Shell FCU | Online Banking

Scam Alert - Paypal & Online Banking Credentials

Numerous members have received a text message and a subsequent call appearing to come from our main number, (713) 844-1100, and attempting to verify activity on the account. The caller eventually claims to need the member’s username and password for online banking. Shell FCU will NEVER request your User ID, Password, or any one-time-PINs needed to log in to online banking. This information is personal to you and we urge you to NEVER share that information with anyone. If you are unsure of the identity of the person on the phone, hang up and call us back at our main number, (713) 844-1100. 

Online Banking

Shell FCU offers Online Banking to give you more access and control over your accounts 24/7. Manage your money safely from any Internet-enabled computer when it’s convenient for you.

Online Banking allows you to:

  • Check balances on your accounts
  • Transfer funds between your accounts
  • Access and search transaction history
  • View pending transactions
  • Review your Shell FCU loans - including credit card, mortgage and student loan
  • Initiate loan payoff quotes
  • Set up account alerts and nicknames
  • Perform member to member transfers
  • Originate external transfers - between your Shell FCU accounts and your accounts at other financial institutions
  • Export account information to use with other computer software
  • Open additional accounts - Shell FCU members can open additional savings, checking, money market, Christmas club and term share certificates
  • And much more!


Password Requirements

Passwords must be a minimum of 8 alphanumeric characters and each character can only be used 4 times in your password. Your password must contain at least one non-alphabetic character and at least one alphabetic character. Special characters accepted are ! " # $ % & ( ) + , - / ; < = > ? [ \ ] ^ _ ` { | } * '

For your security, passwords will expire periodically.

As an added security feature, you will be logged out after 10 minutes of idle time. If you wish to regain access you will be asked to re-enter your password.

Member to Member Transfers

You will need the member’s account number (formerly known as member number), the first three characters of the primary account holder’s last name and their share or loan ID. The member can locate their share or loan ID within Online Banking. When logged in on the Accounts page, the share or loan ID can be found next to the account number. The ID begins with an S or L with four digits following. For example xxxxxxx1234 S0010. Therefore, the ID would be S0010.

External Transfers

External Transfers will allow you to transfer funds between your Shell FCU accounts and your accounts at another financial institution. These types of transfers are also known as Interbank Transfers or Bank-to-Bank Transfers. To perform an External Transfer, you will need your routing and account number at your other financial institution. Steps for this process include setup, verification and transfer. Eligibility requirements and transaction limitations will apply to this service.

New Online Banking Users

To enroll in Online Banking, review the Online Banking Agreement and Disclosure. Once you select “I Agree,” you will begin the enrollment process. You will need your Social Security number or Tax ID number (enter numbers only), account number and the email address currently listed on your account.

If you have questions or need further assistance, please contact us at (713) 844-1100.

Supported Online Banking Browsers

The current and prior major releases of Internet Explorer, Firefox, Safari and Chrome are compatible with Shell FCU’s Online Banking. When a new version is released to the web support will cease on the third-oldest major version. Please note that utilizing older browsers may result in disabled functionality or limited access to services. The supported browsers are for use with Online Banking and do not apply to use with mobile devices (phones/tablets).

Experience may be impacted if you access accounts via an embedded browser such as:

  • Personal or commercial financial management software (Quicken, Quickbooks, etc.)
  • Browser bar within AOL, Yahoo, Google, etc.
  • Internet portal access within gaming systems such as Xbox.
  • Browser add-ins (emoticons, FunWeb services, etc.)


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