- Routing #311982435
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- Contact Us
Let's get you started with digital banking!
- Routing #311982435
- Schedule an Appointment
- Contact Us
- Why is Texas Telcom Credit Union merging with America's Credit Union?
The merger brings long-term benefits to members of the combined credit union, including:
- Access to a wider range of financial products and services.
- Innovative digital banking capabilities for convenient, 24/7 access.
- Broader geographic reach with expanded branch and ATM networks.
- What is the timeline for completion of the merger?
The merger with system conversions will be completed after July 1, 2025.
- What is the America's Credit Union website?
You can find us at AmericasCU.org.
We encourage you to take a look!
- Will branch hours change?
No, the currently posted hours coincide with the office hours of other America's Credit Union locations.
- Will shared branching services still be available?
Beginning July 1, 2025, shared branching service through CO-OP Shared Branch will be retired as we continue our focus on providing modernized, secure, digital-first solutions that better reflect how our members choose to manage their finances. You will have access to the following starting July 1, 2025:
- Nationwide ATM network — Use our large network of over 40,000 surcharge-free ATMs.
- Mobile deposit — Deposit checks from anywhere using our mobile app.*
- 24/7 Digital banking — Transfer funds, pay bills, set alerts, manage cards, and more.
- Expert support — 7 branches in TX and MO, Dallas-based Contact Center, and live chat.
- Credit Score — Free credit score, alerts, and insights all built into digital banking.
- Get paid early — With direct deposit, get paid up to 2 days early! **
* Deposit limits vary based on several factors, including account history. Holds may apply per Regulation CC.** Electronic deposits may be available up to two business days early, depending on the timing of receipt in our Automated Clearing House (ACH) database. The member's account must be in good standing, and the member must be enrolled in direct deposit through their employer. Excludes International deposits.
- Is there a plan to install a coin machine at the White Rock office?
The White Rock Branch does not currently have a coin machine, but we are open to exploring that option in the future. In the meantime, coin machine services are available at our Lancaster, Forest, and Royal branches. You can find these locations here.
- Will the White Rock office receive an ATM?
The White Rock Branch does not currently have an ATM, but we are open to exploring that possibility in the future. In the meantime, America’s Credit Union offers access to a nationwide network of over 40,000 surcharge-free ATMs for your convenience.
- Will the Texas Telcom Branch remain open?
Yes, after July 1, 2025, the Texas Telcom office will join the America's Credit Union branch network. You may visit our locations page for other locations near you.
- Will I have to set up all of my automatic payments (direct deposits) and withdrawals?
Yes, you will need to contact each merchant with your new routing number (311982435), account number (you will receive this by mail after June 18th), or debit card number (you will receive by mail after June 16th). You can use our Bill Pay service to manage your payments moving forward.
- Why are my accounts moving to America's Credit Union?
We are merging the two credit unions into one. To ensure a uniform transfer, your accounts will now be part of America's Credit Union starting July 1, 2025.
- Will my account numbers change?
Yes, you will receive a new account number after June 18th by mail.
- Can I open a new deposit account or loan prior to July 1, 2025 merger date?
You can open accounts at the White Rock branch before the conversion date, July 1, 2025. These accounts will seamlessly convert during the merger. We're committed to making this transition as smooth as possible for you.
Please remember, once the merger is complete, your new deposit account or loan will have a new account or loan number.
- Can I handle all my banking needs, including account changes, at other branches?
Starting July 2nd, you can handle all your banking needs, including account changes, at any branch you prefer. Our contact center is just a call away at 888-742-6551 if you need assistance. We're here to make your banking experience as smooth and flexible as possible!
- Will I continue to receive eStatements?
After July 1, 2025, all members will be automatically switched to paper statements. Once you register for our digital banking experience, you can accept the terms and conditions to receive eStatements.
The America's Credit Union statement notifications will come from the email address no-reply@edelivery.americascu.org and include the message "Your America's Credit Union eStatement is now available." If needed, please adjust your email settings to accept this email notification.
- Will my routing number change?
Yes, it will change to that of America's Credit Union's routine number, 311982435. For a period of time, checks processed with the Texas Telcom Credit Union routing number will be accepted.
- Will the "Little Bucks" accounts still be available?
The 'Little Bucks' accounts will convert into an interest-bearing Kids Account. While they will no longer be called 'Little Bucks,' they will continue to offer great benefits for young savers. Please visit our Kids Savings accounts here.
- What will happen to my IRAs and CDs?
All account types, including CDs, IRAs, and other share accounts, will seamlessly transfer during the merger. We’re committed to ensuring this transition is as smooth and effortless as possible for you.
- Will my account continue to be insured through the NCUA?
America’s Credit Union is federally insured by the NCUA, providing our members peace of mind and secure coverage.
To learn more about share insurance protection, visit ncua.gov/consumers/share-insurance-coverage.
- What will happen to my beneficiaries I have designated on my accounts?
Your current beneficiaries will carry over. All existing account information will transfer to your new America’s Credit Union account.
- Will there be changes to my account statement?
Yes, your account statement will have a new design and layout, but all the essential information you’re accustomed to will still be included.
- Can I use my Texas Telcom Credit Union checks after July 1, 2025?
You can continue to use your current checks even after the conversion.
- Will I receive a new debit card?
Yes, you will receive an America's Credit Union Visa® debit card. It will arrive after June 16th. On Wednesday, July 2, 2025, you can call 800-290-7893 to activate your new Visa® debit card and set a PIN.
Continue to use your current Texas Telcom Debit Visa® through Monday, June 30, 2025. Your Texas Telcom card will be DEACTIVATED after June 30, 2025.
If you use your Texas Telcom card for recurring transactions such as utility payments, remember to add your new card information to those accounts. - Will I receive a new credit card?
Your MasterCard® will be replaced with an America's Credit Union Visa® before July 25, 2025. Your balance from your current MasterCardV will be transferred to your new VisaV card.
- Will I need to reset my PIN on my debit card?
You will need to set a PIN for your new debit card, and it's a simple process. Just call 800-290-7893 on July 2, 2025, to get started.
- Where can I use the ATM surcharge free?
Starting July 2, 2025, you will have access to our large network of over 40,000 surcharge-free ATMs.
- Will there be any changes to Zelle (P2P payments)?
Starting July 1, 2025, real-time payments through Zelle® will be temporarily unavailable within our digital banking experience. This is part of our exciting preparations for a major upgrade to digital banking later this year. We understand this may cause some inconvenience and truly appreciate your patience. We're working hard to bring you this valuable tool as soon as possible. Thank you for being so understanding!
- Will my bill payments be automatically transferred?
Bill Pay - Please note that your payee information will not transfer to the new digital
banking experience. To prepare for this change, please print a copy of your payees' information
before the conversion on July 1, 2025. After you have enrolled in Digital Banking, you will have
the ability to add your Bill Pay payees to your account.Your Bill Pay history will not carry over
- Will I be able to use my TexTel Mobile Banking app on my smart device?
You must download the America's Credit Union mobile app "AmericasCU" from the respective App stores. We have added the QR code here for easy accessibility.
- Will the rate, terms and conditions of my loan change?
Your loan will retain its existing rate, term, and conditions.
- How do I apply for a loan?
You can apply for a loan
- At any of our office locations,
- On our website here
- Through our mobile app
- By phone at 888-742-6551.
- How do I contact America's Credit Union?
You can contact as by:
- Phone at 888-742-6551 or 214-320-8818
- Mail: America's Credit Union | PO Box 671149 | Dallas, TX 75367
- Visit any of our office locations
- What will happen to my automatic loan payments?
Any loan payments will be processed through the transition. However, starting July 2nd, you'll need to update any payments with your new account information (which you'll receive by mail after June 18th) and routing number to avoid payment disruptions.
- Is the lending department available on Saturdays?
We have a small staff available from 9:00 AM to Noon to process new loan applications or answer questions on existing loan applications. If you have any questions regarding your current loan with America's Credit Union, please call our contact center at 888-742-6551.
- Will my credit life and disability on my loans continue?
You should have received a mailing regarding the credit insurance on your loans after April 24, 2025, to inform you of a different product that will replace credit insurance. The new product is Debt Protection, and it covers more than your credit insurance, such as hospital benefits, loss of dependent benefits, and involuntary unemployment benefits. Please look for your mailer and follow the instructions included.
- Will I continue to receive the same monthly statement for my loan?
Yes, you will continue to receive your monthly loan statements.
- Will my loan number change?
Yes, your account number and loan ID will change. You will be notified by mail with your new loan ID number.
- What types of loans does America's Credit Union offer?
We're here to support your financial journey with a variety of loans, including Auto, RV, Motorcycle, Personal, Credit Cards, Home Equity, and Mortgages.