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New Credit Card Next Steps

Get the most out of your new Members Choice Credit Card

Your new Members Choice Visa credit card is a smart way to manage your finances through careful budgeting and reduce your expenses through balance transfer.

Here are the first steps for your new card : 


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Activate Your New Credit Card

To activate, call 800.631.3197

Transfer balance icon

Transfer High Interest Balances

Call Visa Cardmember Services

Credit Card Guide icon

Get the Free Credit Card Guide

Mobile Banking Icon

Access My Credit Cards in Online Banking

Visa checkout icon

Activate Visa Checkout

Track your new card with Credit Card Services

The Members Choice "My Credit Card" tool can help you keep track of your new credit card transactions, statements and rewards, as well as see analytics on spending habits.

To access, have your card available and follow these steps:

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Log on to your Members Choice online banking 

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Click on “My Credit Cards”

In the Accounts menu, click on My Credit Cards
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First-time users will need to register their card - Enter your information:

  • Name - as it appears on the card
  • Email address - the one you use for online banking
  • Card expiration date
  • Security Code - the CVV located on the back of your card
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Your Initial registration is almost complete

  • Authenticate by entering the zip code associated with your card
  • Read and agree to the terms and conditions
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Your credit card account screen is now ready to view transactions and more!

To access again, you can click on My Credit Cards in the Accounts menu in online banking anytime to help you track your transactions and rewards.

Credit Card Service is just one of the ways Members Choice is keeping you on your path to financial freedom.

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:


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!

Balance transfers have a 0% introductory APR* for the first 12 months.

Use this time to consolidate debt and get yourself further down the path of financial success. To request to transfer other, high interest credit card balances, call Visa Cardmember Services at 866-570-1975

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