Account Services


HTFFFCU offers an array of services to compliment your checking and savings accounts.


Auto Pay

Auto Pay is a twofold service that allows you to both designate specific amounts of money from your direct deposit to go to different accounts in the credit union (including loan payments) and to pull money from other financial institutions to cover your loan payments with HTFFFCU.

Check Services

  • Money Orders - Money orders can be purchased at any of our three locations. Money orders can be purchased for a maximum amount of $500 each and there is a $1.00 fee per money order.

  • Savings Bonds - You can redeem US savings bonds at any of the three locations of the credit union. All savings bonds can be redeemed at the teller line of any branch location.

Direct Deposit

  • Direct deposit automatically deposits your paycheck into your credit union account(s) - checking or savings. Direct deposit allows you to earn dividends on funds as soon as possible. If you are not at work, your paycheck still arrives at the credit union on payday.

  • Please contact us to verify your account number or to confirm the credit union routing number and get started with direct deposit today!

  • For your convenience, you may download the City of Houston Direct Deposit form by clicking here.

Overdraft Services

Overdraft Services help you pay for your expenses even if you don’t have sufficient funds in your checking account to cover them. We offer two types of overdraft services: Overdraft Protection and Overdraft Tolerance.

Personal Automated Telephone Teller (PATT)

Wherever you find a touch-tone telephone you’ll find your credit union. With P.A.T.T. you can use the phone in your home, office or anywhere in the continental United States to quickly and conveniently access your HTFFFCU account.

Safe Deposit Boxes

Besides your family members and pets, what would you grab if you knew a natural disaster would hit your home in five minutes? Those items--anything that would be extremely difficult or impossible to replace--are candidates for a safe deposit box.

Signature Certifications

  • Medallion Stamp - HTFFFCU participates in the Medallion Stamp Guarantee Program which allows us to guarantee signatures on Securities and Stock transfers up to $100,000 at no cost to you the member. Just bring your stocks or bonds to the main office along with a valid driver’s license. Endorsements must be completed in front of the credit union employee.

  • Notary Services - Members of HTFFFCU can have their important documents notarized free of charge. Bring your forms to be notarized and a valid ID to the credit union, sign the form in front of a Member Service Representative and one of our certified notary publics will notarize your documents for you.

  • Signature Guarantee - HTFFFCU participates in the Signature Guarantee Program. Your credit union can guarantee endorser’s signature on the back of a check. This would guarantee the identity of the signer.

Wire Transfers

Wire transfers allow you to send and receive guaranteed funds to and from any one around the country. A fee of $20.00 is charged for all outgoing domestic wire transfers. We do not offer international wire transfers.

Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in your account on the same business day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the same business day. Then the funds will generally be available by the second business day after the day of your deposit.

For your convenience, we have included the full disclosures: