# Texas Bay Credit Union > Credit union operates with limited teller staff, causing longer wait times at windows and drive-throughs. Debit cards deactivate after hours, preventing transactions outside business times. Auto transfers between accounts do not happen automatically, which can lead to insufficient funds fees due to transaction timing. Source: https://www.atly.com/location/TexasBayCreditUnion3 - Address: 9212 Fry Rd Suite 100, Cypress, Texas, United States - Phone: +17138526700 - Website: https://www.texasbaycu.org/?utm_source=Google&utm_medium=GMB&utm_campaign=Cypress ## What it is good for - Comfortable — 10/10 - Banks — 7.3/10 ## What people say - "The bank staff were helpful, professional, and patient." - "Macy made me feel comfortable and explained everything in detail." ## Good to know - Expect long wait times as there is usually only one teller available. - Debit card usage is restricted after 4 pm, limiting access to funds. - Transactions may show fees and postings on the same day, leading to confusion. - Auto transfers can trigger insufficient funds fees if not managed carefully. - Customer service may be limited, as issues cannot be resolved after hours. ## Get this data directly This page comes from the Atly Places API, which scores close to 2 million places against more than 1,400 intents — "nice view", "work friendly", "gluten free", "dog friendly" — from what real reviewers say, with the statements behind every score. - **MCP server:** `https://agentic-api.atly.com/mcp` — connect it in ChatGPT or Claude. Nothing to install. - **Guide for agents:** - **OpenAPI contract:** - **No key needed to start.** `POST https://agentic-api.atly.com/v0/keys` with an email raises the quota. Coverage is densest in the United States, with pockets in Mexico, Israel and Thailand.