Although cross-account transfers will no longer be available, you’ll still be able to send money using Member-to-Member (M2M) payments. Plus, after the upgrade, all accounts you’re an owner on will be viewable and accessible in one place—making transfers between them quick and easy.
Important
Update
Our System Upgrade is on the Way!
At MembersOwn, we’re always looking for ways to improve your banking experience. This June, we’re launching a new banking system designed to make managing your money even easier, more secure, and more personalized.
While this system upgrade is a big step forward for us behind the scenes, most members won’t notice many changes to their everyday banking. The upgrade primarily affects the system our staff uses, allowing us to serve you more efficiently and effectively.
Member Benefits After the Upgrade:
- One Login, All Accounts
All accounts you’re listed on—primary or joint—will appear under a single login. No more juggling multiple credentials!
- More Alert Options
Enhanced control and customization of debit card alerts will be available post-upgrade.
- SavvyMoney’s Credit Score
Take advantage of free credit score monitoring and financial wellness tips by enrolling in SavvyMoney’s Credit Score with the upgrade.
- Member-to-Member Transfers
Sending money to other MembersOwn members will be quick and easy—with instant transfers after the upgrade!
Frequently Asked Questions
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Will my login credentials change?
No. You’ll use the same username and password you do now.___________________________________________________________________________
What dates will online and mobile banking be unavailable?
Online and mobile banking will be down from Saturday evening, May 31, until early Monday, June 2. Please plan accordingly.___________________________________________________________________________
Will my debit card still work during the upgrade weekend?
Yes, but with lower limits. ATM withdrawals and purchases will have temporary limits during the upgrade period, and some transactions may post later than usual.___________________________________________________________________________
Will I be able to check my balance at the ATM?
ATMs will remain accessible for withdrawals, but balance information will not be available during the upgrade period.___________________________________________________________________________
Should I take out cash ahead of time?
We recommend getting any cash for the weekend or completing large purchases before Friday evening, May 30.___________________________________________________________________________
Will I need to re-download or update the mobile app?
Possibly. If you’ve enabled auto-updates, your app should update automatically. If not, you may need to update or re-download the app starting June 2. Everyone will need to re-enable biometrics (like Face ID or fingerprint) after the upgrade.
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Will I still be able to see my transaction history?
Yes. A paper statement for the period ending May 31, 2025, will be mailed to all members. If you’re enrolled in eStatements, it’ll also be available online. Your transaction history will continue to be accessible through online and mobile banking after the upgrade.
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What about account numbers—will they change?
Your main account number won’t change, but some suffixes (used for individual sub-accounts) may look a little different. We will ensure everything is in place so your direct deposits and payments continue smoothly.___________________________________________________________________________
Will anything change with how I view joint accounts?
After the upgrade, you’ll see all accounts you’re an owner on—in one place! If you need to update who can view or manage certain accounts, please call or visit us before May 30 to adjust ownership or set someone as a POD (Payable on Death) beneficiary.___________________________________________________________________________
What’s happening to cross-account transfers?
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Will my scheduled transfers post on June 1?
Scheduled transfers set for June 1 will post on June 2 instead.___________________________________________________________________________
What’s happening with text banking and Teledata 24?
Text banking—a service that lets you check balances, recent activity, or transfer funds by texting 531-248-3900—will be phased out after the upgrade.
It’s a tool used by only a small number of members, and we’re streamlining services to focus on more popular options like our mobile app and online banking.
For the same reasons, Teledata 24, our phone-based account information system, is also being phased out.