NOTICE CREDIT CARDHOLDERS: Your credit card due date has changed. See our Merger FAQs page for details.

MERGER FAQs (updated 10/20/21)

As you know, First Class American CU merged with United Texas Credit Union effective May 1, 2021. What you may not know is how this merger will affect you as an FCACU member. We have answers to some frequently asked questions (FAQs) for you below.

When will the name change take effect?

We will officially change our name to United Texas Credit Union effective May 1, 2021.

Over the next few months, you will see changes related to our correspondence, marketing, and signage. Your paperwork may reflect First Class American Credit Union (FCACU) throughout our transition to United Texas Credit Union (UTXCU).

Is the name changing because you have been acquired?

Yes, this change is the result of a merger. The credit union will continue to operate the same way, under a blended Board of Directors and employees you know and trust.

Is my money still safe?

Absolutely! Members’ funds are privately insured by American Share Insurance, as the result of a recent member vote. We offer our members even more coverage at $250,000 per account, with no limit on the number of accounts.

I have more questions. Who can answer them?

Please feel free to make a general inquiry in one of several ways:

  1. Visit us at either of our branches
  2. Call us at 817-834-9777
  3. Send us a message


What will I need to do in anticipation of this change?

Your accounts will not be closed, but to ensure that there are no duplicate account numbers, we will need to change all former FCACU members’ account numbers as follows:

Example: If your current account number is 12345, your new account number will be 40012345.

Will my account numbers change?

As mentioned above, your account number will change. You may continue to use your current FCACU checks and loan payment coupons until it is time to reorder. Starting in March 2022, UTXCU will start to appear on any future checks, cards, etc. that you order.

Will I need to change my direct deposit or automatic electronic transfers?

You may continue to use your current supply of FCACU checks and they will clear in the same manner as they now clear your account. After our data is consolidated with UTXCU in March 2022, there will be a grace period where you will be able to continue using FCACU checks and electronic payment information. As the cutoff date approaches, we will communicate the need to order new checks and to update your routing number and/or account number for electronic payments.

Do I need to notify payees if I am set up for online bill payments?

You may conduct your online bill payment transactions as usual. Any automatic payments you have set up will process as usual. After our data is consolidated with UTXCU in March 2022, there will be a grace period where you will be able to continue using FCACU electronic payment information. As the cutoff date approaches, we will communicate the need to update your routing number and/or account number for electronic payments.

Can I still deposit checks made payable to FCACU? How long will you accept these deposits?

Yes. We can accept deposits in that name for the foreseeable future.

Will I need a new debit, credit, or ATM card? Will my PIN change?

All debit and credit cards will be issued as Mastercards no later than the end of January. However, these cards will not be active and able to be used until March 1, 2022. Please retain and continue to use your FCACU Visa debit and credit cards through February 28, 2022.

All VISA card usage will be cut off effective February 28, 2022. Unfortunately, due to card merchant rules, we cannot offer any grace period where VISA and Mastercard cards can be used during the same time period.

Will anything change with my Visa credit card?

Yes, in advance of the data merger on March 1, 2022, we have adjusted due dates on your credit cards to match the due date for credit cards for UTXCU. The new payment due date for all credit cards is now the 15th of each month.

Will I need new checks?  Can I use my old checks?

Please continue to use your existing checks. They clear your account using the routing number located at the bottom of your checks. Checks with FCACU will continue to be accepted and clear. Starting in March 2022, when you order new checks, they will be updated to United Texas Credit Union.

Can I still use Shared Branches and CO-OP ATMs?

Yes, absolutely. Our relationship that allows shared branch and free ATM transactions will not change.


Will the website change?

Yes, in March 2022. UTXCU’s website is To ensure you have access during this transition, you will be able to access your Online Banking through both and will provide a dual logon for UTXCU members and members of the former FCACU. We will provide ongoing updates throughout March 2022 to reflect the new name and brand.

Will your e-mail address stay the same?

Our e-mail address will remain the same for the time being, but we will change it once we change our website address in March 2022.

Will online and mobile banking change?  Will my login information change?

Effective March 1, 2022, after the data has merged, you will need to log in via UTXCU’s Online Banking service. Your username will not change, but you will be required to update your password upon initial login.

Will I need to download a new app?

No, you will not at this time. However, once the data conversion is complete on March 1, you will need to download UTXCU’s Mobile app to your mobile device to access your accounts.


Will I continue to have access to credit union financing when I visit a car dealership?

Yes. This name change affects none of our dealer relationships. To ensure a smooth transition, your paperwork may have First Class American Credit Union on it throughout our transition to United Texas Credit Union.

How will the merger impact fees, loan rates, and deposit rates?

As a benefit of this merger, you will enjoy higher deposit rates, lower loan rates, and lower/fewer fees.

Will the merger affect my credit report?

The merger will have no effect on your credit score. Loans opened or closed prior to March 1, 2022, will continue to report as FCACU. Loans opened on or after March 1, 2022, will report as UTXCU.

Do I need to make changes to my auto and property insurance?

You do not. We will continue to accept insurance coverage with FCACU listed as the lien holder on existing loans. For future loans, please submit the following to your insurance provider for the lien holder clause:
United Texas Credit Union
5500 UTSA Boulevard
San Antonio, TX  78249


Will my statement change?

Your statement will continue to look the same through the April 2021 statement. After that, we will redesign your statement to reflect our new name.

Will my tax forms say FCACU or UTXCU?

Tax forms for 2020, mailed in 2021, will say FCACU. Tax forms for 2021, mailed in 2022, will have UTXCU on them.

Need Assistance?

Call (817) 834-9777

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