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New Loan Next Steps

Welcome to Members Choice

Congratulations on your new loan! Welcome to terms that beat the big banks and interest rates that save you money over the life of your loan.  

Here are the next steps to set up your loan account and actively use your Members Choice membership: 

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!

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