System Upgrade

Cartoon frog pointing to text: 2019 System Upgrade

Woohooo! We made it!

Our system upgrade is up and running, and we very much appreciate your patience (and support!) throughout this process. We know this upgraded system will greatly enhance your overall experience with Linn Area Credit Union. The more familiar you become with our upgraded system, the more we know… you’ll flip for it!

I’d like to know about…

Use these links to hop around the page to whatever interests you the most!

(VIDEO) A message from our President/CEO
The benefits of the new system
System Upgrade 101
After the upgrade
Online & mobile banking
Online & mobile banking Q&A
(VIDEO) Online Banking: How to Enroll
NEW! (VIDEO) Mobile Banking: How to Enroll
NEW! Online & mobile banking troubleshooting
NEW! How to access your eStatements
A new look for your statements
NEW! How to read your new statement

A Message from our President/CEO

Linn Area Credit Union President/CEO Jenny Lorenz gives you the scoop on the benefits you'll enjoy with our system upgrade, which took place on July 1, 2019. (Seriously, you'll flip for it!)

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The benefits of the new system

Here are just a few of the improvements you can look forward to:

  • More efficient “member-centric” transaction processing that will enable our staff to provide you with a higher level of personalized service
  • Modernized online banking and mobile technology that will update your account balances and transactions in real time and adapt to your changing financial needs
  • The ability for us to exchange information securely and electronically, providing you the convenience to share documents, open accounts, and apply for loans from the comfort of your home or wherever you have secure access to the internet

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System Upgrade 101

Your member number will not change. If you have a current member number with us, it remains the same. The new system is “member centric” which means that each person is identified by their Social Security number. If there is a joint member on an account, they have access to the account by using their own Social Security number.

Linn Area Credit Union’s routing number will stay the same. It’s still 273972897.

Your checks will still work. (Yes indeedy-do!)

There will be no change to your debit or credit card numbers. Your cards will work as usual.

The new system is very secure! Online and mobile banking use a two-factor identification method with enhanced authentication. We’ll be able to send you authentication codes via text message, email, or phone call, and the code must be input before gaining access to your account. (It’s very effective at preventing fraud and identity theft!) If a questionable log-in attempt is detected, the system will require additional identity verification before allowing access.

Your statements will look different, but they’ll still include the important information, such as deposits, withdrawals, loans, and ATM withdrawals.

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After the upgrade

I get my paycheck deposited directly into my account. Will that stay the same?
Absolutely! If your paycheck, Social Security check, or any other income is directly deposited to your account, that will still occur!

Will my scheduled Bill Pay payments still occur?
Yes. Payments and other withdrawals you have set up in Bill Pay will post to your account as usual. (Whew!)

Will my automatic payment to a loan or into an account at a different financial institution continue as scheduled?
Yep! If you have automatic transfers that go to an account or loan somewhere other than Linn Area, those transfers will still go through.

Will scheduled automatic payments to my Linn Area Credit Union loan(s) and credit card continue after the upgrade?
Yes! If you have a recurring loan or credit card payment set up, that will still happen with the new system. We encourage you to check it out when the new system is up and running!

Will scheduled automatic transfers to my Linn Area Credit Union savings account continue after the upgrade?
They will. If you currently have funds scheduled to automatically transfer between Linn Area accounts, the transfers will still occur with the new system.

Should I review my automatic payments and transfers to make sure?
That’s not a bad idea. We recommend that you look at your account to become familiar with the new online banking. If you see anything you need help with, please let us know as soon as possible, and we’ll get you taken care of.

Can I still schedule automatic payments to my Linn Area Credit Union loan?
You bet! You can schedule automatic payments to any Linn Area loan from your savings or checking account.

Can I still schedule automatic transfers to my Linn Area Credit Union savings account?
Yes. You can schedule funds to automatically transfer to and from any Linn Area savings or checking account you’re authorized to access.

Are you still going to offer Live Chat?
You bet! The look and functionality of our Live Chat will be completely modernized. (Woot!)

Will the Audio Response Teller still work?
Yes. You will still be able to access the Audio Response Teller, aka ART.

Will there be a change to how I make ATM deposits?

Will I have additional options for making my mortgage payment?
Oh, we’re soooo glad you asked! With the upgraded system, you’ll be able to make your mortgage payment using online and mobile banking. (Happy dance!)

Is the online loan application changing?
Yes, except for the mortgage loan application. Our new online loan application will be much easier to use! Plus, the loan application will adjust size and layout depending upon the device you’re using, so it will be way more user-friendly if you’d like to apply on the fly.

Will there be changes to the loan process?
That’s up to you! With the enhanced security of the new system, we’ll be able to offer more options for doing things (like signatures and document exchanges) electronically. So if you’re up for that, we’ll be happy to oblige!

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Frog holding laptop displaying online banking site

Online & mobile banking

What’s new? Everything! (And it’s all good!) Your first glimpse of newness is the online banking portal. which has been refreshed with lingo that’s more familiar to you. Instead of calling it eBranch, we’re now simply referring to it as online banking. And now the eBranch Access ID (aka Logon ID) is just called Username. And we’re calling the Security Code… Password! (Just like you do! Yaaaay!) You’ll also notice that the portal has two fields: one for the Username and another for the Password.

You’ll have to re-enroll so you can enjoy the convenience of our new online and mobile banking. (It’s easy to do, though!) Just go to the online banking access portal. (The blue tab on the left.) Under the Log In button, click on Enroll Today and follow the easy step-by-step instructions. You also have the option to re-enroll using the mobile app. (Just be sure you get the updated app first!)

Beyond the portal, you’ll find a sleek, modern design that’s easy on the eyes and even easier to navigate. And sooooooo much faster! Plus, your balances will be available as soon as you log in. (No waiting… waiting… waiting!)

Online banking will have expanded capabilities. For example, you’ll be able to place an order for checks right in online banking.

With the new system, you’ll have access to 18 months of transaction history, as well as six months of eStatements.

If you’re a MyMoola user, you’ll be glad to know our new money manager is fully integrated in both online and mobile banking. You’ll find it by clicking on the BUDGETING tab. And, yes, all of your MyMoola savings goals, accounts, and history (and then some!) will be pulled over into the new system. (Woohoo!)

And if you don’t currently use our personal finance manager, you’ll want to use our new one! (Seriously. Knowing where your money goes is the first step to saving it.) And now that the money manager is accessed simply via a tab in online and mobile banking, developing the good habit of using it will be a snap!

Download our updated mobile banking app! If you do any kind of banking while you’re out and about, you really should get our mobile banking app. (And this new version will be even better than the current one.) If you already have the app, you’ll need to get the update (unless your mobile device is set to update automatically).

Android App Store          Download_on_the_App_Store_Badge_US-UK_135x40

Yes, the mobile deposit feature within the mobile banking app will still be offered! If you’re a first-time user, you’ll need to enroll in mobile deposit if you’d like to deposit checks using your mobile device. (It’s super easy, though!)

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Online & mobile banking Q&A

Why do I need to re-enroll in online banking?
It’s a brand new system! When you meet someone new, you might shake their hand and introduce yourself. This is basically the same thing.

Do joint account holders need to enroll?
If you’re a joint account holder who would like to use online banking, you’ll need to enroll and create your own unique log in.

Can I re-enroll using my mobile device?
Yes. You may re-enroll on a desktop computer, laptop, iPad, or any mobile device.

Do I have to download the new mobile banking app before I re-enroll?
If you want to re-enroll in online banking using the mobile banking app, then yes. If you’re not using mobile banking to re-enroll, you can download the new app whenever is convenient for you. If your mobile device is set to update automatically, you should be good to go!

How do I start the re-enrollment process?
The online banking access portal is the blue tab on the left. Under the Log In button, click on Enroll Today and follow the easy step-by-step instructions.

What do I need to have handy when I re-enroll?
You’ll need your Social Security number and date of birth. You’ll also need access to your mobile device, home phone, or email so that you can receive a temporary identification code to securely verify your identity.

Can I use the same username when I re-enroll?
Possibly, but you’ll have to reclaim it. If your username was FinntheNinja55, more than likely you’ll be okay, since that username probably isn’t in high demand. But if your previous username was hawkeyefan1, and someone else swoops in and grabs it, well, you may have to be hawkeyefan2.

What are the username and password requirements?
The new requirements will be displayed as you go through the re-enrollment process. Just follow the guidelines, and you’ll be all set.

Where can I learn more about using the new online banking system?
We’re planning to create how-to videos that will cover many features of the new online banking system. (Scroll down to the next section for our Online Banking: How to Enroll video.) As soon as the rest of the videos are available, they will also be on the web site.

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Online Banking: How to Enroll

See how incredibly easy it is to enroll in Linn Area Credit Union's new online banking system.

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Mobile Banking: How to Enroll

See how incredibly easy it is to enroll in Linn Area Credit Union's new mobile banking system. (For our tutorial, we use an Apple device. But if you're using an Android device, the experience will be very similar!)

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Online & mobile banking troubleshooting

Why can’t I log in?
We had a lot of members trying to log in at the same time during the launch, so it’s possible you think you enrolled (perhaps after trying several times!) but for whatever reason, something went wrong. Now that it’s settled down a bit, please go to the online portal and click on “Enroll today” to get started.

Why do I have to enter a six-digit code every time I log in?
If you do not have cookies enabled, then our system will not recognize your computer and will ask for the code each time. In order for your device to be trusted, you’ll need to allow cookies so our system can identify your computer. We realize this can be inconvenient, but it’s one of the ways we protect your accounts from fraud.

If you clear your browser history when you log out of online banking, that could also cause the code prompt. Clearing your browser history deletes the cookies that identify your computer, so our system doesn’t recognize your device the next time you log in.

Why don’t my username and password work?
We had a lot of members trying to log in at the same time during the launch, so it’s possible you think you enrolled (perhaps after trying several times!) but for whatever reason, something went wrong. Now that it’s settled down a bit, please go to the online portal and click on “Enroll today” to get started.

It’s also possible you’ve been locked out for too many unsuccessful login attempts. If you think this may be the case, click on “Forgot Password” and create a new password. (Unfortunately, you won’t be able to use the same password.) If that doesn’t work, please contact us and we’ll unlock your account.

I’ve created my new username and password, but I’m locked out. Now what?
After three unsuccessful log in attempts, the system’s security features will lock you out. If that happens, please click on “Forgot Password” and create a new password. (Unfortunately, you won’t be able to use the same password.) If that doesn’t work (because maybe you’ve forgotten your username) please contact us. We’ll be able to tell you your username, unlock your account, and reset your password.

Why can’t I see any of the “Home/Transfers/Bill Pay/Documents…” tabs at the top of the online banking home page?
It’s possible your browser may be zoomed in too far for the tabs to show. If you hold down the control key and hit the “-“ (the minus sign) to zoom out, you should be able to see the tabs.

Why can’t I see Account XYZ when I log into online banking? I used to be able to see it when I logged into my spouse’s account.
Our new system is what we call “person-centric,” which means it’s tied to an individual’s Social Security number. So, when you log into online banking using your Social Security number and birth date, any account you are a primary owner, joint owner, co-signer, or authorized signer will show under your login. If you’re not seeing an account you previously had access to, it’s probably because you are not actually listed as an account holder on that account. We encourage all individuals to create their own personal logins.

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How to access your eStatements

If you were signed up for eStatements before the system upgrade happened, here’s how to see your eStatements in our new system for the first time.

  1. Log into online banking.
  2. Click on the Documents tab at the top.
  3. Read the Electronic Statement Disclosure Agreement.
  4. Click on I Agree at the bottom of the document.
  5. A Document Viewer window pops up. Within this window, you’ll see a place to enter a verification code and a PDF “Test Drive” document. (You may have to scroll to see them!) Read the PDF “Test Drive” and enter the verification code from the document into the verification code field.
  6. Click on the now-activated Verify Code button. Your past six months of eStatements will pop right up!

Now that you can view your past eStatements, you should double check to make sure you’ll continue to receive eStatements. Follow these easy steps!

  1. In the blue bar right above eStatement, you’ll see a hamburger icon. (Yep, those three little lines.) Click on that.
  2. In the pop-up menu, click on My Profile.
  3. At the bottom of the pop-up window, you’ll see a Document Delivery Preference field.
    • If it says All by Electronic, you’re all set.
    • If it says All by Paper, click on the arrow at the right and select All by Electronic from the pop-up menu. Then hit Save.

To go back to your eStatements, click on the hamburger icon and select Document List.

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A new look for your statements

Beginning with the July statement that you receive in early August, our mailed statements and eStatements will have a sleek new look that will be easier to read. (See a preview, along with how-to-read tips!)

You’ll still be able to choose the way you receive your statements. Electronic statements are fast and secure, as well as convenient and environment-friendly. (But you’ll still be able to get paper statements if you prefer.)

To enroll in eStatements after the upgrade, simply log in to online banking, select the DOCUMENTS menu tab, and accept the Terms and Conditions.

If you currently get eStatements for an account, you’ll have access to that account’s past six months of eStatements. (Yep, this means you can access statements you received earlier this year.)

We’ll be happy to help you sort out the new statement format. If you can’t quite find what you’re looking for or figure out what something-or-other means, we can help! Just bring your statement to one of our branches or contact us in any way that’s convenient for you.

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One final note

We’re thrilled to bring you this system upgrade! It will ensure that you have an easy, enjoyable, and effective member experience for many years to come. Thank you for being a valued member of the Linn Area family.

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