Plan Ahead for Temporary Downtime
Core Banking System Migration
Beginning July 2, 2025 we will be upgrading our core banking system to better serve you.
This new platform will enhance your overall experience by improving processing speeds and streamlining integrations across our digital services.
While most of these backend improvements will happen behind the scenes, you may experience brief service interruptions between July 2–7, 2025, as we complete the migration.
Plan Ahead for July 2–7, 2025
Over the coming weeks, we’ll be reaching out through email, Online and Mobile Banking, and push notifications to keep you informed.
We’re here for you every step of the way, committed to making this migration as seamless as possible—while keeping you in the know.
Important to Note
Members who share account login credentials will be able to see all the accounts tied to the primary account’s Social Security number (SSN), Tax Identification number (TIN), or Employer Identification number (EIN). This change means logins will now be tied to individuals or businesses, simplifying your account view into one dashboard.
What’s Changing
You’ll see an enhanced account view, starting July 7, 2025. Your Digital Banking dashboard will display all your accounts — including joint accounts — in one streamlined view for easier access and clarity.
Rest Assured
Your debit and credit cards will continue to work, but Credit Union of Georgia ATM functionality and access may be limited during this time.
Key Dates to Keep in Mind
Transfers scheduled to take place July 4 – 6, 2025, will be processed on July 7, 2025. You’ll have full access to make transactions once again, on the morning of July 7, 2025.
If you don’t have your own log-in already – consider creating one after the migration on July 7, 2025, to manage the view of your accounts independently. You will be able to see all your accounts and the accounts you are listed as joint on under one login after the migration.
Zelle will become temporarily unavailable the afternoon of July 3, 2025. On July 7, 2025 you will need to add your contacts, payees and re-enter scheduled transfers. Your account history will no longer be available and will start fresh. We encourage you to take note of important account information prior to July 3, 2025 so you can easily re-enter it on July 7, 2025. This includes downloading any records you may need prior to the system migration to avoid losing all your historical information like your Zelle payment history, contacts and payees that you might need later.
Otherwise, branches will reopen on July 7, 2025, to assist you with any transactions. This includes large deposits and withdrawals.
Like additional cash or your Credit Union of Georgia Credit Card. Digital Banking including all its services on desktop and mobile will be unavailable.
Login Credentials: Your Digital Banking login credentials will remain the same.
Checks, Debit, and Credit Cards: You can continue using your same checks, debit, and credit cards. Account, routing, and checking numbers will not change.
Direct Deposits and Withdrawals: These will continue without disruption if they were set up prior to the migration.
Core Banking System Migration FAQs
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The core banking system is the centralized software technology of the Credit Union that manages day-to-day operations. By upgrading our core system, you can expect faster processing reliability and improved integration to accommodate our future growth.
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The official migration to the new Core Banking System will start on Wednesday, July 2, 2025, and will be completed on Monday, July 7, 2025.
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Yes, your accounts remain secure and will continue to be insured by NCUA for up to $250,000 per individual account holder. Refer to ncua.gov for more information.
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Yes, the security of your personal data and account information are safe and secure and remain our top priority.
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Deposits will be processed without interruption, however, if they are not processed by 5 pm on Thursday, July 3, 2025, some deposits may not be reflected on your account until Monday, July 7, 2025. This includes other forms of ACH account payments like Square payroll deposits that are tied to you account number.
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No, your current card number and PIN will remain the same. However, you will not be able to do balance inquiries at an ATM beginning at 2 pm on July 4, 2025, until 9 am on Monday, July 7, 2025.
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Yes, your debit card will work during migration. Due to Digital Banking being unavailable over the weekend, we encourage you to carry an extra form of payment, like additional cash or a Credit Union of Georgia Credit Card.
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Yes, there will be no impact to your credit card during migration.
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On July 4 – July 6, 2025, automated payments scheduled to be paid over the weekend will be processed on July 7, 2025.
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No, MARS will not be available during the migration. You can resume access on July 7. 2025. You will need to reset your pin number.
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Yes, when you call on or after July 7, 2025, to access your accounts, you will need to set up a new password/PIN.
Digital Banking FAQs
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No, your Digital Banking (online banking and mobile app) login credentials will stay the same.
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On July 4 – July 6, 2025 Digital Banking (desktop and mobile app) will be temporarily unavailable. You will be able to resume using the Mobile App the morning of July 7, 2025. You will not need to redownload the Mobile App.
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This service will be temporarily unavailable beginning at 2 pm on July 4, 2025. We recommend you download a back-up of your historical information for reference.
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On July 3, 2025, at 12 pm Zelle will become temporarily unavailable. This includes the ability to receive payments during the downtime window. You will need to re-enroll in Zelle on July 7, 2025, once the migration is complete. To avoid losing important historical information such as your transaction history, contacts, and payees, we encourage you to download any necessary records before the system migration.
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Beginning at 12 pm on July 2, 2025, Bill Pay will be temporarily unavailable. Bill Pay will continue to make scheduled payments; however, you will not be able to make changes or add any payments into Bill Pay until July 7, 2025. Your transaction history, scheduled transfers and payees will migrate to the new system.
