
System Upgrade Updates
September 20: CEO Update – Thank You!
It has been just over a week and the dust is settling on our recent system upgrade. While we had a couple minor adjustments that we have rectified, I am pleased to announce that we have successfully completed this landmark modernization of the credit union’s technology.
Over the past two years, we meticulously planned for the installation of our new state-of-the-art system. With it now in place and fully running, we are well-poised to provide a vastly improved member experience, enhanced security for your accounts, and new opportunities to innovate and launch new products and services well into the future.
I would like to thank you, and every one of our over 51,000 members, for the support and patience over the past several days as we performed this upgrade. We did our very best to limit member service interruptions and hope we met your expectations in this regard.
From all of us at the credit union, thank you for choosing the NIHFCU. We remain honored to serve your financial needs and look forward to continuing to earn your business every day.
Rick Wieczorek, NIHFCU President & CEO
September 17: Mobile Deposit has been restored for Android and Apple.
To continue depositing checks within your NIHFCU mobile app, a brand new release of our app (v4002.3.1), will be required. If you have Automatic Updates enabled on your phone, this new version will be automatically updated for you and you are good to go. However, if you do not have Automatic Updates enabled on your phone, you will need to download the new version.
Android users can click here to download.
Apple users can click here to download.
September 15: Joint Accounts
A new feature requested by many members that was added as part of our system upgrade was the ability to see joint accounts inside digital banking (along with primary accounts). As we have received numerous calls on this new feature, we have assembled a list of FAQs to help you understand this a bit more. click here for FAQs.
September 15: Mobile deposit availability update
Mobile deposit has been restored for Android users. To continue depositing checks within your NIHFCU mobile app, a brand new release of our app (v4002.3.0), will be required. If you have Automatic Updates enabled on your phone, this new version will be automatically updated for you and you are good to go. However, if you do not have Automatic Updates enabled on your phone, you will need to download the new version. Android users can click here to download.
Unfortunately, Apple has not yet made the new version available in their App store so mobile deposit remains unavailable for iPhone users. We are working as diligently as possible to get Apple to place the new app on the App store. We apologize for the inconvenience. Please watch our site and for an email when the new app. is available
September 14: Mobile deposit and Zelle availability
As a result of our recent upgrade, we were notified just days ago that new versions of our mobile app. would be required to resume mobile deposit and Zelle service. Our expectation was that Android and Apple would have made these apps available for automatic updating or manual download by now, but this has yet to occur. We are working to get these versions placed on the respective app stores as quickly as possible. We apologize for the inconvenience. Please watch our site and for an email when the new app. versions are available.
September 12: As of this morning, the following member services have been restored
NIHFCU branches
NIHFCU ATMs
Access 24 automated telephone banking
Call center – full service support
Online and mobile banking (including online applications)
Debit card limits have been lifted
We are continuing to monitor all systems and will provide further updates if needed.
Thank you for your support and patience as we continue to upgrade to serve you better!

System Upgrade has begun!
NIHFCU’s upgrade is coming soon, resulting in a vastly improved member experience, enhanced account security features, and new opportunities for future product/service introductions.
It will begin on Friday, September 9.
Completion is expected the morning of Monday, September 12.
We encourage you to review this page often for details on what to expect before, during and after this upgrade period.
Please note, our goal is to minimize interruption in your banking needs. However, temporary disruptions outlined below will be experienced during this period.
For additional assistance, please contact us at 1-800-877-6440 or stop by any branch.
Thank you for your patience as we upgrade the value of your NIHFCU membership!

Service Interruptions: September 9-12
BRANCHES |
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Friday, September 9
Saturday, September 10
Sunday, September 11
Monday, September 12
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CALL CENTER |
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Saturday, September 10
Sunday, September 11
Monday, September 12
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ONLINE BANKING & MOBILE APP |
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Friday, September 9
Saturday, September 10
Sunday, September 11
Monday, September 12
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ACCESS 24 AUTOMATED TELEPHONE BANKING |
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Friday, September 9
Saturday, September 10
Sunday, September 11
Monday, September 12
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DEBIT & CREDIT CARD |
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Friday, September 9
Saturday, September 10
Sunday, September 11
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NIHFCU ATM's (and ITM's) |
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Friday, September 9
Saturday, September 10
Sunday, September 11
Monday, September 12
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How to Prepare
We recommend the following to prepare for this upgrade:
Review, and if needed, update your contact information (address, phone, email)
This will help ensure any important notices or updates get to you successfully.
Updates can be made in online banking or our app, or by visiting an NIHFCU branch.
Take note of the upgrade dates and any temporary service disruptions that may impact you.
To plan ahead for what this might mean to you, please visit the “Service Availability” section.
Plan your cash and transaction needs accordingly as all services will be unavailable during the conversion period
Review and, if necessary, reschedule online bill payments and transfers in advance.
To alleviate concerns with bill payments and transfers scheduled between September 9-12, we recommend re-scheduling such transactions to occur on September 8 or earlier.
Bill payments scheduled prior to 8am (eastern) on Sep. 9 will be processed. However, access to the system for new payments will be unavailable during the upgrade.
Internal transfers & loan payments (NIHFCU account to an NIHFCU loan) scheduled prior to 2pm (eastern) on Sep. 9 will be processed. Those scheduled after 2pm (eastern) on Sep. 9 will not be processed until Sep. 12.
Outgoing external transfers scheduled prior to 1pm (eastern) on Sep. 8 will be processed. Those scheduled after 1pm (eastern) on Sep. 8 will not be processed until Sep.12.
Incoming external transfers scheduled prior to 1pm (eastern) on Sep. 8 will be processed. Those scheduled after 1pm (eastern) on Sep. 8 may not process until Sep. 12 and will require the standard 2-3 days to post to your NIHFCU checking account.

What's Staying the Same/ What's Changing?
What is STAYING THE SAME? |
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Most of your membership details are staying exactly as they are now, requiring no action on your part. This includes:
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What is CHANGING? |
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There are several changes that will take place after the upgrade to support a more convenient member experience. This includes:
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Frequently Asked Questions
General FAQs |
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There is very little to do. However, please visit the How To Prepare section for some steps we recommend. |
Yes! The upgrade will not compromise the safety or security of your accounts or information in any way. |
No, your current 6 digit member number will remain as is. |
Yes, several services including online banking, our mobile app, branches, ATMs, telephone banking and most call center services will be temporarily unavailable during the upgrade. Please click here for a summary of service disruptions so you can plan ahead. We apologize for the inconvenience as we upgrade to serve you better. |
No, your NIHFCU debit and credit cards, and checks will remain unchanged and can be used as normal. |
Yes, you can make retail purchases with your NIHFCU credit and debit cards during the upgrade period.
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No, NIHFCU ATMs will be unavailable for withdrawals or any other transactions during the upgrade period. However, members can use their NIHFCU card at non-NIHFCU ATMs for cash withdrawal purposes.
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Our call center will be open during the upgrade period for general inquiries only at 1-800-877-6440. Please note: representatives will not be able to provide account-specific support or perform any account transactions. |
Your monthly and quarterly account statements will have a new and fresh look after the upgrade. Click here to view the new statements. |
Yes. They will available at the same time but with a new and fresh look. Please note, for one time only you will receive two partial month statements for transactions posted in September. The first statement will reflect transactions posted from Sep.1-9. The second statement will reflect transactions posted from Sep. 10-30. |
Access 24 telephone banking will be unavailable during the upgrade period. |
No, the credit union’s Routing Number is not changing. |
No, direct deposits and recurring payments set up prior to the upgrade are not impacted and will continue unchanged. Note: Direct deposits received at the NIHFCU on 9/9/22 will be posted. All other direct deposits will be credited once the upgrade is completed |
No. Your total interest/dividends will not be impacted by the upgrade. Please note for one time only, in September 2022, there will be two dividend payments processed on interest bearing accounts. The first will occur on September 9, reflecting the earning period of September 1-9. The second will occur on September 30, reflecting the earning period of September 10-30. |
Direct deposits received at the NIHFCU on 9/9/22 will be posted. All other direct deposits will be credited once the upgrade is completed |
There will be no wires processed during the upgrade period. Should you need to wire funds during this period, we recommend that you do so on September 8 or earlier. |
Our call center will resume normal operating hours after the upgrade period.
In addition, for a period of time following the upgrade, the call center will be available 24/7 for general (non-transactional) inquiries only. |
Checking, Debit & Credit Card FAQs |
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No, your current NIHFCU debit and credit card is not impacted by this upgrade. |
No, your card PIN is not impacted by this upgrade. |
No, your current NIHFCU debit and credit card numbers are not impacted by this upgrade. |
Yes, fraud alerts will be available on credit and debit cards during the upgrade. |
All of your current card control selections in place at the time of the upgrade period will remain. However, you will not be able to change any of your selections during the upgrade period.
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Credit card payments through online banking will not be available during the upgrade period. However, as credit card payments are not due until Sept 20, you still have time to make your payments once the system upgrade is completed and online banking is restored. |
Please call 1-800-449-7728. |
No. You do not need to replace your NIHFCU checks. |
Digital Banking FAQs |
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Yes, you will experience disruption with these Intuit products and action will be required to ensure a smooth transition of account transaction updates after the upgrade weekend. Click here for instructions! |
No, transfers will not be available nor posted during the upgrade period. To alleviate concerns with bill payments and transfers scheduled between September 9-12, we recommend re-scheduling such transactions to occur on September 8 or earlier.
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No, online bill payment will unavailable starting at 8am (eastern) on Friday, Sept. 9 – 10am (eastern) on Monday. Sep.12. Thus, we recommend that you to schedule online Bill Payments and transfers to occur on Sep. 8 or earlier. |
Members will continue to be able to view their primary accounts but now they will also be able to see any of the joint accounts of which they are a holder – making management of your account relationships more convenient. |
No, all online and mobile banking functionality will be unavailable during the upgrade period. |
No, your online and mobile app credentials remain unchanged. |
Yes, your previously set up transfers will work after the upgrade. |
No, our mobile app and all its functionality – including Zelle – will be unavailable during the upgrade period. |
No, you will not need to download a new NIHFCU app. |
After the conversion, you will be able to see all of your primary and joint accounts under your login. This may include trust accounts, business accounts, custodial accounts, loans, etc. |
Alerts & notifications will not be sent during the upgrade. However, all of your settings will remain as is and will resume after the upgrade. |
Yes, your previously set up transfers will work after the upgrade. |
No. If you have e-statements at the time of the upgrade, you do not need to re-enroll. |
Yes, your e-Statement will have a new, fresh and easy to use layout. |
Direct deposits received at the NIHFCU on 9/9/22 will be posted. All other direct deposits will be credited once the upgrade is completed |
No. All online banking and mobile app. functionality will be unavailable during the upgrade. |
Yes, you will be able to see your transaction history after the upgrade. |
Loans FAQs |
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Loan payments will not be processed on September 10 or 11. Payments will be posted starting on September 12. |
No, your loan numbers are not changing. |

Communication Archive
Branch notice / statement insert / mail sample – June/July
Branch notice / statement insert – July/August
Member email – June 28, 2022
Member email – July 20, 2022
Mail sample – August 8, 2022
Member email – August 18, 2022
Member email – September 1, 2022
Since July, ongoing notification has also been posted throughout our website and within online banking and our mobile app, as well as on branch displays, call center messaging, our e-statement portal and our member newsletter.