CU1 Card Keeper works with the most recent mobile operating software as well as two past generations of Android™ and iPhone® devices.
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No. CU1 Card Keeper is included with your checking and credit card accounts.
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Yes, you can unsubscribe through the CU1 Card Keeper App via Manage Portfolio. To unsubscribe, uncheck all cards and accounts and tap OK. Or call Credit Union 1 at 800.252.6950. Please note, when unsubscribing from CU1 Card Keeper, all previously set alerts and controls are no longer in effect.
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Yes. To activate an unsubscribed user, you will register as a new user. You are required to select a new username; if you enter your previous username an error displays. Upon successful registration, you may once again use CU1 Card Keeper.
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The app automatically logs the user off after 10 minutes of inactivity.
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Yes. Cardholders can register multiple Credit Union 1 cards within a single CU1 Card Keeper app.
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There is no limit.
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If the card number is new, then yes, you must add the new card number to your profile. You may also unmanage the old card by accessing Manage Portfolio.
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The My Location controls and alerts will check to ensure the merchant location is within a 5-mile radius of the device set as primary within CU1 Card Keeper. These controls impact card present transactions only, therefore internet transactions are not impacted.
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CU1 Card Keeper ignores location information that is more than 8 hours old. So, if the phone is off for more than 8 hours, My Location controls will not take effect, and the transaction will not be denied on the basis of the old location information.
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CU1 Card Keeper performs a proximity check at the granularity of Zip code or city, so if the merchant is close to home then the transactions will still go through.
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The region shows the approximate area where the card can be used; the area must be greater than 5 square miles. CU1 Card Keeper can typically map the transaction down to a ZIP code or city. If the city or ZIP code of the merchant overlaps with the selected region in the map, then the transaction can still go through. There are instances where a merchant location cannot be mapped down to a ZIP code or city, in which case CU1 Card Keeper will default to a state-level match.
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Yes. International transactions can be blocked using the Block International location control. Transactions will be limited to the United States.
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No. The location controls are applicable to in-store transactions only.
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Previously authorized recurrent payments will continue to process and will bypass the CU1 Card Keeper edit checks.
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CU1 Card Keeper alerts are sent as push notifications to the phone. The alerts also display under Messages in the CU1 Card Keeper app.
Message and data rates may apply. Check with your mobile carrier for details. The iPhone and App Store are trademarks of Apple Inc., registered in the U.S. and other countries. Android and the Google Play logo are trademarks of Google LLC.
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Yes, the app shows the last 50 card-based transactions posted within the last 30 days.
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CreditSense is available to the Primary account holder within Online Banking. If a joint member would like to access Credit Sense, they will need to open their own account with Credit Union 1.
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No. CreditSense is included with your access to Online Banking. Login to Online Banking as often as you'd like to check your score.
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Credit Union 1 works with a trusted third-party service provider, SavvyMoney, to deliver CreditSense to you through Online Banking. Credit Union 1 does not receive this information from SavvyMoney, therefore, no Credit Union 1 employee can see your CreditSense credit score. It is confidential and available only for you to view within Online Banking. SavvyMoney will never share your personal information with outside entities.
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The security of our members' financial information is our top priority. Credit Union 1 has partnered with a third-party, SavvyMoney, to deliver members' credit scores through CreditSense. SavvyMoney applies its own security measures to CreditSense using industry-standard security practices to protect your data.
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No. CreditSense shows your credit score from TransUnion using the VantageScore credit scoring model, which ranges from 300 - 850, along with key factors from your credit report that impact your score. The VantageScore credit scoring model was developed collaboratively by the three major credit bureaus, therefore it seeks to make score information more uniform between the three bureaus to provide consumers with a better picture of their credit health. CreditSense does not include an actual credit report. You may request a full credit report annually at no cost from each of the three credit reporting bureaus (Experian, Equifax, and TransUnion) at www.annualcreditreport.com.
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CreditSense will automatically update your score once a month. You can update it more frequently by clicking "update" on the page that presents your score.
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No. At Credit Union 1 we have our own lending criteria, based on a full credit report, for making loan decisions and we do not have access to your CreditSense credit score.
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Should you find inaccuracies in your CreditSense account information, such as loans that aren't yours or inaccurate balances (for example), there is a link within CreditSense to file a dispute with TransUnion, the credit bureau that provides CreditSense its information. To further protect yourself from credit inaccuracies and to identify potential fraud, we recommend that you request one free credit report from each of the three credit bureaus annually at www.annualcreditreport.com. Each bureau has its own process for correcting inaccurate information. The Federal Trade Commission's website offers step-by-step instructions if you would like to contact the bureaus to correct errors.
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At Credit Union 1 we are always looking for ways to save you money. CreditSense can offer you loans or other services offered at Credit Union 1 that may be of interest to you, and could save money.
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No. CreditSense accesses your credit score as a "soft inquiry" which does not alter your score in any way.
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Yes. CreditSense offers free credit report monitoring which will alert you of certain types of changes to your credit report, including new credit accounts opened or attempted to be opened, delinquencies, bankruptcies and more.
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Please contact Credit Union 1 directly to change your email address and other information on file.
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Yes. Credit Sense is available for both mobile and tablet devices through Online Banking.
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You can disable access to your CreditSense credit score information. To disable, contact Credit Union 1 at 800.252.6950.
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- iPhone® 6 or iPhone 6 Plus (Apple Pay in stores and within apps)
- iPad Air® 2 or iPad mini® 3 (Apple Pay within apps)
- Apple Watch® paired with iPhone 5, iPhone 5c, iPhone 5s, iPhone 6, or iPhone 6 Plus (Apple Pay in stores)
- iOS 8.1 or later
- United States as your selected region
- Touch ID® or passcode on your iOS device
- A passcode on your Apple Watch and Wrist Detection turned on
- An Apple® ID signed in to iCloud®
- Touch ID or passcode on your iOS device
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You can start using Apple Pay as soon as you add your first credit or debit card to Passbook®.
To add a credit or debit card on iPhone 6 or iPhone 6 Plus, open Passbook and tap Plus icon in the upper-right corner.
If you have a credit or debit card from a participating bank on file with iTunes®, you'll be asked to add it. You can also choose to add a different card using the iSight® camera or by entering your card information manually. Then your bank will decide whether to approve adding your card to Apple Pay. They might ask you to provide more information to complete the verification process.
To add a credit or debit card on iPad Air 2 or iPad mini 3, go to Settings > Passbook & Apple Pay, tap Add Credit or Debit Card, and then follow the same steps for iPhone above.
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Your bank and AppleCare® are ready to help you with issues when adding credit or debit cards to your iPhone 6, iPhone 6 Plus, iPad Air 2, iPad mini 3, or Apple Watch. You can contact your bank or AppleCare, who will help you resolve your issue.
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Where and how can I use Apple Pay to pay in a store or within apps?
You can use Apple Pay with your iPhone 6, iPhone 6 Plus, and Apple Watch to pay in stores that accept contactless payments.
Some stores might have this symbol on their card readers and point of sale terminals, but they might not be currently set up to accept contactless payments, including Apple Pay. At the current time, this includes 7-Eleven®, Home Depot®, Jack in the Box®, Rite Aid®, and CVS® but the list grows every day. Apple updates the list of merchants frequently so check their Where to Use Apple Pay site to see if your favorite merchant is Apple Pay ready.
On iPhone 6, iPhone 6 Plus, iPad Air 2, and iPad mini 3, you can use Apple Pay to pay within apps when you see the Buy with Apple Pay or Apple Pay button as a payment method.
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No. Apple Pay is a benefit of Credit Union 1 membership and is a complimentary service. Message and data rates charged by your carrier may apply.
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As you do today with a plastic credit or debit card, you might need to sign a receipt, depending on the store and the transaction amount.
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Apple Pay is more secure than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch. Your card number and identity aren't shared with the merchant, and your actual card numbers aren't stored on your device or on Apple servers.
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When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping addresses you authorize to share to fulfill your order. Apple Pay retains anonymous transaction information such as approximate purchase amount. This information can't be tied back to you and never includes what you're buying. Apps that use Apple Pay must have a privacy policy that you can view which governs the use of your data.
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With Apple Pay, you authorize each purchase with Touch ID or your passcode. And every time you put on your Apple Watch, you need to enter your passcode to access it. These features help prevent other people from using Apple Pay on your iPhone, iPad, or Apple Watch.
Apple, Apple Pay, iPhone, Apple Watch, iPad, iPad Air, iPad mini, TouchID, Passbook, iTunes, and iSight are trademarks of Apple Inc., registered in the U.S. and other countries. iCloud and AppleCare are service marks of Apple Inc.
ApplePay Support. For more information regarding ApplePay and to get support for your Apple device visit https://support.apple.com/en-us/HT201239.
©2014 Visa®. All rights reserved.
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The payment address is included on your statement. If you pay your credit card bill through Online Bill Pay or need the mailing address it is listed below:
Credit Union 1
P.O. Box 2711
Omaha, NE 68103-2711
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The uChoose Rewards program enables you to earn points for using your card. Once you have earned enough points, you can redeem them for your choice of items or experiences from a huge online rewards catalog.
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Earn 1 point for every $1 spent with your Credit Union 1 Visa Platinum Card. You can also earn more points when shopping at participating retailers. Choose to shop in-store at national or local retailers, or online through uchooserewards.com. When shopping in-store; select Credit, and sign for your purchase.
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It can take up to 40 days for points to be credited to your account. A minimum of 1500 points must be accumulated before redemption. When you have 1500 points, you can redeem them for a wide variety of items. Look for Available Points at the top of any page on the uChoose Rewards website for your total points available for redemption at that time.
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Choose from a wide variety of options, including products, travel, experiences, activities, and event tickets. At the uChoose Rewards website, navigate to the Redeem Points page, click on the category that interests you, and start shopping.
The uChoose Rewards program tracks all points earned, and provides details and information to help locate just what you are looking for when you are ready to redeem points. You can also set up a personal Wish List to help you track the things you want.
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Yes. All cards pooled in an account automatically earn points together. With multiple credit card accounts at Credit Union 1, you can register them in one uChoose account to earn rewards points faster.
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Text Banking is an easy, fast and secure way of banking while using the texting capabilities of your mobile phone. With Text Banking, you can find out the balance and transactions of your accounts on the go, just by texting.
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You will need to enroll in Text Banking via either Online (desktop) or via the mobile (browser or app). For desktop, go to the Profile dropdown, select Profile Updates and choose Text Banking to enroll in Text Banking. You will need a mobile phone with texting capabilities. Standard messaging and data rates may apply.
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The Text Banking is free to enroll and use, however, your mobile wireless carrier may charge you standard data and messaging rates. Please contact your mobile wireless carrier for messaging and data rates.
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Yes, you do need to create short nicknames to use with Text Banking. It is a lot easier to request the balance of a specific account with short nicknames and makes the reply shorter.
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Do I have to text the commands in all CAPS?
No, the commands are not case sensitive. You can text BAL, Bal, or bal which would all mean the balance command.
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We do not transfer any account numbers, password or such sensitive information. The phone is assumed to be secure with the owner and it is the owner's responsibility to lock the phone for privacy. The balance and transaction history being returned from your account will remain in your messaging history until deleted.
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You can remove a phone from Text Banking by two methods:
a) Texting back stop will remove the phone from Text Banking, or
b) From Online (desktop) or from mobile (browser or app), go to the Text Banking screen. Delete the phone number you wish to remove from Text Banking.
Note that you will need to enroll the phone number again the next time you want to use that phone for Text Banking.
If you have questions, please call our Member Solutions Team at 800-252-6950.
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Online Bill Pay makes paying your bills more convenient. All of your billers are kept in one place, no need to log on to multiple biller sites and services. Bills can even be delivered directly to your Online Bill Pay account electronically. Paying your bills is also more convenient with options to schedule payments, to pay bills when they arrive or to hand pay bills on your schedule.
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Nothing. That's right it's free. All you need is a Credit Union 1 Checking Account and access to Online Banking and you can begin paying your bills for free today.
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The Online Bill Pay application can be accessed in Online Banking on the Account Summary screen under Bill Payment. Select Enrollment Options and follow the prompts to sign up.
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You will need a Credit Union 1 checking account and access to Online Banking. To get started gather any copies of bills you wish to pay online. You will need the biller's name, address and your account number with the biller. Many of the companies you pay are already in Online Bill Pay so you will only need to select them from the list and put in your account specific company information. Many billers can also send e-bills directly to your Online Bill Pay account where they can be paid automatically or on demand depending on your preference.
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The answer is some of both. Most payments will be electronic but some billers are still unable to accept electronic payments. In those cases a paper check will be sent. Online Bill Pay can pay bills in three ways:
- Via electronic transmission from Online Bill Pay to the Biller.
- Via check drawn on your personal checking account.
- Via a check drawn off of an account from Online Bill Pay.
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An e-bill is a copy of your bill and the information in it that is sent to your Online Bill Pay account rather than to you in the mail. These bills are kept safely on Online Banking and can be paid automatically or on demand depending on your preference.
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Yes, you can download bill payment history as a .csv (comma separated) file for use in programs like Microsoft Excel. Direct download to Quicken or other personal finance software is not available.
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You can pay anyone from your power company to your paper boy. Online Bill Pay is flexible and payments are sent in the way that billers can process them. You can even make person-to-person payments using Popmoney®.
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Yes, we use industry standard encryption and security measures during the logon and authentication process and during your bill pay session.
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First, don't worry we all make mistakes. Online Bill Pay is flexible and understands these situations. You may cancel your payment at any time via bill pay before the payment is in process. After it is in process you will need to call the bill pay service at 855.837.3991, or contact the Member Solutions Department at 800.252.6950 and we will attempt to cancel the payment or place a stop pay on the check (if applicable).
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You can log in to Online Bill Pay and check the status of payments at any time. If a scheduled payment did not arrive at a biller, you can open a case online to have your payment researched. You can do this by clicking on Bill history, then 'view details' and then 'payment inquiry' inside of Online Bill Pay. You can also call the call center at 855.837.3991 to open a case.
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Your checking account balance will no longer be displayed in Online Bill Pay. However, you can open the Online Banking summary page and Online Bill Pay in separate windows and set them side by side, or you can toggle in between them to see your checking balance and the Online Bill Pay window at the same time.
Online Banking Bill Pay Support. For questions relating to payments made through Online Bill pay please call our Bill Pay support number at 855.837.3991.
Popmoney is a registered trademark of Fiserv, Inc.
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For a full list of our current openings, click the Current Openings Button on the Careers page of our website. A new window will open listing all of our current employment opportunities. If none of our vacant positions match what you're currently seeking in a career, please join our Talent Network to receive alerts for future vacancies that may interest you. This will change depending on how it is on the new site.
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Once you select a position that interests you, please click on the position for a summary of the job duties and requirements. If the job description aligns with your qualifications and ambitions, click on the 'APPLY' button to submit an application. If you'd like to submit a résumé or cover letter to supplement your application, you may follow the prompts to do so.
Credit Union 1 is an Equal Opportunity Employer. We do not discriminate on the basis of race, religion, color, sex, age, national origin, citizenship, disability, or any protected category. As a full service financial institution, Credit Union 1 conducts comprehensive background screening on prospective employees (including a credit check and criminal background check).
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A completed job application or résumé detailing your employment history are required in order to be considered for employment. A cover letter and employment references are welcomed as well. The more information you provide, the easier it will be to evaluate your qualifications.
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Any supplemental documents (résumé, cover letter, letter of recommendation, etc) may be submitted through our online application system when you apply for employment. You may also submit your résumé by joining our Talent Network or by emailing to, [email protected].
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If you're unable to complete our employment application online, you may print off a PDF version or pick up an application at any Credit Union 1 branch location. Applications may be submitted via fax, mail, or email.
Credit Union 1
ATTN: Human Resources
P.O. Box 100
Rantoul, IL 61866
fax: 217.892.4643
email: [email protected]
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Upon successfully completing our online employment application you will receive an email confirming that your application has been received.
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Information on Credit Union 1's comprehensive benefits package is available by clicking the Benefits Tab on the Careers page.
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As an employee of Credit Union 1, you will be part of a well-established and respected financial institution that offers you both stability and the opportunity for a great career path. No matter how large we grow, we continue to give our employees the individual attention they deserve. We are committed to your success and professional development, and will provide extensive training and coaching as you hone your customer service skills. Our promote-from-within policy ensures that you will be able to build a rewarding career with Credit Union 1. Your hard work and professional dedication will be rewarded with competitive compensation and benefits.
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As a new Team Member of Credit Union 1, you will complete a 2-week orientation with one of our training & development specialists. CU1 is excited to learn about you, while you discover what makes us THE financial institution that drives family and community success. Learn about our history, what we offer and how you will have an impact as a member of our team. Become familiar with the tools you will need to make you successful once you depart the onboarding journey and dive into your career. Get ready to… Be Great. Be Engaged. Be Open. Be Nice.
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In order to access CU1 Mobile Banking, you need a Credit Union 1 account, access to Online Banking, and a mobile device with an Internet connection.
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You can access CU1 Mobile Banking from any Internet-enabled mobile phone, iPhone®, iPad®, or Android® device.
Note: For the mobile app, devices must be Internet-enabled and have a cell phone number associated with them. The tablet app is currently for iPad® only.
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CU1 Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between web servers are encrypted using the Secure Socket Layer (SSL) technology.
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No. CU1 Mobile Banking is a benefit of CU1 membership and is a complimentary service. Message and data rates charged by your carrier may apply.
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To reset your password, choose the "Forgot Password?" option from the login screen and reset your password.
To reset your User ID, go to the Online Banking login through your mobile device's browser, and select the "Forgot User ID?" option.
You may also call our Member Solutions Team at 800.252.6950.
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Some carriers may block access to text messages from Credit Union 1. Please contact your carrier if you receive a message that texts are blocked or if you have issues receiving texts from Mobile Banking.
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Mobile Deposit is a secure and convenient way of making deposits with your mobile device anytime, anywhere! Take photos of the front and back of your check and submit. Review the deposit and done!
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You can deposit into any of your Savings, Checking or Money Market Account. You can transfer funds from any of these accounts after funds are made available to you, using Online/Mobile Banking.
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The maximum amount per item deposited per day is $2,500 if your account has been opened for 180 days or less or $5,000 if your account has been opened more than 180 days.
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Yes, endorse or sign the check with your signature and your account number.
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On weekdays (excluding holidays), the cutoff time for same business day posting is 4:00PM Central Time. Deposits made after the 4:00PM Central Time cutoff will be posted the next business day. Deposits received after 4:00PM Central Time on Friday or on Saturday or Sunday or any holiday, will be posted on the next business day. Posting usually occurs between 4:00PM and 5:00PM Central Time. Up to $200 of your deposit will be available the following business day. The remainder may be placed on hold up to 2 business days. Longer holds in certain situations may apply.
Mobile Banking Support. For questions relating to signing up, accessing or using the Mobile Banking services please call our Mobile Banking support number at 800.252.6950 and a Member Solutions Specialist will assist you.
Apple, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC.
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With Online Banking you can review transaction history, make account transfers, pay bills or access your account on your mobile device. Online Banking gives you access to your account where you need it when you need it.
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Online Banking is a free service associated with your Credit Union 1 account. Some fees may apply to services accessed within the application like Popmoney®.
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- Click the Register link under the login button
- Review and accept the terms of this agreement
- Enter the information in the required fields and follow the screen prompts.
- Account Number, Last Name, email Address, Zip Code, Social Security Number, Birth Date.
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Online Banking is secured using the latest encryption and Internet security technologies. We take your online security very seriously.
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- Click the "Forgot Password?" link under the password field.
- Enter the information for the Required Fields.
- Click Submit and follow the screen prompts.
Online Banking Support. For questions relating to signing up, accessing or using the Online Banking services please call our Member Solutions Department at 800.252.6950 and a Member Solutions Specialist will assist you.
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As a financial institution, for your protection, Credit Union 1 needs to authenticate who we are communicating with online. Entering your Social Security Number is required to confirm we are in fact registering/authenticating you.
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The digital banking system uses the information on your Credit Union 1 account to establish your online account. You need to use the home or work phone number, or email address that is on your account.
For the Identity Verification step, you do have the option to select, "I can't be reached at any of these numbers." and you will be presented wit out-of-wallet questions to answer in place of receiving a text or phone call.
If you need to update your phone number or email address that we have on file, please contact our Member Solutions Team at 800.252.6950 to get that updated.
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Your last name needs to be entered exactly as it is on your Credit Union 1 account. Please refer to your statement to confirm.
When you receive the Error Message, you can use the "Forgot Password?" option with your User ID. Follow the screen prompts and answer the questions presented. If you continue to receive an error, call our Member Solutions Team at 800.252.6950.
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Linked Profiles. If you are an owner on another Credit Union 1 account and would like to link your profiles so you can manage both accounts digitally through one login, call our Member Solutions Team at 800.252.6950 and request to Link Profiles.
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Unlinked Accounts. Add unlinked accounts to enable you to transfer funds with other Credit Union 1 accounts online. This would be used to transfer funds from your CU1 account to another person's CU1 account (ie: friend, co-worker, family member etc.) on which you are not an owner.
To setup your unlinked accounts, you must be logged in through a web browser (not the mobile app). Click the Transfers dropdown menu and select Unlinked Accounts. After you provide the information, the designated account will be added to your list of destination accounts on the Manage Transfer screen.
Note: The format to add an Unlinked Account is Account=sfx. Money can only be sent to Unlinked Accounts, you cannot request funds with this feature.
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Receive and view all of your documents electronically! You will get a notification that a document is available for viewing. Simply login to Digital Banking and choose Electronic Documents from the Accounts menu.
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When logged in, send a secure message requesting a Cashier's Check. Go to the Profile Menu, select Messages, and click Compose New in the top right corner of the screen. Complete the form and click Send.
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It is easy to change your User ID! Once logged in, go to the Profile menu, select Profile Update, and click Change User ID. Voila!
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Fast Balances is a feature that lets you get a quick look at your balances from the login screen on your mobile device.
To setup Fast Balances, login and go to the Profile menu, select Profile Update, and click Manage Fast Balances. Turn Fast Balances on, and select your accounts. Voila!
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In the Account Summary screen, click on the Certificate Name and additional account details will appear such as: interest rate, Year to Date Interest, and Maturity Date.
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When logged in, simply go to the Transfers menu and click on Manage Transfers. Pick your source, destination, amount, start date and frequency. That's it! Set it up once and don't worry about it anymore.
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Viewing eStatements on mobile devices is a feature that will be available 1Q 2020.
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Our core processing system, also known as a core system, is the software that manages our major banking functions. These functions include:
- Opening and managing accounts
- Originating and serving loans
- Processing cash deposits and withdrawals
- Maintaining account holder information
- Processing transactions
- And more
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In an effort to improve our services, efficiency, and accommodate growth, we are upgrading our core system. Our new core system will allow us to provide you more capabilities, offerings, and enhance your experience with us.
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[INSERT TIME AND DAYS THAT WILL BE IMPACTED BY CORE CONVERSION PROCESS]
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Yes, keeping your information secure and private is a top priority for us. The core conversion process will not compromise your safety or the safety of your information in any way.
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We have been working within our new system in a test environment for several months. All of your data has been verified, balanced, tested, and reviewed to ensure accuracy.
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Will my funds be safe and secure?
Your funds will remain safe and secure. Accounts are insured up to $250,000 by American Share Insurance (ASI).
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[INSERT WHEN ACCOUNTS WILL BE IMPACTED, WHAT WILL BE IMPACTED, AND HOW LONG THEY WILL BE IMPACTED]
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Will my account number and checking account number change?
[INSERT HOW THEIR ACCOUNT NUMBER(S) AND CHECKING ACCOUNT NUMBER WILL BE IMPACTED (IF AT ALL)]
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With our new core, we will operate more efficiently and be able to provide you with more services. After October 1, 2021, we will have several improved or new services available to you. These include:
- [INSERT LIST OF IMPROVED OR NEW ITEMS THAT WILL BENEFIT ACCOUNT HOLDERS - Ex: Expanded Wire Transfer Capability]
- [INSERT LIST OF IMPROVED OR NEW ITEMS THAT WILL BENEFIT ACCOUNT HOLDERS - Ex: Enhanced Bill Pay]
- [INSERT LIST OF IMPROVED OR NEW ITEMS THAT WILL BENEFIT ACCOUNT HOLDERS – Ex. New Business Bill Pay]
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[INSERT A LIST OF THE SERVICES AND PRODUCTS AFFECTED BY THE CORE CONVERSION – Ex: Online banking will have a new log-in process / our mobile app has a new look and feel.]
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The following services will function normally during our conversion process:
- [INSERT PRODUCTS AND SERVICES NOT IMPACTED BY CORE CONVERSION – Ex: Credit cards]
- [INSERT PRODUCTS AND SERVICES NOT IMPACTED BY CORE CONVERSION – Ex: Debit cards]
- [INSERT PRODUCTS AND SERVICES NOT IMPACTED BY CORE CONVERSION – Ex: Remote deposit capture]
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While most of the core conversion process will take place behind the scenes, there are a few things you can do. We recommend:
- Taking note of when the conversion is taking place. We will keep you informed throughout the whole process via letters and email, social media, and on our website.
- Adjusting your recurring Online Bill Pay payments before [FIRST DAY OF CORE CONVERSION] (since Online Bill Pay will be affected by the conversion).
- Making a small withdrawal from one of our branches or one of our ATMs to make sure you have some cash on hand (since there will be some system limitations during this time).
- Download your e-statements. All of your transaction history will no longer be available after the core conversion. We recommend printing a year’s worth of statements for your records.
- Make sure all of your information is still correct. Please contact us at 800.252.6950 if you have any new information or would like to check your current information.
We have also put together a core conversion to-do list for your convenience. It can be found on our website.
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You will have limited access to our ATMs and your funds from [STARTING DATE FOR CORE CONVERSION] through [END DATE FOR CORE CONVERSION]. There will be times when our ATMs are down, and you will have limited access to your funds. Please plan accordingly.
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If you exceed your ATM withdrawal limit, your transaction may be denied.
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Yes, you may still use your checks like normal. However, you will need to make sure you have sufficient funds in your account to cover any checks you write during the conversion.
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If your checking or savings account number is greater than 10 digits long, we will order new checks for you. Free of charge. If your checking or savings account number is not greater than 10 digits long, you may continue using your current checks like normal.
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No, not unless your checking or savings account number is longer than 10 digits. If so, we will order them for you, using the same style from your previous order with us. Free of charge.
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All of your information will remain the same, and you will not receive a new debit card.
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No, both your debit card number and PIN will remain the same even after the core conversion.
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Yes. In fact, you can use your debit card at CO-OP ATMs surcharge free.
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It will slightly impact your debit card. You can still use your debit card, but your limits may be impacted. Your limits will be restored after the core conversion is complete on October 1, 2021.
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If you exceed your debit account withdrawal limit, your transaction may be denied. If you are denied, you may run your debit card as a different point of access, like a credit.
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[INSERT WHEN – TIME AND DAY - ACCOUNT HOLDERS WILL NOT HAVE ACCESS TO ONLINE BANKING, HOW ONLINE BANKING WILL BE AFFECTED, AND WHAT DAY IT WILL BE AVAILABLE AGAIN]
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Unfortunately, you will not be able to view your e-statement history in your Online Banking account after [INSERT DATE]. With this in mind, we recommend downloading and printing a year’s worth of statements for your records before [INSERT SAME DATE FROM PREVIOUS SENTENCE]. This can be done by:
1. [LIST WHERE THEY CAN FIND THEIR E-STATEMENTS AS WELL AS HOW TO DOWNLOAD THEM]
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If a member’s username will change – Yes, your username will change. After [INSERT DATE USERS CAN ACCESS ONLINE BANKING AGAIN], you will need to re-register for Online Banking again. To do this, simply go to our Online Banking service and use your current log-in credentials. The system will then prompt you to register again. Please make sure to have your [INSERT CUSTOMER NUMBER OR MEMBER NUMBER] ready for verification purposes. That’s it! All other information, such as Bill Pay information, will be transferred automatically and not have to be re-entered.
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Once the core conversion is complete, our Online Banking will have a new log-in process. Part of the process is changing your password. When you log-in after [INSERT DATE USERS CAN ACCESS ONLINE BANKING AGAIN] for the first time, your password will default to the last four digits of your social security number. Our system will them prompt you to change your password and select security questions.
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You will not be able to access Online Bill Pay during the core conversion process. We highly recommend adjusting any payments that are due during our core conversion timeframe to ensure a timely payment.
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Since you will not have access to Bill Pay after [INSERT DATE], please schedule all online bill payments to be paid before [INSERT LAST DAY THEY SHOULD SCHEDULE AN ONLINE BILL PAYMENT].
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That’s the good news. They won’t be affected by the core conversion. They will continue to function normally.
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If the Direct Deposit or electronic payment was made before our core conversion date, which is [INSERT DATE], it will post. Any Direct Deposit or electronic payment made during the conversion will post when we re-open on [INSERT DATE].
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You should not notice a difference. Everything should continue to operate as scheduled.
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Monthly paper statements will still be provided for those who would like to receive them. We will also be offering an improved e-statement option with more storage and easier navigation.
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Your e-statement history will no longer be available after [INSERT DATE]. We strongly recommend you print off a year’s worth of statements for your records.
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You will notice a difference when it comes to looks, but otherwise your information and the content in the statement will remain the same.
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The fee schedule and calculations will remain the same, but the settlement date will change for fees caused by an analysis deficit balance. These fees will be charged on the 15th of the next month following a monthly, quarterly, or annual settlement period.
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Your e-statements will not be affected by the core conversion, but it will affect your e-statement history (noted above).
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