Upgrade Central FAQs

The core system upgrade is designed with your best interests in mind. By staying ahead of technological advancements, American First Credit Union aims to offer enhanced and innovative products and services. The benefits of this upgrade include:
       • A streamlined and convenient online and mobile banking experience
       • Access to both existing and emerging technologies
       • Customizable online banking features
       • Real-time processing capabilities

You can enjoy a new, user-friendly design that works seamlessly across all devices—desktop, tablet, and mobile—ensuring a consistent experience wherever you like to bank. Track your credit score with VantageScore 3.0, link external accounts for a full financial view, and use self-service tools like transaction disputes and overdraft management. Enjoy enhanced features like simplified bill pay, faster mobile deposits, and customizable alerts keep you in control. Plus, advanced security and in-app eStatements offer convenience and peace of mind.

The security of our members' personal and financial information is our highest priority. Rest assured, your data will remain secure throughout the entire conversion process.

The core data processing system refers to the software and hardware used by American First Credit Union to manage members' deposit and loan accounts, process transactions, and support services such as debit cards and online banking.

To ensure a smooth transition, please keep an eye out for further communications from us.

No, Bill Pay will be unavailable from approximately 6:00 a.m. on Friday, October 25 until the new banking platform is live on Monday, November 4 at 2:00 p.m. Prescheduled payments will be processed, but you will not be able to add, delete, or modify scheduled payments or payees.

No, Online Banking and the American First Credit Union Mobile App will be unavailable from 6:00 a.m. on Thursday, October 31 until the new banking platform goes live at 2:00 p.m. on Monday, November 4.

Yes. All American First Credit Union branches will close at 5:00 p.m. on Thursday, October 31 and will reopen at approximately 2:00 p.m. on Monday, November 4. This applies to both lobbies and phone services.

Yes. The contact center will be closed to incoming phone calls starting on October 31 (Thursday) at 5:00 p.m. No incoming calls will be accepted until November 4 at 2:00 p.m.

Yes, your debit card will continue to function; however, withdrawal limits may be temporarily restricted during the conversion period.

Our ATMs will be unavailable from 3:00 p.m. on October 31 until 2:00 p.m. on November 4. You may still use ATMs affliated with the Accel, COOP, and MasterCard networks. Please visit the COOP ATM Network website at co-opcreditunions.org/locator to find the nearest ATM.

No, Moneyline will be unavailable from 5:00 p.m. on Thursday, October 31 until the new banking platform is operational on Monday, November 4 at 2:00 p.m.

Direct deposits and automatic withdrawals will continue to process within their usual timeframes.

To ensure timely payment, please schedule any payments for November 1 - November 4 for payment by October 31.

Night drop deposits made after approximately 7:30 a.m. on Thursday, October 31 will be processed on Monday, November 4.

No, November statements will be delivered within the usual timeframe.

We fully expect a high percentage of payee information to automatically convert to our new bill pay system. In the event that we are not provided with a biller address, you might be required to add the payee to the new bill pay system. If you notice a payee missing after November 4, 2024, follow these simple steps to add them back:
       1. Find your most recent bill
       2. View Adding Payee Steps

Yes. During the upgrade window, your payments are still expected to process as normal through the end of day October 31, 2024.

**To avoid scheduling duplicate payments, be sure to document your payments scheduled through the above date (October 31, 2024) as they will not display within the new system on November 4, 2024, however they will still be paid.

Although we are anticipating that your recurring payments will convert, we recommend taking a moment on November 4, 2024, to confirm they have loaded correctly.

Payment history will not be available. It is important to view current activity history prior to October 25, 2024. Do so by navigating to the ACTIVITY tab within our current bill pay system, select the date range you desire, and select Print.

With the current bill pay system, your payment could be sent as a member draft check, corporate check, or an electronic payment.

Under the new system, on the scheduled date of your payment, we will attempt to verify funds in your account at 5:00 AM PT. If funds are not available at that time, we will try again at 12:00 PM PT. This process will continue for up to three business days.

If funds are not available by the end of the third day, the payment will not be sent, and you may need to reschedule the payment. We encourage you to ensure sufficient funds in your account to avoid any interruptions.

Yes, previous transaction history will not be available in online banking, mobile banking, or Moneyline after October 31. We recommend enrolling in e-statements before this date and saving your statements to your computer. You can also download history via Export Transactions in online banking or print using the Advanced function in Transaction Details. Statements for the period of October 1 through October 31 will be delivered as usual.

Yes, your current checks will remain valid, and there is no need to order new ones.

No, your American First Credit Union statement will remain the same. It will also be available for viewing through Mobile Banking.

Yes, the first time you log into the new online banking or mobile banking system, you will need to change your password.

Please continue to check our Upgrade Central page for more updates or contact our Member Service team at 800-290-1112.