Shell FCU | AlertList


17 Feb 2023

Annual Meeting Notice - March 2023

Save The Date: 86th Annual Meeting

Friday, March 24th, 2023 | Meeting Begins Promptly At 7 PM

Deer Park High School - South Campus
710 W San Augustine, Deer Park, TX 77536

The Nominating Committee has submitted the following members for the vacancies on the Board of Directors: Chester Servance (3 year term), Salma Hartley (3 year term), and Darrick Duke (3 year term).

17 Feb 2023

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2 Feb 2023

Tax Refund Q&A

Shell FCU is excited to post your tax refund! Below are a few common questions and answers that may help ensure your tax refund process at Shell FCU goes smoothly.


Frequently Asked Questions

Q: Can Shell FCU check the status of my refund?

A: No, only the IRS has knowledge of when the refund will be processed and sent to the financial institution or when a check will be mailed.


Q: What happens if my tax refund direct deposit is returned?

A: Returns are typically sent to the IRS, and the IRS will be responsible for issuing you a check. Members are advised to contact the IRS in the event that a tax refund direct deposit is returned. If you used a tax preparation service, it may be best to contact the preparer before reaching out to the IRS.


Q: What could cause a tax refund direct deposit to be returned?

A: Incorrect account/MICR information is the #1 reason for a tax refund to be returned. Other reasons include: closed account, account restricted, and payees missing from an account.


Q: Where can I locate my MICR information?

A: MICR information is available in Digital Banking by selecting your savings or checking and navigating to the “Details” tab. Members can also contact a Shell FCU representative to obtain their MICR information.


Q: What if my tax refund is made payable to multiple parties?

A: All parties must be on the account. If the refund is sent via direct deposit, it may be rejected if all payees are not on the account. If the refund check is deposited via ATM or Mobile Deposit, it may be rejected if all payees are not on the account.


Q: If both parties visit a branch, is it possible to deposit/cash a tax refund check?

A: If both parties (member and non-member for example) come into a branch with valid identification, we may be able to accept the check for deposit and/or cash it.


Q: Will there be a hold placed on my tax refund check?

A: Generally, government issued checks are not placed on hold, although exceptions may occur.


Q: What if the check has a different last name than what’s on my account?

A: The payee name will need to match Shell FCU records in order to negotiate the item.


Q: What if the check has DECD (deceased) next to one of the parties on the check?

A: Shell FCU can negotiate for the receiving party as long as they are a member. If receiving party is not member, we can offer membership or refer them to their bank to negotiate.


Q: Does the check need to be endorsed by all parties listed on the check even if they are on the account?

A: Yes, due to it being a government issued item, the check must be signed by all payees.



30 Nov 2022

Shell Insurance Agency – Important Policyholder Notice

In our ongoing efforts to provide transparent and outstanding service, Shell Federal Credit Union would like to inform you of an upcoming change with Shell Insurance Agency. With the changing economy and increasingly complex insurance environment; effective December 31, 2022, Shell Insurance Agency will be dissolving and will no longer quote or bind new policies. To ensure a seamless transition, our partner agency, Alloy Insurance Partners will continue to support and manage your insurance needs.  

As a policy holder of Shell Insurance Agency, you can expect beginning January 2023:

  • Existing policies will remain in effect; no changes will be made to your current coverage as a result of this change.
  • The (713) 844-1111 phone number will continue to rollover to Alloy Insurance Partners, as they have always assisted with call overflow, and will now answer all calls and requests.
  • As a current policyholder you will receive communications directly from Alloy Insurance Partners.

Please refer to the FAQ below for additional information. If you have any further questions or concerns, please reach out to the team at (713) 844-1111 or Shell Federal Credit Union at (713) 844-1100. As always, thank you for your continued trust and your business.


Frequently Asked Questions

Q: Does this mean I need to get new insurance?

A: No, changes will not be made to your current coverage as a result of this change.


Q: Will I still have a dedicated agent?

A: Alloy Insurance Partners has provided support for Shell Insurance Agency throughout our operation and this team of agents will continue to assist you. You can reach them by calling (713) 844-1111 or (800) 527-2209.


Q: Will my current policy information be available to Alloy Insurance Partners?

A: As our partner agency, Alloy Insurance Partners, has been involved in managing our client’s insurance needs throughout and will continue to be able to access and assist with your policy as always.


Q: What happens if I need to add or change coverage?

A: Alloy Insurance Partners will be able to assist with all changes to your existing policy and additional insurance needs. You can reach them by calling (713) 844-1111 or (800) 527-2209.


Q: How can I contact Alloy Insurance Partners?

A:  Alloy Insurance Partners LLC

Phone : (800) 527-2209

Fax : (888) 891-1318

Email :

Shell Insurance Agency, LLC (SIA) is a subsidiary of Shell FCU. Membership with Shell FCU is not required to receive a no-obligation quote, nor commit to insurance services with Shell Insurance Agency. Insurance products are not deposits of Shell FCU and may subject risk. Any insurance required as a condition of an extension of credit by Shell FCU need not be purchased from Shell Insurance Agency, LLC and may be purchased from an agent or an insurance company of the member’s choice. Business conducted with SIA is separate and distinct from any business conducted with Shell FCU. A soft credit inquire, which does not affect credit score, will be required to provide an insurance quote.
8 Nov 2022

Scam Alert - Past Due Utility Bills

Attention Shell FCU Members!

Fraudsters continue to evolve scams associated with Mobile Payment Apps, such as Zelle, Venmo and Cash App, by introducing urgency to pay supposed delinquent utility bills to avoid service being discontinued. Beware of scammers calling or texting claiming to be from a utility company stating they did not receive payment and service will be turned off if payment is not sent immediately.

We suggest you disconnect the call and then call the verified utility company phone number or login to their website to verify your balance. If payment is due immediately, please make payment through the verified utility company website, their payment by phone or your financial institution’s Bill Payment. Funds sent through Mobile Payment Apps are non-refundable and should only be sent to verified recipients.

If you have any questions or if you are targeted by a scam like this, please report it to the FTC at