Member Resources

Online Banking

Enjoy the convenience of managing your financial account from the comfort of your own home. With our online banking service, you can access your balances, transfer funds, make loan payments, and more!

e-Notices

Instead of receiving printed notices in the mail, you can receive them electronically with eNotices. When important events happen on your account, you’ll receive an eNotification via email. Log in to our secure online banking to view your messages.

e-Notifications include:

• CD maturity notices

• Overdraft transfer notices

• Account delinquency notices

• Non-sufficient funds notices

Convenient, secure and faster than regular mail. Plus, they are stored online for up to one year.

Enroll Today

1. Log into your online banking account.

2. Click on eAlerts, eNotifications and eStatements and follow the instructions to enroll.

e-Statements

Sign up for e-Statements so your monthly or quarterly statements are accessible via online banking. Free, convenient & secure.

Each month, we’ll send you an email when a new statement is available to view. Then, at your convenience, you can easily view, download, or print your statement. You can also view up to 12 months of statement history, plus save paper and reduce clutter!

*While our day end system processing is being performed from approximately 8:00 p.m. - 10:00 p.m. CST, some aspects of online banking may not be available. Processing times will be longer on the last day of the month.

e-Alerts

Easily monitor your account activity with customized alerts. When you sign up for FREE e-Alerts, you receive a text message or email via online banking regarding account activity. These alerts give you an easy way to know what’s going on with your accounts and are easy to set up.

You can receive alerts:

• For account balance thresholds

• When a deposit is made

• When a withdrawal has posted

e-Alerts are the easiest way to stay updated on the account activity that matters to you most. It’s all controlled by you, for your convenience.

Mobile App

*Please note: you must be enrolled in our online banking to activate and use our mobile app.

Mobile Deposit

Deposit your checks directly from our mobile app. ANYTIME, ANYWHERE!

Endorsement requirements:

• Signature

• Account Number

• “FOR MOBILE DEPOSIT at USE CREDIT UNION ONLY”, must be written clearly in the endorsement area of the item

For same-day deposit, the cut-off time is 2:00 p.m., Monday–Friday (not including holidays).

Deposit limits:

• $5,000.00 maximum per check amount

• $10,000.00 maximum daily deposit

Helpful Tips on Using Mobile Check Deposit:

• Before logging into the Mobile Deposit app, close all other apps running in the background on your mobile phone

• Sign/Endorse the back of your check, then write your account number and “For Mobile Deposit Only” under your endorsement

• When prompted for the amount, carefully enter the check amount to ensure it matches the amount written on your check

• Keep the check within the viewfinder on the camera screen when capturing your photos

• Take the photos of your check in a well-lit area

• Place the check on a solid dark background before taking a photo of it

• Make sure that the entire check image is visible and in focus before submitting your deposit

• The MICR line (numbers on the bottom of your check) is readable

Items that are not eligible for Mobile Deposit:

• Third-party checks or items payable to any person or entity other than you.

• Money Orders

• Savings Bonds

• Checks or items are prohibited by our current procedures

*Note: Funds deposited will be available in accordance with USECU’s Funds Availability Policy Disclosure. Generally, checks scanned and received before 2:00 p.m. Central Time on a business day using the service will ordinarily be credited with the funds available to you on the same business day, unless a longer hold is applied in accordance with our funds availability policy.

Instant Balance Check

Now you can check your account balance instantly, without ever needing to sign in.

How to Set Up:

1. Click on the Instant Balance icon in the top right corner. First-time users will be prompted to “Log in and Set up.”

2. Select “More” from the main menu and then access Instant Balance Settings.

3. Toggle on the switch at the top of Instant Balance and then select the accounts you would like to preview.

4. The next time you are on the login screen, click on the Instant Balance icon.

5. Your selected account balance(s) will appear.

Text Banking

For SMS banking, online enrollment through our online banking is needed.

Once enrolled, text one of the following commands to short code 59289 to receive account information directly to your mobile:

• BAL – Balance inquiry

• HIST + Account Nickname – To get transaction history

• HELP – to obtain information on SMS commands

Wire Transfer Instructions

Funds can be transferred to and from your USE Credit Union account by wire transfer.

Incoming Wire Transfers

To receive a wire transfer to a deposit account, include the following:

• ABA/Routing Number: 311990511

• Wire to: Catalyst Corporate Federal Credit Union

• In the “Beneficiary” field include:

  • US Employees Credit Union

  • Account Number: 313085071

  • Address: 24909 Kuykendahl Rd, Tomball, TX, 77375

  • Phone: 713-595-3400

• In the “Reference” field include:

  • Member Name

  • Member Number, including Share ID

Outgoing Wire Transfers

To send an outgoing wire transfer from a USE Credit Union account, gather the following information:

• Sender’s (Your) Information:

  • Member Name

  • Member Phone Number (Please note: You should include a phone number where we can contact you to verify any instructions. Processing may be delayed if we are unable to verify the request.)

  • Member Number, including Share ID

  • Member Address

  • Outgoing wire transfer amount

• Receiver’s information:

  • ABA/Routing Number of Receiving financial institution

  • Name of the financial institution receiving the wire transfer

  • Address of the financial institution receiving the wire transfer

  • For each wire transfer beneficiary provide the:

    • Financial Institution account number to deposit funds

    • Name of beneficiary on the account

    • Address of beneficiary on the account

For international money transfer, you will also need the SWIFTCODE and IBAN.

STAR Teller

The automated telephone teller where you can check the balance of all your accounts, office hours and locations and much more.

Dial 800-TELLER4 (800-835-5374), or (713) 595-3400 and choose option 1.

• All USECU members receive access to our automated phone system

• USECU members can check their account balances anywhere they have access to a phone, 24 hours a day

• USECU members have access which allows you to transfer funds between accounts

Contact USECU to sign up for transactional access or to address problems with your PIN.

Safe Deposit Boxes

Located at our Kuykendahl Branch, our safe deposit boxes are the ideal place to store all of your important documents and valuables.

For additional information, contact a Member Service Representative at (713) 595-3400 or send an email to: info@usecreditunion.com.

Shared Branching

Gift Cards

Our Visa Gift Cards Make The Perfect Gift!

Exceptional Shopping Opportunities!

Use your USECU Visa Gift Card anywhere in the world where Visa Debit is accepted including for online or phone purchases.

Unparalleled Peace of Mind!

The USECU Visa Gift Card can be replaced if lost or stolen – so it’s safer than cash or checks. Also, when the card is registered, balances and purchases can be easily checked.

They Are More Than Just Great Gifts!

USECU Visa Gift Cards can be used for traveling, family members going off to college, corporate gifts, kids’ allowances or just about any occasion. To purchase a USECU Visa Gift Card, please visit one of our branches or you may purchase it online.

USECU Visa® Gift Cards Prices:

• $25 – $50 = $3.25 each

• $51 – $100 = $3.95 each

• $101 – $1,000 = $4.95 each

• Online purchase = $5.95 each

Click here to check your USECU Visa Gift Card balance or register your card now.

For assistance, you may also call toll-free 1(866) 244-5360.

Fee Schedule

Auto & Life Insurance

Auto Insurance

Life Insurance

These products are not federally insured, are not obligations of the credit union, are not guaranteed by the credit union, and involve investment risk. NCUA does not federally insure these funds.

Member Auto Center

Looking to buy a car? We can help! We make car shopping easier than ever with our online auto search tool through Member Auto Center. With a selection of thousands of vehicles for sale, you can customize your search to filter results and find your dream car! Sort by make, model, price, mileage, and even location! Then find information on pricing and work with us to get an auto loan–all in one place!

Member Auto Center gives you an easier, hassle-free way to buy a car

• You can search for a new or used vehicle from a list of preferred dealers.

• Browse an inventory of more than 30,000 new and used cars from preferred automobile dealer partners, and finance with USE Credit Union!

• Looking to sell your car? You can get a competitive real-time offer through Give Me the VIN. It’s free! It’s quick! It’s easy! All you have to do is enter the VIN of the vehicle you want to sell or trade, and you will get a firm offer within minutes. You can choose to sell your vehicle or use that offer to negotiate your trade-in value with a dealership.

• Get car buying advice on how to negotiate the best price, general car buying tips, understand the trade-in process, warranties and vehicle maintenance and much more.

• Learn about car financing, calculate your loan payment and apply for your loan all from one convenient website.

ATM Network

We have two convenient Houston locations to serve you.
Use one of our USECU ATMs, a CO-OP ATM or shared branch or use our surcharge-free ATM network.