System Upgrade
Great News! A New & Improved Banking Experience is Coming!
A message from the CEO:
At PCT Federal Credit Union, we’re always looking for ways to serve you better. That’s why we’re upgrading our core banking system—to bring you faster, smarter, and more seamless banking!
This upgrade means better digital features, improved service, and a smoother experience overall. While there may be brief interruptions, we promise it’ll be worth it! Keep an eye on our updates, especially about re-enrolling in online and mobile banking.
We appreciate your support and can’t wait for you to enjoy the benefits of this upgrade!
Dan Picard
CEO, PCT Federal Credit Union
What this Upgrade Means for You:
A Better Online & Mobile Banking Experience – Access a more user-friendly platform with enhanced security and seamless access to your accounts.
- Faster Transactions – Deposits, withdrawals, and transfers will be processed more quickly, giving you immediate access to your funds.
- Enhanced Digital Services – Take advantage of upgraded online tools to track your finances, set savings goals, and manage your money more efficiently.
- More Payment Options – Our integration with Zelle® makes it easier than ever to send and receive money securely.
- Improved Loan Processing – Apply for loans faster with a streamlined approval process and fewer delays.
- Stronger Security & Fraud Protection – Your personal information and accounts will be safeguarded with the latest ID verification and fraud monitoring technology.
- Easier Bill Payments – Our new CheckFree Bill Pay system simplifies paying your bills straight from your account.
- Enhanced Statements & Alerts – Stay informed with improved e-statements, digital notifications and real-time updates.
We’ll provide regular updates on our website, through email, and mail. If you have any questions, feel free to contact us at 508-291-0777 or email us info@pctfcu.org.
Branch Closures
To successfully complete our System Upgrade, there will be service disruptions from April 29th to May 2nd, with our branch closed on May 1st.
Tuesday, April 29th
Both branches will be open normal business hours
Wednesday, April 30th
Our Main Office is open as normal
Thursday, May 1st
Our branches will be CLOSED
Friday, May 2nd
Our Main Office will open at noon
Online Banking and Mobile App Outages
Tuesday, April 29th
Mobile and online banking will be offline starting at 4:30pm
Wednesday, April 30th
Mobile and online banking will be offline for the day
Thursday, May 1st
Mobile and online banking will be offline for the day
Friday, May 2nd
Enrollment for our new mobile and online banking will begin at noon
REMINDER: Online and Mobile Banking will not be available after 4:30 p.m. on Tuesday, April 29th.
Members will also need to enroll in our new Online Banking system beginning Friday, May 2nd.
System Upgrade At A Glance
| Services | Tuesday, April 29 | Wednesday, April 30 | Thursday, May 1 | Friday, May 2 |
|---|---|---|---|---|
| Our Branch | ✔ | ✔ | ✘ | ✔ |
| Live Teller Telephone Support | ✔ | ✔ | ✘ | ✔ |
| Online Banking | ✔ | ✘ | ✘ | ✔ |
| Mobile App | ✔ | ✘ | ✘ | ✔ |
| Online Bill Pay | ✔ | ✘ | ✘ | ✔ |
| ATMs | ✔ | ✔ | ✔ | ✔ |
| Debit Card Purchases | ✔ | ✔ | ✔ | ✔ |
Credit cards will continue to operate as usual and will not be impacted by the system upgrade.
How To Prepare
Gather Member Info.
Taking a few minutes to prepare will ensure that you have an easier time navigating the System Upgrade. Printing previous statements and Bill Pay information are a couple of ways Online Banking users can prepare. Check out our guide below to make sure you are prepared for the System Upgrade.
Bill Pay
Print a copy of all payees from the current system. This will be needed since data WILL NOT transfer to the upgraded Bill Pay system. The last day to schedule payments will be April 30th. To ensure your payments are processed without interruption, please make other arrangements for Bill Pay, as this service will not be available after the system upgrade.
e-Statements
Print out your account history and the last few statements of your accounts from Online Banking prior to the System Upgrade for reference. If you do not have access to a printer, our member service team will assist you. All members (even those currently enrolled in e-Statements) will receive a free paper statement for the first month following the System Upgrade. Following this, your statement distribution will return to normal.
Order Debit Cards
April 14, 2025 is the last day to order debit cards until the new system is live. If you know your debit card is lost or damaged, please notify us immediately so that we may deactivate the old card and issue a new one. Delays in ordering will create delays in receiving your card.
Enroll in Online Banking
All Online Banking enrollment will need to be completed by close of business on April 14, 2025. Enrollments after this date will be processed on the new system once live, effective May 2, 2025.
Please note that current Online Banking credentials will not
convert over to the new system. Please see below for additional information.
Note: Bill Pay data WILL NOT transfer over to the new Bill Pay system. Please print a copy of all payee data or use the How To Prepare Guide to record all payee information. All recurring payments will no longer take effect after Tuesday, April 29. This is only for members using iPay within Online Banking. Any recurring ACH or debit card payments to payees will continue to process post-upgrade.
Account Information
Account Numbers
Although your account numbers will remain, your account suffixes will change. Please make note of the new account suffixes as you make loan payments and/or refer to your specific accounts with questions and maintenance.
Checks, Debit Cards, and Credit Cards
Your existing checks, debit cards, and credit cards will continue to work after our System Upgrade. Your Personal Identification Numbers (PINs) will also remain unaffected.
Direct Deposit
Your direct deposits will continue to post to your account.
Certificates and Loans
Current certificate and loan terms, as well as any payment due dates will remain the same.
What to Do After the System Upgrade
Bill Pay
Our existing platform will be discontinued as of April 30, 2025. Please print a copy of all payees from the current system to use during the re-enrollment process on May 2, 2025.
Online Banking
Your current Online Banking login ID and password will not convert over to the new system. Once Online Banking becomes available post System Upgrade, you will need to login using your Member Account Number as the user and the last four digits of the primary account holder’s SSN followed by the first four letters of the primary account holder’s last name with the first letter capitalized as the password. Following the first login, you will be prompted to change your credentials and set up your security questions.
Mobile Banking
Your current Mobile Banking login ID and password will not convert over to the new system. Once Mobile Banking becomes available post System Upgrade, you will need to login using your Member Account Number as the user and the last four digits of the primary account holder’s SSN followed by the first four letters of the primary account holder’s last name with the first letter capitalized as the password. Following the first login, you will be prompted to change your credentials and set up your security questions.
Frequently Asked Questions
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We’re upgrading our core banking system to deliver a more user-friendly, secure, and efficient banking experience. The new system brings enhanced online and mobile banking, faster transactions, improved digital tools, and additional payment options – all designed to make managing your finances easier.
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Your current login ID and password will not carry over to the new system. Starting May 2, 2025, you must log in using:
· Your Member Account Number as the username.
· A temporary password formed by the last four digits of the primary account holder’s SSN followed by the first four letters of the primary account holder’s last name (with the first letter capitalized).
o Example: John Smith, SSN 111223456
o Temporary Password is 3456Smit
After your first login, you will be prompted to change your password and set up security questions.
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Mobile App
· The current mobile app will stop working after close of business on April 30, 2025.
· Please download the new app from the Apple or Google store on May 2, 2025.
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Our existing platform will be discontinued as of April 30, 2025. Please print a copy of all payees from the current system to use during the re-enrollment process on May 2, 2025.
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We are committed to keeping you informed. Updates will be posted on this page, and you will receive notifications via email and mail. For additional questions or support, please call 508-291-0777 Ext 275 or visit the branch.