FAQs

For domestic wire transfers in US currency, simply login to online or mobile banking and under the "Transfer & Pay" menu, select "Send a Wire" and follow the instructions as prompted to send a digital wire transfer. Domestic Wire Transfer requests submitted online have a reduced fee of $15.  

For international wire transfers, or any wire in a foreign currency, a Wire Transfer Form (PDF) is required to process an in-person wire transfer via Members Choice. This request may be sent via fax to 281.754.5046, or email to memberservices@mccu.com, or through a secure message in Online Banking.

Members Choice cut-off times for outgoing wire requests are 1:00 p.m. for International Wires, 3:30 p.m. for Domestic Wires submitted by form, and 3:00 p.m. for Domestic Wires submitted online. (All times are CST). If not submitting a wire transfer request in person, please allow ample time as further verification and processing is needed.

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. Get the Wire Transfer Instructions (PDF).

The Katy Freeway branch location offers coin machine services. There is a 4% fee for members and a 9% fee for non-members.

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.

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 Harris County, Katy, West Houston and Cy-Fair areas. View our membership service area 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 Select Employer Groups. If you have been a member in the past, you may rejoin.

We invite you to join now online, or join in person by visiting one of our branch locations.

Money Orders are ideal payment options when you need to pay for something by check but are not able to use a personal check. For some large purchases, merchants may prefer a money order instead of a personal check. Money orders must be pre-paid, which means payment to the merchant is guaranteed. Members Choice offers Money Orders up to the amount of $1,000, and does not offer International Money Orders. Stop by a Members Choice branch near you to get started. The fee for a Money Order can be found on our Fee Schedule (PDF).

There is no fee for members to cash checks through their own checking account pending the funds availability. If member has only savings, less than $300.00 on deposit and no loan or checking, the associated fee for Check Cashing can be found on our Fee Schedule (PDF).

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

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

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.

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

Yes, Current Members Choice members, you can “Quick Apply” for a new checking or savings account in online banking or your mobile app. Login, and select the "Quick Apply" menu, then click on "Open an Account or Loan" to get started.

If you are not yet a member, you may start the account opening process online. Join now online. 

Members Choice does not offer Health Savings Accounts.

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

To activate your Members Choice Debit Mastercard®, please call 1.833.246.9309.

To report a lost or stolen Debit Mastercard, please 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. 

Please contact Member Services at 281.398.9900 or toll free 800.753.2428, or stop by any of our branches for assistance with your Debit Mastercard 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 or toll free 800.753.2428, or stop by any of our branches.

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; Mastercard may have blocked the transaction if not properly verified (855.997.7286); Mastercard may have a block on the card until a charge can be verified (Fraud line is 833.246.9309). For further assistance call Member Services at 281.398.9900 or toll free 800.753.2428.

Your Members Choice debit card is accepted worldwide, however, for peace of mind, we have some tips to share about traveling with your Members Choice debit card. Click here for important information about traveling with your Members Choice Debit Mastercard.

Your debit card features an embedded chip that improves security every time you make a purchase at a chip-enabled terminal. The new chip technology creates a unique code for each transaction that is difficult to duplicate, reducing the risk of fraudulent charges on your account. Use your card by inserting into the chip-enabled slot until you see the authorization approved message, then remove.

Yes. If the terminal is not chip-enabled, you will need to swipe your card’s magnetic stripe, like you would with your old card. Online purchases still work the same way they did with your old card too.

Yes. Use your chip card at the exact same merchants you do now by inserting the card into card terminals that are chip-enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also use your card as you did before for online payments, telephone payments and at ATMs.

Feel free to contact our member service department and they'll be glad to assist you!

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 iOS and Android devices from the Apple App or Google Play stores here:

Mobile Deposit is a free service and included in your MCCU mobile app. Simply download the mobile app for Members Choice Credit Union. It’s available for all iOS and Android devices.

Yes. The link between your mobile device and our Mobile Deposit site uses SSL and 256-bit encryption technology, the industry standard, to ensure your deposits are transmitted safely and securely. Your scanned check is secure and protected through this link.

Members Choice Credit Union’s funds availability policy applies to mobile deposits. $100 of the deposit is immediately available with the remaining amount on hold for up to three days. If a deposit is made after 2:00 CST, the deposit will be processed the next business day (Saturday, Sunday and holidays are excluded). If there are issues with the quality of image, the amount, payees, endorsements, etc. we may notify you that your deposit is reversed pending submission of a new deposit.

Any deposit account can accept mobile deposits except Certificates of Deposit or Individual Retirement Accounts.

Endorse your check just as if you are bringing it to a branch. Image quality is key to successfully making a mobile deposit. Be in a well-lit area, avoid casting shadows and be willing to retake an image if your device’s camera isn’t focusing properly. The quality of the check also plays a part. All four corners must appear in the photo. You will immediately receive a message if another photo needs to be taken.

If the mobile deposit system is unable to read the check information, an error message will display. In that case, you may deposit the check at a branch or by mail.

No. The check is considered "stale-dated." You should request to have the person who issued the check reissue it with a current date.

No. This is considered a third-party check. Only checks made payable to the account holder(s) are accepted.

We recommend that you store your original check in a safe place for up to 30 days. Do not write VOID across the front of it or destroy it until after this period. Be sure the check is not rescanned or deposited elsewhere unless Members Choice specifically instructs you otherwise.

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

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.

Members Choice can process loan payments via transfer from within the membership, from other Members Choice Accounts, via debit card, or ACH from another institution. Loan payments may also be conducted at a Members Choice or Shared Branching location. 

Members Choice offers several ways to apply for loans. You can login to Online Banking (username and password are required), 281.398.9900 or toll free 800.753.2428. You may also visit any of our branches for more information.

We do not offer payday loans at this time.

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” to schedule a one-time or recurring payment. These payments can take 3 to 5 business days after initial enrollment verification.

Yes, Members Choice offers competitive rates and refinance options for new and pre-owned autos. If you currently have your auto loan with MCCU, the fee for refinancing a current MCCU auto loan can be found on our Fee Schedule (PDF).

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

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.

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. You can start the auto loan application process online, or visit one of our branches to talk to a loan officer in person.

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. After you have submitted your request to the Texas Department of Motor Vehicles (TX DMV), you should receive your title in 21 days.

Yes, applying for a mortgage loan before you find a home may be the best thing you could do.  When you apply in advance, you are issued a pre-approval letter subject to you finding your new home. You can use the pre-approval letter to assure your real estate agent that you are a qualified buyer and that you are looking in the right price range to fit your budget.  Having been pre-approved for a mortgage may also give more weight on any offer you make.

In order to calculate how much lendable equity you have available in your home, you must start with the value of your home.

For example:  Your home is worth approximately $250,000, you would multiply that by 80%, which in this case would give you $200,000.  Then, subtract your current 1st lien mortgage to give you the available amount to borrow. In this case, say your first mortgage balance is $150,000, then you would have $50,000 available to borrow.

There is not a fee to complete an online application for any of our loan products. 

The Loan Officer will do an interview with you and analyze your completed application, your credit report and an automated underwriting system to determine what documents are needed from you. During the processing and underwriting part of your loan file, other documentation may be required in order to prepare your loan for final approval.

In order for bonus, overtime or commission income to be considered, you must be able to show a history of receiving it for the previous 2 years and it must be likely to continue for the next 3 years.  Your Loan Officer will request copies of W-2 statements for the previous two years and your most recent 30 days pay stubs to verify overtime and bonus income. If more than 25% of your income is commission earnings, we will need to obtain copies of your most recent 2 years signed tax returns to calculate the amount that can be considered as income.

Typically, only income listed on your tax returns can be considered when you apply for a mortgage. 

Your credit score is one of the pieces of information used to evaluate your application.  Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments.

A credit score is a compilation of all this information converted into a number that helps a lender determine the likelihood that you will repay the loan you have applied for on schedule.  Your credit score is calculated by the credit bureau, not by MCCU. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be an effective way of determining credit worthiness.

Credit scores used for mortgage loan decisioning range from around 300 to 900.  Typically, the higher your credit score, the lower the risk that your payments will not be paid as agreed.  Using your credit scores to evaluate your credit history allows MCCU to quickly and objectively evaluate your credit history when reviewing your application.  However, there are several factors considered when making a loan decision and we never evaluate an application without looking at the whole financial picture of a member.

You may also visit the Zelle® enrollment page for more detailed instructions and FAQs. Congratulations! You're ready to start sending and receiving money with Zelle®. Next time you need to be paid back, ask for Zelle®!

Is my information secure?
Keeping your money and information safe is a top priority for Members Choice Credit Union. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your Members Choice Credit Union account secure.

Who can I send money to with Zelle®?
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor.1

Since money is sent directly from your Members Choice Credit Union account to another person's bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.

If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk).

Neither Members Choice Credit Union nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

I believe I’ve been a victim of a scam. Who should I contact?
Please contact our customer support team at 281-398-9900. Qualifying imposter scams may be eligible for reimbursement.

Can I pay a small business with Zelle®?
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your MCCU Houston TX app or online banking using just their email address or U.S. mobile number.

Neither Members Choice Credit Union nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money.

Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.

Can I reverse or cancel a payment?
Zelle® payments cannot be reversed.

You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment". If you do not see this option available, please contact our customer support team at 281-398-9900 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle® through their bank or credit union's mobile app or online banking, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call our customer support team at 281-398-9900 so we can help you.


Are there any fees to send money using Zelle®?
No, Members Choice Credit Union does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier's messaging and data rates may apply.

What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle®at Zellepay.com

If your recipient's bank or credit union isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.

To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address or U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.


I have scanned a Zelle® QR code, but it isn’t working.
The Zelle® QR code feature is currently not available at Members Choice Credit Union. The ability to use Zelle® QR code will be available soon.