Core System Upgrade

Q: WHY IS MIDWEST COMMUNITY FCU UPGRADING ITS SYSTEM?

Banking technology has changed a lot in recent years. The new system will allow us to quickly develop and deploy new features and provide the seamless digital experience our members expect.

Q: IS THE UPGRADED SYSTEM SECURE?

Absolutely! Data security is a top priority for Midwest Community FCU, and we have thoroughly vetted and tested our upgraded systems. Your financial data is safe and sound!

Q: HOW WELL HAS THE UPGRADED SYSTEM BEEN TESTED?

We have been thoroughly testing the new system for many months, and our staff has completed extensive training. As with any new system, there will be an adjustment period, but we are confident we have taken all steps to minimize members’ impact.

Q: WHEN IS THE UPGRADE HAPPENING?

The upgrade is currently scheduled for June 26 through June 28 of 2021.  During the upgrade weekend, Midwest Community FCU branches will be closed.  Online and Mobile Banking will also be unavailable for the upgrade duration. 

Q: WHY DOES THE UPGRADE TAKE THREE DAYS?

Though it seems like a lot, this timeframe is typical for an upgrade of this magnitude. We’re taking the time to ensure our system is running properly before it is made available, which requires extensive testing by our staff. Our teams will be working diligently throughout the weekend to make this happen.

Q: WILL MIDWEST COMMUNITY FCU BRANCHES BE OPEN DURING THE UPGRADE?

No.  All Midwest Community FCU branches will be closed.

Q: WILL BILL PAY PAYMENTS SCHEDULED FOR TBD, BE PROCESSED?

Bill Pay will not be available during the upgrade weekend.  You must schedule any new, non-reoccurring payments needed for the upgrade weekend prior to the upgrade weekend.  Any reoccurring bill payments you currently have set up will process according to your scheduled date.  Bills previously scheduled to pay during the upgrade weekend will be processed as scheduled.  Please remember we never process Bill Pay payments on Saturdays and Sundays.

 Q: HOW WILL THE UPGRADE IMPACT MY LOAN PAYMENTS?

There will be NO IMPACT in processing any automated loan payments during or after the upgrade.

Q: IS MY ACCOUNT NUMBER CHANGING AFTER THE UPGRADE WEEKEND?

No, there will be no change to your Account number.

Q: WILL I STILL NEED TO KNOW MY ACCOUNT NUMBER WHEN I CALL OR VISIT A BRANCH?

Though knowing your Account number can make certain things quicker and easier, we can always look you up by your name or Social Security Number.

Q: WILL MY ACCOUNT SUFFIXES CHANGE?

There will be changes to the Account Suffixes, and they will look a little different.  This change will not affect your account number nor any existing direct deposits or automatic withdrawals.

We recommend giving your accounts nicknames now (e.g., Main Checking, Rental Checking, Vacation Savings, etc.) to differentiate between them after the upgrade.  If you have several accounts of the same type (such as several checking accounts), adding an Account Nickname to your current accounts makes it easier to distinguish between the accounts in the future.  Account nicknames make your account list simpler to read at a glance.

Q: WILL THE MIDWEST COMMUNITY FCU ROUTING NUMBER CHANGE?

No. The Midwest Community FCU routing number will stay the same.

Q: WILL THE BRANCH STILL ASK FOR MY IDENTIFICATION?

Yes. For your added protection, we may scan your license or other identification the next time you visit a branch. After your identification is scanned, we will be able to identify you faster and prevent unauthorized activity.

Q: WILL STATEMENTS BE CHANGING?

For the most part, your statements will look very similar.  Due to the upgrade happening mid-way through the month, the listing of transactions in your statement after the upgrade will look slightly different.

Q: WILL E-STATEMENTS BE CHANGING?

For the most part, e-Statements will not change. The exceptions are the same as those for paper statements (see previous question).

Q: WILL I GET A NEW DEBIT CARD OR CREDIT CARD AFTER THE UPGRADE?

No. Debit and Credit Card numbers will not change, and your cards should continue to work normally, even during the upgrade weekend.

Q: WILL MY DEBIT OR CREDIT CARD PIN CHANGE?

No. Your Debit and Credit Card PIN will remain the same. You may continue to use your current Debit and Credit Card PIN without interruption.

Q: IS BILL PAY CHANGING?

Bill Pay remains pretty much the same within Online Banking. All of your payees’ scheduled payments will still be intact.

Q: WILL I NEED TO SET UP MY PAYMENTS AND PAYEES AGAIN?

Your current payees’, scheduled payments, and history will be just as it is today.

Q: WILL MY DIRECT DEPOSIT OR PAYROLL DEDUCTION BE AFFECTED BY THE UPGRADE?

Any automatic deposits into your account, including Direct Deposit or Payroll Deduction, will not be affected by the upgrade. They will continue as scheduled.

Q: WILL I NEED NEW CHECKS?

Since account numbers are not changing, your checks will continue to work as normal. You can use any remaining checks you have without needing to reorder. You can also write checks during the upgrade without worry.

Q: WHAT WILL HAPPEN TO MY ACCOUNT HISTORY?

Your transaction history on all accounts will be available in the new system. You’ll be able to see up to 12 months of account history for both deposit and loan accounts in online banking.

Q: IF I NEED ADDITIONAL HISTORY, HOW CAN I GET IT?

If you need additional history, give us a call, and we’d be happy to retrieve that for you.

The way you access the “login” to MCFCU Banking through our website will not change.  You will continue to use the Online Banking login link available on the homepage at midwestcommunity.org.  However, the URL will change, so don’t forget to update your bookmark for your next visit.

The step-by-step process is quick and simple.  Recommended web browsers are Chrome, Edge, and Firefox. You will need to have the following information to enroll:

• Account Number
• Social Security Number
• Date of Birth

Make sure you have your account number on hand for this step.  If you don’t know your account number, please contact us before Saturday, June 26, 2021. You can also reach us again on Tuesday, June 29, 2021 to obtain your account number.

STEPS TO ENROLL:

Step 1:   Go to midwestcommunity.org.  Then click “Sign In.”

Step 2:   Click “Enroll”

Step 3:  Enter your:

• Account Number
• Social Security Number
• Your Date of Birth

Step 4:  Choose a username and password by following the required specifications listed.

Step 5:  Click to agree to the terms and conditions and then click the “I’m not a robot” box.

Step 6:  Click “Submit,” and you’re done.

You are now enrolled in Midwest Community’s new online banking system!

On Tuesday, June 29, existing mobile banking members will need to delete the old app and download the new version from the App Store or Google Play Store.

Logging in is easy:

Step 1:  Delete the old app from your phone.  Then, go to the app store or google play store—type in “Midwest Community FCU” in the search bar.  Select “MC Mobile Banking” with the Midwest Community logo to download the new app.

Step 2:   Once installed, open the new mobile banking app and then click “Enroll.”

Step 3:  Enter your:

• Account Number
• Social Security Number
• Your Date of Birth

Then click “continue.”

Step 4:  Choose your username and password by following the required specifications listed.

Step 5:  Click to agree to the terms and conditions, and you’re done

You are now enrolled in Midwest Community’s new mobile banking app!

Because our upgraded system is person-centric, not account-centric, the username and password you use to “log in” the first time to the new online or mobile banking will be the one that will permanently be kept.  When you sign in, you will see all of your accounts, and you no longer need to have multiple usernames and passwords for your multiple primary accounts.

This is one of the most significant differences with the new system.  All members, primary and joint, can now create an online banking login for their SSN.  Every person can get their own unique username and can have their own access to any account they can transact business on; joint accounts, kids accounts, business accounts, etc.  Joint and single accounts will all show up under YOUR OWN USERNAME.

• If you have multiple account numbers where you are the primary owner, all accounts will now appear behind a single username.
• If you are primary on one account number and joint on another, they will now also appear behind a single username.
• If you are solely a joint member, you can now have your own username and will only see those specific accounts where you have a joint role.