Frequently Asked Questions
Last Updated: September 20, 2021
You’ve come to the right place to learn how the full integration of Andigo and Consumers Credit Union will affect your accounts, loans, credit card, online accessibility, branch access and the like. Be sure to bookmark this page and come back often because we will continue to update it leading up to Transition weekend, September 17-19.
To view important information about changes to your accounts, along with other helpful information, click here for a comprehensive Transition Guide.
How do I log in to Online Banking for the first time?
To make it easy, your CCU login ID will be your current Andigo Credit Union Username and password. To log in for the first time, use your current Andigo Username and password. You will be prompted to create a new password. If your current Andigo password meets the following requirements below, you will be able to re-use it. If it does not, then a new password will need to be created using the following requirements:
- Must be between 8 and 99 characters
- Must contain at least 1 number
- Must contain a minimum of 1 lower case characters
- Must contain a minimum of 1 upper case character
- Must contain a minimum of 1 special character
Background on the Merger
Andigo has constantly looked to provide value for the membership while ensuring growth and prosperity. Partnering with Consumers, another large and successful credit union, significantly increases operating efficiencies and empowers you with more access and options – to more branches, better products and services, and highly competitive rates – with the same dedication to high quality service you’re used to.
Both Andigo and Consumers actively pursued this partnership and it is not an acquisition. Uniting forces is not something either financial institution had to do; both are independently successful and well capitalized. Andigo and Consumers pursued this opportunity to bring you the best-of-the-best products and services. And we are also proud to say that ALL employees have a role in the combined organization going forward.
For more background and information on the merger, click here.
We’re excited because one of the benefits of the merger is the pooling of our people and resources, which will allow us to continue to improve your banking experience through improved online and mobile technologies, new products and services, and highly competitive rates. This partnership means we can better meet your financial needs with extraordinary service.
Consumers is one of the most dynamic and fastest growing credit unions in the United States. Headquartered in Lake County, IL since 1930, Consumers is one of the largest credit unions in Illinois. Like Andigo, Consumers is dedicated to meeting the evolving needs of members no matter where they move or how their lives change. With the merger of Andigo and Consumers, there are now 13 prominent community branches. And the combined credit union currently serves more than 178,000 members and has over $2.8 billion in assets.
For more background and information on Consumers, click here.
Since June 1, 2020, Andigo has been operating as a “division of Consumers Credit Union” and will continue to do so until Transition Weekend, September 17-19. At that time, the combined credit union will operate as the new Consumers Credit Union going forward.
We will notify you of upcoming changes and recommended actions using a variety of channels – including online banking, email, direct mail and more. For that reason, it’s more important than ever to ensure your contact information is up-to-date – including your email, mobile number and address. That said, another great way to stay on top of what you’ll need to know is to bookmark and check this page Transition Weekend page regularly.
After Transition Weekend, we will have one set of products, services and processes and will operate on the same systems. Over the past year, we’ve assessed the operations of each credit union to choose the best way forward as the new Consumers Credit Union. For example, Andigo’s online and mobile banking platform was selected and will be very familiar to you, yet it will have many new features, including debit and credit card controls plus Zelle® for person-to-person payments. And, new checking products, including Rewards Checking that Consumers offers today, will provide the opportunity for even higher earnings.
More details on products and services will follow between now and Transition Weekend September 17-19. Specifically, you can expect to receive detailed information via the mail in early August.
Service Availability over Transition Weekend
The weekend of September 17-19 marks the final step of the two credit unions combining – the full integration of operations where services, accounts, loans, credit and debit cards will be combined.
We’ll be providing you with more information in the coming months regarding the details of what will happen when that weekend – and any impact it might have on you.
On Saturday, September 18 and Sunday, September 19, debit cards will have a maximum daily limit for purchases and cash withdrawals, up to:
- $505 per day for all PIN- based transactions in total (combined ATM, in-store purchases and cash-back transactions at the point of sale)
- S1,500 per day for all online and signature-based debit card purchases
PRIOR TO FRIDAY, SEPTEMBER 17TH
Important To-Do's & Dates to Remember
Follow this checklist of simple steps to get started on the right foot!
- Mark September 17-19, 2021 as Andigo Transition Weekend on your calendar.
- Double-check that your contact information is up-to-date to ensure you will receive important account information. A quick and simple way review and edit your information is through online banking.
- Log in to online banking at andigo.org or through the mobile app.
- On a desktop computer, “Update Contact Information” is located on the upper right side of the screen.
- On a mobile device, click “More” in the upper-right corner. Update Contact Information will appear as an option.
- Keep a lookout in your inbox and your mailbox for more Transition Weekend messages about product and service changes.
- Regularly visit this page for ongoing information, updates and support.
All systems and operations will be completely integrated during Transition Weekend, September 17-19, 2021. Be sure to bookmark and check this page often for the latest details and information, as we’ll be adding to our FAQs on an ongoing basis.
Important Account Information
As a current Andigo member, you can continue to open new accounts, loans and services with Andigo until further notice. You can apply for new products and services on online and access and manage accounts via Andigo’s online banking.
During this crucial time period, it is a good idea to update your contact information via online banking to ensure we’re able to communicate important details and information you need to know in advance of Transition Weekend, September 17 – 19.
Click here for tips on how to make sure your contact information is up-to-date.
Yes, as an Andigo member you can continue to open new accounts and apply for loans through Andigo’s website, in any branch, or by giving us a call at 877.270.6392
Yes! Continue to use your Andigo checks, credit cards, debit card and mobile/online banking between now and Transition Weekend. During Transition Weekend, you’ll need to activate your new debit and/or credit card from Consumers that you’ll be receiving later this summer. From this point through the weekend of September 17-19, we’ll be notifying you with what you need to know from product or services perspective as we prepare to integrate the operations of both credit unions.
Yes, your Andigo checks will still process with no interruption before, during and after Transition Weekend. Continue to use your current checks as you are today. When your checks run out and you order new ones, they will be branded Consumers Credit Union. To save on postage and time, consider Bill Payment.
Branch Locations Questions
Yes. Andigo branches will remain open and available after Transition weekend. As we approach the transition weekend of September 17-19, these branches will be rebranded as Consumers Credit Union. After transition weekend, you’ll have full-service access to all 13 retail branches in our footprint. Click here for a list of CCU branches.
Yes, Andigo Credit Union members can visit any Consumers branch to conduct all transactions and apply for loans, accounts, etc. Click here for a current list of CCU branches.
Yes, you will still have easy access to your funds no matter where life takes you through a shared branch network of over 5,000 locations and nearly 30,000 surcharge-free ATMs. And if you are currently an online banking user, good news! Consumers Credit Union leverages the same online banking platform, so it will feel very familiar.
We believe in a multi-channel approach—digital services, in person and over-the-phone. Through the merger, our branch footprint has grown to 13 retail branches.
Account Number Changes
Generally speaking, account numbers will remain the same. Exceptions will be instances where members also have a Consumers Credit Union account or an identical account number exists at Consumers. More information, including a schedule for September 17-19, will be shared as we move closer to Transition Weekend.
Credit Cards and Debit/ATM Cards
Information regarding Andigo Visa credit cards will be sent out in the mail on June 21, 2021. Be sure to keep a lookout in your mailbox for these letters, which will include detailed information on the transition to new Consumers Credit Union Visa cards. We’ll be updating this page with the in depth FAQs included in these mailings so you can access this information online anytime, anywhere.
If you have an Andigo Platinum Card, you will receive a CCU Platinum Card.
- Click here for CCU Platinum Card FAQs.
- Below is a high-level snapshot of benefits and changes.
- Your Annual Percentage Rate (APR) remains the same
- Your minimum payment required monthly has been reduced
- The late fee has increased to $25
- You no longer have any cash advance or balance transfer fees
If you have an Andigo Platinum Rewards Card, you will receive a CCU Signature or CCU Platinum Rewards Card. Your letter will have details pertaining to the card you will be receiving.
- Click here for CCU Signature FAQs. And click here for CCU Platinum Rewards Card FAQs.
- Below is a high-level snapshot of benefits and changes.
- Your Annual Percentage Rate (APR) remains the same
- Your minimum payment required monthly has been reduced
- The late fee has increased to $25
- Your CCU Card is subject to Cash Advance and Balance Transfer fees
- Your CCU Card comes with CURewards Point program
If you have an Andigo Cash Back Card, you will receive a CCU Signature Cash Back or CCU Platinum Rewards Card. Your letter will have details pertaining to the card you will be receiving.
- Click here for CCU Signature Cash Back FAQs. And click here for CCU Platinum Rewards Card FAQs.
- Below is a high-level snapshot of benefits and changes.
- Your Annual Percentage Rate (APR) remains the same
- Your minimum payment required monthly has been reduced
- The late fee has increased to $25
- Your CCU Card is subject to Cash Advance and Balance Transfer fees
- Your CCU Card comes with a Cash Rebate program or CURewards point program
- Continue using your Andigo debit card through Friday, September 17.
- Upon receiving your new CCU debit card please call to activate it from a phone number on fi le. You will need to set up a new PIN during activation (it will not work until Saturday, September 18).
- Begin using your new CCU Visa debit card on Saturday, September 18 (destroy your Andigo debit card, as it will no longer work).
Get the most out of your new card
- Add your card to your mobile wallet - Apple Pay, Samsung Pay, and Google Pay will be avail able with your newly activated Visa debit card.
- Update online billers with CardSwap - Free yourself from tedious autopay updates with CardSwap. From online banking or the mobile app, you can update 60 billers - including Amazon, Uber, Hulu, Venmo, Netflix and Spotify - all at once!
Debit card limits
ATM holds
- Continue using your Andigo credit card through Saturday, September 18.
- Beginning Sunday, September 19, call to activate your new CCU Visa credit card from a phone number on file. You will be given the option to select a new PIN during the activation.
- Begin using your new CCU Visa credit card on Sunday, September 19 (destroy your old Andigo card as it will no longer work).
Get the most of your new card with these easy steps
- Add your card to your mobile wallet - Apple Pay, Samsung Pay, and Google Pay will be available with newly activated Visa credit cards.
- Sidestep unreliable snail mail - Beginning September 20, and once your card is activated, log in to CCU's online banking, enroll your card, and sign up for paperless account and Visa credit card statements (current statement preferences will not transfer).
- Stay on alert! - Enroll online for purchase and security alerts and you'll know what is going on with your card 24/7/365.
- Update online billers with CardSwap - Free yourself from tedious autopay updates with CardSwap. From online banking or the mobile app, you can update 60 billers - including Amazon, Uber, Hulu, Venmo, Netflix and Spotify - all at once!
Your new card

Your new card will be shipped
on 08/25/21 and should be received within 7-10 business days.
Please call us at 877-371-0104 and we will be happy to assist.
Yes! All CCU debit cards come complete with the latest in secure, contactless chip technology. Pay at millions of locations with one simple, secure tap.
Deposit Accounts
Andigo’s routing number will continue to work for existing payments and transfers before during and after Transition Weekend, no worries. After September 19, 2021, all new payments and transfers you establish, please use Consumers Credit Union’s routing and transit number 271989950.
No. You will not need to change your direct deposit information and nothing needs to be done at this time. Should you be establishing a new direct deposit after September 19, 2021, please use Consumers Credit Union’s routing and transit number, 271989950.
Yes! We also want to reassure you that your money is safe and is federally insured by the National Credit Union Administration (NCUA), which is equivalent to the FDIC for banks and is the same insurance that protected your accounts previously at Andigo. This protection includes $250,000 of federal insurance from the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the United States Government. The National Credit Union Administration (NCUA) manages the NCUSIF.
At Andigo, Excess Share Insurance Corporation (ESI) provides an additional $250,000 of deposit insurance coverage, for a total of $500,000. Andigo members with qualifying deposit accounts that were on record as of May 31, 2020 will continue to be covered after the transition. This includes any certificates of deposit that renew to corresponding terms after May 31, 2020. Any new accounts opened after May 31, 2020, are covered up to $250,000 by the NCUA.
*The qualification requirements listed above are for the lowest tier of Rewards Checking. View complete list of qualifications for all tiers.
Loans
No. The rate and terms for these loans remain the same.
Business Accounts
A transition guide, filled with the details related to business accounts and more, will be sent via mail in early August with information and tips that you’ll need to know as we integrate operations during Transition Weekend.
Online/Mobile Banking, Bill Pay, & 24-Hour Phone
To make it easy, your CCU login ID will be your current Andigo Credit Union Username and password. To log in for the first time, use your current Andigo Username and password. You will be prompted to create a new password. If your current Andigo password meets the following requirements below, you will be able to re-use it. If it does not, then a new password will need to be created using the following requirements:
- Must be between 8 and 99 characters
- Must contain at least 1 number
- Must contain a minimum of 1 lower case characters
- Must contain a minimum of 1 upper case character
- Must contain a minimum of 1 special character
A transition guide, filled with the details related to online banking, bill pay and more, will be sent via mail in early August with detailed instructions and information about new online features.
In joining forces, there are many new features members have been asking for!
Zelle® for person to person (P2P) payments
Live chat 24/7/365
A live chat feature will be available to you within online banking. Chat with a representative in a safe and secure online environment any time you want.
Card controls
You'll have access to customized card control options for your new Visa debit and/or credit card. The new features include:
- Enabling/disabling your card in real time
- Reporting a card lost or stole
- Setting up travel notifications
- Reordering a PIN for a credit card
CardSwap
Using CardSwap you can update your automatic payments for subscription/streaming services, ecommerce merchants and more in one place.
Rewards Checking tracker
This feature helps track your free Rewards Checking qualifications throughout the month - so you can be sure you're meeting the requirements to enjoy higher earnings.
Personal Financial Management tool
The Personal Financial Management (PFM) feature allows you to aggregate your outside account s with an account linking capability. Once the credentials for the accounts are provided and the account s are linked, you will be able to:
- View many of your external accounts with other financial institutions for a full financial overview.
- Monitor your budget by viewing graphs on spending, trends, net wort h and debt.
- Change and customize transaction descript ions to better match your spending habits and goals.
Account nicknames
Account nicknames you currently have set up will be transferred to online banking, but will not display on your statements. After Transition Weekend you will see the product name on your statements.
Mobile/remote check deposit changes
You will need to re- enroll and accept the terms and conditions after Transition Weekend on Sept ember 20, 2021. The daily mobile check deposit limit will continue to be $10,000. Funds deposited using this service will generally be held up to the second business day after the deposit. CCU may make funds available sooner based on factors such as account history or other relevant factors. Additionally, current check images will not be transitioned and going forward, check images will be stored and visible for 1o days.
Member-to-member loan account payments
This merger will require that you make changes to your QuickBooks or Quicken software, so please take action to ensure a smooth transition. Merger instructions are available below.
The instructions reference two Action Dates. Please use the dates provided below:
A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download before this date since transaction history might not be available after the merger.
This is the action date for the remaining steps on the conversion instructions. You will complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.
Intuit aggregation services may be interrupted for up to 3-5 business days. Users are encouraged to download a QFX/QBO file during this outage. The following services may not work during the outage:
· Mint - Download instructions
Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.
The Consumers Credit Union mobile app will need to be manually downloaded by our members. You will simply need to go to the Apple App store or Google Play store and search for the app, and it will prompt you to download.
Links for Google Play Store and Apple App Store.
Contact Us
Together, We've Never Been Stronger
From a small co-op to the 5th-largest credit union in the state.
We've been serving members growing for more than 90 years.
Over $2.8 billion in assets. More than 178,000 members. Service defines our success.