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What is a core system? Why are we upgrading our core system?

The core system is the software that executes major banking functions, such as: opening and managing accounts, originating and servicing loans, processing cash deposits and withdrawals, posting transactions, calculating interest, maintaining customer information, and more. Chadron FCU is committed to providing quality products and exceptional service. In an effort to improve and expand the products and services that we offer you, we have decided to upgrade our core banking system and other associated products in February 2021. This conversion requires a significant investment of both time and resources, but it will enable us to enhance our capabilities and ultimately the service that we provide to our members.

When are we upgrading our core system?

The upgrade will be taking place the weekend of January 29th, 30th & 31st. The office will be closed February 1st.

What is changing with the core conversion? Will my account number(s) stay the same?

Most of the initial changes with the core conversion will be transparent to our customers. Your deposit and loan account numbers will stay the same. Your existing checks and deposit slips will continue to work. Your suffix numbers will change. For example: Now your checking account is 12345 – S9 your new suffix may be 12345 – XXX. New suffix numbers will be 3 digits. This WILL not affect direct deposits or other ACH transactions you have set up.

You will need to re-enroll for the new online banking and download our new mobile app from the app store. The old website for online banking will be deactivated and the mobile app will not be available in the app store and deactivated as well.

What does the core conversion mean to our members?

The new core system will enable us to operate more efficiently which will in turn allow us to provide you with even better service. For the most part, the changes with the core conversion will be transparent to our members. The changes that you can see will be for the better. Going forward, our new core system will give us greater flexibility and enhanced capabilities to offer new products and solutions tailored to meet member needs.

Conversion Weekend – January 29th, 30th & 31st – Be Prepared

  • Friday January 29th – Online & Mobile Banking will be unavailable as of 5:00 Mountain

  • Saturday January 30th – Conversion work begins – Online & Mobile Banking Unavailable

  • Sunday January 31st – Conversion work continues – Online & Mobile Banking Unavailable

  • February 1st *OFFICE CLOSED* All ACH, automatic, scheduled and debit cards transactions will process as normal. The office is closed to complete conversion and training.
    • If you need cash over the weekend you can use our local ATM or find a surcharge free ATM in our network at

    • All debit card transaction done over the weekend will be loaded into the new system Monday the 1st

    • As of Monday February 1st, we will be back on real time debit card processing. Most of you know in October 2020 we were forced onto a new platform which in turn put us in a batch processing environment temporarily. This was a very difficult process for our staff and our members.

Is my personal and financial information secure?

We take the security and privacy of your information very seriously. Our new core system will provide additional features to protect your information.


Just tell me the good stuff……

  • ALL of our mobile and online banking products will be integrated to the core. This means all information will be up to date in both environments. Whether you use a desktop, laptop, iPad or smart phone to access your information, it will be current.

  • The new online banking portal will allow our members to do so much more for themselves. You can update your information (address & phone), open additional accounts, apply for a loan, communicate with direct messaging to the CU.

  • We will be offering Bill Pay again. This service will be integrated into the online banking environment. You can begin to set up your payees as soon as your register for the new online portal.

  • Text and phone banking will be a new platform that members can use to get up to date account information.

  • Loan processing will be streamlined with integrated applications and auto decisioning parameters

  • E-Statements will be much easier to access

  • Paper statement will have a new format

  • Remote/Mobile deposit will still be available on the mobile app

  • Transferring money between accounts inside and outside the CU will be easier

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