Checking Accounts

Overdraft and Courtesy Pay


QMoney Loans

Checking Accounts

How do I order new checks?

We offer a quick and simple online ordering by calling our Member Service Center at 210-258-1234 or toll free at 800-688-7228. It's as simple as ordering them in person or over the phone. You can also order checks online at your convenience or call Harland Clarke toll-free at 800-275-1053 24 hours a day, 7 days a week.

How do I choose a checking account?

We offer easy to understand checking account options tailored to the needs of our members. There is a free checking account that comes without monthly fees and has no minimum balance requirement. Our dividend checking account earns dividends on your balance. Please explore our Checking & Savings to see all of the options, or talk to our Member Service Center at 210-258-1234 or toll free at 800-688-7228.

What are my options for overdraft protection?

Credit Human provides a number convenient options.  Learn more about your overdraft protection options.

When I deposit checks, how long until the funds are available to me?

Check our full funds availability policy (PDF) for details.

What's the difference between my balance and available balance?

Items may be held against your balance for a number of reasons. Learn more about pending items and the difference between your current balance and your available balance.

How do I set up automatic transfers between my accounts?

To set up automatic transfers between accounts, you can call our Member Service Center at 210-258-1234 or toll free at 800-688-7228 or visit any Credit Human location.

You can also set up automatic transfers in mobile or online banking by setting your occurrence frequency to your preference. Recurring transfers can be modified or cancelled at any time from mobile or online banking.
Setting up auto transfers Setting up auto transfers 2 Setting up auto transfers 3

How do I set up direct deposit?

To set up direct deposit payments, you need to provide bank account information to the organization that is paying you. You can do this by filling out a direct deposit form and providing a copy to your employer/organization and a copy to Credit Human by sending it to
Learn More

Overdraft and Courtesy Pay

What is Courtesy Pay?

Courtesy Pay is another option for overdraft protection. Courtesy Pay is designed to help members when other alternatives have been exhausted.  Learn more about overdraft protection options.

How much does Courtesy Pay cost?

There is no cost if you do not use the service; however, you will be charged our standard non-sufficient funds/overdraft (NSF/OD) fee of $25.00 for each item we pay. “Use” means you initiate an overdraft or non-sufficient funds transaction.

Are there other additional overdraft protection services to cover non-sufficient funds (NSF) or overdraft (OD) situations?

Yes. You can apply for a Credit Human Line of Credit or request to have your savings or money market account set up for automatic fund transfers. The structure and features of these services differ from Courtesy Pay. To learn more about a Line of Credit call us at 210-258-1234 or 800-688-7228 or visit one of our Credit Human locations.

Overdrafts should not be used to pay ordinary or routine expenses and you should not rely on overdrafts as a means to cover these expenses.  Avoid using this service as a short-term loan.

How quickly do I have to deposit funds to cover an overdraft?

You should bring your checking account to a positive balance as soon as possible. If you are unable to immediately bring your checking account to a positive balance, you will receive notices from us informing you of the situation and your options. If your account is still negative after 44 days, your account will be closed and reported to a consumer reporting agency and further collection efforts may begin.  If you are unable to pay the balance in full within 44 days and the negative balance was the result of Courtesy Pay, Credit Human may agree to set you up on an installment plan with up to four substantially equal monthly payments at a 0% Annual Percentage Rate.

I have a joint owner on my account, but I don’t want them to have overdraft coverage. Can my debit card be opted in and another card opted out?

No, overdraft coverage cannot be split. Overdraft coverage applies to the account, not to individual cards.

What accounts are not eligible for Courtesy Pay?

Savings accounts, public fund/charitable organization accounts, certain trust accounts, deceased member accounts, student minor accounts, and any other accounts for individuals under the age of 18 are not eligible for this service. We may, at our sole option and discretion, limit the number of your accounts eligible for Courtesy Pay to one account per household and/or one account per taxpayer identification number.

What if I don’t want Courtesy Pay?

You may choose to opt-out of Courtesy Pay by visiting any Credit Human location or calling our Member Service Center at 210-258-1234 or 800-688-7228.  Without Courtesy Pay, your insufficient funds items may be returned to the payee and/or declined at the point of purchase. You will still be charged the standard NSF/OD fee of $25.00.

What if I overdraw more than the limit?

In most instances, any item that exceeds the Courtesy Pay limit will be returned NSF/OD and the standard fee of $25.00 will be charged to your account.

Why do I have to provide prior authorization for one-time debit card transactions to be covered by Courtesy Pay? How do I provide this authorization?

Federal regulation requires that we obtain your prior authorization to pay these items. If you would like to provide authorization for us to pay these items, please visit any Credit Human location or call our Member Service Center  at 210-258-1234 or 800-688-7228.


How do I apply for a loan with Credit Human?

Already a member?
Take advantage of our streamlined application by logging into your account through mobile or online banking. Once in mobile or online banking choose Apply for a Loan.

Members without online banking access can apply using the non-member links below.  In this process you will open an additional Credit Human membership account which requires a $5 minimum deposit.

Not yet a member?
Use the links below to complete the online loan application and apply for Credit Human membership during the process.   Once a member, you'll become a part of a powerful financial cooperative with access to products designed with you in mind.

Credit Card Application

Home Loans Application

Personal Loan Application

Vehicle Loan Application

How can I find out about loan rates at Credit Human?

Our loans offer competitive rates, which are subject to change without notice. You can find our current loan rates published online or by calling our Member Service Center at 210-258-1234 or toll free at 800-688-7228.

Published rate information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. Factors that may affect loan rates may include, but are not limited to, your credit rating, the loan amount and term, or other factors specific to the type of loan you are pursuing.

How do I make a payment on my loan?

Learn various ways you can make a payment on your loan by visiting the Ways to Pay page. For instructions on how to use our online banking platform to make a payment, visit our video tutorial page.

What if I have questions about my loan?

If you have a loan with Credit Human, or need help with loan questions, please call our loan specialists, available Monday - Friday 7 a.m. to 7 p.m., or Saturday 9 a.m. to 3 p.m. If you need to report a servicing issue, to file a complaint, or get more information regarding a Credit Human loan, contact us by mail or email. Loan Inquiries by Phone
Toll Free: 800-667-7228
San Antonio: 210-258-1234

Loan Inquiries by Email:

Loan Inquiries by Mail:
Attention: LDS-Service Fulfillment
Credit Human
P.O. Box 1356
San Antonio, TX 78295-1356

Can I skip a payment on my loan?

Credit Human offers a range of solutions to help members during difficult times like this, particularly when you are faced with periods of reduced or lost income. Whether your personal situation calls for delaying a payment, increasing your credit line, waiving a fee or getting a loan, our team is here for you. To request a loan extension on a Credit Human loan please use our Loan Extension Request form.

Skipping a payment without incurring a fee is available in mobile and online banking for Signature and vehicle loans. Log into mobile or online banking and select Skip-A-Pay from the menu options.

How do I make the final payment on my loan?

You can make the final payment of your loan online or by calling our Member Service Center at 800-688-7228.
To make your payment online, log into mobile or online banking and choose Payoff amount when making a payment.

For additional ways to make your final payment visit

QMoney Loans

What is QMoney?

QMoney is a short term loan that does not require a credit check.  Eligibility for the loan is based on your Credit Human membership.

How do I know if I am eligible for a QMoney loan?

You are eligible if you have been a member with an open deposit account for 30 days or more, made deposits totaling $800 or more within the last 61 days, are at least 18 years of age, are the primary account holder and are in good standing with the credit union.

In order to be considered a member in good standing with Credit Human you must not have overdrawn accounts, loans past due or charged off loans (credit cards included).

Where can I apply for a QMoney loan?

You may apply for a QMoney loan in mobile and online banking.

How much can I borrow with a QMoney loan?

You can borrow between $200 and $500. Your borrowing limit is calculated based on the total eligible deposits made to your primary Credit Human account(s) within the past 60 days.

What is the loan term for a QMoney loan?

If your QMoney loan is between $200 and $500 you will have 60 days to repay the loan in two equal payments. 

Who is not eligible for a QMoney loan?

Members who are active military and their dependents are not eligible for a QMoney loan due to the Military Lending Act regulation administered by the Department of Defense.

What is the annual percentage rate for a QMoney loan?

The annual percentage rate for the QMoney loan is 28%.

Are there any fees associated with the QMoney loan?

Yes, there is a $20 non-refundable application fee.  This fee is charged to all applicants regardless of the loan decision. A late fee will be assessed if your payment is 10 or more days past due.  The late fee is equal to 5% of the unpaid scheduled payment.
Fees are automatically deducted from the oldest open checking account.  If there is no checking account available the funds will be drawn from the oldest open share savings account.

Are there any restrictions to a QMoney loan?

You can only have one QMoney loan at a time, with no more than three QMoney loans within a six-month rolling period.