MEFCU Direct

We will begin the conversion process after our branches close on Saturday, September 30. We will open for business as usual on Sunday, October 1.

During the conversion process, you will be able to access to your funds through your USALLIANCE ATM or Visa debit card. Access to branch services, Digital Banking and Dial-Up will not be available. Member Services will be available on Saturday from 9:00 AM to 3:00 PM ET for general questions only. They will not have access to specific account information or be able to perform transactions.

Yes. Your personal data and account information is safe and secure.

Yes. Your funds remain safe and secure at all times. Accounts continue to be insured by the National Credit Union Administration for up to $250,000 per member.

We have made every effort to preserve your member number. In some instances, a new member number will be assigned to your membership. These will become effective on Monday, October 1.

No. You will only have one member number per Social Security Number (or Tax ID number for businesses). All your accounts will be viewed under this number.

Your accounts will be combined under your USALLIANCE member number.

Yes. Currently, you have a $5.00 minimum balance. USALLIANCE’s par value is $1.00.

Yes. Your IRA accounts will be converted over as USALLIANCE certificates or USALLIANCE Retirement Savings accounts, depending on the type of IRA savings account you had with MEFCU Direct.

Some fees will be different. Please review the USALLIANCE fee schedule that you received in August.

221981063

No. We have ordered you new USALLIANCE checks. Please discontinue use of your old checks starting on October 1.

Members who maintain an active bill pay account will have all their payees and scheduled transfers transferred over to Digital Banking; you will not have to re-enter any bill payment information.

Members can make cash and check deposits at USALLIANCE branches, shared branch locations, and designated deposit-taking ATMs. Additionally, check deposits can be made via Digital Banking mobile deposit and by mailing deposits to:

USALLIANCE Financial
411 Theodore Fremd Avenue, Suite 350
Rye, NY 10580-1410

Yes. You will receive a new USALLIANCE ATM/Debit Card. It will arrive via regular postal service during the week of September 18 in a plain white envelope. For joint accounts, your new ATM/ Debit Cards will feature different card numbers for each cardholder as a security measure should one of the cards become lost, stolen, or otherwise compromised.

You may activate your new card prior to September 29 by calling (833) 263-2833. As of September 29, your MEFCU Debit/ATM card will no longer work. On September 29, please begin using your new USALLIANCE Debit/ATM card.

Yes. When you receive your new USALLIANCE ATM/Debit Card, instructions will be included on how to select a new PIN. You will no longer receive your PIN in the mail. Your MEFCU PIN will not transfer to your new card.

USALLIANCE does not utilize the Allpoint network. For surcharge free transactions, you can utilize an ATM that participates in the CO-OP network or any Citibank branch ATMs. Please visit our branch and ATM locator at usalliance.org for the ATM nearest you.

MEFCU credit card accounts will be converted in March 2024, at which time you will be reissued a USALLIANCE credit card in place of your existing MEFCU card.

MEFCU credit cards will convert to USALLIANCE in March 2024. We will transfer all your points to your new USALLIANCE credit card at that time.

One difference is that, currently, MEFCU reward points DO NOT expire and USALLIANCE reward points expire after three years. Once the points are converted in March 2024, all rewards points will expire after three years. Members will be informed of any additional changes as the credit card conversion date approaches.

Please contact your direct deposit issuers (employer, pension, etc.) to provide them with your new USALLIANCE account and routing number (221981063) effective October 1. All deposits made using your MEFCU account and routing numbers received after October 1 may experience a 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.

No. Your loans will continue with the same terms and payments. However, your loan account numbers will change so any automatic payments from other institutions will need to be updated on or after September 29th.

USALLIANCE Financial
411 Theodore Fremd Avenue, Suite 350
Rye, NY 10580-1410

No. Beginning October 1, please call (800) 431-2754 to speak with Member Services. Representatives are available weekdays 7:30 AM to 8:00 PM ET and Saturdays 9:00 AM to 3:00 PM ET. You may also utilize the Live Chat service on our website to communicate directly with a knowledgeable Member Services Representative during the same hours. Your PIN will be the last four digits of your SSN.

No. The MEFCU website will no longer be available after conversion. As of October 1, account access, online applications and other important product and service resources will transition to usalliance.org.

Yes, you will have to register for USALLIANCE Digital Banking by visiting usalliance.org.

To register, you will need the following information:

• First Name
• Last Name
• Social Security Number
• Date of Birth
• Account Number
• Zip Code

We have made every effort to preserve your existing username, but you may be prompted to create a new one upon registration.

If you are prompted to create a new username and password, please follow the guidelines below.

Username must:

• Have between 8-32 characters
• Not contain any of the following special characters: `~!@#$%^&*()_+=[]{};:’”?<>.,/\-
• Not contain whitespace

Password must:

• Have between 10-99 characters
• Contain at least one letter
• Contain at least one number
• Contain at least one uppercase letter
• Not contain any of the following special characters: `~!@#$%^&*()_+=[]{};:’”?<>.,/\-
• Not contain whitespace

No. Only activity from October 1, 2023 forward will be accessible in Digital Banking.

Yes. You can access the USALLIANCE 24-hour Dial-Up telephone banking service by calling (800) 431-2754 and selecting option 2.

No. Telephone Banking will not be available from Friday, September 29 through Sunday, October 1.

You can use Dial-Up telephone banking to:

• Obtain an account summary
• Transfer money
• Make a loan payment
• Advance from a loan
• Obtain account details

Please note that check withdrawals are not allowed through Dial-Up. You may request a check withdrawal by calling Member Services at (800) 431-2754.