System Upgrade

What is a “System Upgrade” and why are you doing it?

The LLCU “System Upgrade” was implemented to improve and enhance capabilities within our financial information database. This database is the foundation (core, if you will) of all of our processing systems and platforms used by both staff and members for daily banking needs. The upgrade brings improvements to many areas including online banking, account opening, transaction management, statement records, loan applications, loan management, and more. Keeping our members’ information accurate and secure remains our top priority through this upgrade. As an added bonus, this new, more advanced system, will enable us to improve member service provided today while simultaneously positioning LLCU to meet the future technological needs of our members for tomorrow.

When did the “System Upgrade” happen?

Our System Upgrade project began in January of 2023. LLCU staff worked diligtenly to prepare all connecting systems, such as online and mobile banking, BillPay, and eStatements, to be ready for a smooth upgrade process. The official System Upgrade took place from Friday, October 25th through Monday, October 28th, 2024.

What's new?

With the System Upgrade, you were assigned a Member Number (more information on that below). Additionally, your account number(s) have change slightly (however, your old account number remains a part of your new account number).

What do you need to do?

Since all your accounts now show under your name and/or your unique MEMBER NUMBER – if you had not already done so, now is a great time to assign a “NICKNAME” to your account(s). This will make it easier to distinguish between your different accounts in online banking and when you visit the branch. You can quickly and easily assign nicknames to each of your accounts within online banking, or by calling our Solution Center, or in-person at any LLCU branch.

Can I continue using my existing checks?

Yes, you should continue to use your existing checks. The next time you order checks, we’ll update them to reflect your new account number.

Did the LLCU routing number change?

No, the LLCU Routing Number did not change. However, it is important to note that for Colchester members (those originally from Colchester State Bank), now that the upgrade is complete, you should begin using LLCU’s Routing Number - 271183015.

Do I need a new debit and/or credit card?

Most LLCU Members do not need a new debit and/or credit card. You can continue using your existing cards. However, again, our Colchester members (originally from Colchester State Bank) do need to begin using their new LLCU debit credit card. You should have already received it via U.S. mail. Upon receiving it, you can activate it using the number on the card and begin using.

Member Numbers

With the System Upgrade, you will now be assigned a “Member Number” under which all of your accounts now display. But no need to memorize your Member Number, you only need to provide us with your name (or social security number) and a state-issued I.D. to access your account(s) and complete transactions. However, should you want to make note of your new Member Number, and Account Number changes, we have detailed below how you can easily identify both.

Please review the following information carefully:

Introduction to Member Numbers

Any accounts you have with LLCU now fall under your unique MEMBER NUMBER in our system and on your statements. This will make it easier to view ALL your accounts in one area. To determine what your Member Number is, please use the following determining criteria:

Your Current LLCU Relationship:	What Your Member Number Will Be:
I have only ONE LLCU account number.	Your MEMBER NUMBER is the SAME as your account number.
I have MORE THAN ONE LLCU account number with different open dates.	Your MEMBER NUMBER is the same as the FIRST account you opened at LLCU..
I have MULTIPLE ACCOUNT NUMBERS with the SAME OPEN DATE.	Your MEMBER NUMBER is the LOWEST account number.

If you are still unsure about what your MEMBER NUMBER is, simply call or stop in any LLCU branch and an LLCU staff member will be happy to help.

Account Number Changes

With the System Upgrade, your account number(s) has changed slightly to allow smooth integration with new system, but your previous account number(s) remain a PART of your new account number(s). The changes included replacement the previous suffixes (ending numbers) we used with a new suffix, as well as the addition of a new prefix (preceding numbers) to your current account number(s).

Please take a moment to review the following information which illustrates how your account number(s) have changed:

How Your Account Number Displayed BEFORE the System Upgrade:	How Your Account Number Displays NOW:
MAIN SHARE - 1234567-S0	Savings – Regular Share – 1000123456700
SECONDARY SHARE – 1234567-S1	Savings – Other Share - 1000123456701
CHECKING - 1234567-S73	Checking - Basic Checking – 1234567X (X=check digit found after your account number on your checks)
MONEY MARKET 1234567-S66	Checking – Money Market – 9001234567X (X=check digit found after your account number on your checks)
CERTIFICATE C2 – 1234567-C2	Certificate – 6 Month - 212345670002
LOAN USEDV 1234567-L1	Consumer Loan – Used Vehicle 3000123456701
LOAN ODLOC 1234657-L99	Consumer Loan – Overdraft Line of Credit 3000123456799

Still not sure what your new account number(s) is? No worries – we are standing by and ready to help you confirm your account number(s). During normal business hours, simply stop in any branch, call us at the Solutions Center at 1-844-222-7788, or send a live chat and we will help you confirm.

• HELPFUL TIP! It is not necessary to memorize your account number(s), nor your member number, to execute a
  transaction. All you will ever need is your Full Name, (or social security number), and a state-issued I.D. to complete any transaction.
• Important! Transaction history for your LLCU account(s) that have closed within the past 12 months did roll into our new system and into online banking. However, any transaction history for LLCU accounts that have been closed longer than 12 months ago DID NOT roll into the new system, nor into online banking. Additionally, only the prior 12 months of e-Statements rolled over to the new system & online banking. So, if you think you might need any e-Statements that date back further than the past 12 months, please stop in any LLCU branch to request printed copies.

What’s new?

For most members, the look of our statements did not change with the System Upgrade. However, for Colchester branch members, statements may look different. For all members, all of your accounts will now display on one statement.

I was not enrolled in eStatements before the Upgrade. How can I enroll now?

1. Login to LLCU Online Banking.
2. Choose the eStatements tab.
3. Follow to prompts to complete enrollment.

More information about Online Banking and eStatements can be found in the Digital Services tab at llcu.org.

Will my October 2024 statement be affected by the upgrade?

Yes, all members will receive two statements in October. One statement will be for any and all transactions completed PRIOR to the System Upgrade (10/1/2024 - 10/25/2024) and the second will be for any and all transactions completed AFTER the System Upgrade through month end (10/26/24 - 10/31/24). Statements will resume as usual thereafter.

Will my delivery time change?

No. After the two October statements, for those who receive monthly statements, all statement deliveries will resume as usual. Colchester branch members will adjust to LLCU statement schedule.

How do I access historical statements?

1. Log on to Online Banking.
2. Choose the eStatements tab.
3. Select which statement you would like to view.
4. Once the statement is open, click download or print in your toolbar

How will my eStatements be affected?

eStatements will be delivered as usual and available to review, download and print in Online Banking.

• Only members that are enrolled in eStatements will have access to them. If you are not enrolled, you can do so anytime (except during the System Upgrade weekend) by using the instructions at the beginning of this section.
• If you enroll on the new system, you will have access to up to 12 months of historical statements upon enrollment, if applicable.

Can I still see all of my accounts in Online and Mobile Banking?

If you were enrolled in LLCU Online & Mobile Banking PRIOR to the System Upgrade, you are able to login and view all of your LLCU accounts. As a matter of fact, because of the upgrade, you will now be able to view all of your accounts together under your Name and Member Number, instead of needing to login and logout to view your different accounts. This is something members have been asking for! This is also why it is very important to assign NICKNAMES to your accounts as soon as possible. See below for directions on how to do this. If you had multiple online banking user IDs/passwords before the upgrade, you will now only have ONE User ID. To determine which one rolled over to the new system, please see the table below.

I was not enrolled in LLCU Online Banking before the upgrade. How can I enroll now?

If you have never enrolled in LLCU Online & Mobile Banking, you can easily self-enroll at www.llcu.org. Colchester members will also need to self-enroll now. To self-enroll, follow these instructions:

1. Visit www.llcu.org and scroll down to the center of the homepage to find the LLCU Online Banking login box.
2. Under the "LOGIN" button, you will find an "ENROLL" button. Click ENROLL.
3. Follow the prompts to complete enrollment. IMPORTANT NOTE - you will need to know what your MEMBER NUMBER is to self-enroll. To determine that, see the table below, or call 1-844-222-7788.

Did all of my PAYEES that I had set up in Bill Pay transfer over after the System Upgrade?

Yes, all Bill Pay PAYEES transferred over with the System Upgrade. No action is required.

If I had my LLCU Debit and/or Credit Card set up in my Mobile Wallet (i.e. Apple Pay, Google Pay, etc.), will I have to change anything there?

No, since members did not require a new debit/credit card, you do not have to change anything in your Digital Wallet or Mobile
Wallet settings.

However, for Colchester members receiving a new debit and/or credit card, if you had this set up, you will need to add your new card for payment and delete your old.

How do I assign “nicknames” to my individual accounts in Online & Mobile Banking?

You can quickly and easily assign nicknames to each of your accounts within online banking once enrolled, or by calling our Solution Center, or in-person at any LLCU branch.

1. Login to LLCU Online Banking.
2. In the top right hand portion of the page, click on "Settings".
3. On the next page, click on "Accounts".
4. Next, select one of the accounts to which you'd like to assign a nickname.
5. Click in the text box under "Nickname" and type in the new nickname you have chosen for that particular account. This nickname should be something that helps you to easily identify which account it is. For example, if your name is "Joe" and you are naming what is your Main Checking Account, you could name it "Joe - Main Checking". Or if it is Joe's Christmas Savings, you could name it "Joe - Christmas".
6. Click "SAVE" and then click "CLOSE" once the screen confirms your account preferences have been successfully updated.
7. Repeat steps 4-6 for any other accounts you have listed within your settings.

To create or edit nicknames in LLCU Mobile Banking on a smart device, follow these instructions:

1. Login to LLCU Mobile Banking App.
2. On the home screen, tap on "Edit Accounts" underneath your account listings.
3. Next, select the first account for which you'd like to create or change a nickname.
4. On the next screen, tap into the text currently filling the "Nickname" line and edit to the new nickname you have chosen.
5. Next tap "SAVE".
6. Repeat steps 3-5 for all accounts listed that you would like to assign or change the nickname.
7. Once finished, tap the arrow at the top left of the screen to return to Mobile Banking home screen.

IMPORTANT NOTE: You do not need to assign, edit or change your nicknames in BOTH Online & Mobile Banking. Once you have done so in one, the other will automatically update.

I was enrolled in LLCU Online Banking BEFORE the upgrade, but do I need to re-enroll now?

If you were enrolled in LLCU Online Banking before the upgrade and you had logged in within the LAST FOUR MONTHS, your online banking should still be active and you do not need to re-enroll.

If you were enrolled and had MORE THAN ONE LLCU online banking account (i.e. - you have multiple User IDs for logging into different LLCU accounts), you now only need ONE User ID to access all your accounts. This will be much more convenient for members to see all accounts together and eliminate the need to login and out to view different accounts.

Because you now only use ONE online banking user ID to see all accounts, please use the table below to determine which of your previous USER IDs rolled over with the system upgrade. Please carefully review the following information:

Your Previous Online Banking Status (before System Upgrade):	Your User ID Now (after the System Upgrade):
I had only ONE online banking USER ID and I had logged in within the last four months.	Your User ID and password remained the same after the System Upgrade.
I had MORE THAN ONE online banking USER ID; I had logged into each of them within the last four months; and one of them had active BillPay.	Your singular User ID and password became the User ID for the account with ACTIVE BILLPAY currently engaged.
I had MORE THAN ONE online banking USER ID with ACTIVE BILLPAY, and I had logged into them all within the last four months.	Your singular User ID and password became the User ID for the account that had the oldest enrollment date.
I had MORE THAN ONE online banking USER ID with active BillPay; I had logged into them all in the last four months; and they all had the same enrollment date.	Please reach out to an LLCU Representative to determine which User ID you will use moving forward.
I had not logged into my LLCU online banking within the last four months, or I had NEVER enrolled in LLCU online banking.	Enroll today using ONLY your MAIN account – as you only need ONE User ID. All of your accounts will be visible under your one User ID. NOTE - to self-enroll, you will need to know your member number. For enrollment instructions, see above.

Still not sure which online banking USER ID to use now? Reach out and we would be happy to assist you.

Do I need to do anything with my Quicken or QuickBooks as a result of the system upgrade?

Yes, this system upgrade does require that you make changes to your QuickBooks or Quicken software, so please take action to ensure a smooth transition. Conversion instructions are detailed below.

The Conversion Instructions reference two important ACTION DATES as follows:

1^st ACTION DATE – Friday, October 25^th (by 5:00p.m.)

• This was the cut-off date to obtain a data file backup and a final transaction download. If you did not complete a final download BEFORE this date, some of your transaction history might not be available.

2^nd ACTION DATE – Tuesday, October 29^th (beginning at 8:00a.m.)

• Complete the remaining steps listed in the Conversion Instructions found below. This step includes the deactivation/reactivation of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.

DOWNLOADABLE CONVERSION INSTRUCTIONS:

QUICKEN INSTRUCTIONS

QUICKBOOKS DESKTOP INSTRUCTIONS

QUICKBOOKS ONLINE INSTRUCTIONS

Intuit aggregation services may be interrupted for up to five (5) business days. Users are encouraged to download a QFX/QBO file during this outage. The following services may not function during the outage:

• Quicken Win/Mac Express Web Connect
• QuickBooks Online Express Web Connect

Please carefully review your downloaded transactions after completing the conversion instructions to ensure no transactions were duplicated or omitted from the register.

If you have any questions or need further assistance, please contact us at 1-844-222-7788.

Who should I contact if things do not look right with my account now?

We are ready to take calls and answer all questions with extended hours in our Solution Center. We have an increased level of staff answering phones, responding to chat and email, and in branch - all in anticipation of increased call volume and foot traffic. Please do not hesitate to call us at 1-844-222-7788. You can also talk with an LLCU Representative via live chat during normal business hours at llcu.org.

THANK YOU for your loyal membership and for your patience during this exciting time of technology upgrade!