What is Changing?

We will be upgrading our core banking system to bring you the best service and the latest secure technology. The upgrade will take place between Friday, May 29 - Wednesday, June 3. We will do our best to ensure a smooth transition and ask for patience as we take on this core conversion.

Important Dates:

Friday, May 29

  • Mobile Deposits will be disabled at 1:00 pm CST.
  • Online & Mobile Banking will go offline at 2:00 pm CST.
  • You may have issues with debit card transactions. Please plan to have another payment available during our downtime.
  • P2P Debit Card Transactions will be offline starting at 3:00 pm CST.

Saturday-Sunday, May 30-31

  • Online & Mobile Banking will be offline.
  • You may have issues with debit card transactions. Please plan to have another payment available during our downtime.
  • P2P Debit Card Transactions will be offline.

Monday-Tuesday, June 1-2

  • The Credit Union will be closed.
  • Online & Mobile Banking will be offline.
  • You may have issues with debit card transactions. Please plan to have another payment available during our downtime.
  • P2P Debit Card Transactions will be offline.

Wednesday, June 3

  • All services restored.
  • Normal business hours resume.
  • New Online Banking registration begins at 8:00 am.

What can you do to prepare:

  • Contact Information: Contact us at 402-593-2680 to verify the contact information for all account owners and borrowers before Thursday, May 28 - The new online banking is SSN-based, and this will help ensure you have no issues with enrollment and can avoid long wait times on June 3
  • Debit Cards: Know your account balance to ensure you don't over spend! Have another form of payment (cash, credit card, etc.) available from May 29 to June 3
  • E-Statements: Download/Print statements if they are enrolled in e-statements - Paper statements will be mailed for May
  • Check Copies: Download/Print check copies from online banking if needed
  • Online Banking: Record recurring transfers as they will not be converted to the new system
  • Bill Pay: Record payees/billers and payment due dates before Thursday, May 28. Pay scheduled payments that are due between May 25 and June 5 early or pay directly to the vendor - Any scheduled payments in a pending status will be cancelled
  • Loan Applications: All pending loans need to be booked by May 29
  • Transaction Posting: Any pending debits or credits as of May 28 will be posted to the account on May 29 (See the Reconcile section below for more details)
  • Updates: Watch for communications and check this webpage regularly for updates (Review the specific product information below)

What do I need to do after the conversion?

  • Online Banking: Enroll as a first-time user and set up new login credentials. More details will be shared on how to enroll closer to the conversion date. Each person will have their own login, which will link to any account they are associated with.
  • Mobile Banking App: Users will need to update the mobile banking app and log in with the new online banking credentials or register as a new user.
  • Automatic Transfers: Set up recurring transfers that were previously set up in Online Banking. The previous transfers will not convert to the new system. 
  • Set up Alerts: Set up alerts and notifications that you wish to receive in the new mobile app and/or desktop banking. The previous alerts will not be transferred to the new system.
  • E-Statements: If the preferred statement method is electronic, then re-enrollment is required.
  • Bill Pay: Enroll in bill pay; the previous payments and vendors will not transfer into the new bill pay.
  • Reconcile Account: Make sure to reconcile your account. Please note that transaction postings for May 29 – June 2 may be delayed in posting to the account.

Reconcile Your Account

  • Electronic Transactions Posting (ACH): Any pending debits and credits as of May 28 will be posted to the account before the conversion takes place
  • Delayed Transaction Posting (ACH): Any transactions received after May 29 will be posted to the account after the conversion takes place
  • Debit Card Transaction Posting: Any transactions received after May 29 will be posted to the account after the conversion takes place
  • Internal transfers: Any scheduled transfer between May 29 and June 2 will be processed on June 3
  • Credit Union ACH Originations: Any scheduled transfer between May 29 and June 2 will be processed on June 3
  • May Statements: All accounts will receive a mailed paper statement for May, regardless if they are enrolled in e-statements
  • June Statements: All accounts will receive a mailed paper statement for June, regardless if they are enrolled in e-statements - We ask that all members verify their transactions posted correctly, that the account information is accurate, and report any issues as soon as possible

Sneak Peek of What’s New:

Online Banking:

  • A social security number-based system that will automatically link any accounts or loans you are associated with. No more shared logins!
  • A2A Transfers
  • View checks that have been deposited to your account
  • View authorized Automatic Transfers on file with the Credit Union
  • Account Alerts

Mobile Banking:

  • Debit Card Controls
  • Instant Notifications
  • Mobile Deposits with Faster Posting Time

Bill Pay:

  • P2P Transfer options
  • Same-day clearing
  • More ebiller options for faster, more secure payments

Debit Cards:

  • Digital Wallets
  • Instant Issue

Online Banking

  • Confirm your updated mobile number and email with us before Thursday, May 28, to ensure there are no issues or long waits when we go live on the new platform.
  • Download e-statements and check copies as needed. Paper statements will be mailed for May.
  • Transaction history, transfers, and statements will not be transferred to the new system. 
  • Service is unavailable from Friday, May 29, at 2:00 PM CST to Wednesday, June 3, at 8:00 am.
  • All members must register as a new user on the new platform. The new online banking is social security-based, not account number-based - So you'll have your own set of credentials for any account you are associated with! (Your username and password will be the same for Mobile Banking; only one registration per owner is necessary.)
  • Multi-factor authentication will be implemented for enhanced security.

Mobile App

  • Mobile Deposits are unavailable starting Friday, May 29, at 1:00 PM CST.
  • Service is unavailable from Friday, May 29, at 2:00 PM CST to Wednesday, June 3, at 8:00 am.
  • Update the Mobile App to the new version on June 3.
  • All account owners must register as a new user. The new mobile banking is social security-based, not account number-based - So you'll have your own set of credentials for any account you are associated with! (Your username and password will be the same for Online Banking; only one registration per owner is necessary.)
  • Multi-factor authentication will be implemented for enhanced security.
  • Call us to re-enroll in Mobile Deposits.

Bill Pay

  • Record payees/billers and payment due dates before Thursday, May 28th. The previous payments, payment history, and billers will not transfer into the new Bill Pay.
  • Pay scheduled payments that are due between May 25 and June 5 early or pay directly to the vendor.
  • Bill Pay will go offline on Thursday, May 28th. Any scheduled payments in a pending status will be cancelled.
  • Recurring bill payments will be cancelled and need to be set up in the new bill pay system.
  • Enroll in the new Bill Pay platform within Online Banking. Add payees/billers and payments to the new bill pay system.
  • The new platform does same-day clearing, so no more waiting for items to clear. The funds will be taken from your account the same day it processes.

Debit Cards

  • You may experience interruptions between Friday, May 29, and Wednesday, June 3
  • Know your account balance to avoid overdrafts. Members are responsible for all transactions that post to their account.  
  • Please plan to have another payment available during our downtime.
  • P2P Transactions will be denied after 3:00 pm CST on Friday, May 29 – June 3
  • Do not destroy your current Debit Cards; they remain valid.

Frequently Asked Questions

What is a Core Conversion? A core conversion is an upgrade to our central software platform that enhances transaction processing, member services, and security. This is the computer software and hardware we use to process transactions and maintain member deposits and loans. It also supports services such as Debit Cards and Online Banking.

What can you Expect? During the conversion, our online/mobile banking and bill pay systems will be offline for installation, validation, and training. You may experience disruptions to other services as well. The Credit Union will also be closed on June 1 and June 2. It is recommended that you have another form of payment available May 29 through June 3.

What Does This Mean for Me? While the upgrade is mainly behind the scenes, some service interruptions will occur. We aim to make this transition smooth for you.

How will I be contacted regarding the upgrade? We will keep you informed throughout the entire process via direct mail, lobby notices, emails, and regular updates to this webpage.

What’s Not Changing?

  • Account/Member Number
  • Debit Cards
  • Checking Account Information
  • Credit Cards
  • Loan terms, payment amounts, due dates, and rates

Will My Online Banking Login ID and Password Stay the Same? No, each person will need to re-enroll with new credentials starting Wednesday, June 3.

Are My Accounts Still Secure? Absolutely. We have taken all necessary precautions to ensure your information remains secure.

Can I Still Use My Existing Checks and Debit card? Yes, your checks and debit card remain valid.

Are there changes to my KCU Credit Card? No, your credit card will remain unchanged, and transactions will process as normal through the conversion.

Will I receive a May Statement? Yes, every account will be mailed a paper statement for the month of May, even those enrolled in e-statements.

Do I need to register for Online and Mobile Banking separately? No. You only need to register on one platform to use both.