Shell FCU is federally insured by the National Credit Union Administration. Anyone who lives, works, worships, attends school, or regularly conducts business in Harris County, TX can bank with Shell FCU once a $5 savings account is established for membership. Offers valid at Shell FCU branches June 15 through August 15, 2018. If warranted, 1099 forms will be issued in January 2019. Incentives will be withheld at closing for new accounts closed within six months. If funds are unavailable at the time of closing, the account will be overdrawn and the account holder will be held responsible for repayment. Shell FCU reserves the right to discontinue any promotion at any time for any reason. Coupon must be presented at time of account opening to receive rewards. Restrictions and qualifying criteria may apply. REFERRED INDIVIDUAL [NEW MEMBER]: Must not be a member or previous member and promotion must be mentioned at the time of account opening. The $5 initial deposit will be deposited in to the savings account and a $15 reward will be deposited into the checking account. REFERRING MEMBER [EXISTING MEMBER]: If this promotion is mentioned during account opening by the referred individual opening a new savings and checking account, the existing member will receive a $20 reward deposited to their savings account within 48 hours of new member account opening for referring the new member. Existing member must be in good standing to receive referral reward.