System Enhancements.

We’re upgrading our systems to bring you faster, more seamless, and more reliable digital and in‑branch services. While some branches and services will be temporarily unavailable during the transition, this enhancement ensures a stronger, more efficient banking experience for the future. Please view the below information and FAQs to learn more.

Credit Card System Enhancements
Core Banking System Enhancements

Key Dates

Thursday, February 19th, 2026 @ 4pm through Sunday, February 22, 2026

Overview

  • You will continue using your existing card. Credit cards will not be reissued, and card numbers will remain the same.

  • The rates and terms of your credit card, as well as due date will remain the same. Payments will remain due on the 25th of each month.

  • Statements will now be processed on the 28th of each month allowing activity through that date. Previously, statements cycled on the 25th but were processed after month end.

  • Members currently receiving e-statements will need to re-enroll through the card management section of online banking.

  • The new credit card statement will display a masked version of your credit card number rather than your member number.

  • Beginning Thursday, February 19th at 4pm, credit card accounts will not display on online banking until February 23rd, 2026. Online banking will remain available.

  • Payments by mail should be sent to P.O. Box 2711 Omaha, NE 68103-2711. This address will be found on statements as you receive them. If you use an online bill payment service, please update this address on or after February 23, or consider making payments directly through the card management feature in online banking.

  • Members using the ‘Pay/Transfer Now’ portal will receive notification with instructions on how to transition to the new platform.

  • We now offer 24/7 card assistance for support regarding balance inquiries, payments, transaction history, statements, or disputes, please call 1-844-249-1450.

  • The new fraud alert phone number is 1-833-763-2013. This number will appear on your caller ID if we contact you regarding potential fraud. It will not come from Har-co.

  • You will continue using your existing card. Credit cards will not be reissued, and card numbers will remain the same.

  • Prior to conversion, if your loan has a credit balance, these funds will be transferred to your regular savings.

Online Banking Features

  • Easily view cards on file, including subscriptions and recurring payments.

  • Link external bank accounts to pay your credit card.

  • Access full digital card information without using a physical card.

  • Turn your card on or off, this will not impact previously schedules recurring payments.

  • Add your card to Apple Pay or Google Pay.

  • Set controls by location, spending limits, merchant type, and transaction type.

  • Receive alerts for card activity or attempted transactions.

  • View transactions with enhanced merchant details as well as spend insight analytics.

  • Enroll in e-statements statements for faster, more secure access.

Overview


At Har-co, serving you with convenient and trustworthy financial services remains our top priority. To support that mission, our new core processing system will officially go live on March 2, 2026.This important investment will allow us to enhance the quality of our products and digital services, creating a more seamless and efficient experience. We will be closed February 28, 2026 to support this upgrade.

We have been carefully planning this transition to minimize disruptions. However, there will be temporary branch closures, and some services will be temporarily unavailable while we complete the upgrade. We understand that changes like this can be inconvenient, and we truly appreciate your patience and understanding during this time.This notice is designed to help you prepare and plan so the impact to you is as minimal as possible. Please review the information carefully.To learn more about this exciting upgrade, please visit harcocu.org. If you have any questions, we are here to help. You can call us at (410) 838.9090 or email us at contactcenter@harcocu.org. Putting our members first means continually investing in better tools and technology to serve you today and well into the future. Thank you for your continued trust and membership. We are grateful for the opportunity to serve you and look forward to bringing you an even better banking experience.

FAQs

Why is Har-co credit union upgrading its core processing system?

Upgrading to a more efficient, advanced system will allow us to serve you better and offer enhanced products and digital services for you and future generations of Har-co members.

Will my member number change?

‍No, your member number will remain the same

Will my account number(s) change?

Your member number and checking/share draft account numbers (the MICR line on your checks) remain the same. The only change you may notice is an update to certain deposit account suffixes.

Will the offices have normal hours?

All branches and our Contact Center will be closed Saturday, February 28th.

When will I receive my direct deposit?

All direct deposits received by 9:00am on Friday, February 27th will be posted as normal. Direct deposits received after this time will be posted Monday, March 2nd.

Will I be able to use ATMs?

Yes, you will be able to use ATMs for withdrawals during the system upgrade. However, deposits and account balances will be unavailable from Saturday, February 28th at 4:00pm through Monday, afternoon, March 2nd.

Will I be able to use my debit and credit cards?

Yes, you will be able to use your Debit and Credit Cards as normal but may have transaction limits during the system upgrades.

How do I report my debit card lost or stolen?

If you need to report a lost or stolen Debit Card, please contact (800) 472.3272.

Will my card numbers change?

Your card numbers will not change. You can keep using your current cards without interruption.

How will this affect Rewards Checking?

When you meet the monthly qualifications, dividends are credited to your account on the 1st of the following month. For example, March dividends will be paid on April 1st. The average daily balance method will be used to calculate dividends.

Will my automatic loan payment process as usual?

Automatic loan payments scheduled for March 1st will process on March 2nd.

Will there be a delay in receiving my statements?

‍No, your statements will be mailed and/or uploaded to mobile/online banking within the normal delivery timeframe.

Will my telephone banking login change?

Yes, the first time you call after March 2nd, you will need to update your PIN. The system will prompt you to enter the last 4 digits of your Tax ID and then ask you to create a new 4-digit PIN. The new PIN you choose can be your previous telephone banking PIN.

Will I lose my account history through mobile/online banking?

No, your account history will be retained in mobile/online banking.

Will my scheduled internal and external transfers take place when mobile / online banking is unavailable?

No, if you have any transfers scheduled to occur February 28th or March 1st, reschedule those to occur either before or after those dates.

Will I be able to access online bill pay?

Online bill pay will be unavailable from Saturday, February 28th at 4:00pm through Monday afternoon, March 2nd.

Will my mobile/online banking login change?

No, your mobile/online banking login will remain the same. You will use your same User ID and password to access mobile/online banking after the system upgrade is complete.

Will I be able to deposit a check using mobile deposit?

Mobile deposit will be unavailable from 4:00pm Saturday, February 28th until Monday afternoon March 2nd.

Will I need to re-establish account nicknames?

For some deposit products, you may have to re-establish nicknames. This can be done through online/mobile banking.

Will I be able to check my account balance on online/mobile banking?

Balance inquires will be unavailable in online/mobile banking and telephone teller from Saturday, February 28th at 4pm through Monday afternoon, March 2nd.

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