System Upgrade Complete

Building a Better Banking Experience Just For You

Your Enhanced Banking Experience Starts Here

We've completed our system upgrade to ensure we can continue to provide the best banking experience for years to come.  While most services are fully operational, we're actively working to resolve a few items to ensure everything works seamlessly for you. Here's what you need to know to get started—and what we're still working on.

Complete these important steps to get started.

To make the most of the upgraded banking experience, please take a moment to complete these important steps:

  • Log into digital banking:  Online and mobile banking are active.  You can log in using your existing credentials.

  • Reconnect financial software:  If you use Quicken®, QuickBooks®, or Mint® (CreditKarma®), you'll need to deactivate and reactivate your online banking connection.  You can find step-by-step instructions on the next tab.

  • Verify transfers and payroll distributions:  Confirm that all automated transfers and payroll distributions were processed correctly.

  • Review Bill Pay settings:  Log in to confirm all payees and payment dates.  Re-enter any scheduled payments that didn't carry over and watch for confirmation to ensure successful processing.

  • Re-enroll in PhoneONE: Use the last 7 digits of your Social Security Number.  Once your identity is verified, you'll be prompted to reset your PIN.

  • Re-register for Credit Card access: Click "Credit Card" from the main menu in online banking.  Complete the registration which includes entering your card and profile information and setting up multi-factor authentication. Upon finished, you'll regain access to your full transaction history and account details within the credit card portal.  (Note:  For the time being, transaction history and details will not show in the Account Overview page even after re-registering your card.)

  • Transfer Kasasa rewards manually:  Rewards were not automatically swept to Kasasa Saver in May.  You can transfer them manually.  Normal sweeps will resume with your next statement cycle.

A few features are still being finalized—here's what to expect.

While most systems are live, a few issues are still being resolved.  We're actively working behind the scenes to restore full functionality and appreciate your patience. 

Here's what you may notice:

  1. Payroll and Automated Distributions:  Some payroll and automated distributions may not be processing correctly.  Please verify that your scheduled transfers and distributions have posted, and perform any transfers that have not.  
     
  2. ACH & Share Draft Delays:  Some members may experience slight delays in ACH and share draft postings. We are working to restore normal processing times.
     
  3. eLoan Payments:  The option to set up one-time payments is currently unavailable, but we are working to restore this capability.
     
  4. Mobile Deposit:  The limit for mobile check deposits has defaulted to $10,000 for all members. We are working to restore the customized deposit limits. 
     
  5. Online Banking and Visa Alerts:  Some transaction and threshold alerts within digital banking and for Visa credit cards are currently not functioning. We are working to restore full alert functionality.
     
  6. Check Images:  We are working to improve image loading speed.
     
  7. FICO Scores:  Currently unavailable. 

Explore new enhancements and restored services now available to you.

We've introduced some helpful improvements—and restored services that were temporarily unavailable during the system upgrade.

Here's what you'll notice:

  • Upgraded PhoneONE System:  Our audio response system, PhoneONE, is now more intuitive, with clearer menus and faster navigation to the information you need.
     
  • Clearer Transaction Descriptions:  Point-of-Sale (POS) purchases now display as "POS" in your transaction history—making it easier to distinguish them from true ATM withdrawals.
     
  • Single Sign-On Access:  When logging into digital banking, you can now see all of your account relationships in the Accounts Overview  screen, including accounts where you are a joint accountholder.
     
  • Debit Card Limits Restored:  Daily limits for ATM withdrawals and purchases are back to normal.
     
  • Shared Branch Access Available:  You can once again visit participating credit unions nationwide to access your CommonWealth One accounts.
     
  • Dividend Posting:  Effective June 2, dividends will be posted on the last day of the month for all applicable accounts.

Step-by-Step Guides

The system upgrade requires that you make changes to QuickBooks®, Quicken® or Mint® (CreditKarma®) software, so please take action to ensure a smooth transition. Instructions are available below.

Deactivate-Reactivate Your Account.
Before using these services, you will need to complete the deactivation-reactivation of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.

Conversion Instructions

Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.

We're Here to Help

All branches and our Member Contact Center have resumed normal hours of operation, and our team is ready to assist you with any questions or post-upgrade support you may need.  Please note, we're currently experiencing higher than normal call volume. For faster service, we recommend using our online chat feature available on our website and mobile app.  Our team is standing by to help!