System upgrade resource page
April 4-7, 2025
We are here for you
Our system upgrade is an enhancement that will bring up-to-date technology, improved security, enhanced services and a better experience for all members.
Upgrading to our new system will provide us with a stronger, more efficient system, giving us the ability to integrate and offer new services to you like never before.
You will mainly notice cosmetic changes to online banking and the mobile app, along with some new and exciting products and services. This project is simply a software and hardware update that manages our credit union functions.
We are here to answer any questions you have regarding our system upgrade and provide guidance.
Phone: 816-325-6900 or 800-580-9303
Branches
1111 E. 23rd St., Independence
8730 E. 63rd St., Raytown
724 North Belt Hwy., St. Joseph
1105 W. Dennis Ave., Olathe
Please call us if you have any additional questions after reading through this page.
To-do list: Complete before April 4
Our team and partners are working diligently to make our system upgrade as seamless as possible for you.
There are a few items we need your help with to make the transition a success. Before the transition weekend, Friday, April 4-Monday, April 7:
- Review your contact information, please update all out-of-date information. You can do this by logging into online banking, the mobile app or by visiting or calling a UCCU branch.
- Have cash on hand. Transaction limits for ATM withdrawals and card purchases will be limited during the system upgrade. Ensure your weekend activities will not be affected by getting cash ahead of time.
- Note our new credit card policy. For credit card statements, interest will no longer be applied to the balance on the cycle date, but instead be applied upon payment.
- Schedule bill payments and transfers before April 4 or after April 7. Payments and transfers scheduled before April 4 will process normally. However, if you have anything scheduled to pay or transfer during the system upgrade, it will not process until Monday, April 7. We recommend avoiding payments during this time period to prevent disruptions.
Upgrade timeline: Mark your calendar: Friday, April 4-Monday, April 7
Rest assured, throughout the upgrade weekend, your money, accounts and loans remain safe and secure. Please refer to the chart below for service availability. Delays may be possible on Monday, April 7.
√: Open/available
!: Limited access
X: Closed/unavailable
| Service | Friday, April 4 | Saturday, April 5 | Sunday, April 6 | Monday, April 7 |
| Branches (lobbies & drive-thru) | √ | X | X | √ |
| CO-OP shared branches | √ | X | X | √ |
| Debit cards & credit cards |
√ until 6 p.m. ! after 6 p.m. |
! | ! | √ |
| ATMs |
√ until 6 p.m. ! after 6 p.m. |
! | ! | √ |
| Online banking & bill pay |
√ until 6 p.m. X after 6 p.m. |
X | X |
√ Re-enrollment required |
| Mobile app |
√ until 6 p.m. X after 6 p.m. |
X | X |
√ Re-enrollment required |
| Telephone banking |
√ until 6 p.m. X after 6 p.m. |
X | X |
√ Re-enrollment required |
Things to know: Using your account after April 7
Once the system upgrade is complete, there are a few tasks you will need to complete to access your accounts digitally. Please have this information ready: member account number, Social Security number, date of birth, email address and cellphone number.
USERS WILL NEED TO RE-ENROLL IN THESE SERVICES:
Online banking
You will need to set up any alerts you previously had in place with the old system. Your bill pay history will transition over to the upgraded system.
Telephone banking
An updated menu guide will be available on uccumo.com to help you re-enroll.
Online loan payments
Members using our fee-based service will need to re-enroll on our website.
Mobile banking app
Delete the old mobile app from your device. Download the new app (available in the App Store or Google Play), using your online banking login credentials. Find it by searching for 'uccumo'.
New services for you
Check out the new services we will have once our system upgrade is complete!
Online account organization
You will be able to continue tagging transactions to categorize and report them for budgeting purposes and tracking. This will replace MoneyDesktop for those who previously used that tool. Once the upgrade is complete, Quicken users will be able to link their UCCU account through online banking.
Online banking additions
- Account alerts
- Card controls, like lock card, report damaged/missing card, travel notification and request temporary spending limit
- Order checks from Deluxe
- Receipts from branch transactions
- Scam education
Plaid
Securely connect your UCCU account to the apps you want to use, like Venmo, Chime and more! You are in control of choosing whom your data is shared with, for what purpose and for how long. Your data is encrypted and securely shared!
QuickBooks
Business owners can link UCCU to their QuickBooks account to automatically download and categorize transactions, all while using security safeguards like password protection, encryption and audit trails to protect your financial information.
Text banking
Get your balance, transfer money, view recent transactions and pending transactions by texting short commands to our texting hotline! Enroll through online banking.
Zelle (coming mid-May)
Zelle is a simple and quick way to send money between you and your family and friends. Send or receive money to split the cost of a group takeout order or pay the babysitter by using a U.S. mobile number or email address, no matter where they bank. Zelle will be available within our online banking and mobile app!
Digital-issue & instant-issue credit cards & debit cards (coming mid-to-late 2025)
If you lose your card, you can get a digital version to use in your digital wallet (Apple Pay, Google Pay or Samsung Pay). You’ll also be able to replace a lost card instantly by visiting your favorite UCCU branch. Your UCCU credit card and debit card will continue to work normally; these are future features available if and when you ever need them.
FAQ
Q. What is a system upgrade?
A. Our system upgrade is an enhancement which brings up-to-date technology, improved security, enhanced services and a better experience for all members. Upgrading to our new system will provide us with a stronger, more efficient system, giving us the ability to integrate and offer new services to you like never before. You will mainly notice cosmetic changes to online banking and the mobile app, along with some new and exciting products and services. This project is simply a software and hardware update that manages our credit union functions.
Q. Will my branch experience change?
A. No. United Consumers is committed to a five-star service experience each and every time you visit a local branch. Our team will continue to be available to assist you and answer any questions you may have.
Q. How can I be sure my account information will transfer correctly?
A. We have been working behind the scenes for several months to help ensure member data has been verified, balanced, tested and reviewed to confirm accuracy.
Q. Will any of my account numbers change?
A. No. Your savings, checking, money market, CD, IRA, club and youth account numbers will all remain the same. Your Visa® debit card will remain the same and continue to be active before, during and after the system upgrade weekend. Your check information will also remain the same. You will not need new checks. All accountholders may see zeros in front of your account number printed in some places. You will still provide the same account number as before.
Q. Will the system upgrade impact my loans?
A. No. Your auto loan, home equity loan, personal loan, Visa credit card or mortgage information will seamlessly convert to the new system with no interruptions expected.
Q. Why am I now seeing additional accounts in online banking?
A. Our upgraded online banking system will show you all the accounts on which you’re a joint owner or signer.
President’s message
United Consumers Credit Union’s primary goal is to provide value to our members who have accounts and loans with us. We are upgrading our data system, online banking and mobile app in order to continue providing value and supporting your growing financial needs.
Over the first weekend in April, we will enhance the tools our team and members use to improve your user experience. Seeking financial services that will benefit our membership is part of our mission. While this upgrade will involve some change, our team is working hard to make this transition a smooth one.
I’m excited to share a few of the benefits that will come from our system upgrade! To start, our online banking and mobile app platforms will have a new look that will be more consistent between the two and easier to use. Both platforms will have access to bill pay and credit card rewards (if applicable). Additionally, online banking and mobile app users will have one login for all the accounts on which they are listed. We will also have the ability to email receipts to members who make transactions online or in person!
We are eager to share these enhancements with you! There will be more details to come as we get closer to April. Please keep this resource guide on hand, and check our website and social media for the latest information.
Thank you for your membership! You are the reason we have been around for almost 85 years and the reason we will succeed in the future.
Jay Neathery, President