Heart O' Texas
Heart O' Texas's FedNow, RTP, and Zelle participation has not been confirmed.
Waco, TX · NCUA Charter #11032
http://www.hotfcu.org7500 Imperial Drive, Waco, TX, 76712
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
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Report early direct deposit
Did a paycheck or benefit show up early at Heart O' Texas?
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Sending from Heart O' Texas
Rails observed when Heart O' Texas was the sending bank.
No sending reports yet for Heart O' Texas. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Heart O' Texas
Rails observed when Heart O' Texas was the receiving bank.
No receiving reports yet for Heart O' Texas. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Frequently asked questions
Does Heart O' Texas support FedNow?
This hasn't been confirmed. Heart O' Texas does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Heart O' Texas support RTP?
This hasn't been confirmed. Heart O' Texas does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does Heart O' Texas support Zelle?
This hasn't been confirmed. Heart O' Texas does not currently appear in Zelle's partner directory, and no community reports have confirmed this rail for this bank yet. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Heart O' Texas have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Heart O' Texas yet.