CCU's System Conversion is Complete

CCU's core system conversion was completed over Labor Day weekend.  We will continue to update this conversion page with important information and answers to Members' most frequently asked questions.  We encourage you to visit this page as a resource due to anticipated, longer-than-average wait times in Service Centers and via telephone.

What has changed:

Member Numbers and Account Numbers

If you had only one Member number, your Member number did not change. However, each account you have (i.e. savings, checking, loan, etc) now has a unique account number which identifies that specific account.  

You can view your full account numbers by logging in to Online Banking.  Account numbers will display within the Account Summary view for 30 days after the conversion. After that time, account numbers will only be displayed under the Direct Deposit tab inside Online Banking.

If you do not utilize Online Banking, you may call to request your account numbers be mailed. Please note, in order to process this request, you will be subject to our stringent authentication process to ensure security of your accounts.

If you had multiple Member numbers in which you are listed as the primary account holder, all your accounts have been consolidated under one Member number. The surviving Member number will be your oldest Member number on file. Unless you receive a separate notification of any possible updates needed to a specific account, you will not need to update your checks, bill pay, direct deposits, or electronic debits/credits due to this change.

Members will no longer need to manage multiple Member numbers. Each Member will have only one Member number per primary account holder.

Online Banking View of Multiple Accounts

All personal accounts reporting under the same tax identification number or social security number will be consolidated under one Member number.  This surviving Member number will be your oldest, open Membership number. This means that though you may have a separate Member number with or without another joint owner on the account, you will be able to access all of your accounts with one sign-on through online or mobile banking. 

You are now also able to view all the accounts in which you are listed on as an owner, with one single sign-on.  Previously, you were required to have a separate login ID and password for each account.  You will be able to view your joint accounts within the Online Banking account associated with your primary and oldest account.  

Please note, if you have a trust account or business account, in addition to your retail (personal) account, you will not be able to view your personal account balances when logged in to your trust online banking account or a business online banking account.  Only your trust account may be viewed when logged in to your trust online banking account. Only your business account may be viewed when logged in to your business online banking account.

An Update to Your CCU Mobile App

To keep up with the system conversion, our mobile application also requires an update. Please go to the Google Play or Apple App Store and ensure your CCU app has been updated. You'll find links to the CCU app via the icons below.   Please note, it may be necessary to uninstall (delete) the app from your device and then re-download.

iPhone App

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iPad App

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Android App

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Scheduled Transfers within Online Banking

Most scheduled transers set within online banking will continue as normal.  However, there are scheduled transfers that will no longer occur, depending on the account type:

Scheduled transfers to/from a commercial account to/from a retail (personal) account will not occur.
Scheduled transfers from a trust account to a retail (personal) account will not occur.

Scheduled transfers from a retail (personal) account to a trust account are anticipated to continue as scheduled.  
Please confirm all scheduled transfers were completed as expected.  If there is an issue with your scheduled transfer, please contact us at 877-275-2228.


Providing Your Member Number to CCU

Members no longer need to provide their account or Member number.  The new operating system  will enable CCU staff to search your account information with various information on file such as tax identification number (social security number), name, address, phone number, email, etc. You may be required to establish a new identification password when calling to access account information.


Calling CCU for Account Information

You may be required to establish a new identification password when calling to access account information.

 

Setting Up NEW Automatic Payments

You will need to provide your full account number(s) when setting up a NEW automatic payment. Your full account number can be viewed when logged in to your Online Banking account. There is no need to update automatic payments already occurring on your accounts.

 

Mortgage Loan and Fixed Rate Home Equity Loan Statements

If you currently have a CCU mortgage loan or fixed rate home equity loan, you will recieve a seperate statement of your loan account.  The mortgage and fixed rate home equity statements now have a clean and easy to read design. Click here to view a sample statement.

If you currently receive your CCU mortgage statements and documents electronically, you will need to re-enroll for this service beginning September 5. Simply log in to Online Banking and click on the “Services” tab.

 

Mortgage eDocs

If you currently have access to mortgage electronic documents, you will need to re-enroll in this service beginning September 5. Simply log in to Online Banking and click on the “Services” tab.

 

What Has NOT Changed:

  • Checking account numbers. Your current checks are still valid.
  • CCU VISA Debit and Credit Card numbers and PINs.
  • CCU’s routing and transit number.
  • CCU Bill Payment payees and history.

We do not anticipate any interruption or required changes to current direct deposits (including social security and government checks) and automatic debits (pre-authorized payments, pre-authorized payees, and payroll deductions). If any updates to your direct deposits or automatic debits become necessary, you will be notified directly from CCU. It is always a good practice to confirm all account activity, direct deposit allocations, automatic loan payments, and debits on a routine basis.


Frequently Asked Questions

Did my automatic deposits, withdrawals, and payments continue during the conversion weekend?

YES. We do not anticipate any interruption or required changes to current direct deposits (including social security and government checks) and automatic debits (pre-authorized payments, pre-authorized payees, and payroll deductions). If any updates to your direct deposits or automatic debits become necessary, you will be notified directly from CCU. It is always a good practice to confirm all account activity, direct deposit allocations, automatic loan payments, and debits on a routine basis. 

 

Did my Member number change after the conversion weekend?

  • If you only had one Member number with Consumers Credit Union, your Member number remained the same.
  • If you have multiple Member numbers, your accounts were consolidated under one Member number – the oldest Member number you had remained. We will now allow only one Member number per social security number.



Did my account numbers change?

The way your accounts are identified has changed.

Previously, your Consumers account number was your Member number (four to nine digits) plus a two-digit suffix, which indicates the type of account.

All account numbers are now up to 14 digits.

Suffixes are being eliminated. Each of your accounts will still have a unique account number.

Checking accounts will use the current MICR number (the encoded number on the bottom of your checks).

This means you do not have to change existing direct deposits, automatic payments/transfers or order new checks. If any special circumstances arise particular to your account, you will receive a separate notification detailing any required update.

 

Why am I now able to view my joint accounts when I log in to Online Banking?

Your view and access within Online Banking has changed.  Now, you are able to view all the accounts in which you are listed on as an owner, with one single sign-on.  Previously, you were required to have a separate login ID and password for each account.  You will be able to view your joint accounts within the Online Banking account associated with your primary and oldest account.

 

Why am I unable to view accounts via Online or Mobile Banking in which I was able to view prior to the system conversion?

Previously, Members with cross-account transfer access were able to view all the accounts (suffixes) of other accounts in which they were not an authorized signer. Beginning September 5, Members will only be able to view accounts on which they
are an authorized signer.   Access to accounts via Telephone Teller will also be disabled. 


How can I view my account numbers?

You will be able to view account numbers via Online Banking beginning Sept. 5 . Account numbers will display within the Account Summary view for 30 days after the conversion. After that time, account numbers will only be displayed under the Direct Deposit tab inside Online Banking.

If you do not utilize Online Banking, you may call to request your account numbers be mailed. Please note, in order to process this request, you will be subject to our stringent authentication process to ensure security of your accounts.

 

Do I need to change my direct deposit or automatic transfers?

NO. You will not have to change direct deposits, automatic transfers, or order new checks. Any automatic deposits or withdrawals you have set up will continue without interruption. If any updates are required to these services related to a specific account, you will be notified directly from CCU.

 

Did my CCU Debit or Credit Card PIN number(s) change?

NO. The conversion did not affect your CCU Debit or Visa Card PIN.

 

Did the system conversion affect how I log in to Online or Mobile Banking?

NO. The way you log in to CCU’s Online Banking and/or Mobile Banking did not change. However, if you have multiple Member numbers, you will only be able to access the online banking account associated with your oldest Member number. All of your CCU accounts will now be viewable with this ID and password.

 

Do I need to order new checks or cards?

NO. You do NOT need to order new Consumers checks, debit cards or credit cards.

Your checking account will use the check MICR number as your checking account number. Your debit card and credit card numbers did not change. Unless you receive a separate notification of any possible updates needed to your specific accounts, you will NOT have to change existing direct deposits, automatic payments, transfers or order new checks or new cards. All automatic deposits or withdrawals you have set up will continue without interruption. Continue to use your existing check(s), debit cards and credit cards as usual.