with all applicable federal laws, regulations and the laws of the State of Texas. The following rules will apply to the extent there is not applicable federal law or regulation. The terms “we”, “us”, “our”, and “Bank” refers to Texas National Bank. “You” refers to each signer on an account. The term “business day” shall mean every day except Saturdays, Sundays and federal holidays.

TNBOnline can be used to access certain accounts through www.texasnational.com. The applicable Terms and Conditions of our Account Agreement (your “Terms and Conditions Disclosure Agreement”) also governs each of your accounts at the Bank.

Accessing Your Bank Accounts through TNBOnline Requirements

To access your account through TNBOnline you must have an eligible Bank Account (Checking Account, Money Market Account, Savings Account, Certificate of Deposit, and/or Loan).

Your password must be 6-10 characters in length and include at least 1 numeric (#) and 1 alpha character. Your password is casesensitive. Do not give your password to anyone or write it down where it could be accessible to another person. We strongly urge you to avoid using common and easy to decipher passwords such as birth dates, last names, account numbers or social security numbers. Do not store your
password and access ID in the memory of your computer.

When you give someone your Access ID and Password, you are authorizing that person to use the service and you are responsible for all transactions the person performs using the service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then transactions that person performs after the time you notified us are considered unauthorized. You agree to assume responsibility for all transactions through the service with your TNBOnline Access ID and Password, up to the limits allowed by applicable law. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.


There are no monthly fees for accessing your account(s) through TNBOnline. Other fees are described in your Terms and Conditions Disclosure Agreement for your account.

Hours of Accessibility

You can access your accounts through TNBOnline seven days a week, 24 hours a day. However, at certain times, some or all of the services may not be available due to system maintenance. During these times, you may use the Texas National Telebanc or Texas National Bank’s ATM.

A transfer initiated through TNBOnline by 5:00 p.m. (Central Time) on a business day is posted to your account the same day. All transfers completed after 5:00 p.m. (Central Time) on a business day or on a Saturday, Sunday, or banking holiday will be posted on the next business day.

Every day is a business day except Saturdays, Sundays, and federal holidays.

Terms and Conditions

The first time you access any of your accounts through TNBOnline confirms your agreement to be bound by all the terms and conditions of this Online Access Agreement and acknowledges your receipt and understanding of this disclosure.

Texas National Bank is entitled to act on instructions received through TNBOnline under your password and without inquiring into the identity of the person using that password. However, do not, under any circumstances, disclose your password by telephone or to any one claiming to represent Texas National Bank ; Texas National Bank employees do not need and should not ask for your password. You are liable for all transactions made or authorized using your password. Texas National Bank has no responsibility for establishing the identity of any person using your password. If despite Texas National Bank ‘s advice, you give your password to anyone, you do so at your own risk since anyone to whom you give your TNBOnline password or other means of access will have full access to your accounts even if you attempt to limit that person’s authority. You must notify Texas National Bank that your password has been lost or stolen or otherwise compromised and should not be honored and must be disabled.

You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. You hereby release Texas National Bank from any liability and agree not to make any claim
or bring any action against us for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account(s) and/or you have given your password to such person, or, in the case of a jointly held account such person is one of the owners of the account. You agree to indemnify Texas National Bank and hold it harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

Texas National Bank has the right to modify or terminate this agreement at any time. We will comply with any notice requirements under applicable law for such changes or termination. If we modify this Agreement your continued use of TNBOnline will constitute your acceptance of such changes in each instance.

Persons listed on a profile will only be able to access accounts for which they are designated as an owner or signer. The number of transfers from a savings account or MMDA account is limited as described in the applicable Terms and Conditions Disclosure Agreement. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

In case of questions or errors about online funds transfers made through TNBOnline involving a Bank account, you should do one of the following:

  • Call Customer Service at (956) 565-2485 or (956) 217-7100
  • Write to Texas National Bank,
    Customer Service – P.O. Box 777, Mercedes, Texas 78570, as soon as you identify any errors or discrepancies in your statement or transaction record, or if you need more information about a transaction listed on the statement or transaction record.
  • We must hear from you no later than sixty (60) days after we have sent the first paper or online statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.

When you tell us about the problem, please:

  • Tell us your name and account number
  • Describe the error or the transaction you are unsure about, and explain as
    clearly as you can why you believe it is in error or why you need additional information.
  • Tell us the dollar amount of the suspected error.

We will determine whether an error occurred within ten (10) business days after we hear from you, and we will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to
investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint in writing and we do not receive it within 10 business days, we may not credit your account while we complete our investigation. We will tell you the results of our investigation within three business days after we complete our investigation. If we decide that there was not error, we will send you a written explanation. You may ask for copies of the documents used in our investigation.

If we do not complete a transfer to or from your Bank account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided elsewhere in this Agreement. However, there are some exceptions. We will not be liable:

  • If, through no fault of ours, you do not have enough money in your account to make a transfer.
  • If a legal order directs us to prohibit withdrawals from the account
  • If your account has been frozen
  • If your account is closed
  • If the transfer would cause your balance to go over the credit limit for any convenience credit arrangement set up to cover overdrafts.
  • If you, or anyone you allow, commits any fraud or violates any law or regulation.
  • If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly and you knew about the breakdown when you started the transfer.
  • If you have not properly followed the instructions for using TNBOnline service.
  • If circumstances beyond our control (such as flood, fire, or improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us.

Texas National Bank cannot be responsible for customer errors or negligent use of the TNBOnline service and will not cover losses due to:

  • Input errors or misuse of the online service.
  • Negligent handling or sharing of passwords leading to an unauthorized access to your accounts.
  • Leaving your computer unattended during an Online Banking session – you must “Sign off/Log Off” to end your session.
  • Failure to report known incidents of unauthorized account access within 2 business days.

Get ready to bank online with TNBOnline!