Dear Valued Member:

Hello and welcome to the USALLIANCE family! As we work towards completing your transition from MEFCU Direct to USALLIANCE Financial, we have made every effort to ensure this process is as seamless as possible.

This page has been created to answer any questions you may have pertaining to this transition and how you and your accounts might be affected. Please take a moment and read through this material prior to our conversion weekend Friday, September 29, 2023 - Sunday, October 1, 2023

Should you have any questions after the conversion on October 1, please reach out to our Member Services team at (800) 431-2754 or via Live Chat at Our representatives are available weekdays from 7:30 AM to 8:00 PM ET and Saturdays from 9:00 AM to 3:00 PM ET. Please note, as we anticipate a higher-than-normal call volume during the week of October 1, we encourage you to utilize our Live Chat service on to communicate directly with a knowledgeable Member Services Representative.

Again, welcome to USALLIANCE. We’re looking forward to providing you with the financial tools you need to live life fully.


Brett J. Wheeler signature.

Brett J. Wheeler
Interim CEO

Existing MEFCU Direct Members:

Access your account(s) as you usually do:

Login to Online Banking

Apply for lending products:

Credit Cards & Loans

New Members:

Click here to open your new USALLIANCE account.


Upcoming Changes to Your Account

This important information is being provided to you by USALLIANCE Financial to help guide you through the upcoming changes to your account. These changes are a result of USALLIANCE Financial merging core operating systems with MEFCU Direct.

We ask that you please pay particular attention to the following items as we anticipate they will have the greatest impact on your account relationship with USALLIANCE.

Member and Account Numbers

As part of this transition, you may receive a new USALLIANCE member number as well as unique account numbers for all of your accounts. We have made every effort to preserve your existing member number and account numbers. You will receive a letter containing your member and account information.

Debit Cards

Your replacement Visa® debit cards will arrive in the mail the week of September 18.

Your new card(s) may be activated prior to September 29. Activation directions will be found on a sticker placed on the front of the card. For joint accounts, each debit cardholder will have a unique card number. This is a security measure should one of the cards become lost, stolen, or otherwise compromised. You may continue to use your existing Visa debit cards through September 28. On September 29, please begin using your USALLIANCE Debit Card.

Automatic Debit Payments

Please be sure to update automatic payment information (to merchants such as iTunes, Hulu, Amazon, etc.) from your Visa debit card to your new number on or after September 29 to avoid any service interruptions.

New Routing Number

The Routing number for USALLIANCE is 221981063. Effective October 1 and going forward, please use this number (221981063) when setting up automatic payments.

Direct Deposit

You do not need to make any updates to your direct deposit information before the conversion.

Our systems have been set up to account for this change and will process your direct deposit as usual during conversion weekend. After the conversion, please contact your direct deposit issuers (employer, Social Security, etc.) at your earliest convenience to provide them with your new USALLIANCE account and routing number. Deposits made using your MEFCU account and routing numbers received after October 1 may experience a slight processing delay.

If you receive direct deposits from Social Security, please contact their offices at (800) 772-1213 after October 1 to update your account information.

Automatic Payments

For any automatic payments you may have, you will be required to update your account number(s) and routing number to your new USALLIANCE information on or after October 1.

Effective October 1, 2023, automatic payments using MEFCU account number(s) or routing numbers may result in delayed processing.

Online Banking

MEFCU’s Online Banking platform will no longer be available after September 28. Beginning on October 1, you will have access to USALLIANCE Digital Banking.

To register for Digital Banking, please visit on or after October 1. This process will take less than 5 minutes. We have made every effort to preserve your existing username, but you may be prompted to create a new one upon registration.

Telephone Banking

You may utilize the USALLIANCE telephone banking system, Dial-Up, beginning October 1. For initial access, your default password will be set as the last 4 digits of your Social Security Number. Immediately upon access, you will be prompted to change that password to one of your own choosing. Please note that check withdrawals are not available through Dial-Up. You may request a check withdrawal by calling Member Services at (800) 431-2754.

Account Information

When will the conversion of my MEFCU accounts occur?
Will I have access to my funds during the conversion?
Will my personal data be safe and secure?
Are my funds safe and secure?
Will my member number remain the same?
I have multiple accounts. Will I have more than one member number?
What if I have an account with MEFCU and USALLIANCE?

Deposit Products

Will my member share change?
Will my IRA change?
Will fees be different?
What is the USALLIANCE routing and transit number?
Will I need to order new checks?
What will happen to my bill pay information?
How can I make deposits to my USALLIANCE deposit accounts?

ATM/Debit Cards

Will I receive a new ATM/Debit card?
When can I activate and use my USALLIANCE ATM/Debit Card?
Will my ATM/Debit PIN change?
What surcharge free networks are available

Direct Deposit, Payroll Deduction, & Automatic Payments

What will happen to my current direct deposit?


Will my loans change?
Where do I mail my loan payment?

Account Access

Will I still be able to access the MEFCU Contact Center at (800) 821-7280 after October 1?
Will the MEFCU website ( remain accessible?

Digital Banking System

Do I have to re-register for digital banking?
What information do I need to register?
Will my Username (Sign-On) ID and password remain the same?
Will I be able to view prior account history in Digital Banking after the conversion?

Telephone Banking

Will the phone number to access MEFCUDirect Telephone Banking change?
Will Telephone Banking be available during the conversion?
What transactions can I perform using Dial-Up?

Download Conversion Guide


Conversion Weekend

All existing MEFCU Direct members can continue their financial business as usual for the time being, using the same account and phone numbers, and speaking with the same great team you are familiar with on the other end of the phone.In the coming months, we will be working to transition your MEFCU Direct accounts to USALLIANCE Financial accounts.

We will update you about what to expect regularly, including new account features, changes to your account numbers, and information to help you take full advantage of everything USALLIANCE has to offer.

Existing MEFCU Direct Members:

Access your account(s) as you usually do:

Login to Online Banking

New Members:

Click here to open your new USALLIANCE account.