Online Banking

FAQ

General

What is the credit union’s routing number?

Members Choice’s routing number is: 313083196. Also known as the Transit or ABA number, this number can be found on the bottom left of your credit union checks and at the bottom of each page of our web site. MEMBERS CHOICE only has one routing number for all account debits and credits. MEMBERS CHOICE does accept all incoming domestic and international wires, however, does not have a swift code. See Incoming wire instructions.

Do you participate in Shared Branching with other credit unions?

Yes! Shared Branching is a network of credit unions who service each other's members. Simply present your Members Choice Credit Union Account/Member number and a valid government or state issued ID at any Shared Branch location and you can make deposits, withdrawals or loan payments. Policies and procedures differ at each location. Learn more about Shared Branching, or visit www.creditunion.net for a complete nationwide list of credit unions.

Where can I find my member number?

Your account number is the 13 digit number found just after the routing number on your checks. Or Contact Member Services at 281.398.9900 / 800.753.2428 for assistance. To complete any electronic transactions such as ACH or eChecks, the account number must be the complete 13 digits.

How can I sign up for Direct Deposit?

To sign up for Direct Deposit, please contact your employer's payroll department. You will need to provide them with the routing number 313083196 and your 13 digit account number. If your employer requires documentation for initial set-up, you may provide them with a voided check or download the Direct Deposit Instructions Form.

Where can I get a copy of your Annual Report?

The current Annual Report can be found in the Financials section of our web site. Or you may request one be mailed to you by calling 281.398.9900.

How long are checks held?

Hold times on deposited checks are determined at the time of presentment and are based on the individual deposit. The length of the hold will be listed just above the deposit on your account summary. Funds Availability Policy.

Is my account information available 24-hours a day?

You may access your account 24/7 via Online Banking, Mobile Banking and the Audio Response system. You may also speak to a live representative by calling 281.398.9900. Please be advised that when calling outside of regular business hours, live representatives have limited account access.

Is my money insured at the Credit Union?

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government, the National Credit Union Administration, a U.S. Government Agency. Read more at Your Funds Federally Insured.

Can I order checks from any vendor or do I need to order from the Credit Union?

You have the option to order your checks from any check printing company. They will need your 13-digit account number located on your checks, or please contact us for correct account number formatting.

Where are your ATM's located?

In addition to seven Members Choice branch locations, Members Choice members may also visit one of the 55,000+ Allpoint Network ATMs free of charge. Find an ATM in your area.

Do you offer electronic statements?

Members Choice offers free eStatements via Online Banking. To sign-up, please contact us for assistance at 281.398.9900.

What is the credit union’s routing number?

Members Choice’s routing number is: 313083196. Also known as the Transit or ABA number, this number can be found on the bottom left of your credit union checks and at the bottom of each page of our web site. MEMBERS CHOICE only has one routing number for all account debits and credits. MEMBERS CHOICE does accept all incoming domestic and international wires, however, does not have a swift code. See Incoming wire instructions.


Account Services

Can I send a wire transfer to another financial institution online?

A Wire Transfer Form is required to process a wire transfer via Members Choice, however this may be sent via fax to 281.754.5046, or email to memberservices@mccu.com, or download a Wire Transfer Form. Members Choice cut-off times for outgoing wire requests are 1:00 p.m. for International Wires and 3:30 p.m. for Domestic Wires. If not submitting a wire transfer request in person, please allow ample time as further verification and processing is needed.

Where can I find incoming wire transfer instructions?

Members Choice accepts all incoming domestic and international wires. We do not have a swift code. You will need to provide the sending financial institution with the routing number (313083196) and your 13-digit account number. Wire Transfer Instructions.

Which Members Choice branches have coin machines?

The Park Row office, located at 14960 Park Row Blvd., Houston, TX 77084 offers coin machine services. There is a 4% fee for members and a 9% fee for non-members and shared branching members.

Does the credit union offer member discounts?

One of the perks of being a credit union member is taking advantage of program discounts. These can be found on the Member Discounts page.

How do I order Traveler’s Cheques?

Travelers Cheques can be purchased at any of our branch locations. Simply click here for our fee schedule.

How do I become a member?

Thank you for your interest in joining Members Choice! Members must live, work, attend school or worship in our field of membership which encompasses the Katy, West Houston and CyFair areas. View zip codes for our qualifying field of membership. You may also join if you have a family member that is currently a member, or, if you are an employee of one of our Partner Companies. If you have been a member in the past, you may rejoin.

We invite you to join online or visit one of our branch locations.

What is the fee for a Money Order?

Members Choice offers Money Orders up to the amount of $1,000, and does not offer International Money Orders. The fee for a Money Order can be found on our Fee Schedule.

What is the fee for Check Cashing?

There is no fee for members to cash checks through their own account pending the funds availability. The fee for Check Cashing can be found on our Fee Schedule.

What is the fee to Stop Payment?

The fee for a Stop Payment can be found on our Fee Schedule. Please be advised that at least 3 business days are needed to stop future ACHs (electronic funds transfer).

Do you offer notary services?

All Members Choice branches offer Notary Services during regular business hours. The fee for Notary Services can be found on our Fee Schedule.

How can I get a copy of my account statement?

You can retrieve a free copy of your account eStatement through Online Banking. If you are not set up for eStatements, please contact Member Services at 281.398.9900 or 800.753.2428, or stop by one of our branches.

For a lost or stolen Credit Card, please call 800.558.3424.
For a lost or stolen Debit Card, please call 877.703.5024.

What is a form 1099 INT and when should I receive it?

This is a form provided to you for interest earned over $10.00 in the previous tax year. You should receive your form by January 31st of each year.

What are your CD rates and terms?

We offer Certificates of Deposit in a variety of terms, from 6 months to 60 months, as well as Jumbo CD’s. Learn more about CDs.

Can I open a Savings or Checking Account online?

Yes. From our web site home page, click the Join Now button and follow the instructions or simply click here to join.

How much am I able to contribute to my HSA?

Members Choice does not offer Health Savings Accounts.

How do I order savings bonds?

Members Choice does not service or sell savings bonds, however, you may purchase them online at SavingsBonds.gov.

What is Reward Checking?

Reward Checking is a flexible checking account that pays high interest along with ATM rebates and more (restrictions apply). More information on Reward Checking.

Reward Saver is a high interest earning savings account that works along with Reward Checking (restrictions apply). More information on Reward Saver.

Do you offer checking?

Members Choice offers several options to satisfy your financial needs including an interest earning checking account called Reward Checking. Review all of our checking account options.


Business Accounts

How do I open a business account?

To open a business account at Members Choice, please visit one of our locations as further review of documents is needed. Learn more about the features of our Business Checking Account.

Where do I login to Business Bill Pay?

The Business Bill Pay login/enroll link is located under the Business Services section of our website. It can be found by clicking on the Business Services tab, then on Business Bill Pay, then scrolling to the bottom of the page. Log into Business Bill Pay.


Small Business Loans

Do you offer business loans?

Members Choice is pleased to offer you an award winning team to service your business lending needs, including a U.S. Small Business Administration (SBA) loan. Learn more.


Mobile Banking

Do you offer Mobile Banking?

Members Choice offers free Mobile Banking access to check account balances, view transaction history, transfer funds and find branch and ATM locations. These features may be accessed via your web browser or by downloading the app available to iPhone and Android users. Online Banking enrollment and set-up is required to access Mobile Banking. Read more Mobile Banking questions and answers.


Online Banking

How do I change my Online Banking User Name or Password?

Login to Online Banking, go to Options/Settings. Choose either Change Online Password or Change Online User Name.

Is my account information available 24-hours a day?

You may access your account 24/7 via Online Banking, Mobile Banking and the Audio Response system. You may also speak to a live representative by calling 281.398.9900 or 800.753.2428. Please be advised that when calling outside of regular business hours, live representatives have limited account access.

How do I change my user name or password for Online Banking?

After you login to Online Banking, go to Options/Settings. Choose either Change Online Password or Change Online User Name.

What types of accounts can be viewed in Online Banking?

You can view the following accounts in Online Banking: Savings, Checking, Money Market, Certificates of Deposit (CD), Auto Loans, Signature Loans, and Home Equity Loans. Credit card and mortgage accounts can be viewed through the main website link or via a link in Online Banking.

Can I transfer funds between my accounts via Online Banking?

You may transfer between all Savings, Checking and Money Market accounts and to loans within the membership profile. Should you have more than one Members Choice membership profile, you may transfer between these as well; however this option must be activated by Members Choice. Transfers from or to your Members Choice account from other financial institutions are also available via Online Banking. This service requires a set-up process that may take 3-5 business days to establish.

How do I determine if a check has cleared my account?

Your account history is available under "account info" after you login to your online banking. Checks are available to view under "account info" and then click "view" next to the check number. If the front and back of your check does not populate please contact member services at 281.398.9900 or toll free 800.753.2428.

Who should I contact if have trouble logging into Online Banking?

We'd be glad to help troubleshoot your problem. Please contact Member Services at 291.398.9900 or 800.753.2428, or email us at memberservices@mccu.com.

Can I transfer money from one Members Choice member account to another?

You may transfer from one member to another via Online Banking; however this service must be activated by a Members Choice representative. Transfers from one member to another are not available via Mobile Banking at this time. Please contact us at 281.398.9900 to activate the member-to-member transfer for your Online Banking

Who do I contact with questions or issues regarding Bill Payment processing?

Please contact Bill Pay at 888.918.7501

Can I link Quicken Deluxe 2008 to my accounts?

Yes. Once you login to Online Banking click "account balances" and then click on your checking account, scroll down to the bottom of the page and click "download history."


Bill Pay

What are the types of payments and how are they processed through the Bill Payment service?

The payments can be sent either by check or by ACH (Automated Clearing House) also known as electronic payment. This is determined by Bill Pay once the merchant verifies how they want the payment processed.

What is the monthly fee for Business Bill Payment?

Personal and Business Bill Pay is a free service offered to Members Choice members.

Where do I login to my Business Bill Pay?

The Business Bill Pay login/enroll link is located under the Business Services section of our website. It can be found by clicking on the Business Services tab, then on Business Bill Pay, then scrolling to the bottom of the page. Or simply click here to get started.


Debit Cards

Can I change the Personal Identification Number (PIN) on my Visa Debit Card?

Please contact Member Services at 281.398.9900 / 800.753.2428 or stop by any of our branches for assistance with your Visa Debit Card PIN.

What is my Personal Identification Number (PIN)?

Your PIN is confidential and only known by you. If you have forgotten your PIN, we will be glad to send you a new one please contact Member Services at 281.398.9900 / 800.753.2428, or stop by any of our branches.

Why doesn't my debit card work?

Several reasons can cause your debit card to stop working: Incorrect Personal Identification Number; damage to magnetic strip; expired card; balance is below requested amount; loan is more than 11 days past due; Verified by Visa may have blocked the transaction if not properly verified (1.888.294.2266); Visa may have a block on the card until a charge can be verified (Fraud line is 1.866.317.9344). For further assistance call Member Services at 281.398.9900 / 800.753.2428.

How can I activate my debit card?

To activate your Members Choice Debit Card, please call 1.877.703.5024 and choose Option 1.

How do I report a lost or stolen debit card?

To report a lost or stolen Visa Debit Card, please call 1.877.703.5024 immediately and choose Option 2. We also recommend that you review your account for any unauthorized transactions and to contact us for any further steps that may need to be taken.


Telephone Banking

What services are available via Telephone Banking/Audio Response System?

Members Choice offers balance inquiries, transfers and check-by-mail withdrawals via Audio Response System.

Are there any service fees for using Telephone Banking?

Telephone Banking/Audio Response system is a free service offered to Members Choice members.


Investment Services

Does the credit union offer Roth IRA's?

Members Choice offers both Traditional and Roth IRAs. For more information on IRAs and other investment services offered by Members Choice, please click here.


Loans

Is there a grace period on my consumer loan payment?

Members Choice considers all loans late if they are paid after their due date, but member will not receive a late fee until after the grace periods below: 

  • Secured (any collateral – auto, truck, RV, etc.) and Signature loans: 10 days
  • Credit Card: 0 days
  • Mortgages: 15 days
  • Home Equities: 10 days
How do I qualify for a loan or credit card?

You simply need to be a Members Choice member to apply for either a loan or credit card. We will review your credit history and verify income as part of the loan process.

Can I make my loan payment by phone?

Members Choice can process loan payments via transfer from within the membership or from other Members Choice Accounts, however we cannot process payments from other institutions at this time. Loan payments may also be conducted at a Members Choice or Shared Branching location.

How do I apply for a loan?

Members Choice offers several ways to apply for loans. You can login to Online Banking (username and password are required), call 866.458.9777. You may also visit any of our branches for more information.

Do you offer payday loans?

We do not offer payday loans at this time.

Can I make a payment on my Members Choice loan from another financial institution?

Recurring loan payments can be set-up to pay your loan monthly via Online Banking, in a branch or by contacting us by phone or written request. To set-up your payments via Online Banking, login to Online Banking and select Transfers / Other Institutions to schedule a one-time or recurring payment. These payments can take 3 to 5 business days after initial enrollment verification.


Auto Loans

Can I refinance my car with Members Choice CU?

Yes, Members Choice offers refinance options for new and pre-owned autos. Current Members Choice auto loans are not eligible for refinance. See current rates.

Is there a pre-payment penalty on auto loans?

Members Choice does not charge a penalty for paying off auto loans before the scheduled payoff date.

What are the insurance requirements for an auto loan?

Full coverage insurance is required for all vehicles financed with Members Choice. Maximum $1,000 deductible. Members Choice Credit Union needs to be shown as lien holder on the vehicle.

Can I apply for an auto loan if I haven't found the car I want yet?

You can apply for an auto loan and receive a pre-approval if you are still in the process of looking for your new vehicle. We offer a car buying service called AutoSMART to help you search for the vehicle and deal to suit your needs.

How long does it take to receive my vehicle title once I pay off my auto loan?

The State of Texas has converted all vehicle titles to eTitles. Ten (10) days after the vehicle has been paid off with Members Choice, you will receive a letter in the mail with instructions on how to proceed and how to transfer the title into your name with the Texas Department of Motor Vehicles. Afer you have submitted your request to Texas Department of Motor Vehicles (TX DMV), you should receive your title in 21 days.


Credit Cards

What type of credit cards do you offer?

Members Choice offers offers a variety of credit card options for personal and for business use.

Do you have a credit card rewards program?

Members Choice does offer a variety of credit card options from which to choose, including a VISA Signature Bonus Rewards Card.

What is the minimum payment on my credit card?

Please see the Minimum Payment section of the Cardmember Agreement for details.


Members Choice Credit Union

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