You have questions, we have answers. We have noted the most common member questions we receive. Still looking for more info?


What is the difference between a bank and a credit union?
A bank is owned by shareholders and is tasked with maximizing the shareholders’ investments. A credit union is a not-for-profit organization owned by its members. It exists to offer excellent service and affordable financial products to its membership.

How do credit unions operate?
Policies and procedures are set and monitored by a volunteer Board of Directors. Each credit union member has one vote and an equal voice in the management and direction of the credit union. The Board of Directors members, elected for three-year staggered terms, set policies under which the credit union management carries out its duties.

What are the benefits of First Choice Credit Union membership?
As an FCCU member, you have access to the full array of financial products and services that the credit union offers as well as the FCCU Best Value Choice. This program means that our members always receive the best local value choices on First Choice Credit Union products and services, including the best local loan rates, the best checking account value and some of the best everyday savings and certificate rates in town. We provide more options and tailored products for our members! Additionally, as partial owners of the credit union, members have the opportunity to vote for the FCCU Board of Directors. FCCU members receive the best in service and better rates on loans and deposits than traditional banks. Lastly, you are also eligible to enjoy special member offers, promotions, scholarships, and more!

How do I know if I’m eligible for First Choice Credit Union membership?
First Choice Credit Union membership is open to all persons and their immediate family members who meet one of the following criteria:

Do you live in Florida or have family members already FCCU members? If so, please read on and see if this is the Credit Union for you!

Membership in First Choice Credit Union is open to:

  • Anyone living or working in Palm Beach County.
  • All employees and retirees of the federal government and veterans of any branch of the service living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades, or Hendry counties.
  • Individuals holding a professional license from the state of Florida and living or working in Palm Beach, Broward, Martin, St. Lucie, Okeechobee, Glades, or Hendry counties.
  • All family members of an existing member.

Once a member, always a member!

Please help us deliver the news to your friends and family. They can stop by any First Choice Credit Union branch to join and receive the same great service and benefits you receive!

How do I become a member?
Stop by any FCCU branch to open a Share (Savings) account. The $5 minimum balance in your savings account establishes your membership and gives you access to all First Choice Credit Union membership benefits. It also enables you to vote for our Board of Directors. Please bring a photo ID with you when you open your account. Learn more about becoming a member.


How are my deposits insured?
Funds on deposit at First Choice Credit Union are privately insured by NCUA up to $250,000 per account. NCUA insures accounts which allows for an unparalleled level of protection for First Choice Credit Union members’ deposits.

Can I access my accounts without going to a branch office?
You bet! Our automated phone service, Call 24 Touch Tone Teller, is available 24 hours a day, seven days a week, allowing you to transfer funds between accounts, make payments to your First Choice Credit Union loan, check your account balances, review account history, and more! You may also sign up for FCCU Online Banking and real-time Mobile Banking to access your accounts free of charge. Lastly, we also offer Mobile Check Deposit to enable you to deposit a check from anywhere you have internet access and your smart phone. Learn more.

How do I notify First Choice Credit Union of a change of address?
There are several ways you can notify FCCU of an address change:

  • Update contact information through FCCU Online Banking.
  • Print Change of Address form and mail.
  • Call the First Choice Credit Union member support team at (561) 641-0100, select option 2 for our contact center, and request a Change of Address form. Call toll free at (800) 449- 3328.
  • Visit any FCCU branch.

What is First Choice Credit Union’s routing number?
If you have a checking account at First Choice Credit Union, this number is located on the bottom of your check. FCCU’s routing number is 267083349. The routing number is also referred to as a routing and transit number.

How do I establish Direct Deposit?
To establish Direct Deposit, you must contact your employer for the appropriate forms. First Choice Credit Union’s routing number is 267083349. For more information, call First Choice Credit Union member support team at (561) 641-0100 and select option 2 for our contact center. Call toll free at (800) 449- 3328.

Online, Mobile, and Telephone Banking

How do I sign up for FCCU’s Online Banking?
To connect to online banking:

  • Visit www.firstchoiceCU.org.
  • Look for the Online Banking icon and click the Register link.
  • Enter your account number (or username if you have created one) and click Submit.
  • Enter your password and click Next. If you have logged in before, you will also need to answer one of your chosen security questions.
  • First-time users should follow the instructions on the screen to change your temporary password and set up your security questions and other settings.
  • When the online banking screen appears, you are in!

How do I access FCCU’s real-time Mobile Banking?
To log in to FCCU’s Mobile Web Banking, type www.firstchoiceCU.org into your mobile phone web browser and click the Online Banking icon. Your phone will automatically switch to the mobile version after a few seconds.

How do I sign up for Text Banking?
You can enroll in Text Banking by simply texting the phrase FCCU to 1-877-909-3228.

What are the Text Banking commands?
Use texting to stay informed and in control of your accounts. Easily text anytime to see an account balance or to transfer funds. You can also set up eAlerts to automatically receive text messages regarding account balances, ACH transactions, or loans payments due.

Text Banking makes it easy to access account balances and transactions, right on your mobile phone. It’s the fastest way to get your balances—anytime, anywhere. Simply text the command to 561-641-0100. Click here for more commands.

Identity Theft

What should I do if I think I may be a victim of identity theft?
If you are a member of First Choice Credit Union, you should contact us, and we will close affected accounts or place a notification on accounts that have not been directly affected. It is important that you notify all your credit card issuers and other creditors. File a police report and keep copies of the report to prove that unauthorized charges do not belong to you.

The Federal Trade Commission has an ID theft affidavit, a form for victims to provide to creditors and credit-reporting agencies. It can be downloaded at http://www.ftc.gov/bcp/edu/microsites/idtheft/ or you can receive the form by mail after calling 1.877.IDTHEFT. Trained counselors are available to speak with you and assess your situation.

To further protect yourself, you should contact one of the three major credit-reporting agencies to place a message on your credit bureau report at no charge to you. Each fraud unit will share this information with the other two agencies. Here is the contact information for the three credit-reporting agencies:

P.O. Box 740241
Atlanta, GA 30374
(800) 525-6285

P.O. Box 9530
Allen, TX 75013
(888) 397-3742

Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92634
(800) 680-7289.

Privacy Policy

Does First Choice Credit Union have a Privacy Policy?
Yes, we have a member Privacy Policy that regulates and protects all member data.