Answers to Your Conversion-Related Questions

First Service Credit Union (First Service) is a state-chartered, federally insured, member-owned financial cooperative operating from 16 branch locations throughout the Houston, Texas, area. Established in 1977 as Brownbuilder Federal Credit Union, First Service serves more than 100,000 members with over $1.4 billion in assets. Membership is available to those who live, work, worship, or attend school in Harris, Waller, or Fort Bend Counties and the Conroe or Magnolia Independent School Districts, as well as to the family members of existing members. First Service also serves the employees of several Select Employee Groups, including Halliburton, KBR, CenterPoint and Shell.

The legal merger date is May 1, 2022. The full system conversion will be complete on November 1, 2022.

You can see all of the newly combined First Service Board of Directors and Executive Leadership Team on our Leadership page.

None of the branch hours will be changing at this time, and the hours to call or chat with our Contact Center will now be 7:30 AM - 6:30 PM CT Monday to Friday and 9:00 AM - 2:00 PM CT on Saturday.

Beginning on Tuesday, November 1, 2022, you may begin calling First Service at 713-676-7777.

Yes, Beginning November 1, 2022, you will need to mail all loan payments, bill payments, deposits, and loan payoffs to this address:

First Service Credit Union

P.O. Box 941914

Houston, TX 77094

Beginning November 1, 2022, all checks will be issued with the routing number 313090561. You will still be able to use checks with either of these routing numbers:313090561 or 313084593.

For most members, your account number will not change. While there are a few exceptions, these members will be personally notified of any changes related to their account number.

Once the conversion is completed on November 1, 2022, you’ll have all your accounts in one place under one membership, which should be easier to manage.

First Service has a total of 16 branches and 20 ATMs in Katy, the Energy Corridor, Sugar Land, The Woodlands, Jersey Village, Spring Cypress, Atascocita, and more. You can see all of these locations on our Branches and ATMs page.

Beginning November 1, 2022, you can visit any of the 16 First Service branches and 20 ATMs throughout the Houston area, and you can complete any transaction.

Starting Tuesday, November 1, you can conduct transactions at any of the 13 public-access First Service branches (plus one restricted access branch if you are an STP employee and two restricted access branches if you are a Shell employee). You will be able to conduct all transactions including updating contact info, adding new account holders, opening or closing accounts or loans, IRA transactions, and instant issue of debit and credit cards.

You can also visit any of the more than 85,000 shared credit union branches available through the CO-OP and AllPoint networks. Please note that you will need to continue providing your credit union as People’s Trust until the operational conversion on November 1, 2022.

You can find your nearest location on our Branches and ATMs page.

Our DSC location will be closed for renovations beginning later this year. Our Westhollow branch will be closing temporarily on December 1 due to construction at the Shell Westhollow campus.

Yes, we have already begun to rebrand all of our services and branch locations with the First Service name and branding.

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

Yes, beginning November 1, 2022, the People's Trust website will be redirected to the First Service website (FSCU.com).

When the full system conversion is complete on November 1, 2022, members will access their accounts using the new First Service Digital Banking platform, which will include some additional features and require some account setting and transfers to be re-established. Please visit the System Integration Center for more information.

If you logged in to digital banking from the People's Trust website between August 1, 2022 and October 14, 2022, you will not need to re-register. If you did not log in during that time, you will need to re-register on November 1, 2022.

Most members will not need to change their usernames. If there are any duplicate usernames or usernames that don't meet our requirements, those members will be notified ahead of the conversion on November 1, 2022, and will need to re-register with a new username.

When the system conversion is complete on November 1, 2022, the mobile app will change to the First Service platform. At that time, you will need to download the new app on your phone or tablet. You can download the app here.

Online Bill Pay will be unavailable beginning Tuesday, October 25 until Tuesday, November 1, so that we can save any payments you have set up. During this time, you will not be able to add new bills or payees, but scheduled bills will continue to be processed. On November 1, 2022, members can begin using Online Bill Pay within the First Service Digital Banking Platform, which will have most of your previous payees, but we encourage you to log in on November 1 to confirm.

Yes,you will be able to access all of your existing transaction history for the last two years in First Service Digital Banking.

Any automatic transfers that you have scheduled from a First Service account to another First Service account will continue to go through as usual. After November 1, 2022, any external transfers to or from a First Service account will not transfer, and you will need to set those transfers up in Digital Banking.

Yes. Please note that you will have to re-register, and your first transaction may be subject to review.

All Digital Banking alerts will need to be set up again after November 1, 2022.

All of your existing share accounts and loans will remain open. On November 1, 2022, some members’ products will be converted to similar products with First Service, and you can see them here.

If you have a loan or credit card, you will continue to pay interest at the rate on your original loan document.

Your dividends will continue to be paid as usual on the first of each month.

Yes, your deposits will continue to be insured up to at least $250,000 by the National Credit Union Administration (NCUA) after the conversion is completed. If you have a membership at both credit unions and your current account distribution would exceed insurance limits, we can help you maximize your coverage at the combined credit union.

Both the routing numbers 313090561 and 313084593 will be accepted, so existing direct deposits will not be impacted. If you have ACH automatic payments or external transfers set up in Digital Banking, they will not transfer after the conversion. You will need to set those up again after November 1, 2022.

Your loan payment due dates will not change.

Beginning November 1, you can apply for a new loan or open a new share account using the online application on  FSCU.com or by calling 713-676-7777.

Any automatic internal payments previously set up through Digital Banking will continue to go through. If you have any ACH automatic payments or external payments set up in Digital Banking, they will not transfer over. You will have to set them up again on November 1, 2022.

If sending your loan payments via mail, please send all payments to this address:

First Service Credit Union

P.O. Box 941914

Houston, TX 77094

Your overdraft protection and Courtesy Pay settings will stay the same.

If you have any joint owners on your account, authorized signers on a credit card, or co-borrowers on a loan, these will all stay the same after the conversion.

If you already have a loan through the People’s Trust partnership with Member Home Loan, your loan will continue to serviced by Member Home Loan, and it will not be transferred anywhere. You can continue to make payments and contact their team as usual. If you wish to get a new mortgage, First Service’s in-house mortgage team will be available to assist with all of your needs.

You will be mailed new First Service credit and/or debit cards by mid-October. Please keep an eye out for your card sent to the mailing address you have on file. Make sure to activate your card by October 31, 2022, and you can begin using it on November 1, 2022. On November 1, your old card number will no longer work, so you should update any recurring payments with your new card.

If you previously had an ATM card, you will be issued a Visa^® debit card with contactless payment technology in mid-October. Please keep an eye out for this card sent to the mailing address you have on file.

Your debit and ATM card PINs will continue to work. When you activate your new debit card, you will be prompted to set up your PIN, which can be the same PIN that you have been using.

While your statement preferences will remain the same, all November 1 statements will be mailed. Going forward, all statements will be sent based on your statement preferences. According to our Member Service Agreement, if you do not have a checking account or any activity within a given three months, you will only receive statements quarterly.

Statements records are available within Digital Banking for 24 rolling months, and you may contact us for any additional statement records. Copies of past statements can be obtained at a cost of $5 per statement by calling the Contact Center or coming into a branch.

If you are to receive Forms 1098, 1099-C, 1099-INT, 1042-S, 1099-R, 1099-SA, 1099-Q, or Fair Market Value Statements for 2022 from the credit union, you will receive them from First Service for the entire year of 2022. Any Forms 1098, 1099-C, 1099-INT, and 1042-S will be sent to you according to your statement preferences, and Forms 1099-R, 1099-SA, 1099-Q, and Fair Market Value Statements will be mailed to your primary address on file. You will receive these in early 2023.

You may continue to utilize your current People’s Trust checks until your supply is depleted. When needed, you may place an order for new First Service checks by visiting any branch, calling 713-676-7777 and selecting option 7, or logging in to First Service Digital Banking at FSCU.com.

You may order new checks by logging in to First Service Digital Banking at FSCU.com or by calling 713-676-7777.

No, you will not need to update these, as your loans will continue to be serviced by Member Home Loan.

No, you will not need to update the lienholder/loss payee on your insurance policy for any vehicles currently financed with People’s Trust.

For any new loans, we will provide you with the lienholder/loss payee details to use on your insurance policy when the loan is funded.

If you have any complimentary or paid insurance through TruStage, this will stay in place, and you will not need to take any action to maintain coverage.

Any existing credit life and credit disability insurance on your loans will stay in place according to your original loan agreement until the loan is paid off. Members who had changes to their credit life and credit disability insurance have already been notified.

Any existing mechanical breakdown protection (MBP) or guaranteed asset protection (GAP) coverage on your loans will stay in place according to your original loan agreement until the loan is paid off.

Your existing IRA accounts will remain open, and the existing account features will remain the same. When the operational merger occurs on November 1, 2022, the organization ID will be updated.