FAQs

There are several ways to qualify for membership with First Service. If you meet the eligibility requirements, you can become a member by opening a primary savings account with as little as $1.00.

Our routing number is 313090561.

Our current Rates and Service Charges can be found on our website at any time. Rates and service charges are subject, but this table will reflect all current rates and services and will show an effective date for them.

Please send loan payments and other mail to this address:

First Service Credit Union
P.O. Box 941914
Houston, TX 77094

Our corporate headquarters is located at this address:

First Service Credit Union
16430 Park Ten Place
Houston, TX 77084

Please refer to our Branches & ATMs locator for a list of all branch locations and their respective addresses. You can also reach us by calling (713) 676-7777 during business hours.

You can use our Branch & ATM locator to find the hours and contact information for a specific location.

You may also call the Contact Center at (713) 676-7777 on Mondays through Fridays from 7:30 AM to 6:30 PM Central Time and on Saturdays from 9:00 AM to 2:00 PM Central Time.

Remember, you can also access your money and manage your account using First Service Digital Banking any time from wherever you happen to be.

In having a savings account with First Service Credit Union, it establishes member-ownership. All members are required to have a primary savings account. You can also add additional checking or savings accounts at any time.

When you first become a member with First Service, we send you an email with important account information – including your member number – so that you can set up your First Service Digital Banking account. You can simply log in to digital banking to view your member number, or you can call our team at 713-676-7777 for assistance.

No! You can continue using your First Service account just like before. You can access and manage your account using First Service Digital Banking, and you can also take advantage of Shared Branch & ATM access at over 5,000 participating credit union branches and over 85,000 surcharge-free ATMs nationwide.

Yes, you need to be a member of First Service Credit Union to get a loan.

An important part of our identity verification procedures is to compare your address, date of birth, and other facts to the information contained in your credit report. It is a "soft pull" and will not affect your credit score.

There is no limit to the number of accounts you may have with First Service Credit Union. Many members maintain several checking and/or savings accounts, as well as different loan products and other services.

Members who enroll in eStatements will be able to access their tax forms through First Service Digital Banking. Members who receive statements by mail will receive their tax forms by mail.

Checking Account FAQs

Our checking accounts require no minimum balance. For specifics on each of our checking account types, visit the pages linked below:

Checking your balance is easy. Your balance is shown immediately when you log in to First Service Digital Banking on your desktop or in the mobile app on the Accounts Summary page. You can also check your balance at over 85,000 ATMs within the Shared ATM network.

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 service charges 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, log in to First Service Digital Banking on desktop on the FSCU mobile app. You can also check your balance at over 85,000 surcharge-free ATMs.

  1. After opening the app and logging in, open the Navigation Menu in the top left corner.
  2. Navigate to Mobile Deposit.
  3. You will be prompted with an instruction to write “For Mobile Deposit Only” on the back of the check under your signature. Press Ok to proceed.
  4. Choose the account to which you would like to deposit the check. If you have access to another membership, you can select the button in the lower right corner to see all available accounts associated with each membership.
  5. Fill in the amount of the check where asked.
  6. Click Check Front to use your device’s camera to capture an image of the front of the check.
  7. Click Check Back to use your device’s camera to capture an image of the back of the check.
  8. Click Submit and follow the prompts to finalize your deposit.

Generally, our policy is to make deposits available to you immediately or by the end of the same day, but deposit times vary depending on when and where you make them. For information on deposit holds, you may review our terms and conditions within the Funds Availability Policy.

You can use First Service Digital Banking to monitor your account balances and verify when deposits have become available.

ATM deposits are available at a select number of locations. You can search for a deposit-taking ATM nearby online or within First Service Digital Banking.

There are several ways to clear up a negative balance:

  • You can send money to your account using Zelle® or transfer money into your account within First Service Digital Banking.
  • You can deposit checks remotely using the FSCU Digital Banking mobile app.
  • You can visit any of our Houston-area branches, deposit-accepting ATMs, or Shared Branches.
  • You can call the Contact Center at 713-676-7777
To order checks for the first time, you must call us at 713-676-7777. 

To order more checks within digital banking,
1. Go to your accounts tab
2. Select the account to which you would like to order the checks.
3. Press on the three dots next to the "Transfer From" button.
4. Select the third option in the pop-up "Order Checks".
5. Follow the remaining prompts.
 
To stop an outstanding check within digital banking,
1. Go to your accounts tab
2. Select the account to which you would like to stop the check.
3. Press on the three dots next to the "Transfer From" button.
4. Select the second option in the pop-up "Stop Check".
5. Follow the remaining prompts.

To purchase a cashier's check, stop by one of our Houston-area branches to get the check issued by a member representative. A request can also be made by navigating to Check Withdrawal within First Service Digital Banking. Please refer to our Rates & Service Charges tables for a current listing of service charges. All service charges are subject to change.

We recommend keeping a check for 30 days after you have deposited it. After this period of time and after you have confirmed the deposited funds have been applied to your account correctly, destroy the check or mark it “VOID”. You can use First Service Digital Banking to confirm that the check was deposited and that the appropriate amount was added to your balance.
You can request a check withdrawal within digital banking.
  1. Once you’ve logged in to digital banking, you will see your Account Overview page.
  2. Click on the account from which you’d like to have a check sent.
  3. Select Check Withdrawal under account’s transaction overview.
  4. You will be taken to the Make a Transfer page with the from and to account information already selected.
  5. Fill in the Amount and indicating when you’d like to schedule the check withdrawal.
  6. Click Transfer Now or Schedule Transfer to complete the transaction.