Find the answers you need.

Frequently asked questions about our products, services, and more.

Membership/General FAQs

A credit union is a not-for-profit financial cooperative that is owned by its members. The primary function of the credit union is to serve its members. The Board of Directors consists of unpaid volunteers elected by the member-owners. All members of the credit union have equal voting rights, regardless of the amount on deposit. Annual earnings are passed on to the members in the form of lower loan rates, higher dividends, and improved services.

The Texas Credit Union Department (TCUD) and the National Credit Union Administration (NCUA) regulate state-chartered credit unions like First Service. Credit unions are subject to much of the same consumer regulations as other types of financial institutions. In some cases, such as investments and mortgage lending, credit unions must adhere to even stricter regulations.

All funds deposited at credit unions are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government.

Your savings account serves as your share in the credit union and establishes your member-ownership with First Service. Once your savings account is opened, you may apply for any other service or loan product we offer.

313090561 – A routing transit number or routing number is a nine-digit bank code used in the United States. It appears on the bottom of a negotiable instrument such as checks. This identifies which financial institution it is drawn upon. Routing numbers are also used by the Automated Clearing House to process direct deposits and other automated transfers such as ACH transactions.

You can find your full member number in online banking by going to Documents and then clicking Electronic Statements. Your member number will be shown after your name.

Your 13-digit account number is displayed in the Number column on the Accounts Summary page in online banking. You can also find your account number along the bottom of each check after the First Service routing number.

You can update your address, phone number, and email address under the Profile tab in online banking or by giving us a call at 713-676-7777 or 800-678-5197.

Deposit Account Services FAQs

Checking your balance is easy. Your balance is shown immediately when you log in to online banking or our mobile app on the Accounts Summary page. You can also ask a representative by calling our Member Service Center at 713-676-7777, using our chat feature, or visiting one of our convenient locations.

The actual balance is the total amount of funds in your account. It does not reflect pending transactions, which have not fully processed and cleared your account — the available balance does. The available balance is the amount of the actual balance that is available for transactions.

You should only make transactions against the available balance. If you exceed the available balance, even though the actual balance may be greater, you may overdraw your account. This may result in bounced transactions, returned items, and fees due to non-sufficient funds. For more details how transactions are processed and the order and timeframe in which they are paid, please see the Funds Availability Policy in the Member Service Agreement.

To check your available balance, you can log in to online banking or call our Member Service Center at 713-676-7777.

Ask your employer or payer if they offer a direct deposit option. If they do, obtain the company or agency’s enrollment form or download our direct deposit application form. To complete the form, you will need your First Service routing number, which is 313090561, and your account number.

You may can download a pre-filled direct deposit form in online banking by following the steps below:

  1. Click the Accounts tab.
  2. Click Options and choose Direct Deposit Form.
  3. Select the account(s) you would like to receive the deposit and the percentage of the total you would like to be deposited in each account.
  4. Review the information shown and click Confirm and Print Direct Deposit Form.

If you don’t recognize a charge on your account, please call us at 713-676-7777 or 800-678-5197 as soon as possible to report it.

If the suspicious charge was made with a debit or credit card and you believe your number may have compromised, you can block your card in online banking anytime using the steps below:

  1. Find the account you would like to block on the Accounts Summary page.
  2. Click Need to block card? under the account.
  3. Select the card number and the reason for blocking the card and click Next.
  4. Click Block Card to confirm.

After blocking your card, you can contact us to request a replacement card instantly issued at a branch or sent in the mail.

If you need to, you can also unblock it in online banking with the steps below:

  • Click Unblock card? under the account on the Accounts Summary page.
  • Select the card number and click Next.
  • Click Unblock Card to confirm.

If you are ordering checks for the first time, you may call us at 713-676-7777 or 800-678-5197 or visit any of our branches.

If you have ordered checks before, and none of your personal information has changed, you can order checks in online banking by following these steps:

  1. Click the Check Services tab.
  2. Click Check Order.
  3. Choose the account for which you wish to order checks.
  4. Click Get Started to complete the form and place an order directly with Harland Clarke.

You may also re-order checks online using your account number by visiting the Harland Clarke website.

(Make sure to have your pop-up blocker disabled to allow the Harland Clarke website to open in a new tab or window.)

To obtain free check copies, simply log in to your online banking account and click Checks under the Accounts tab to view, download, and print check copies.

You may also visit any of our convenient locations or call the Member Service Center at 713-676-7777 to get check copies for a fee; refer to our Fee Schedule for complete details.

You can access your Debit Rewards in online banking by clicking Debit Rewards under the Accounts tab. Make sure to have your pop-up blocker disabled to allow the Debit Rewards screen to open in a new tab or window.

If you’re not already enrolled in the Debit Rewards program, you must first read the Terms & Conditions and click Agree.

Due to federal regulations, you are unable to remove a joint owner from an account. If you need to remove an individual from your account, you will need to close the account and open a new one. You may call the Member Service Center at 713-676-7777 for specific instructions or visit one of our convenient locations.

Account Overdraft Coverage FAQs

We provide 24/7, online access to your accounts, as well as monthly statements to let you know your available account balance. You can also set up free eAlerts to immediately notify you of account activity including overdrafts. Periodically, we may also send you reminder letters advising you of your overdrawn account until you bring your account to a positive balance once it has been overdrawn for more than 10 days.

If you would like to set up or change an account to transfer from in case of an overdraft, follow the steps below:

  1. Find the account you would like to change on the Accounts Summary page.
  2. Click Modify overdraft protection under the account.
  3. Choose the account you would like to link and click Add.
  4. Use the arrows to change the order in which the accounts will be used.

Courtesy Pay is a service offered to checking account members and provides a limited level of protection from non-sufficient fund (NSF) fees for returned checks and declined ATM or debit card transactions. It is not a loan — it is a courtesy extended to qualified members in good standing to cover items, up to your eligible limit. We pay overdrafts at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transactions.

Federal regulations require you to opt in if you would like to authorize the Courtesy Pay service for one-time debit and ATM transactions, such as at a store, online, or over-the-phone payments. Other types of transactions, including checks, ACH transactions, and recurring debits are not a part of the regulation and are automatically covered using our standard Courtesy Pay program for eligible accounts.

To opt in to Courtesy Pay coverage for ATM and one-time debit card transactions, log in to online banking and follow the steps below:

  1. Click the Accounts tab.
  2. Click Courtesy Pay.
  3. Select the account for which you would like to set up Courtesy Pay.
  4. Click Submit.

You can opt out at any time by unselecting that account. You may also opt in or opt out by calling the Member Service Center at 713-676-7777 or 800-678-5197 or by visiting one of our convenient locations.

If you would like to opt out at any time, simply give us a call at 713-676-7777 or 800-678-5197 or visit any of our branches.

This is how Courtesy Pay will work:

  1. You use your debit card or write a check from your checking account.
  2. If funds are not available, and you have exhausted your other overdraft resources, Courtesy Pay will allow transactions to clear your account up to your eligible amount.
  3. We will assess a $30 fee for each transaction covered by Courtesy Pay.

Courtesy Pay will save you non-sufficient fund (NSF) fees and embarrassment from merchants when you make a mistake in your checkbook, have an unplanned expense, or run short on cash between paydays. Instead of returning checks unpaid, First Service may automatically pay them if you qualify.

Members over the age of 18 with accounts in good standing may qualify for Courtesy Pay when the account is opened for at least thirty days. Good standing means that there are no First Service loan obligations in default, there are no liens for any legal or administrative order, and the checking account balance is positive for at least 24 hours in any 30-day period.

The total amount you can overdraw using Courtesy Pay will depend on how long you have been a member and whether you have a direct deposit set up on your checking account.

Courtesy Pay Limits

Account Type

Length of Membership

Direct Deposit

Courtesy Pay Limit

Checking Account

Less than 1 Month

N/A

$0

Less than 1 Year

No

$500

Yes

$750

More than 1 Year

No

$1000

Yes

$1300

If you have established Overdraft Protection to transfer funds from your savings or line of credit, we will always pay the overdraft by this method before using Courtesy Pay.

No. The credit union is allowing you to overdraw your account to your Courtesy Pay limit as a non-contractual courtesy. This discretionary service can be withdrawn at any time by First Service.

You will only be assessed a fee when you overdraw your checking account and Courtesy Pay covers the overdrawn amount. There is a standard Courtesy Pay fee of $30.00 per transaction when you overdraw your checking account.

You have up to 30 days to pay any overdrawn amount, including Courtesy Pay fees. However, depending on the situation, we can ask for repayment at any time. Any deposits you make will be applied to the overdrawn balance first.

This has no effect on your credit rating if you bring your overdrawn account to a positive balance in a timely manner, which we ask you to do within the required 30 days.

Card Services FAQs

If you live near any of our convenient locations, you may simply stop by and reset your PIN number in person. You may also call the Member Service Center at 713-676-7777, and we can reorder a PIN. You will receive the new PIN number via mail in 7 to 10 business days.

Normally, you will receive your renewal card in the mail on the third week of the previous month your card is due to expire. If you have not received it by the third week of the previous month, call the Member Service Center at 713-676-7777 to reorder a new one and you should receive it within 7 to 10 business days. If you prefer, you may walk into one of our convenient locations for an instant issue card.

If you believe your debit or credit card has been lost or stolen, we encourage you to block your card in online banking as soon as possible using the steps below:

  1. Find the account you would like to block on the Accounts Summary page.
  2. Click Need to block card? under the account.
  3. Select the card number and the reason for blocking the card and click Next.
  4. Click Block Card to confirm.

After blocking your card, you can contact us at 713-676-7777 or 1-800-678-5197 during business hours to request a replacement card instantly issued at a branch or sent in the mail. Also, be sure to check your account to make sure you don’t have any unauthorized transactions.

If you find your card, you can also unblock it in online banking with the steps below:

  1. Click Unblock card? under the account on the Accounts Summary page.
  2. Select the card number and click Next.
  3. Click Unblock Card to confirm.

Loan Services FAQs

If your loan is paid in full, you will receive the title within 10-to-12 business days. It will be mailed to the address we have on file. If you need the title immediately, the loan must be paid off with a cashier’s check or cash and we must verify with the title department that we have the title on file. If it is an e-title it is usually printed by the state and mailed directly to the owner.

If your loan is paid in full, you will receive the title within 10-to-12 business days. It will be mailed to the address we have on file. If you need the title immediately, the loan must be paid off with a cashier’s check or cash and we must verify with the title department that we have the title on file. If it is an e-title it is usually printed by the state and mailed directly to the owner.

Online & Mobile Banking FAQs

In order to avoid connection disruptions or security issues, we recommend using one the following browsers:

  • Internet Explorer version 11 and above
  • Any version of Microsoft Edge
  • Firefox version 31 and above
  • Safari version 9 and above
  • Google Chrome version 42 and above

To add your First Service credit or debit card, you’ll need an iPhone 6 or iPhone 6 Plus with iOS 8.1 or later.

  1. Go to the Wallet® app, swipe down and tap the plus sign.
  2. Add your card’s information using your device’s camera or simply type it in manually. If your First Service Visa card is already saved in your iTunes® account, the information will already be there.
  3. Your card is now ready to be used with Apple Pay.
  1. Download or update the Google Pay app. Google Pay comes preloaded on several devices. If your phone doesn’t have the app, download it from the Play Store.
  2. Add your First Service Visa card—it’s as simple as snapping a photo.
  3. Pay confidently at over a million locations in the U.S

Samsung Pay is currently available on the Galaxy S6, Galaxy S6 edge, and newer devices using select mobile carriers.

  1. Make sure your compatible Samsung device is updated with Samsung Pay. You can install the newest version of the app from Google Play.
  2. Take a picture of your First Service Visa card with your device’s camera.
  3. Secure it with your fingerprint and backup PIN, and you’ll be ready to go

Visa Checkout makes it easy to use your First Service card to pay online. When you’re ready to check out, just follow these simple steps:

  1. Look for the Visa Checkout button
  2. Enter your login and password
  3. Confirm your purchase
  1. Swipe Up – Swipe up from the bottom of your screen to launch the app.
  2. Secure – Secure payments by authorizing with your fingerprint or entering your PIN.
  3. Hover & Pay – Hover your device over the in-store card reader. A gentle vibration will let you know the payment is being transmitted, and the card reader or cashier will confirm the payment is complete.
  1. Make sure the store accepts Google Pay by looking for the Android, Google Pay, or contactless payment symbols at checkout.
  2. Unlock your phone and hold it near the contactless payment terminal.
  3. A slight vibration or beep confirms that your payment has been made
  1. Make sure the store accepts Apple Pay by looking for the Apple Pay or contactless payment symbols at checkout.
  2. Hold your iPhone near the contactless reader with your finger on Touch ID to complete your payment.
  3. A slight vibration or beep confirms that your payment has been made

You can edit your username, password, as well as your security phrase, security picture, and security questions by clicking Credentials under the Profile tab.

If you are locked out of online banking or need to reset your password, you may call the Member Service Center at 713-676-7777 or 800-678-5197, or visit one of our convenient locations. One of our friendly representatives will be more than to happy assist you.

To download a copy your transactions in online banking as a Comma Separated Value (CSV) file to open with Excel, follow the steps below:

  1. Click the Accounts tab.
  2. Click Transactions.
  3. Click Options and select Download as CSV.

To download a copy your transactions as a Quicken Financial Exchange (QFX) file to open with Quicken, follow the steps below:

  1. Click the Accounts tab.
  2. Click Options and select Download to Quicken – QFX.
  3. Select the start and end date and the accounts for the transactions you would like to download.
  4. Click Download.

To sign up for eStatements in online banking, follow these steps:

  1. Click the Documents tab.
  2. Click Request Online Statements.
  3. Type “YES” to accept the eStatement agreement.
  4. Click Activate Now.

You will now be able to view all your statements and tax documents under the “Documents”tab by clicking “Electronic Statements.” The document menu will open in a new window.

To view, download, or print your statements or tax documents, click Electronic Statements under the Documents tab. The document menu will open in a new window.

Follow the steps below to register for Online Bill Pay:

  1. Click on the Bill Pay tab.
  2. Select the Yes button to register for Bill Pay. The bill pay website will open in a new window.
  3. Choose a personal challenge phrase and response.
  4. Read the Bill Pay Agreement, check the boxes to accept, and click Go! to continue to Bill Pay.

Once you have registered for Online Bill Pay, visit the Help page to view demos and step-by-step instructions for setting up payees, making payments to businesses and individuals, receiving eBills right in online banking.

To get started, all you need to do is download the First Service mobile banking app and log in with your existing username and password. When you first log in to the First Service mobile banking app, you will receive an email from MemberServices@FSCU.com with your one-time PIN number. You will need to log back in to the app with your user name as well as enter your password and add the one-time PIN number to the end of your password. For example, if your password is apple, you would enter apple5352. Once you have successfully logged in, log out and log back in using only your password.

To reset your mobile banking PIN you may call the Member Service Center at 713-676-7777 or 800-678-5197 or visit one of our convenient locations.

To set up eAlerts in online banking, follow the steps below:

  1. Click on the Alerts tab.
  2. Select All Alerts to choose from one our pre-set alerts and edit the account and delivery options.
  3. Select Add Alert to choose an alert type and customize the criteria, account, and delivery options.
  4. To mute alerts during certain times of the day, click Alert Quiet Time.

Transfers & Payments FAQs

You can make a transfer between your First Service accounts and loans in online banking with the following steps:

  1. Click the Transfers tab.
  2. Enter the amount you would like to transfer.
  3. Select the accounts you would like to transfer between.
  4. Select Transfer Now to make an immediate one-time transfer.
  5. Select Single and enter a date to make a one-time transfer on the specified date.
  6. Select another frequency and enter a start and end date to make recurring transfers from the specified start date to the specified end date.
  7. Click Next and Confirm Transfer once you have reviewed your transfer information.

You can also make a transfer by visiting one of our convenient locations or by calling the Member Service Center at 713-676-7777 or 800-678-5197. A fee may apply if you choose to make a transfer in person or over the phone; refer to our Fee Schedule for complete details.

You can make a transfer to another member in online banking with the following steps:

  1. Click the Transfers tab.
  2. Enter the amount you would like to transfer.
  3. Select the accounts you would like to transfer from.
  4. Select To Another Member’s Account and enter the account number of the account you would like to transfer to.
  5. Click Next and Confirm Transfer once you have reviewed your transfer information.

You can also make a transfer by visiting one of our convenient locations or by calling the Member Service Center at 713-676-7777 or 800-678-5197. A fee may apply if you choose to make a transfer in person or over the phone; refer to our Fee Schedule for complete details.

You can make a transfer from an external account to your First Service account or loan in online banking with the following steps:

  1. Click the Transfers tab.
  2. Select External Transfers and add the routing number and account number of the external account.
  3. Verify your account by entering the amounts of the two test deposits sent.
  4. Once your account has been verified, you can select Start Transfer From to set up one-time or recurring transfers from that account.

You can also make a transfer by visiting one of our convenient locations or by calling the Member Service Center at 713-676-7777 or 800-678-5197. A fee may apply if you choose to make a transfer in person or over the phone; refer to our Fee Schedule for complete details.

All wires are conducted through online banking or by visiting one of our convenient locations. You can make a wire transfer by clicking Wire Transfer under the Transfers tab.

To make a wire transfer you will need:

  • The name and address of the person receiving the funds
  • The recipient’s account number
  • The name and address of the financial institution receiving the funds
  • The receiving institution’s ABA/SWIFT routing number

You will be required to pay the wire transfer fee at the time it is submitted; refer to our Fee Schedule for complete details. Outgoing wires are processed at 1:00 p.m. CT each business day. Requests made after 1:00 p.m. will process the following day.

To receive a wire sent to your First Service account, the sender will need the following information:

  • Our routing number: 313090561
  • The receiving 13-digit account number
  • The name of the person receiving the funds
  • Our name and address:

First Service Credit Union

16430 Park Ten Place

Houston, TX 77084

Incoming wires are processed throughout the day until 5:00 p.m. CT each business day.

The most convenient way to make a loan payment is through online banking with the steps below:

  1. Click the Loans tab.
  2. Select Make a One-Time Payment from a First Service Account to make a one-time transfer from a First Service account to your loan.
  3. Select Make a Payment with a Card to make a one-time loan payment with a debit or credit card.
  4. Select Schedule a Payment from a First Service Account to schedule a one-time or recurring transfer from a First Service account to your loan.
  5. Select Schedule a Payment from an External Account to schedule a one-time or recurring transfer from an account at another institution to your loan.

You can also make a one-time loan payment for a fee on our online loan payment page, by visiting one of our convenient locations, or by calling the Member Service Center at 713-676-7777 or 800-678-5197; refer to your loan agreement for complete details.

A grace period is the timeframe after your payment due date and the time before a late fee is assessed. For regular loans and mortgage loans, our grace period is 15 days. A late fee will be assessed on the 16th day. For credit cards, our grace period is 10 days, and a late fee will be assessed on the 11th day.

You can use online banking to skip a qualified loan payment or request assistance for loans that may not qualify under normal circumstances.56

To skip your loan payment in online banking:

  1. Click the Loans tab
  2. Click the Skip-A-Pay link
  3. Select the loan payment(s) you would like to skip. (If your loan is not eligible, click Request Assistance.)

To qualify for Skip a Pay:

  • The loan cannot be a real estate loan, home improvement loan, home equity loan, home equity line of credit (HELOC), Visa® credit card, CD secured loan, or a balloon payment loan.
  • The loan must have been open for at least 6 months.
  • The loan must have had at least 3 months of consecutive on-time payments.
  • Member must not have been more than 30 days delinquent during the past year on any loan.
  • Member cannot have had two skipped payments in the past year.
  • Member cannot have any First Service loans in a past due status.
  • Member cannot have a negative share.

To skip a qualified loan payment up to five days before your loan payment due date, log in to online banking and follow these steps:

  1. Go to the Loans tab.
  2. Select Skip a Payment.
  3. Select the loan payment you would like to skip.
  4. Done! Your payment(s) will be skipped.

To make a transfer from your loan of credit to a First Service account in online banking, select Make an Advance from a Line of Credit under the Loans tab.

You can also make an advance by visiting one of our convenient locations, or by calling the Member Service Center at 713-676-7777 or 800-678-5197.

To transfer a balance from a credit card at another financial institution to your First Service credit card, log in to online banking and click Transfer a Card Balance under the Transfers tab or follow the steps below:

  1. Find the credit card you would like to transfer your balance to on the Accounts Summary page
  2. Click Transfer a balance under the account.
  3. Fill out the credit card information and click Next.
  4. Confirm that you wish to transfer the balance and click Submit.

Health Savings Accounts FAQs

  • Must be at least 18 years old
  • Be covered by a qualified High Deductible Health Plan (HDHP) — according to Healthcare.gov, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a family
  • You have no other health coverage except for specialized plans like dental, vision, long-term care, and injury or accident coverage.
  • You aren’t enrolled in Medicare.
  • You can’t be claimed as a dependent on someone else's 2017 tax return.

2018 Contribution Limits

  HSA Contribution Limit HSA Contribution Limits for people 55+
Single $3,450 $4,450
Family $6,900 $7,900

 

 

Unused funds can remain in your HSA and carry over every year. Once you are age 65 or if you become disabled, you can use HSA funds for both medical and non-medical expenses (but the non-medical uses will be taxable at that time).

You will incur a 20 percent tax penalty.

Student Loans FAQs

We suggest you exhaust all Federal aid, grants and scholarships before applying for this loan. Completion of the FAFSA however, is not a requirement for the Texas Extra Credit Education Loan.

We use your Social Security number to verify your identity and to check your credit history.

Applying with a cosigner who has good credit and income can help you satisfy the credit criteria and may increase your chances of passing the initial credit review and receiving a lower interest rate. Most students will need a cosigner to qualify. In a cosigned application, both you and your cosigner intend to (a) jointly apply for credit and (b) be jointly liable for the requested loan.

The credit check serves two main purposes. First, it is used to verify the identity of all people signing the application. Second, it’s used for qualification purposes and helps us offer you the best pricing we can based on your credit history.

No, you can pay your loan off early regardless of your repayment terms without any penalty. You will only be charged the amount of interest that has accrued on the loan until the day the loan is paid off.

Making payments of any type during the in-school period can significantly reduce the total cost of your loan. If you select a repayment type that requires an in-school payment, all payments must be made on time during the in-school period.

Students can apply with a cosigner to help meet creditworthiness guidelines and increase their chances of passing the initial credit review. If a student does not have credit history, we recommend applying with a co-signer who does.

The minimum loan amount is $1,000 and the maximum you can borrow is determined by the school you are attending, but is limited to the lesser of your cost of attendance less other aid or $65,000. The maximum aggregate loan limit is $150,000, inclusive of all student loan debt.

U.S. Citizen – A person who was born in the United States, including the lower 48 states, Alaska, Hawaii, Puerto Rico, Guam, and the U.S. Virgin Islands; or who became a citizen through naturalization; or who was born outside the United States to U.S. Citizen parents under qualifying circumstances (derivative citizenship) and who has not renounced U.S. citizenship.

Permanent Resident – Any person not a citizen of the United States who is residing in the U.S. under legally recognized and lawfully recorded permanent residence as an immigrant. Also known as “Permanent Resident Alien,” “Lawful Permanent Resident,” “Resident Alien Permit Holder,” and “Green Card Holder.”

Your permanent address is the location that you consider to be your primary place of residence (like your parents’ or guardian’s address). Your mailing address is wherever you want to receive all of your loan documents.

No, there are no origination or disbursement fees.

The initial credit review considers all of the information you and your cosigner (if applicable) provide during the application process, and the information obtained from your credit report. If you pass the credit review, we will need to receive your income verification, school certification, and Applicant Self-Certification Form before final loan approval.

We need a personal reference as an additional means of contacting you during the servicing of your loan. If we are not able to reach the student or cosigner on the loan we will contact your personal reference.

Your reference can be anyone over the age of 18, as long as he or she is not living at the same address as you. If you are applying with a cosigner, you cannot use him or her as your reference, nor can your reference live at the same address as your cosigner. Lastly, you and your cosigner cannot use the same reference.

Primary sources of income typically reflect employment earnings, but may also come from other sources such as retirement or rental income. Your spouse’s income is not an eligible source of income.

Higher Education Servicing Corporation administers its Texas Extra Credit Education Loan program under the authority provided to it in Chapter 53B of the Texas Education Code, which limits our program to serve only Texas residents.