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Texas Payroll/Personnel Resource

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Credit Union Deductions
Sufficient Wages, Payments to Credit Unions, Detail Reports

Wages to Support Deductions

State employees are solely responsible for ensuring that salary or wages are sufficient to support a deduction. If a state employee's salary or wages support only part of a deduction, then none of the deduction may be taken.

If there is more than one deduction and the employee’s salary or wages do not support all of the deductions, then none of the deductions may be taken.

If an employee’s salary payment is cancelled or reduced after the credit union has received but not distributed the funds, the credit union must return the funds to the agency. If the funds have been distributed, the credit union must take whatever steps are legally available to collect the over-deducted funds.

Payments to Credit Unions by the Comptroller’s Office or Institutions of Higher Education

The Comptroller’s office is required to pay deducted amounts to participating credit unions by electronic funds transfer (EFT) or warrant (check). If an institution of higher education’s employee salary and wages are not paid directly to the employee by the Comptroller’s office, the institution must pay the employee’s deducted amount to participating credit unions by EFT or check.

The deduction payment must be delivered to the credit union no later than the third workday after the date printed on the check. Regardless of how the funds are received, EFT or check, the credit union must then distribute the funds to the employee’s account.

Detail Reports

State agencies must submit a monthly detail report to each participating credit union they send deductions to on behalf of their employees. The credit unions use the reports to deposit deducted amounts to individual employee accounts. The monthly detail report may cover only the deductions from salary or wages paid on the first workday of the month.

For payrolls paid other than the first workday of the month, state agencies must submit an additional detail report to participating credit unions.

Detail reports must include:

  • Name and Social Security number of each state employee who had a salary deduction made for payment to a credit union for that month.
  • Deduction amount for each employee.

The agency must deliver the report no later than the third workday after the deducted amounts are paid to the credit union.

Credit unions must report any discrepancies between the detail report and the actual deductions received no later than the 60th day after the detail report was mailed.

Sources

Texas Government Code, Sections 659.101, 659.103(a), 659.106-659.108; 34 Texas Administrative Code Section 5.47(a)(3), (6)-(8), (10), (12)-(18), (b)(2)(A)-(D), (3), (5), (c)(1), (e)(1)-(2), (g), (i)-(l).