🏦 Category

Money & Admin

Living in two places means paperwork: banking you can reach from Texas, mail that finds you, and tax rules that depend on where home officially is. These businesses work with seasonal residents all winter.

Includes: Banks & Credit Unions · Mail Forwarding · Tax Prep · Insurance

Browse by city

Mission (5)Weslaco (4)

Amado Sanchez, CPA

Weslaco · Tax Prep

Weslaco CPA on Texas Boulevard. Tax prep, planning, and bookkeeping with online booking. English and Spanish spoken.

James Hiebert, CPA

Mission · Tax Prep

CPA office on Business 83 in Mission. Individual and small-business returns, with a secure client portal for finishing up after you head north.

Lone Star National Bank - Mission Banking Center

Mission · Banks & Credit Unions

South Texas community bank on Griffin Parkway in Mission. Full-service lobby, Saturday morning hours, and branches across the Valley.

Raymond Longoria Insurance

Mission · Insurance

Independent Mission agency since 1988. Writes mobile and manufactured home coverage, the policy most park-model owners are actually shopping for.

Rio Bank - Palmview Banking Center

Mission · Banks & Credit Unions

Valley-grown bank on North Bentsen Palm Drive, a short drive from west Mission's RV park cluster. Lobby weekdays, Friday to 6.

Security First Credit Union - Weslaco

Weslaco · Banks & Credit Unions

Homegrown Valley credit union since 1947, on Business 83 in Weslaco. Lobby and drive-thru six days a week, Saturday mornings included.

South Texas Insurance Advisors

Weslaco · Insurance

Weslaco Medicare and health-plan office on Business 83. Free plan help from licensed local agents, weekday hours plus weekend appointments.

The UPS Store - Mission

Mission · Mail Forwarding

Private mailboxes with a real street address on Shary Road. Package acceptance from every carrier, summer mail holding, and forwarding north.

The UPS Store - Weslaco

Weslaco · Mail Forwarding

Private mailboxes on Texas Boulevard in Weslaco. All-carrier package acceptance, mail holding for the summer, and forwarding wherever you are.

Banking and Mail

National banks and credit unions in shared-branching networks make the money side easy; if your home bank is a small local one, set up online access and a backup account before you head south. Most parks run a mail room for the season, and dedicated mail-forwarding services handle the full-timer setup with a permanent street address.

USPS forwarding takes a couple of weeks to start and to stop, so file the dates early on both ends of the season. Packages are the weak point; ship to the park office and tell them what's coming.

Taxes, Residency, and Insurance

Texas has no state income tax, which is one reason some long-time Winter Texans eventually make it their legal domicile. Residency and tax rules depend entirely on your home state or province, and getting them wrong is expensive. Talk to a professional before changing anything; this page is a directory, not tax advice.

Canadians have the extra layer of U.S. day-count rules, and the difference between a five-month and six-month stay can matter to the IRS and to your provincial health coverage. Count your days, keep records, and confirm your travel insurance actually covers the length of your stay.

Common Questions

How long can Canadians stay in Texas for the winter?

Most Canadian Winter Texans stay under six months to keep provincial health coverage and stay clear of U.S. tax residency tests, but the exact limits depend on your province and the IRS substantial presence calculation. Count your days across multiple years and confirm the rules for your situation; this is not legal advice.

Should I open a Texas bank account for the season?

If your home bank is a national chain or a credit union in a shared-branching network, you usually don't need to. Full-timers and long-stayers often add a local account for cash deposits and a backup card.

How do I get my mail down here?

Most parks accept mail for registered guests through the office, and USPS forwarding covers a whole season if you file the dates ahead. For anything important, a paid mail-forwarding service with scanning is more reliable than chasing first-class mail south.