On this page, you’ll find detailed information, including important dates, new card information, frequently asked questions, and more! Please check back frequently as this page will be updated often.

Conversion Resources

What to Do After the Conversion

  • Begin logging in directly from FSCU.com

  • Download new mobile app for your Apple or Android device.

  • Recreate any account alerts

  • Re-set up any scheduled transfers to and from external accounts

  • Confirm and set up any payees or bill payments in Online Bill Pay

  • Re-register for Zelle

  • Reconnect Mint, Quicken, etc.

  • Begin using new contactless First Service Visa Card and destroy your old card (do not start using before this date)

  • Update recurring card payments with new card number

  • Begin sending payments to PO Box 941914, Houston, TX 77094

What's Not Changing

    Member Numbers & Account Numbers

    All account numbers will be staying the same unless you have been personally notified otherwise.

    Routing Number

    Beginning November 1, both the old 313084593 routing number and the new 313090561 routing number will be accepted. This means existing direct deposits and checks will continue to work. After the conversion, all checks will be issued with the routing number 313090561, but you can continue to use existing checks.

    AllPoint & CO-OP ATM Access

    Yes, you will still able to use any of the more than 55,000 AllPoint ATMs and more than 30,000 CO-OP ATMs with no surcharge. You can find your nearest location on our Branches and ATMs page.

What's Changing

    Cards

    In October, First Service is sending out new contactless Visa® debit and credit cards, which will replace the Mastercard™ or Visa® cards you currently have. These new cards will begin working on November 1, so please activate them by October 31. Do not destroy your old cards until November 1.

    Your new cards will have Tap to Pay capability, which offers you a safer, more convenient way to complete transactions.

    Digital Banking

     

    Beginning on November 1, you will have access to a new Digital Banking experience on both desktop and the app. This will allow you to chat with a loan advisor using Video Banking and to make automated investments using EasyVest.

    The new app will also include the ability to manage cards and alerts right from your mobile phone.

    Branches & ATMs

     

     

    Once the core system conversion is complete on November 1, you can enjoy the following benefits:

    - Ability to complete any transaction at all of our 13 public-access branches

    - Instant issue of both debit cards and credit cards at all branches 

Product Changes

    Share Certificates

    The conversion will not affect your original terms, including the Annual Percentage Yield (APY) and maturity date. Certificates will renew at the prevailing rates, terms, and conditions. Please note that new 3, 6, and 30-month CDs are no longer offered, so these will transfer to a main savings account upon maturity.

    Personal & Vehicle Loans

    While the names of some loans will change, the merger will not affect your original loan terms. If you currently have GAP, mechanical breakdown protection, credit life insurance, or credit disability insurance, your policy will remain the same. Effective November 1, 2022, all mail correspondence including loan payments should be mailed to:

    First Service Credit Union

    P.O. Box 941914

    Houston, TX 77094

    Mortgage & Home Equity Loans

    All mortgages and home equity loans will continue to be serviced by Member Home Loan. You will be able to view these loans in First Service Digital Banking.  

    Savings Accounts

    All savings accounts will convert to a corresponding available First Service savings account and earn dividends at the prevailing rate. See the chart below for more details.

    Checking Accounts

    All checking accounts will convert to a corresponding available First Service checking account and earn dividends at the prevailing rate. See the chart below for more details.

    Credit Cards

    All credit cards will convert to a corresponding available First Service credit card with your existing rate and term plus any benefits of the First Service card. See the chart below for more details.

Product Change Chart

If You Had This Product You Now Have This Product And Will Enjoy These Great Benefits

Houston Chronicle Access Savings

 Main Savings Earn dividends on balances over $100

Membership Savings

Main Savings

 Earn dividends on balances over $100

Membership Noninterest Savings

Main Savings

 Secure your membership with the credit union

Business Membership Savings

Business Savings

 Earn dividends on balances over $100

Everyday Savings

 Main Savings Earn dividends on balances over $100

Escrow Share

 Escrow Savings Earn dividends at current rate and terms.

Simple Checking

 Free Checking with Debit Rewards
  • No monthly fee
  • Earn points you can redeem for cash
  • No minimum balance

Premier Checking

High Yield Checking
  • Earn high dividends
  • Get up to $12 in ATM refunds per month

Business Checking

 Small Business Checking
  • No monthly fee
  • Unlimited electronic transactions
  • 40+ in-branch transactional items each month

Legacy Checking with Free ATMs

 High Yield Checking
  • Earn high dividends
  • Get up to $12 in ATM refunds per month

Legacy Checking with Interest

 High Yield Checking
  • Earn high dividends
  • Get up to $12 in ATM refunds per month

Secure Checking

 Secure Checking
  • No minimum balance
  • IDProtect® & credit monitoring
  • Exclusive offers at thousands of online retailers
  • Up to $10,000 of Accidental Death & Dismemberment coverage
  • Up to $300 of replacement or repair costs for your phone

Debit Account

 Fresh Start Checking
  • No minimum balance
  • No limit on number of transactions

Money Market

 Money Market
  • Earn higher dividends
  • No monthly fee
  • Unlimited deposits and withdrawals

IRA Contributory

 Traditional IRA Savings
  • Earn fixed dividends on balances over $100
  • No setup, monthly, or annual fees
  • Retirement savings with tax benefits

SEP Contributory

 SEP IRA Savings
  • Earn fixed dividends on balances over $10
  • No setup, monthly, or annual fees
  • Earnings at a fixed rate and tax-deferred

Roth IRA Contributory

 Roth IRA Savings
  • Earn fixed dividends on balances over $100
  • No setup, monthly, or annual fees
  • Tax-free earnings upon withdrawal

Visa Platinum

 Visa Credit Card The same interest rate and payment schedule you’re used to.

Mastercard Classic

Visa Credit Card

 The same interest rate and payment schedule you’re used to.

Mastercard Gold

 Visa Credit Card The same interest rate and payment schedule you’re used to.

Visa Secured

 Visa Secured Credit Card The same interest rate and payment schedule you’re used to.

Mastercard Rewards

 Visa Cash Back Credit Card
  • The same interest rate and payment schedule you’re used to.
  • Earn 0.50% cash back on purchases.

Mastercard Reward Secured

 Visa Cash Back Credit Card
  • The same interest rate and payment schedule you’re used to.
  • Earn 0.50% cash back on purchases.

 

Service Charge Changes

As part of the conversion, Legacy People's Trust members will be subject to the existing First Service Service Charge Schedule. While it is true that in some cases the fee is increasing, in others, they may in fact be lower than what they were. We have created a comparison chart of all fees that highlights specifically what is the same, what is new, what will cost more and what will cost less than what you may have paid previously.

It’s the philosophy of your credit union regarding service charges to always provide multiple paths to avoid a fee. Whenever possible, we don’t want our members to pay fees. However, there are certain services that some members may need, that take employee or system time and effort to provide as a convenience to you. In these situations a fee is assessed to cover the costs of offering those services.

SEE SERVICE CHARGE COMPARISON