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System Upgrade Coming

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System Upgrade Coming

We’re Improving Your Member Experience 

"Our members trust us to do what's best for them, and this upgrade is no exception. It will allow us to continue our member-first approach." - Brent Sadler, President/CEO

When: Friday, January 30th – Tuesday, February 2nd, 2026 

Our system upgrade will improve your member experience by

  • Enhancing your online experience and minimizing downtime

  • Allowing for more personalized product recommendations 

  • Improving our digital infrastructure to accommodate new products and services  

What Can I Do to Prepare? 

We encourage members to make sure their contact information is up to date so that all communications we send are received. Please send your updated contact information via our contact us form. 

How Will This Affect Me? 

During the upgrade, the following services will be temporarily unavailable: 

  • Access to online and mobile banking 

  • Bill pay services and edits 

  • Balance inquiry services, including audio banking 

  • Deposits and fund transfers 

  • New loan payment and scheduling 

  • Branch and ATM access  

After the upgrade, account number suffixes will be standardized to four digits by adding “0”s. 

Account suffixes that end with one digit will have three “0”s added, and suffixes that end with two digits will have two “0”s added. 

Examples: 

Account Suffix: 112233-9 changes to 112233-0009 

Account Suffix: 112233-79 changes to 112233-0079 

Account Suffix: 112233-S1 changes to 112233-S0001 

 

What You Need to Do: 

Before January 30th 

Complete any fund transfers, account inquiries, and routine banking activities by Friday, January 30th. While we do not anticipate interruptions to member debit and credit cards, we do recommend carrying another form of payment in case of service interruptions. 

After February 2nd 

Members will need to add the additional “0”s to their account number manually when performing internal transfers, such as transfers from a primary account to a sub account. 

No other action is needed following this change. 

 

Frequently Asked Questions

Why are we going through a system upgrade?

We are performing a system upgrade to improve our members’ experience. This upgrade will:

  • Support your online experience by minimizing downtime
  • Better prepare staff to assist you with personalized account and product recommendations
  • Improve our digital infrastructure so that we can add new products and services with ease.
What should I do to prepare for the system upgrade?

Members are encouraged to complete fund transfers, account inquiries, and routine banking activities by the close of business on Friday, January 30th.

What do I need to do after my account suffix number changes?

No action is needed from members as a result of this change. ACH, direct deposit, and check clearing will not be interrupted.

Members who perform internal transfers will need to take note that the “0”s will need to be added to the receiving account’s suffix to complete the transfer:

Old Account Suffix: 112233-9 — New Account Suffix: 112233-0009

When doing a member-to-member transfer — S:0009 / L:1201 will need to be updated.

Will I need to order new checks?

No. Your current checks will continue to clear as usual. You will not need to order new checks, nor will you need to add the extra “0”s to the account suffix when you do order.

Do I need to submit a new direct deposit form to my employer?

No. Direct deposit and ACH deposits will continue as usual. You will not need to resubmit paperwork with the extra “0”s in the account suffix.

How long will my old checks clear?

They will continue to clear your account as always. This will not change.

Will my debit card still work?

During the system upgrade, January 30 – February 2, debit and credit cards may experience occasional service interruptions. Please carry a backup form of payment.

Will I still be able to get cash at the ATM after hours?

Yes, however, during the system upgrade, January 30 – February 2, ATMs will be in standby mode. You cannot check balances or initiate fund transfers during this time. You are encouraged to withdraw cash by Friday, January 30th, if needed for the weekend.

What will happen if I log in to online banking during the system upgrade?

You will still be able to log in, but account actions will be unavailable, and your account information will not load. Members will be redirected to our “system upgrade” page.

What should I do if I experience service interruptions after February 2?

Our member assistance team is always ready to help. Please call 573.581.8651 or toll-free at 877.581.8651 to resolve any access issues.

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