MCCU Houston TX

Members Choice CU

About this app

Keep tabs on your budget, finances, and loans—all in one spot. Get the info you need to use money as a tool to build the life you want. See your whole financial life on one screen, then zoom in on your budget to break down your cash flow, expenses, and goals. Get ready to say goodbye to money stress and hello to living “the good life”.
Manage Your Accounts
• Review account activity: checking, savings, credit card, home, auto, personal and business
• Deposit checks from your phone with Mobile Check Deposit
• Keep tabs on your debit card usage with card features
• Stress less with overdraft protection
• Check on application status
Convenient Ways to Pay
• Transfer money between accounts
• Connect accounts from other financial institutions
• Send and receive money instantly with Zelle®
Budget & Save
• Save money faster with budgeting tools and savings, income, and spending trackers
• Set alerts for savings goals and budget categories
• Set aside money for recurring expenses with scheduled transfers
Loan Management
• Pay your auto, mortgage, boat, RV or personal loan with your debit card
• Receive personalized pre-approved loan offers
• View current rates and promotions
Security
• Block & unblock your card in the app
• Use Biometric ID (face, touch, or fingerprint) to verify your identity for an added layer of security
• Receive an email or text alert whenever your username is used to login
Connect with Members Choice
• Send a secure message to one of our member advocates within the app
• Reference our ATM map to find 55,000+ no-fee Allpoint Worldwide ATM locations
More Details
• Members Choice Mobile Banking is free – your mobile carrier’s message and data rates may apply
• Deposit, loans and mortgage products are offered by Members Choice Credit Union, Federally insured by NCUA; Equal Housing Lender, NMLS ID #502619
Early pay is not dependent upon the account qualifications noted above. At our sole discretion, we may make your money available to you up to two days before we receive the funds from the payor. Early availability of direct deposits is dependent on the timing of your payor’s payment instructions and/or fraud prevention overlays. These limitations may be modified at our sole discretion without advance notice. We do not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit not posted early will be made available according to our Funds Availability schedule. We reserve the right to discontinue the service at our sole discretion and without notice.
U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. MCCU does not charge any fees for sending money using Zelle. However, your mobile carrier's message and data rates may apply as well as other fees related to your account (e.g., Choice Pay Overdraft Protection, Stop Payment, NSF Fees, etc.). Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Ratings and reviews

It's alright but sometimes It'll show mutliple charges pending in my account and only some of them are reflected on the available balance. Therefore I won't know exactly how much my available balance truly is. Also I haven't received a new debit card in the mail in the past 6 or 7 years. I have to physically go into the bank every few years and get a card printed out and it doesn't come with tap to pay.

App stopped working on older Android phones. A Galaxy S9 Plus and Galaxy Note 8. Their IT dept. needs to fix this. For us it may be a deal breaker. Other than that, I'm pretty ok with their service. Also the 2 day early direct deposit is only 1 day early for 1 of our direct deposits.

This latest update screwed something up! Once you login to get full access the app keeps shutting down. So now this app is completely useless! Get it together and fix this! Better yet do a better job of testing before you release it!!! 🤬

What’s new

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.