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. Shell FCU reserves the right to modify or discontinue promotions without notice. Member Referral Promotion: Restrictions and qualifying criteria may apply. Offers valid at Shell FCU branches through December 31, 2025. Promotion must be mentioned to the Shell FCU representative processing the new account to receive incentives. To receive rewards, qualifications must be met within 60 days of account opening. If warranted, 1099 forms will be issued the following January. Existing Member: Earn a $25 reward for each new member referred who opens a new Checking account meeting the following qualifications within 60 days of account opening: debit card issued, enroll in eStatements, and establish at least one direct deposit. Existing member must be in good standing to receive referral reward.