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America's Christian CU
America's Christian Credit Union
Core System Upgrade
May 28, 2021 - June 2, 2021
What is a Core System Upgrade?

A Core System Upgrade is an extensive upgrade to our core processing system and many of our ancillary systems. These system help us run our day-to-day business, process transaction, and drive our Mobile Banking App. This upgrade will provide more functions and features such as faster loan approvals, expedited account opening, improved CALL24 telephone banking services (as well as a Spanish language option), enhanced Mobile Banking services, and more.

America’s Christian Credit Union (ACCU) employees began working on this project nearly two years ago. We have been working around the clock to ensure a smooth transition for all of our members. The final part of this upgrade will happen between May 28, 2021 – June 1 2021. Please be advised you may experience downtime and some services will be unavailable during the Core System Upgrade. Please review our Frequently Asked Questions section below to learn more.

Latest Updates

Update as of 4/29/2021

We have added a Frequently Asked Questions section and more details about the upcoming Core System Upgrade that will take place between May 28, 2021 – June 1, 2021.

Update as of 3/23/2021

Please note, we will be conducting a systems wide upgrade between May 28, 2021 – June 1, 2021. In the coming months we will provide more information in letters, email, statements, and online banking. Check this page for more information and details.

Frequently Asked Questions

When will the Core System Upgrade be performed?

ACCU employees began working on this project nearly two years ago. We have worked around the clock to ensure a smooth transition for all of our members. The final part of this upgrade will happen between May 28, 2021 – June 1, 2021.

 

Why is the Core System Upgrade being performed?

We have decided to upgrade our core system because we want to provide more functions and features in order to better serve our members.  These enhancements will allow us to offer better service with more benefits such as faster loan approvals, expedited account opening, improved CALL24 Telephone Banking Services (as well as a Spanish language option), enhanced mobile banking, and more.

 

Should I watch for any other communications about my account or the Core System Upgrade?

We will have ongoing communications leading up to the Core System Upgrade via your monthly statement, email, and mail. For the most up to date information, please continue to check this webpage.

If you are not currently receiving our emails but would like to, you may sign up for email updates here.



 

Will my member number or account number change?

No, your member number and account number(s) will remain the same.

If you are a joint on an account but you are not a tax reporting primary member, you are considered a non-member joint. Beginning on June 2, 2021, you will need to use the primary member’s member number or account number when accessing online or mobile banking, shared branches, or speaking with a member representative.

Please note: If you have created an online banking login prior to May 28, 2021 using your non-member joint “member number” this account login information will remain unchanged.

 

Will the CALL24 Telephone Banking System be available during the Core System Upgrade?

No, you will not be able to access CALL24 Telephone Banking System between May 28, 2021 – June 1, 2021.

 

Will the Core System Upgrade change how I use CALL24 Telephone Banking System?

Yes, you will now be asked to provide your account number, not your member number. Also, your CALL24 Pin will be reset, on June 2, 2021, to the last 4 digits of your SSN. You may reset your Pin by dialing our toll-free phone number, 1-800-343-6328 and following the instructions provided via recording.

On June 2, 2021, we will begin offering a Spanish language option within the CALL24 Telephone Banking System. Please call 1-800-343-6328 and follow the instruction provided via recording.

 

Will Online and Mobile Banking be available during the Core System Upgrade?

No, you will not be able to access Online Banking via a website browser or Mobile Banking via ACCU’s Mobile Banking App between May 28, 2021 – June 1, 2021. All services provided within Online Banking or Mobile Banking will not be available.

 

Will Bill Pay Services be available during the Core System Upgrade?

No, you will not have access to Bill Pay Services between May 28, 2021 – June 1, 2021. You will not be able to schedule new payments, cancel or stop payments, and edit/add payees. Any payments set up by May 28, 2021 before 1:00PM PST will process as scheduled.

 

Will my Recurring Transactions be affected by the Core System Upgrade? 

If you have a recurring transaction set up between May 28, 2021 – June 1, 2021 the transaction will process when online banking comes back online.

 

Will my Online and Mobile Banking Login change during the Core System Upgrade?

No, If you are a Personal Member your Online and Mobile Banking login will not change. You will continue using the same login information on June 2, 2021.

If you are a non-member joint, on a Personal Account, who has created an Online Banking login prior to the Core System Upgrade, then your login credentials will remain the same.

If you have are a Corporate Member you Online and Mobile Banking login will not change. Continue to use the login information for the organization. Please contact your organization’s account administrator or ACCU Account Representative for more information.

 

Will I receive a new ACCU debit card?

No, you can continue to use your current ACCU Debit Card.

 

Will I be able to use my ACCU debit card?

Yes, you should be able to transact as normal during May 28, 2021 – June 1, 2021.

 

Will the Core System Upgrade change how I use my ACCU VISA Credit card?

No, you can continue to use your current ACCU VISA Credit Card.

 

Will I be able to deposit money into my accounts during the Core System Upgrade?

It will depend on how you want to make a deposit. Please plan to make deposits prior to our Core System Upgrade if possible. See information below for various circumstances.

  • ATM Deposits: Deposits made at an ATM between May 28, 2021 – May 31, 2021 will be accepted but will not reflect in a balance inquiry until Tuesday, June 1, 2021.
  • Mobile Deposit: You will not be able to deposit a check using Remote Deposits in ACCU’s Mobile Banking App.
  • Shared Branch: If you regularly deposit at a CO-OP Shared Branch this service will be unavailable between May 29, 2021 – May 31, 2021. As a reminder Monday, May 31, 2021 is a federal holiday. Credit unions, banks and government offices are closed to Celebrate Memorial Day.

 

Will I be able to use a CO-OP Shared Branch during the Core System Upgrade? 

No, you will not be able to use a CO-OP Shared Branch to access your accounts. Some transactions will be available using an ATM. Please note transaction performed between May 28, 2021 – May 31, 2021 will not reflect in a balance inquiry until Tuesday, June 1, 2021.

 

Will I receive my Deposit Statement as regularly scheduled?

Yes, you will continue to receive your Monthly or Quarterly Deposit Statements. If you are signed up for e-Statements you will receive your statements quicker than traditionally mailed statements. If you would like to register for e-Statements follow the steps provided in our blog: How to Activate e-Statements in Online Banking.

 

Will I receive my Loan Bill as regularly scheduled?

No, after our Core System Upgrade your Loan Statement will be referred to as a Loan Bill. If you have no deposit account with ACCU you will receive one loan bill per loan open with ACCU. If you have a Deposit Account with ACCU your statement and cycle will remain the same. If you do not have a Deposit Account with ACCU please refer to the information below.

Beginning June 1, 2021, if you only have a Termed Loan with ACCU and no deposit products, you will receive your Loan Bill 30 days prior to your due date.

Products Include:

  • Auto Loan
  • Signature Loan
  • Adoption Loan
  • Parent Loan

Beginning June 1, 2021, if you have a Line of Credit with ACCU and no deposit products, you will receive your loan bill 28 days prior to your due date.

Products Include:

  • Home Equity Line of Credit
  • Adoption Line of Credit
  • Personal Line of Credit
  • Overdraft Line of Credit

If you would like to register for e-Statements follow the steps provided in our blog: How to Activate e-Statements in Online Banking.

 

Will the Core System Upgrade change any of the features of my Checking Account?

Yes, We are changing our Overdraft Privilege Program and introducing an Overdraft Privilege PLUS Program. Please review the details below:

Effective June 1, 2021 the following changes will apply to the Overdraft Privilege/Overdraft Privilege PLUS Programs (formerly the Overdraft Privilege/Courtesy Pay Programs) and may affect your account:

New Overdraft limits:

  • $200 for Student Checking Accountholders
  • $750 for Basic and Secure Checking Accountholders¹
  • $2,500 for Business/Corporate Checking Accountholders

Maximum transactions/fees per day: The maximum number of Overdraft Privilege and/or Overdraft Privilege PLUS transactions we will process per day is ten (10).  The maximum number of fees that we will charge per day is ten (10).  Please refer to the Fee Schedule for all applicable fees.

All other existing terms and conditions continue to apply. Consumer account members: please refer to the Truth-in-Savings disclosure provided at account opening for full terms and conditions. Business/Corporate account members: please refer to your Account Agreement.  To obtain a copy of the Truth-in-Savings disclosure or Fee Schedule, or for questions regarding ACCU’s overdraft protection programs, please visit the branch office, call us at 800-343-6328, or visit AmericasChristianCU.com/OP.

More information is available including the Opt-In form below in the Overdraft Privilege PLUS section.

¹Includes Sole Proprietors

Overdraft Privilege PLUS

Decide When And How We Cover Your Overdrafts

Effective June 1, 2021

Overdraft Privilege — Checks and ACH Recurring Payments (Bill Payment)

This option comes with your account. ACCU is under no obligation to pay a check or ACH transaction which exceeds the available balance in an account. However, we generally let your checks and online ACH/BILL payments go through for payment. We will overdraw your account up to your pre-approved limit. We will charge a fee of $32.50 per overdraft. If an item is presented for payment multiple times, we will charge a fee each time the item is presented. The maximum number of overdrafts fees that we will charge per day is ten (10). The maximum amount of fees we will assess per day is $325.¹
You do not have to opt-in for Overdraft Privilege protection.

Overdraft Privilege PLUS — ATM Withdrawals and One-Time Debit Card Transactions

When you opt in to Overdraft Privilege PLUS, we may also authorize ATM withdrawals and one-time debit card transactions that overdraw your account. If we do, we will charge an overdraft fee of $32.50 for each overdraft we authorize. The maximum number of Overdraft Privilege PLUS overdrafts processed per day is ten (10). The maximum amount of fees we will assess per day is $325.¹
¹ The total number of fees we will assess per day is for both plans combined.
Compare options with these examples:

With Overdraft Privilege PLUS
Example: You plan to spend $50 at the store using your debit cardExample: You plan to spend $50 at the store using your debit card
Your account balance is: $10Your account balance is: $10
Your transaction is declined because there is not enough money in your account: -$0Your transaction is approved even though there is not enough money in your account: -$50
Overdraft fee: -$0Overdraft fee: -$32.50
Your account balance is: $10Your account balance: -$72.50

You must opt-in to obtain Overdraft Privilege PLUS overdraft coverage. To request Overdraft Privilege PLUS coverage you may contact us in person, in writing, or by telephone to request an Overdraft Privilege PLUS Overdraft Protection opt-in form. You may also obtain a print version of this form online here.

Other Options to Cover Your Overdrafts

You may link an account to lower your fees. You can link a checking account to a savings account or a line of credit. We will transfer funds from the linked savings account or your line of credit to cover transactions that overdraw your checking account. The fee to transfer funds from a linked account or line of credit is $7.50 per transfer.
For more information about these options, please visit our branch or contact us at 1-800-343-6328.

Frequently Asked Questions about Overdraft Protection

What type of overdraft protection does the credit union offer?

Currently members have the option of linking a savings account or line of credit to their checking account. The credit union also provides overdraft protection for NSF and ACH transactions that comes standard with all checking accounts, called Overdraft Privilege. Members also have the option of enrolling in Overdraft Privilege PLUS, which will provide additional overdraft protection for ATM and one-time debit card transactions.

If I opt-in to Overdraft Privilege PLUS will the credit union continue to follow other overdraft methods?

If the member has established other overdraft protection methods, such as a transfer from a savings account or a line of credit, we will always look to cover your overdraft by those methods first before paying an overdraft from Overdraft Privilege or Overdraft Privilege PLUS.

How do you decide which transactions to pay if several transactions are presented for payment at the same time and I do not have sufficient funds to cover all the transactions?

The order in which items are paid is important if there is not enough money in your account to pay all the items that are presented. We will pay transactions in the order presented to the credit union. If multiple checks are presented for payment on the same day checks will be paid in check number order, NOT by amount. This can affect the amount of fees that may be assessed against your account.

What is the difference between my “actual” balance and my “available” balance?

Your actual balance is the beginning of the day balance after the prior evening’s postings. Your available balance is the amount you have in your account at a particular time that is available for immediate withdrawal. Your available balance is updated throughout the day to reflect holds, pending transactions and cleared deposits. The difference between your actual balance and your available balance is the result of pending activity that has not yet posted to your account. We will use the available balance in your account to determine if you have sufficient funds to cover your transactions. Consumer accountholders may refer to the Truth-In-Savings disclosure for a full explanation on how account balances are determined.

If I authorize a payment to a vendor by providing my checking account number and the credit union’s routing number, is that the same as using my debit card?

No, if you authorize a payment by providing your checking account number, the vendor will typically submit an electronic check or an ACH debit, which is different from a one-time debit card transaction. If you do not have sufficient funds in your account to cover the transaction, we may elect to pay the transaction through our standard Overdraft Privilege program.

If I chose to opt-in to Overdraft Privilege PLUS protection, can I change my option at a later date? Will you continue to pay my checks and ACH transactions if I opt out of Overdraft Privilege PLUS?

Yes, you may opt out of Overdraft Privilege PLUS by contacting the credit union by telephone, mail, online, or in person. You can contact a member service representative by visiting the branch office, calling at 800.343.6328, writing to P.O. Box 5100, Glendora, CA 91740, or emailing us at info@americasccu.com.

If you choose to opt-out of Overdraft Privilege PLUS, we will no longer authorize payment of ATM and one-time debit transactions if you do not have sufficient funds to cover the transaction. We may continue to pay checks and ACH transactions, such as bill payment, up to your available overdraft limit, provided your account is in good standing and you continue to meet the requirements of standard Overdraft Privilege protection.

If I am charged an overdraft fee, is the fee amount included in my overdraft limit?

Yes, the fee does apply towards your overdraft limit.

How can I avoid overdrafts?

The credit union encourages you to properly maintain your accounts with us. The best way to avoid overdrafts is to keep an accurate transaction register and balance it to your monthly statement. There are helpful sources, such as online and mobile banking and Call24, that provide transaction information. Keep in mind, however, that these sources may not reflect outstanding transactions that have not yet posted to your account.

Product Updates

Termed Loan and Lines of Credit

If you have a termed loan or line of credit with ACCU but no deposit products, you will now receive a monthly loan bill even if you have an ACH set up for your monthly payments.

Beginning June 1, 2021, if you only have a Termed Loan with ACCU and no deposit products, you will receive your Loan Bill 30 days prior to your due date.

Products Include:

  • Auto Loan
  • Signature Loan
  • Adoption Loan
  • Parent Loan (Student Lending)

Beginning June 1, 2021, if you have a Line of Credit with ACCU and no deposit products, you will receive your loan bill 28 days prior to your due date.

Products Include:

  • Home Equity Line of Credit
  • Auto Equity Line of Credit
  • Adoption Line of Credit
  • Personal Line of Credit
  • Overdraft Line of Credit
Schedule

Friday, May 28, 2021

  • 12:00AM PST: Online Banking & Mobile Banking Offline
  • 12:00AM PST: CALL24 Offline
  • 8:00AM PST: Core System Upgrade Begins

Saturday, May 29, 2021

  • 8:00AM PST – 5:00PM PST: Core System Upgrade In Progress

Sunday, May 30, 2021

  • 8:00AM PST – 5:00PM PST: Core System Upgrade In Progress

Monday, May 31, 2021 (Memorial Day)

  • ALL DAY: Headquarters, Branch, and Call Center Closed for Federal Holiday

Tuesday, June 1, 2021

  • 8:00AM PST – 5:00PM PST: Core System Upgrade In Progress – Expect delays

Wednesday, June 2, 2021

  • 8:00AM PST – 5:00PM PST: Core System Upgrade In Progress – Expect delays or long wait-times on the phone
  • 5:00PM PST: Online Banking & Mobile Banking – Online
  • 5:00PM PST: CALL24 – Online
  • 5:00PM PST: Core System Upgrade Completed

*All times subject to change without notice. As services become available ACCU will upgrade this webpage with additional information.