Online Banking Refresh

We're refreshing our Online and Mobile Banking February 2020!
This page will be the hub for information you'll want to know related to the Refresh. More details will show up here, in your email, in your mailbox, and on our social media profiles as we get closer to February. If you have questions along the way, you can always stop in or give us a call!

Dear Capital Credit Union Members,

Technology is moving fast, and we continue to work to provide our members with top notch products and services.  Having just undergone an improvement in our debit card processing platform that allows us to offer members instant issue debit cards, we are now focusing on refreshing our Online and Mobile Banking platform. 

In the first week of February 2020, we will be upgrading these products along with Bill Pay, Finance Manager, and Mobile Check Deposit.  The upgrade will also bring some additional helpful tools, like CreditSenseSM to see your credit score and suggestions for improving it, and Zelle® for an easy way to send money. Online Banking users will be receiving information as we continue toward the Online Banking Refresh.

The upgrade will require some downtime where members will not have online access to their accounts. This will not impact our core data processing system, so members can stop at a branch during normal business hours, call our Communications Center with questions, and/or use their debit and credit cards. While this will be a bit of an inconvenience, we’re confident the benefits of these enhancements will very much out-weigh those inconveniences.   

We look forward to these changes and appreciate your patience as we continue to move forward in these fast changing times.

Sincerely,

Tom Young
President/CEO

Zelle®

You may have heard of this offered elsewhere. Well, we’re jumping on the Zelle bandwagon. You can transfer to or receive money from another Zelle user instantly. And although we know all of your friends and family are Capital members (wink), you can use Zelle with anyone else who has the app – even if they’re with another financial institution. As long as your friend is signed up, you’re good to go!

 Credit SenseSM

If you’ve ever wanted to see your credit score without having it pulled for a new loan, or are interested in seeing what you could do to bump it up a few points, you’re one of many. And we listened. When the Online Banking Refresh goes live, we’ll be launching a new feature called Credit Sense that does just that.

 Pending Transactions

This is another one of those common requests that we’re pumped to finally accommodate! Yes, we’re going to show pending debit and ACH (electronic) transactions in Online Banking to help you break down the difference between your “current” and “available” balance.

 CardValet®

Manage your debit card from inside of online banking! CardValet allows you to turn your debit card on and off, report the card lost or stolen, set alerts based on your specific preferences, and more to take steps to prevent fraudulent activity.

Check that your contact info is up to date

More communication will be coming for Online Banking users as we get closer to the Online Banking Refresh. Please (we’re unashamedly begging you) do us a huge favor and double check your contact information is up to date. We’re talking:

  • Phone numbers
  • Email address
  • Mailing address

We promise not to be the nagging spouse, but we will have important info you won’t want to miss!

Not sure where to start?

Check what info you have on file in online banking and make changes where necessary.

  1. Login to online banking
  2. Find “Settings” in the main menu
  3. Select “Manage Contact Info”
  4. Review information and make changes as needed

Or, if you would like to speak with us, go ahead and stop into a branch. We’ll get it taken care of for you.

YOUR SECURITY 
Our first priority
We know changes like these can raise concerns like, “Is the new Online Banking going to be just as secure as what we have now?”
or “More changes leave more room for errors.” I want to assure you that our project team has been hard at work preparing for the
Online Banking Refresh, with experts from all over the credit union performing testing, examining security protocols, and
sifting through details to make sure it goes as smoothly as possible.

The refresh also brings the ability to offer more security and fraud prevention tools for you to keep tabs on your finances,
including CardValet® and Credit SenseSM, along with a few others that solve common requests we’ve heard from our members.
We are very excited to be providing these new features and giving you more flexibility at your fingertips! We know there will be
lots of questions, and we are here to answer them, just give us a call.
 
-KAREN CAREW, EVP/COO
Q: Why do we need a refresh anyway?
A: The new platform allows us to offer services that are out of reach with our current Online Banking. The new features and capabilities will bring a lot of value to our members. Plus, many are answers to frequent requests we've heard in recent years. We're working to enhance all of our digital services to be able to provide the best experience for our members now and in the years to come.
 
Q: How do you plan to keep your members in the loop about the changes?
A: Please make sure your contact info is up to date! We'll have communication going out in many ways including email, mailings, social media posts, info on our website, etc. 
 
Q: Is there anything I need to do to prepare for the Refresh?
A: Not at this point, except double checking that your contact info is up to date. We'll have more communication coming out with specifics as we get closer to the Refresh if there are any changes to your specific products. 
 
Q: Will I need to download a new mobile app?
A: Yes. When we get to the Refresh date you will need to download the new mobile application from the Google Play Store or the App Store. The new application will have a different colored Capital logo than the current app. We'll have more info on this as we get closer to the Refresh!
 
Q: Tom Young mentioned some downtime. What does that mean?
A: As we prepare for the new Online Banking to go live in February, there will be a couple days where you won't have access to your accounts in Online Banking. However, this does not mean you won't have access to your accounts at all! Our core processing system will be up and running, so you'll be able to visit a branch, call in, use your debit or credit card, and use an ATM while Online Banking is down. We'll get exact dates out to you in January so you can prepare for the downtime.