couple using a laptop on kitchen table

New Mortgage Next Steps

Don’t let payments sneak up on you. Let’s get your mortgage account ready!  

Congrats on your new home! You already know about our great terms and rates, but did you know you can make paying your mortgage back even easier? Let’s get your mortgage account set up so you can enjoy all the perks of being a member! 

Mortgage Account Access

Access your current mortgage loan account with Members Choice Credit Union*




Here are the next steps to set up your mortgage account:

Set up your online mortgage account

Register your new account and get access to payment information, loan balance, payment history and more.

Make Copies of your Mortgage Documents

Keep one copy with you and put the original in a safe deposit box.

Set up your online banking account

See your money and manage your accounts no matter where you go.

Download Members Choice App

See your payment progress and manage your accounts no matter where you go.

Set up direct deposit

Have your paycheck land in your account and get paid before the weekend hits!

Register for your free Good Money Habits account

Get your hands on free articles, calculators, and virtual coaches to help you brush up on your money skills.


Activate your online account access by following these easy steps:

  1. Have your account number ready and go to https://secure.mccu.com/Registration
    • 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

GET STARTED


For questions:

LEARN MORE


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:

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.

  • 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. 


EZSwitch Direct Deposit

This is the fast and easy way to setup direct deposit right from your online or mobile banking. Plus, you don't need to reach out to your payor or HR department. Sets up in minutes! 


Direct Deposit from your employer

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. 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 mccu.com
    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
Our free financial resource center is filled with easy-to-understand articles, learning modules, and calculators for every age and life stage. The material covers everything from saving and budgeting to buying a home, and even resources for kids. Did we mention that it’s free to sign up?








*The mortgage account access tool is compatible with the following browsers: Internet Explorer 10 & higher, Google Chrome, Safari, and Firefox.