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New Checking Account Next Steps

Get the most out of your new Members Choice Checking Account

Members Choice checking allows you to manage your money on the go and at your convenience. Your Members Choice checking account comes standard with these benefits:  

  • Debit Mastercard®
  • Mobile and online banking
  • Mobile wallet
  • Direct deposit
  • Worldwide ATMs
  • Bill pay
  • eAlerts and eStatements
  • Check ordering
  • Unlimited check writing
  • Person to person payments

Here are the next steps to set up your new checking account: 

Online Banking Icon

Set Up Online Banking

Direct deposit icon

Set Up Direct Deposit

Direct deposit icon

Order Checks 

You will need the Members Choice Credit Union Routing/ABA Number (313083196) and your account number. 

Visit and follow the instructions

Your new Debit Mastercard gives you fast and secure access to your funds for everyday and special purchases. 

Here is what you need to know about your new card:
  • Your new debit card will arrive in the mail in 7-10 days
  • Activate your card and set up your PIN by calling 833.246.9309 -
    enter your new debit card number followed by #
    enter the expiration date found on the back of your card MMYY followed by #
    enter the last 4 digits of your social followed by #
    enter your date-of-birth in this format MMDDYY followed by #
  • Then you will be prompted to set up your new PIN; your previous PIN will not transfer and you will need to set a new one. Click here for detailed instructions (PDF)
  • Test it out on your next purchase
  • Use you debit card anywhere the Mastercard logo is found
  • Set up your bill pay and automatic withdrawals
  • Explore the great features and benefits (PDF) of your new Debit Mastercard
  • Tap to pay confidently in-store and online using your smart phone in:
    • Apple Pay using compatible Apple devices
    • Google Pay using compatible Android devices
    • Samsung Pay using compatible Samsung devices
    • Microsoft Wallet using compatible Windows phones
    • Fitbit Pay using compatible Fitbit devices

Debit Card FYIs

Lost or Stolen Visa Debit Card

To report a lost or stolen Debit Card, call 281.398.9900 or 800.753.2428 immediately; option 6, then option 1. 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. To confirm transactions or disable your card, please call 1.855.997.7286.

Card Disputes & Fraud

If you find unauthorized charges to your account, Members Choice will work with you to dispute those charges or report any fraudulent activity.  Visit the Card Disputes & Fraud site to find answers and solutions to your questions.

Purchase Alerts

One way to proactively manage your debit card transactions is to monitor charges.  The Members Choice e-alerts provides you with email or text alerts when transactions are made with your debit card. Click here to learn more and set up your alerts today.

Visit FAQs

The Members Choice mobile app features:

  • Mobile push notifications and alerts
  • Fingerprint/Touch ID authentication
  • Mobile check deposit 
  • Mobile Wallet for Apple Pay, Google Pay and more
  • Block/Unblock your debit card

Activate your mobile access by following these easy steps:

  1. Download the Members Choice Credit Union app in the App Store or Google Play
Apple Users 

Search the app store for Members Choice Credit Union, select and download. You will be prompted to create security questions. In the app store, there is also a version of the app available for Apple Watch so you can quickly check available balances anytime.

Android users 

Search the Google Play Store for Members Choice Credit Union, select and down - You will be prompted to create security questions.

2. Enter the same username and password from online banking and continue through the enrollment process

Now you're set up to manage your account anytime, anywhere!

Activate your online account access by following these easy steps:

  1. Have your account number ready and go to
    • Your account number is located in the upper left corner of the first page of the Member Service Agreement you received when you opened your new account. 
  2. Click on “Register as an individual” 
  3. Review and Agree to the Online Banking Access terms and click Continue
    • You can also print these terms by clicking on the print icon
  4. Confirm your identity by supplying your Account Number, your social security (or tax ID number), your date of birth, email address and zip code.
  5. You will be prompted to create security questions.
  6. Congratulations, you are managing your finances online!  Now you can:
    • Pay bills online
    • Set up a budget
    • Transfer money
    • Monitor accounts
    • Deposit checks
    • Quickly add shares and/or loan products
    • Customize your account names to fit your needs

Online banking - Enroll to get started


For questions:


Fast and convenient, it’s the easy way to pay with your smartphone

Your digital wallet is available in:
  • Apple Pay using compatible Apple devices
  • Google Pay using compatible Android devices
  • Samsung Pay using compatible Samsung devices
  • Microsoft Wallet using compatible Windows phones
  • Garmin Pay using compatible Garmin devices
Visa Mobile Wallet is:
  • Convenient — experience all the benefits of Visa on your mobile phone or device.
  • Secure — your transactions are always backed by the security of Visa. When you use Visa on your digital devices, Visa Token Service helps you build and maintain your digital payment experiences while protecting your sensitive information from fraud with a unique digital identifier — a “token”.
  • Accepted — look for the Contactless Symbol at checkout.

Three simple steps for adding and using your Members Choice Debit Mastercard® mobile wallet.

  1. Add your Debit Mastercard to your payment-enabled mobile phone or device
  2. Look for the Contactless Symbol on the terminal at checkout
  3. Hold your phone or device over the symbol to pay

Just in case you didn’t sign up for Choice Pay overdraft protection, it’s not too late.

Overdraft protection may cover up to $600 if your account goes over and it can be linked to more than one Members Choice account. Click here to learn more and sign up for Choice Pay today:


Set up direct deposit to your checking/savings account for a reliable and convenient way to get paid.

Direct deposit of your payroll, social security or other regular payment can be an effective way to help you budget and protect against identity theft, even while you are away. Contact your payor and request to have your payroll check automatically deposited into your Checking/Savings account. Use your member account number to complete the process.

Direct Deposit from your employer

Your employer may request this information to set up direct deposit for your regular payroll check:

  • Credit Union Name: Members Choice Credit Union – Houston, TX
  • Type of account: (checking or savings)
  • Routing / ABA number: 313083196
  • Account number: Your checking or savings account number - access by logging in to online banking. Here are the steps to find that number:
    1. Go to
    2. Enter your username and password in Account Logins, then click Login
    3. Once you are in online banking, select the Accounts widget
    4. Select the checking or savings account you would like to use
    5. Select Account Details, then locate the full MICR Account Number (13 digits)
Use MyPay if your direct deposit originates from: 
  • Active Duty Military Service Pay
  • Reserve Military Pay
  • Military Retirement Pay
  • Department of Defenses (DoD) Pay
  • Defense Finance and Accounting Services Pay  
Use Standard Form 1199A or Go Direct if your direct deposit originates from the United States Treasury for:
  • Social Security
  • Supplemental Security Income
  • Veterans Affairs Benefits and Insurance Pay
  • Railroad Retirement
  • Civil Service Retirement
Yes, your Members Choice Debit Mastercard can be added to either Venmo or Zelle for quick, secure and easy payments to friends and family. Click here for instructions: Venmo and Zelle