Hello and Welcome to USALLIANCE!

As you are aware, we converted your accounts from the previous Marriott Employees’ Federal Credit Union (“MEFCU”) banking system to the USALLIANCE Financial system at the end of September 2023. All of us at USALLIANCE are thrilled to welcome all former MEFCU members into the USALLIANCE family, and we couldn’t be happier with all of the positive messages we’ve received so far!

The final piece in the conversion process will be credit cards. For the time being, your MEFCU credit card will still work, and you can access your credit card account online directly at We will provide further information later in 2024 as we prepared for the credit card conversion.

We want to make sure that all our new members have the information they need to become comfortable at USALLIANCE, so we have provided additional information as well as answers to some frequently asked questions below.

If you have further questions, please feel free to contact Member Services, who will be happy to assist you:

Have questions about your account?

See our FAQs below!


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 should have received your new USALLIANCE member number and account numbers. If you have not received this information, please contact Member Services.


Members should have received a printed version of their September 2023 monthly statement in the mail. Statements were mailed via the USPS after October 5, 2023. Members who typically see their statements within digital banking will be able to view their eStatement starting in November with their October statement period. Transaction history prior to October 2023 will not appear in USALLIANCE digital banking.

Debit Cards

Your replacement Visa® debit cards were mailed prior to conversion and should have arrived the week of September 18. If you have not received your debit card, please contact Member Services.

Activation directions can 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.

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

If you have not done so already, 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.

If you previously used MEFCU's Online Banking Platform, you will be able to sign in for the first time using your username and password. If you are new to online banking, please register for Digital Banking by visiting 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

Are my funds safe and secure?
I have multiple accounts. Will I have more than one member number?

Deposit Products

What fees does USALLIANCE charge?
What is the USALLIANCE routing and transit number?
How can I make deposits to my USALLIANCE deposit accounts?

ATM/Debit Cards

How do I activate my USALLIANCE debit card?
What surcharge free networks are available

Credit Cards

How do I access my credit card information online?
When will my MEFCU credit card convert to a USALLIANCE credit card?
When will my credit card reward points transfer?
Are there any changes to the rewards program?


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?
What transactions can I perform using Dial-Up?