Question Mark

General FAQs

The answers you need to the questions you have.

Let us help you find your eligibility! Give us a call at 409.948.8541 or 800-231-6053 or open an account online. Once we established your eligibility, we will set up a membership savings with you.


AMOCO has one routing number for all accounts. The routing number is also known as the Transit or ABA number.

Please contact our call center at 409.948.8541 or 800.231.6053 and we can help you. To complete electronic transactions or to set up direct deposit, please use your complete ten-digit account number.

Most of your transactions can be performed through our drive-thrus. When you visit one of our branch drive-thrus, pull up, and one of our AMOCO representatives will greet you and assist with your transaction!

Drive-thru Services:

  • Deposits
  • Withdrawals
  • Instant Issue of Debit Cards
  • Open an Account
  • Apply for a Loan

To set up direct deposit, please contact your employer’s payroll department. You will need to provide the routing number (313189391) and your ten-digit account number.

Hold times on deposited checks are based on the individual deposit. Regularly, mobile deposits are available every two hours and are typically available within 30 minutes of the below posting times.

Regular business week: 9:00 a.m., 11:00 a.m., 1:00 p.m., 3:00 p.m., and around 5:00 p.m.

Saturdays: 9:00 a.m., 11:00 a.m.

Please refer to our Funds Availability Policy.

The quickest way to get checks ordered, would be to call our call center at 409.948.8541 or 800-231-6053 and we can help you.

Regularly, ATM deposits are available between 11:00 a.m. to noon. Please refer to our Funds Availability Policy.

Funds will be made available within 3-5 business days for fraud disputes, while non-fraud disputes may take up to 30 business days.

Please let AMOCO know about upcoming travel plans by doing one of the following:

  • Before traveling verify your debit card expiration date is good and bring extra cash for emergencies
  • Filling out our Travel Notification Form and dropping it off at any branch or e-sign
  • Sending us a message in our Online Banking Message Center
  • Call us and let us know! Call us at 409.948.8541 or 800-231-6053


AMOCO makes it easy to manage your money on your schedule. When you travel, we can travel with you. Manage your finances 24/7 through Online Banking and our Mobile App.

The best way to know about upcoming events is to subscribe to our newsletter, visit our News & Events or to follow us on social media.

Your savings are federally insured and backed by the National Credit Union Administration for up to $250,000.

To ensure you receive texts, please verify that your cell phone number is your primary contact. To verify, please call us at 409.948.8541 or 800.231.6053 and we can have it set up for you..

If a text seems suspicious or you are unsure of a number, please call us at 409.948.8541 or 800-231-6053.

A few text numbers that come from AMOCO:






Please know that while it’s impossible to prevent frauds and scams, there are ways to minimize your risk. A good reminder is to never share any personally identifiable information with someone who has contacted you unsolicited, whether by phone, social media, or email.

If you receive a questionable message from AMOCO, please hang up and call our direct line at 409.948.8541 or 800.231.6053.

If you have received a suspicious email, phone call, or text claiming to be from AMOCO, we would like to know so we can investigate and inform the rest of our membership. Please report the message. 

Have you ever missed a loan payment due date? You’re not the only one! Whether it’s a busy schedule or an emergency, life happens and we get it. That’s why if you’ve forgotten to make a loan payment, you’ll receive an email from and a text from 77376 giving you a friendly reminder about your loan payment (excluding Mortgage Loans and Credit Cards) and the convenient ways to make a payment.

To dispute a fraudulent charge for a cash app, please visit our Cash App Dispute FAQs and follow the steps to for the cash app you are using to dispute the transaction.