Bump Up CDs are a great way to start saving now and get more later with a one-time rate bump!
Whether you’re consolidating debt or making home renovations, a home equity loan with First Service will help pave the way for success.
Take advantage of a complimentary consultation with one of our Financial Advisors to discuss your goals and help you plan for the future.
Did you know your First Service membership may help you save on your car insurance? Check out the TruStage Auto Insurance Program to see what you might save.
Leave high fees and hassle behind with our business checking accounts. We’ll take care of the details while you take care of business.
Join us each month as we explore different financial topics and ways to enhance your financial future.
Over 5,000 shared branches and over 85,000 ATMs mean you have access to your money from coast to coast.
Branches & ATMs
Checking & Savings
Privacy and Security
First Service Credit Union is a member-owned financial cooperative that has been serving the greater Houston area since 1977. Our mission is to provide financial products and services that enhance our members' lives, because we are For You, Not Profit.
We know that when it comes to choosing your financial institution, there are many things to consider. We've compiled many frequently asked questions below to help you get to know who we are, and what makes us unique.
Click the link below for more information about our recent merger with People's Trust.
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 find a complete list of our current Rates and Service Charges on our website. Rates and service charges are subject to change at any time, but this table will reflect all current rates and services and will show an effective date for them.
If you were a member of People's Trust, you can find more information here.
If you opened your account with First Service, you can find more information here.
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 $5.00.
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.
Check out all of our digital banking tips and instructions to get even more out of First Service Digital Banking.
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.
All members are required to have a primary savings account. This establishes member-ownership in the credit union. You can also add additional checking or savings accounts at any time.
You can complete a direct deposit form within First Service Digital Banking. Simply complete the form, then you can download a PDF document to be given to the payroll manager at your workplace.
To add or remove an account beneficiary, call us at (713) 676-7777 or visit one of our Houston-area branches.
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 30,000 surcharge-free ATMs nationwide.
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.
Under the requirements of the Patriot Act, credit unions must have effective procedures for:
Please call us at (713) 676-7777 if you have any additional questions.
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 also receive their tax forms by mail.
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.
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.
First Service members will not be charged a fee for using any First Service ATM, any of the 30,000-plus surcharge-free ATMs in the CO-OP Shared ATM network. If you use an ATM that is not in our network, a service charge will be applied by First Service, as well as any fees from the other financial institution or ATM provider. Please see our Service Charge Schedule for details.
Your first debit card comes free with any First Service checking account, but ordering a replacement card may be subject to a service charge.
ATM deposits are available at a select number of locations. You can search for a deposit-taking ATM nearby at FSCU.com/Locations or within First Service Digital Banking.
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.
Yes! You can open your account online, and if you're an existing member, you can open new savings accounts within First Service Digital Banking.
If you've opted into receiving eStatements, you can access and download your statement at your convenience – at no charge – within First Service Digital Banking. Simply follow these steps:
If you have elected to receive a paper statement, you can call us at (713) 676-7777 to request to have an additional copy of your most recent statement mailed to you. Please refer to our Rates & Service Charges tables for a current listing of service charges. All service charges are subject to change.
Most of our checking accounts require no minimum balance. For specifics on our account types, visit the pages linked below:
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.
Courtesy Pay is a service offered to checking account members and provides a limited level of protection from non-sufficient fund (NSF) service charges for returned checks and declined ATM or debit card transactions. Members must opt in to extend Courtesy Pay coverage to include ATM or debit card transactions that overdraw the account. 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.
You can pre-authorize travel usage for your First Service Visa® debit or credit card within First Service Digital Banking by following the steps below:
A debit card draws from money you have available in your checking or qualifying savings account. When you use your debit card, funds are immediately withdrawn from the account indicated checking account.
A credit card is a type of revolving loan that allows you to borrow money from a finite line of credit up to a designated amount. Whatever is spent using a credit card is expected to be paid back according to the terms of the card. Typically, any month when a credit card has an outstanding balance, there will be a payment due.
We do not require a number of deposits per month, but members who take advantage of direct deposit with a First Service share account may enjoy our Early Payday benefit.
For specifics on each of our checking account types, visit the pages linked below:
To dispute a card transaction, call us at (713) 676-7777 or stop by your preferred branch to explain the situation.
Possible Reasons for a Dispute:
Please note that disputes may only be made on transactions made within 60 days of the statement date. In situations in which a provisional credit is applied, it will be applied within 10 business days.
For enhanced security and assurance that checks will clear properly, we strongly recommend that you order checks through First Service Digital Banking rather than from a third party.
To receive a wire transfer to your First Service account, you must provide the following to the sender:
Incoming wires are processed throughout the day until 5:00 PM CT each business day. Wire transfers may incur service charges. Charge details are available in our Service Charge Schedule.
All wires are conducted through First Service Digital Banking or by visiting one of our Houston-area branches.
To send an international wire transfer, you must provide the following Receiving Institution information, the Intermediary Bank information, and the Beneficiary information (the person receiving wire). First Service does not wire finds directly to Foreign institutions and require a Intermediary Bank to send the funds.
Wire transfers may incur service charges. Charge details are available in our Service Charge Schedule.
First Service does not have a SWIFT code. Instead, we have a routing number, 313090561. First Service offers international wire transfers.
Incoming wires are processed throughout the day until 5:00 PM Central Time. Outgoing wires are processed at 10:00 AM, 1:00 PM, and 4:00 PM Central Time each business day. Generally, requests made after 4:00 PM will process the following day.
You can view our current certificate of deposit (CD) rates in two places:
There are several ways to clear up a negative balance:
Loan qualifications differ depending on the type of loan you desire. The best way to find out if you qualify is to apply.
For your convenience, there are several ways to apply for a loan with First Service. You can apply online in minutes, call (713) 676-8903 to apply by phone, or use Virtual Banking in one of our Houston-area branches.
Check out our Essential Guide to Understanding Your Credit Score to find out how to review your report and to get tips on how you can improve your score.
For your convenience, we do make loans to refinance autos and help them get a lower rate. There are several ways to apply:
For your convenience, there are several ways to apply for the First Service Visa® credit card. You can apply online in minutes, call (713) 676-8903 to apply by phone, or use First Service Virtual Banking in any of our Houston-area branches.
First Service does offer a Skip-A-Pay program for qualifying loans. You can check whether your loan is eligible for Skip-A-Pay and skip eligible payments within First Service Digital Banking.
If you log in using your browser, simply navigate to Skip-A-Pay under Transfers & Bill Pay. If you're using the FSCU Digital Banking mobile app, you will need to select More Features to find Skip-A-Pay. In either scenario, if you have any loan(s) available for Skip-A-Pay, they will appear here.
Your loan payoff amount is the amount you'd be required to pay by a given date for your loan to be completely paid. You can view the required payoff amount for any open loan within First Service Digital Banking.
There are several ways to make your loan payment. You can call the Contact Center at (713) 676-7777, pay it online through FSCU.com, or make your payment with First Service Digital Banking.
A grace period is a period of time after your payment due date before a late fee is assessed if a payment is not made. For consumer loans and credit cards, our grace period is 10 days. On the eleventh day, a late fee will be assessed. For mortgage loans, our grace period is 15 days.; a late fee will be assessed on the sixteenth day.
Zelle® is now available in First Service Digital Banking. Zelle® is a fast, safe and easy way to send money in minutes to friends, family and others you trust, using only their U.S. mobile number or email address.109
If you're new to using Zelle®, here are some tips on getting started.
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 use Online Bill Pay within First Service Digital Banking by navigating to Bill Pay and following the prompts on screen.
Check out all of our digital banking tips and instructions to get even more out of First Service Digital Banking.
With First Service Digital Banking you have online access to your accounts 24/7, as well as monthly statements to let you know your available account balance(s). 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.
Digital wallets, such as Apple Pay, Google Pay, Samsung Pay, and Visa Checkout, are a safe, convenient way to complete transactions without using your debit or credit card. Learn more about how to set up your First Service card in your preferred digital wallet.
No. The account holders and your financial institution are the only ones who can view your account balances. If you ever suspect your account may have been compromised, call us at (713) 676-7777 immediately.
The International Bank Account Number, or IBAN for short, is an international standard of identifying bank accounts. These numbers are used when making or receiving international payments.
The IBAN varies by country/institution and does not replace your account number. Only the institution servicing an account can provide the correct IBAN of that account and it must be obtained from the beneficiary of the wire. An IBAN is required for beneficiary accounts in Europe and other countries around the world.
Learn more about the overdraft protection options offered by First Service.
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.
Length of Membership
Courtesy Pay Limit
Less than 30 Days
Less than 1 Year
More than 1 Year
Checks and other transactions made using your checking account are paid based on your available balance, and not the actual balance. Your actual balance is the actual amount of funds in the account (based on credits and debits posted to the account at that time).
Your available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to the account.
If an item presented for payment against your account exceeds the available balance, we will treat it as an overdraft even if the actual balance exceeds the amount of the item.
All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.
Bank on your own schedule with 24/7 access to check your balances, make transfers, pay bills, and more.
Use our app to access your account and even deposit checks with your smartphone or tablet — it’s just a tap away!
Enjoy Texas-sized access at over 5,000 credit union branches and over 85,000 AllPoint and CO-OP ATMs nationwide.34
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 Zelle®: U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
 CO-OP Shared Branching: Account access at CO-OP shared branches is available after 45 days of membership. Shared ATM access is available to members immediately.
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