Shell FCU is federally insured by the National Credit Union Administration (NCUA) and is an Equal Opportunity Lender. With a $5 initial deposit, anyone who lives, works, worships, attends school, or regularly conducts business in Harris County, TX, can bank with Shell FCU. Other restrictions may apply. Offer valid through December 31, 2026. ¹A new checking account is defined as the member's first consumer checking account with Shell FCU. Earn $250 when the following are met within 90 days of account opening: open a new Checking or eChecking account with a $1 deposit, ²receive at least $2,000 in consumer Automatic Clearing House (ACH) direct deposits, ³enroll in eStatements with a valid email address, and ⁴access your account in Digital Banking. ACH deposits must be prearranged such as payroll, government benefits or other similar prearranged deposits. ACH deposits originated in Digital Banking or by Shell FCU do not qualify. Promotion must be mentioned to the Shell FCU representative at account opening. Shell FCU reserves the right to modify or discontinue the promotion without notice. If warranted, 1099 forms will be issued the following January. Incentives will be withheld for accounts closed within six months. If funds are unavailable at closing, the account will be overdrawn and the account holder responsible for repayment. Existing Members: Earn a $50 reward for each person you refer who opens a new Shell FCU Checking Account and completes the required qualifications within 90 days of account opening. Qualifications include opening a new checking account, receiving at least $2,000 in qualifying direct deposits, enrolling in eStatements, and accessing the account through Digital Banking. Referring members must be in good standing to receive the reward.