Upgrading For You

Welcome to Upgrade HQ - Stay Up to Date

This page is your go-to spot for all the latest updates on our system upgrade. We’ll share important dates, what you can expect during the transition, and tips to make the process as smooth as possible for you.

We’re upgrading behind the scenes to bring you a better, more streamlined banking experience. Our core system, the technology that powers how we serve you, is getting an exciting upgrade to improve how we support your financial goals.

What This Means for You

This upgrade is all about creating a brighter future for our members, with:

  • Enhanced features to simplify your banking.
  • Faster and more reliable services.
  • A seamless experience, whether you're in a branch, online, or on the go.

Make sure you're ready for the conversion! Download our system upgrade resources below.

Upgrade Checklist

Upgrade Timeline Calendar 

Bill Pay Update: Bill Pay is Staying!

We heard you—and we truly value our members’ feedback.

Even though only a small percentage of members actively use Bill Pay, we understand how important this service is to those who rely on it. That’s why we’ve been diligently working behind the scenes to find a solution that works with our upgraded core system—and we’re happy to announce that Bill Pay will continue to be available after the conversion!

While the new service may not be ready exactly on August 4, we are working with our new Bill Pay provider to make it available as soon as possible. We'll keep you updated on timing as we get closer to go-live.

Important:
Even though Bill Pay is continuing, your current payee information will not transfer. Please be sure to save or screenshot your payee details before July 25 so you're ready to re-enter them in the new system.

We’re grateful for your feedback—and your patience—as we work to bring you a better, more flexible system that supports your needs.

Key Dates to Know

Friday, August 1 – Sunday, August 3, 2025
Our branches will be closed for conversion.
Internet & mobile banking will be unavailable.

Monday, August 4, 2025
Our upgraded system, FLEX, goes live!

May 31, 2025
Money orders will no longer be offered.

July 25, 2025
Last day to download any past eStatements.

July 25, 2025
Pay Anyone (P2P) and Bank-to-Bank transfers (A2A) will be discontinued. Our new mobile banking app will offer an A2A transfer feature! We’re still finalizing the details of how it will work, and we’ll share more information as soon as it’s available.

Questions? We’re Here to Help!

Our team is committed to keeping you informed and supported throughout this journey. If you have questions, reach out to us at 1-800-533-0448, email [email protected] or stop by your local branch—we’re happy to help!

Together, we’re building a better banking experience for you and our community. Thank you for being part of this exciting change!

Frequently Asked Questions (FAQs)

Your go-to guide for everything you need to know about Accentra's system upgrade.

Download the Full FAQ Booklet

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Access & Login

Q: How will I log in to the new internet banking system?
A: Starting on Monday, August 4th, you’ll log in by selecting “Forgot Password” on the login screen. Your username will be your 6-digit account/member number. Please do not use the number from your checks or your debit/credit card—those are different. For your security, we cannot provide your member number over the phone. If you’re unsure of your 6-digit member number you can find it on:

  • A previous statement
  • Your laminated membership card

  • Or, stop by any branch location for help.

Q: Will I need to download a new mobile app?
A: Yes. Our current app will be replaced. Instructions for downloading the new app will be shared as we get closer to go-live. You will be able to download our new app on or after Monday, August 4th.

Q: Will I need to re-enroll in online banking?
A: No full re-enrollment will be required, but you may need to update your password and verify your identity when logging in for the first time.

Accounts & Information 

Q: Will my account number or routing number change?
A: Your main account number(s) and our routing number will stay the same. However, all account suffixes will change.

Q: Will I need to order new checks after the upgrade?
A: No—your current Accentra checks will still work as usual. You do not need to reorder checks. Everything will continue to process correctly after the upgrade.

Q: Will I still have access to my old statements or check images?
A: Past eStatements will not transfer. June 2025 will be the final statement available in the current system. We recommend downloading any statements you may need before July 25th 2025.

  • July 31st Statements:
    Everyone will receive their final pre-upgrade statement by mail—there will be no July 2025 eStatement version available. 

Need a copy after the upgrade? Just stop by any branch, give us a call, or ask us to securely email you a copy.

Q: Will all my account history carry over?
A: No, your transaction history will not transfer to the new system. Starting August 4, you'll only see transactions going forward from that date. However, Accentra staff will still have access to your previous account history if you need help looking something up—just give us a call or stop by.

Q: Is my information safe during the upgrade?
A: Yes—your personal and account information remains secure throughout the entire upgrade process.

We take data security seriously, and every step of this system transition is being handled with strict safeguards in place. Our upgraded core system meets industry standards for privacy and protection, just like the one it’s replacing.

While the look and feel of some services may change, your information is protected every step of the way.

Bill Pay, Transfers & Payments 

Q: Is Bill Pay going away?

A: No—it’s staying! We heard our members, and we know that even though Bill Pay is used by a smaller group, it’s incredibly important to those who rely on it. We’ve found a new Bill Pay provider that works with our upgraded system, and we’ll continue offering this service.

While it may not be ready on Day 1 (August 4), we’re working with the vendor to make it available shortly after. We’ll keep members posted on when it’s ready to set up.

Q: Will my Bill Pay payees and scheduled payments carry over?
A: Your current payee details will not transfer, so please save or screenshot that information before July 25. You’ll need to manually re-enter your Payees once the new service becomes available.

Here’s what to save:

  • Bill Payee Name (e.g., Utility Company ABC)
  • Account Number (e.g., ABC123456)
  • Amount Owed (e.g., $100.00)
  • Due Date (e.g., 8/7/2025)
  • Payee Phone (e.g., 123-456-7890)
  • Payee Address (e.g., 123 Utilities Ln, Austin, MN 12345)

Q: I’m not tech-savvy. Can someone help me set it up?
A: Absolutely! Give us a call at 800-533-0448 or stop by a branch. We’re happy to walk through it with you and make sure you're comfortable with the new setup.

Q: What exactly is “Bill Pay” and how do I know if I’m using it?
A: Accentra’s Bill Pay is a feature you access by logging into online banking and clicking the “Bill Pay” tab. If you’ve used that tab to set up companies or vendors to receive payments (like utilities, phone, insurance, etc.), you’re using Bill Pay.

If you click “Bill Pay” and don’t see any Payees listed, you’re likely not using Bill Pay, and instead may be using another payment option—like an ACH payment set up through us or directly through a service provider. 

If you're unsure which method you're using, please contact us. We’ll be happy to help clarify and guide you on next steps.

Q: I pay rent on the 1st - what should I know about the upgrade weekend?
A: If you typically pay rent on the 1st and rely on your paycheck to cover that payment, please note: Accentra will be closed August 1–3, and online/mobile banking will be unavailable during that time. If your payroll normally deposits on Friday, August 1, those funds may not be available until Monday, August 4.

We strongly encourage you to talk with your landlord ahead of time and explain the situation. If needed, we have a letter you can share with your landlord explaining the temporary delay. To request one, please call us at 800-533-0448 or visit your local branch.

Q: What happens to recurring transfers and external transfers?
A: Scheduled transfers and external account connections (bank-to-bank) will not transfer. We recommend documenting your transfer details before July 25th at 3:00pm.

Q: Is P2P (Pay Anyone) going away?
A: Yes, our current P2P (Pay Anyone) service will be discontinued after July 25, 2025. We recommend using trusted third-party apps like Venmo, PayPal, Apple Pay, or Google Pay going forward.
Please note: Any P2P transfers scheduled after July 25th at 3:00pm will not be processed.

Q: What about Bank-to-Bank (A2A) transfers?
A: Our existing Bank-to-Bank (also called Account-to-Account or A2A) transfer service will also end after July 25, 2025. To ensure processing, complete all transfers by July 25th at 3:00pm.

The good news? Our new internet and mobile banking system will include an A2A feature! We’re still working out the details and will share more information as soon as it’s available.

In the meantime, if you depend on A2A transfers and need help planning ahead, please reach out—we’re happy to assist.

Debit/Credit Cards & ATMs 

Q: Will my debit or credit card still work during the upgrade?
A: Yes, but debit cards will operate in 'stand-in mode' from August 1–3 with limits on transactions.

Q: What is “stand-in mode” and how does it affect my card?
A: During the upgrade, debit cards will operate in what’s called stand-in mode. This means transactions will still be authorized, but they’ll be based on limited account information. In this mode, we temporarily lower spending limits to ensure continued card functionality and prevent overdrafts.

You can withdraw cash up to $300/day at an ATM and spend up to $300/day (combined $600/day limit). Transactions above this will be declined. Please take out any cash you need for the upgrade weekend prior to July 31st.

Q: Will my daily limits change during the conversion?
A: Yes. Daily limits for ATM withdrawals and purchases will be reduced. These will return to normal on August 4.

During the upgrade weekend, August 1st-3rd your debit card usage limit is as follows:

  • You can withdraw cash up to $300/day at an ATM and spend up to $300/day (combined $600/day limit). Transactions above this will be declined. Please take out any cash you need for the upgrade weekend prior to July 31st.

Q: What do I do if I need to spend more than the limits set in place during the Upgrade weekend?
A: If you anticipate needing access to more funds during the Upgrade weekend, we recommend planning ahead by withdrawing cash prior to July 31st.

You may also want to apply for an Accentra Visa® Credit Card in advance to use as a backup during this time. In order to have this as a backup during upgrade weekend please apply by July 1st, 2025.

Q: Will my card numbers or PINs change?
A: No. Your card numbers and PINs will remain the same after the upgrade. You can continue using your current card numbers and pins without interruption.

Q: Will ATMs still be working during the upgrade?
A: All Accentra ATMs will be down August 1–3. Use surcharge-free Kwik Trip ATMs in your area instead. However, debit cards will operate in stand-in mode, meaning daily spending limits will be temporarily reduced. Please refer to our Upgrade Timeline here.

Branch & Service Availability 

Q: Will branches be closed during the upgrade?
A: Yes. All Accentra locations will be closed on Friday, August 1 and Saturday, August 2 to complete the conversion. Download our Upgrade Week Timeline here.

Q: Will internet and mobile banking be available during that time?
A: No. Internet and mobile banking will be unavailable during the upgrade weekend. For lost or stolen cards, call 1-800-472-3272.

Q: Can I still call the credit union for support?
A: Our branches and call center will be closed during the upgrade weekend, August 1st through the 3rd. Support will resume when branches reopen on Monday, August 4. In the meantime, we recommend reviewing our Upgrade HQ for answers to common questions.

Timeline & Transition

Q: When is the upgrade happening?
A: The upgrade takes place August 1–3, 2025. Service returns on August 4th.  Download our Upgrade Calendar Timeline here to understand closures, service availability during the upgrade week and more.

Mark your calendar for Thursday, July 31—this is the last day to access internet banking and withdraw cash before our system upgrade weekend begins. We encourage you to plan ahead and take care of any important transactions before that date.

Q: What should I do to prepare?
A: Download our Upgrade Checklist here.

  • Review and update your contact information in online banking
  • Know and write down your 6-digit member/account number, you will need this to login into the new internet banking system. Do not use the number from your checks or your debit/credit card, those are different. To find your 6-digit member/account number check a previous statement, your membership card, or stop in to a branch and we will assist you.
  • Save your Bill Pay payee list and scheduled payments
  • Download and save any statements needed prior to July 25th (June 2025 will be the last eStatement available)
  • Make any necessary transfers ahead of time, prior to July 25th at 3:00pm
  • Write down any Pay Anyone (P2P) or bank-to-bank transfers (A2A) you currently have set up
  • Note downtime for Internet & Mobile banking
  • Withdraw any cash you may need before July 31, as services will be down August 1–3
  • Know your account balances as of July 31st, as you won’t have access to check during the upgrade weekend
  • Download our Upgrade Timeline Calendar here.

Don’t wait until the last minute!
Complete your upgrade checklist well before July 31st to avoid disruptions. Prepare early!

As a backup payment option, we recommend using your Accentra Visa® Credit Card during the upgrade weekend. You can also use it to access funds through cash advances.

  • To set up a PIN for cash advances on your Accentra Visa Credit Card, call 888-776-8615
  • For more information and questions about cash advance options, speak with an Accentra representative.
  • Apply for an Accentra Visa® Credit Card here.
    Note: To receive your card in time, you must apply by July 1, 2025

Q: Will I be able to check my balance during the upgrade?
A: No. You won’t be able to view account balances using online or mobile banking from Friday, August 1 through Sunday, August 3. We recommend reviewing your accounts before the weekend and keeping track of your spending until services resume on Monday, August 4.

Q: Will I receive reminders?
A: Yes! We’ll provide updates through email, our website, direct mail, in-branch materials, and social media.

Understanding the Upgrade - General Questions & Support

Q: What is a core system?
A: A core system is the behind-the-scenes technology that powers nearly everything we do at the credit union. It processes transactions, manages your accounts, handles payments, and keeps all the parts of your banking experience running smoothly.

Q: What is a core conversion?
A: A core conversion is when we upgrade or replace the main system that processes all of our member transactions, loans, accounts, and more. It’s one of the most important projects a credit union can take on, and it helps ensure we can continue providing reliable, secure service to our members.

Q: How does this affect Accentra employees?
A: Our team has been training behind the scenes and working hard to prepare for the new system. During the conversion weekend, our employees will be focused on making sure everything transitions smoothly and is ready for members when we reopen. We appreciate your patience while our team works through this important change!

Q: Why is Accentra upgrading its system?
A: Our current core system is being phased out, so it’s time for an upgrade. We’ve chosen a more modern and efficient platform that will support our day-to-day operations and help us serve members more effectively.

While you may not see major changes right away, this upgrade is an investment in our future—allowing us to streamline processes, improve security, and maintain strong value for our members over time.

Q: Who can I contact if I have questions or need help?
A: We’re here to help before, during, and after the upgrade. You can:

Please note: Our call center will be unavailable August 1–3 during the upgrade weekend. After the upgrade, we expect higher-than-usual call volumes, so we appreciate your patience as we work through any issues that arise. Whenever possible, feel free to visit a branch for in-person support.

Q: What if something isn’t working right after the upgrade?
A: In the first week or two following the upgrade, you may notice some hiccups or delays as we adjust to the new system. While we’ve prepared extensively, some disruptions are expected—and we’ll be working hard to resolve them quickly.

Please be patient with our team as we navigate this transition. We're committed to supporting you every step of the way.

For updates and transparency, keep an eye on our website and social media channels, where we’ll share the latest information.

Heads-Up - What Services are Changing

A few services are being retired or replaced as part of our upgrade—see what to expect and how to prepare.

Q: Are money orders still available?
A: As of May 31, 2025, money orders will no longer be offered. Members can use alternatives such as cashier’s checks or bill pay through online banking.

Q: Is Pay Anyone (P2P) going away?
A: Yes. Our Pay Anyone (P2P) service will be discontinued after July 25, 2025. We encourage members to use alternative apps such as Venmo, PayPal, Apple Pay, or Google Pay.

Q: What about Bank-to-Bank (A2A) transfers?
A: Our current Bank-to-Bank (also called Account-to-Account or A2A) transfer service will no longer be available after July 25, 2025. If you use this feature, please plan ahead and explore alternative options. We’ll be sharing details soon about a new A2A feature in our updated online & mobile banking app.

Q: What’s happening to the Money Management tool?
A: The Money Management tool currently found in online and mobile banking will no longer be available after July 31, 2025. If you rely on this tool to track budgets or spending, we recommend saving any important data before the conversion.

Good news: If you use third-party tools like Quicken/Intuit, those will still be supported in our new system.

Q: Will any services be temporarily unavailable during the upgrade?
A: Yes. Internet and mobile banking will be unavailable during the upgrade weekend, August 1–3, and branches will be closed during this time. Full access will return when we reopen on Monday, August 4th.

Q: Will I still be able to access my Bill Pay payees and scheduled payments?
A: Your current payee details will not transfer, so please save or screenshot that information before July 25. You’ll need to manually re-enter your Payees once the new service becomes available.

Q: Will past eStatements still be available?
A: Past eStatements will not transfer to the new system. June 2025 will be the last statement available in our current system. We recommend downloading any important statements before Friday, July 25th.

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