System Upgrade FAQs

Online Banking

Transfer funds between your accounts at other banks and credit unions
Online banking activity alerts: some examples include low balance and check clearing
One online banking experience for everyone
Enhanced security features such as multi-factor authentication

Mobile App

Easier integration with Zelle for person-to-person transactions
Deposit checks into savings accounts
Enhanced security features

Service Interruption

Branches will be CLOSED Monday, April 20, and will tentatively reopen at 9:00 am on Tuesday, April 21.
Contact Center will be CLOSED Monday, April 20, and will tentatively reopen at 7:00 am on Tuesday, April 21.
Online and mobile banking will be UNAVAILABLE Friday, April 17, through Monday, April 20.

Debit & Credit Cards

We do not anticipate any downtime for your cards, but we recommend having a backup form of payment for the weekend of April 17-20 in the event there is a service disruption. Cash withdrawal limits will remain in place. If you need extra cash over the weekend, we advise withdrawing it by Friday, April 17.

What Will Stay The Same

Your checks
Your debit cards
Your credit cards
Your account numbers
Our routing number
Your username & password upon first login

What Will Be Updated

New mobile app and online banking
Enhanced alerts and notifications
Access to all joint accounts in one place
Access to debit & credit card controls within the new mobile app

UNAVAILABLE SERIVCES:

Online and Mobile Banking
Online Account Opening
Bill Pay
Online Loan Applications

AVAILABLE SERIVCES:

Debit Cards
Credit Cards
ATMs

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Update Your Contact Information
Please confirm that your contact information is up to date. You can update your information in one of the following ways:
- In online banking: Log in and navigate to the “Settings” tab in the top right corner. Then select “Profile” to view and update your contact information.
- In the mobile app: Click 'More' in the bottom right corner. Select 'Manage Profile Information' to access your contact information.
- In person: Visit any Meritus CU branch and we'll be happy to help you.
Schedule Online Bill Payments
What You Need to Know
- Some payees may not transfer to the new system. If this happens, you'll need to re-add them starting April 21.
- Payments scheduled through April 17 will still process, but Thursday, April 9 will be the last day to make changes to existing accounts.
- If you have payments scheduled between April 20 – April 29, we recommend updating them to a delivery date of April 17 by April 9 to avoid possible late fees.
Important Action After Upgrade

Once the new system is live on April 21, we strongly recommend that you:
- Review all bill payments to ensure payees and scheduled payments are correct
- Verify any internal transfers between your accounts
- Re-establish any external (ACH) transfers. These will not transfer over after the upgrade
Know Your User ID and Password

Securely save your username and password for online banking. The first time you log in after the upgrade, you will need to know your User ID and password, even if you typically use biometrics.
Prepare for Branch Closure: Monday, April 20

In preparation for this transition, all branches will be CLOSED Monday, April 20, and will tentatively reopen at 9:00 am on Tuesday, April 21.
Stay Up To Date

We will add more information to this page as we get closer to unveiling our upgraded system. We advise you to bookmark this webpage and follow our Facebook page to stay informed.

What can I do now to prepare?
- Please confirm that your contact information is up to date. You can update your information in one of the following ways:
  - In online banking: Log in and navigate to the “Settings” tab in the top right corner. Then select “Profile” to view and update your contact information.
- - In person: Visit any Meritus CU branch location.
- Plan ahead for branch closure. All branches will be closed Monday, April 20 and will tentatively reopen Tuesday, April 21 at 9:00 am.
- Know your User ID and password. You’ll need them to log in for the first time after the upgrade.
- Have a backup form of payment (just in case). Your debit and credit cards should work as normal April 17-21 but we recommend having another form of payment on hand (especially for large purchases).
- Take advantage of extended Contact Center hours: April 21–24 | 7:00 am – 7:00 pm
Why is Meritus CU going through a system upgrade?

We’re upgrading our banking system to provide a better banking experience for you. This new system allows us to offer enhanced digital tools, improved security features, and more flexibility to grow with your needs.
What are the branch hours during the system upgrade?

All branches will be open Friday, April 17 during normal business hours.

All branches will be CLOSED Saturday, April 18.

All branches will be CLOSED Sunday, April 19.

All branches will be CLOSED Monday, April 20.

All branches will re-open on Tuesday, April 21 at 9am.
Will I still need the separate MCU MyCards app?

No. Starting in April 2026, debit and credit card controls will now be built directly into online and mobile banking — no separate app required.
Will online and mobile banking look different?

Yes. You’ll enjoy a new, modern design in both online and mobile banking for a smoother, more user-friendly experience.
Will my debit and credit cards work during the upgrade period?

We do not anticipate any downtime for your cards, but we recommend having a backup form of payment for the weekend of April 17-20 in event there is a service disruption. If you need extra cash over the weekend, we advise withdrawing it by Thursday, April 16.
Will I get a new debit or credit card?

No. You can continue using your current Meritus CU debit and credit cards.
Will my checks still work?

Yes. Your existing checks will continue to work as usual.
Will I receive more than one statement in April?

Yes. Due to our system upgrade, you will receive two statements for April 2026. One statement will cover April 1–17, and a second statement will cover April 18–30. This ensures all account activity is accurately captured during the transition.
Will my external transfers (ACH) carry over after the upgrade?

No. External transfers (ACH) will not carry over to our new online banking platform and mobile app. Once the upgrade is complete, you will need to re-establish any external accounts and set up your transfers again.
Will my account nicknames transfer to the new system?

No. Any nicknames you’ve set up for your accounts (such as checking or savings) will not carry over to the new online banking platform or mobile app. We recommend making note of your account names and balances before the upgrade so you can easily reorganize them afterward.
Will I need to re-enroll in Zelle® after the upgrade?

Yes. After the system upgrade is complete, you will need to re-enroll in Zelle® through our new online banking platform or mobile app.