This is your complete guide to what’s happening as Rockford Bell Credit Union fully integrates with Consumers Credit Union. Your accounts have now fully moved to Consumer Credit Union's systems.
Please know that we understand this change may require some extra effort on the part of our members. As The People In Your Corner, we’re here to help smooth the conversion.
You’ll always find the latest information at myconsumers.org/RBCU.
Branch Access
You’ll still be able to withdraw cash from ATMs at our branch ATMs, in Mt. Morris and Loves Park on Saturday, March 15 & Sunday, March 16 with your RBCU debit card, up to the $500 daily limit. Effective Monday, March 17, please use your new CCU debit card as the RBCU debit card will no longer be functional.
For most RBCU members, your member account number will not change. For those whose member number was in conflict with other data, you will be notified separately of your new number. Individual account numbers for savings, checking, loans and mortgages stay the same.
Access to RBCU’s digital banking will be unavailable starting Friday, March 14. On Monday March 17, you’ll be able to log into CCU’s digital banking, where you’ll have access to all of your accounts.
If you already have a digital banking account, log in for the first time using your RBCU credentials:
- Go to myconsumers.org. You'll find the login box in the upper-right corner. Or click here to log in on desktop.
- Download the Consumers Credit Union app
- Please double-check your Bill Pay payees and payments as those may not have completely transferred over.
- Set up your account alerts, as those won’t transition automatically.
- Re-establish any automatic transfers to internal and external accounts
- If you’ve previously selected to receive statements and notices electronically, you’ll need to make this selection again
For your security, you’ll be asked to verify your identity, and you’ll be prompted to enter a password, using the password strength requirements on the screen. When you’ve successfully logged in, you’ll see your accounts. All accounts where you have ownership will be displayed.
Important: Please complete the following steps to ensure a smooth conversion
It is also important to note that not all of your transaction history will be available. You will be able to view previous statements for the past two years.
RBCU members will see 12-months of transaction history in digital banking.
If you don’t have a digital banking account, there are two ways to enroll:
Digital Banking is available via our mobile app and current web browsers.

Go to www.myconsumers.org and select "Register Account: Consumer" in the login box to register.
Apple: Download the Consumers Credit Union app on the App Store
Your RBCU accounts will be converted to an account at CCU that’s most similar in features and type. You’ll see these new names for your accounts in your digital banking display, and on your member statements. Details on your new savings and checking accounts, including dividend rates, qualifications, and restrictions, are provided in the enclosed Truth-In Savings Disclosures. Your certificate accounts will remain the same. Any changes to loan terms for line of credit or Visa Cards will be communicated separately.
Kasasa Checking = Rewards Checking
As shown in the table above, your Kasasa Checking account at RBCU will become Rewards Checking at CCU. You’ll earn dividends on your balances for doing a few simple things, like setting up direct deposit and e-statements, and using your debit card at least 12 times a month. Learn more at myconsumers.org/RewardsChecking. To make the conversion easier, CCU will pay the highest dividend tier available for the months of March and April. You’ll need to meet the minimum qualifications to earn dividends beginning with your May transactions.
If you have an RBCU Visa Card, you’ll soon be receiving a new card, with a new number and a separate letter outlining the Change in Terms for your new CCU Visa Platinum Card.
NOTE: Your Visa Credit card will convert sooner than your other accounts.
- Continue using your RBCU credit card through Friday, March 7.
- Beginning Saturday, March 8, please activate your new card using the instructions that accompany your new card. You may begin using it right away.
- Select a new PIN if desired
- Add your new card to your Mobile Wallet
- Your new card won’t appear in digital banking until March 17. If you need transaction information before then, call 877.ASK.CCCU (877.275.2228).
Your new CCU Checking account will retain the same number, and you can continue to use your RBCU checks for the next six months, but we encourage you to order new CCU checks at your earliest convenience, by calling 877.ASK.CCCU (877.275.2228) or using the CCU mobile app.
Overdraft Privilege Program on your checking accounts will convert to CCU’s Courtesy Pay program. Current elections to include ATM and one-time debit transactions will be preserved. Click to view the details on the Courtesy Pay Program and ATM and Debit Card Overdraft Services Consent. Please note, you do not need to sign or return the form.
You’ll soon be receiving a new CCU Visa Debit Card. Please watch for it in the mail so you don’t accidentally discard! Important information about your card:
- Continue using your RBCU debit card through Sunday, March 16
- Beginning Monday, March 17, please call to activate your new card using the instructions that accompany your card. You may begin using it right away.
- Select a new PIN
- Add your new card to your Mobile Wallet
- Update any payees who currently have your RBCU debit card on file
- If you haven't received your card by March 1, please call 877.ASK.CCCU (877.275.2228).
Note: On Saturday, March 15 and Sunday, March 16, debit cards will have maximum daily limit for purchases and cash withdrawals:
- $1,005 per day for all PIN-based transactions in total (combined ATM, in-store purchase and cash-back transactions at point of sale)
- $2,505 per day for all online and signature-based debit card purchases
If you have a RBCU mortgage or Home Equity Line of Credit (HELOC), you’ve received a separate letter outlining changes to your account, making payments and digital access. If you haven’t received this letter, please call 877.ASK.CCCU (877.275.2228).
After the merger, the terms of your auto and personal loans will remain the same, including your rate, term, payment amount, and due date. Your recurring ACH payments will automatically transfer to the new system, so there’s no need to take any action. If you have an unsecured personal line of credit, you will receive additional communication regarding changes specific to that account. For additional payment options, please visit myconsumers.org/payments or call 877.ASK.CCCU (877.275.2228).
You’ll need to re-enroll for electronic statements and notices within CCU digital banking (see above). If you’re currently receiving paper statements, now is a great time to enroll.
Dividends and Statement Dates
- For the period March 1 - 14, dividends will be paid and a special statement generated for the time period March 1 – March 14.
- In the first week of April, you’ll receive your first CCU statement, which will include dividends paid March 15 – 31.
- RBCU members will see two years of statements in digital banking once enrolled in e-statements.
Digital Banking FAQs
Navigate the app


Mobile check deposit
Mobile Check Deposit is a service that CCU offers to qualifying Members that allows you to deposit a check into your CCU share accounts using your smartphone via CCU’s Mobile.
After logging into the mobile app, Select the Deposit Checks icon via the Mobile Thumb Bar or select Mobile Check Deposit from the Menu bar.
Select the Deposit Account the check will be deposited to.
Enter the Amount of the check.



Once satisfied with both images, select Submit Deposit.

Select the From account
Select the To account (loan or credit card).
Choose the Payment Type.
Enter the Payment Amount.

- Select regular payments for Payment Type
- Check the box and set the frequency, start and end date, or choose "Repeat Forever"

Enter or update the payment Date.
Mobile
Select the Payments drop down and choose Credit Card or Loan Payment.
Select the From account.
Select the To account (loan or credit card).
Choose the Payment Type.
- Select regular payments
- Check the box and set the frequency, start and end date, or choose "Repeat Forever".
Select Payment Amount.
Enter or update the payment Date.
Enter Memo (optional).
Click Submit.

Desktop
Select an account you want to send To
Enter an Amount
Choose a Transfer Date
Select Advanced Options to access:
- Frequency: Choose to make a transfer recurring here
- Memo: Add comment for your records
Select Transfer Funds

Mobile
Select Quick Transfer on the account you want to send From.
Select an account you want to send To.
Enter an Amount.
Choose a Transfer Date.

- Frequency: Choose to make a transfer recurring here
- Memo: Add comment for your records

Select Transfer Funds

Desktop
Select an account you want to send From
Select an account you want to send To
Enter an Amount
- Frequency: Choose to make a transfer recurring here
Transfer Date

Select Transfer Funds

Mobile
Select Make a Transfer.
Select an account you want to send From.

Select an account you want to send To.

Enter an Amount.

Choose a Transfer Date.

- Frequency: Choose to make a transfer recurring here
- Memo: Add comment for your records

Select Transfer Funds.

Desktop
Select Single Transfer or Link Account.
- Choose From Account.
- Enter an Amount.
- Enter the Recipient’s account number, Zip Code, first 3 characters of the last name, and Account Type.
- Enter the Recipient’s account number, Zip Code, first 3 characters of the last name, and Account Type.
- Select Submit


Mobile
Select Member to Member.
Select Single Transfer or Link Account.
- Choose From Account.
- Enter an Amount.
- Enter the Recipient’s account number, Zip Code, first 3 characters of the last name, and Account Type.
- Enter the Recipient’s account number, Zip Code, first 3 characters of the last name, and Account Type.
- Select Submit

To get started, select Manage External Accounts under the Transfers section of the Menu.
- You will search for your other financial institution and use your login credentials and account information to connect it to your CCU account.
- You will enter the Routing Number and Account Number and verify account type.
- Two micro deposits will be posted in your external account.
- To link to your CCU account, you will need to confirm the amounts

Mobile
To get started, select Manage External Accounts under the Transfers section of the Menu.

- You will enter the Routing Number and Account Number and verify account type.
- Two micro deposits will be posted in your external account.
- To link to your CCU account, you will need to confirm the amounts
Note: The process generally takes 1-3 business days.

Card Management
- Enable/Disable Card
- Enroll and manage Alerts & Controls
- Add to Mobile Wallet
Desktop
Select Account Services
Select Credit Card Management or Debit Card Management


Options to enable or disable card, set up alert

Mobile

Select Account Services

Select Credit Card Management or Debit Card Management


Options to enable or disable card, set up alerts and add to your mobile wallet can be found here

Here are a few other features that will be new your new CCU digital banking account.
- Transfer between accounts
- External Transfers
- Recurring Transfers
- Member to Member transfers
- Mobile Check Deposit
- Apple Watch Integration
- Mobile Wallet
Support
We’re here to help during this change. If you have any questions, please call 877.ASK.CCCU (877.275.2228) at any time or send us a chat through online banking M – F 9am – 5pm CST. You’ll always find the latest details at myconsumers.org/RBCU.