Digital Banking Conversion

We're Upgrading Your Banking Experience!

EFCU Financial is thrilled to announce that we will be upgrading our Digital Online and Mobile Banking Platform on Monday, October 12, 2026. To better serve you, we are completing a core system upgrade that will bring faster service, stronger security, and more modern digital tools. This upgrade is an important step forward and helps ensure your banking experience continues to grow with your needs.

What is a core conversion?

A core conversion is a complete upgrade of the technology that powers your entire banking experience. Think of it as replacing the engine of a car, everything from behind-the-scenes transaction processing to your online and mobile banking gets a powerful new foundation. This new system enables us to process transactions faster and more securely, deliver modern digital banking tools, and provide seamless account access across all your devices.

Why is this important for you?

This investment means a smoother, faster, and more secure banking experience. You will enjoy improved digital tools and enhanced convenience while still receiving the same friendly service and personal support you know and trust from EFCU Financial.

A Message from EFCU Financial President and CEO:

Core Conversion Timeline

Mark your calendar with these important dates

Date

Event Details

OCT 9 2026

System Freeze Begins

Online and Mobile Banking will be unavailable in the evening as we upgrade to the new system.

OCT 10 2026

Core Conversion Day

Online and Mobile Banking will be unavailable as we complete the core system upgrade. All branches will be closed. Debit and credit card purchases and cash withdrawals may be limited. Telephone banking will be offline.

OCT 11 2026

System upgrade

As we are finishing our core system upgrade, Online and Mobile Banking will be unavailable. Telephone banking services will also be offline. All branch locations will be closed. Debit and credit card transactions, as well as ATM cash withdrawals, may experience limitations.

OCT 12 2026

New System Goes Live

Branches will remain closed for the holiday. Our Contact Center will be open to assist members and telephone banking will be available. The new online and mobile banking platform will be available to download and log into mid-day.

OCT 13 2026

Full Services Restored

All branches will reopen for normal business hours. All banking services operating normally. Our team will be available to assist with any questions about the new system features.

Frequently Asked Questions

Is my personal and financial information secure during the conversion?

Yes. Protecting your personal and account information is our top priority. All member data will be secured throughout the entire conversion process.

When will the conversion happen and what is the timeline?

Key dates for the conversion:

Evening of Friday, October 9, 2026: Online and mobile banking will go down for scheduled maintenance.
Saturday, October 10, 2026 & Sunday, October 11, 2026: All branches will be closed.
Monday, October 12, 2026: Branches are closed for the holiday, but our Contact Center will be open to assist members and telephone banking will be available. The new system changes will be implemented during this period. The new online and mobile banking platform will be available mid-day.
Tuesday, October 13, 2026: Branches will reopen for normal business hours.

Please check our core conversion page, email updates, and social channels for any last-minute changes.

Will I need a new account number?

No. Your account number will not change.

Will I need new debit/credit cards and checks?

No. Your current debit and credit cards and checks will remain valid during and after the conversion.

Will my debit and credit cards work for purchases and ATM withdrawals?

Yes. Card purchases should process as normal and ATMs will be available, although access may be limited during the weekend of October 10. Note: starting Friday, October 9, balance inquiries may not include all pending transactions until Monday, October 12. Please track spending carefully to avoid overdrafts.

Will I be able to access online and mobile banking during the conversion?

No. Online and mobile banking will be unavailable starting the evening of Friday, October 9, 2026. The new online and mobile banking platform will be available beginning Monday, October 12, 2026 mid-day.

Will I need to download a new mobile banking app?

Yes. A new EFCU Financial mobile banking app will be available in the App Store and Google Play. Download the new app and enroll using your online banking credentials when the platform goes live.

Will my Online Banking user ID and password change?

Your user ID for existing members will remain the same. The login process will change and you will be required to create a new password when you first sign in to the new platform.

Will telephone banking be available?

Telephone banking will be limited during the scheduled system downtime (evening of October 9 through October 11). The Contact Center and telephone banking service will be available to assist members on Monday, October 12, 2026 mid-day.

Which accounts and transaction history will transfer?

All of your accounts will transfer to the new system along with 2 years of account history.

Will I be able to view my previous statements after the conversion?

Yes, you will still have access to your e-statements within the new online banking platform.

What if I need online banking access during the scheduled downtime?

You will not be able to access online banking during the scheduled downtime. If you need help, contact our Contact Center; representatives will be available on Monday, October 12, 2026.

Will I be able to use ATMs during the weekend of October 10?

Expect reduced functionality for balance inquiries and some ATM services. Plan accordingly and withdraw cash ahead of the downtime if you may need it.

What should I do to prepare for the conversion?

Make sure your contact information is up to date so we can reach you with important updates.
Be prepared to download the new mobile app and complete first-time enrollment when the new platform is available.
Visit our core conversion webpage, monitor your email, and follow EFCU Financial on social media for the latest updates.

Where can I get help or updates?

Visit our core conversion page on the website, check your email for updates, follow us on social media, or call us at (225) 214-6800 for assistance.

Useful Links

Download the App