System Upgrade - Oct. 31, - Nov. 4, 2026

Please check this page regularly for updates on affected services and important dates you should be aware of.

Member Guide and FAQs

System Upgrade Member Guide

Everything You Need to Know

The attached System Upgrade Member Guide is a detailed resource with everything you need to know about the upcoming system upgrade and how it may affect you. It provides helpful information and frequently asked questions, such as:

  • When you can access your accounts and conduct transactions.

  • How to sign in to Online Banking and the Mobile App after the upgrade.

  • What to expect with ATM/Debit cards, direct deposits, checks, and payments.

  • Important steps you need to take before Oct. 30

  • and more!

Please take a few minutes to review the attached Member Guide. It will help you know what to expect and make the transition easier.

Download the Member Guide today.

 

Important Dates: Account Access Interruptions

Members will experience interruptions to account access, transactions, and member services during the system upgrade.

  • Oct. 31–Nov. 2 (Saturday, beginning at 2:00 pm EST - Monday):

    The system will be down. No transactions can be processed.

  • Oct. 31–Nov. 4, 2026 (Saturday - Wednesday):

    The branch office will be closed for in-person transactions.

  • Nov. 3–4 (Tuesday - Wednesday):

    Members can access Online Banking and the Mobile App. Limited member services assistance will be available by calling 410-727-5469 or emailing info@pocumd.org.

  • Nov. 5 (Thursday):

    All banking services will resume, including in-person branch transactions.

Below are important dates, service interruptions, FAQs, online banking updates, instructions, and other details to help you prepare prior to, during, and after the conversion. Please check back regularly as we get closer to November

We appreciate your patience and understanding as we make this important investment in your credit union. We’re excited about what’s ahead and look forward to bringing you an improved banking experience.

The system upgrade will take place Sunday through Wednesday, NOVEMBER 1 - 4, 2026. The offices will be closed during this integration timeframe. We have done extensive planning to minimize service disruptions, but some services will be unavailable during the upgrade.

What You Can Do Now

  • Plan Ahead: Account access and services will be unavailable during portions of the system conversion. If you anticipate needing more cash between Oct. 31 (after 2:00 EST) - Nov. 4, 2026, than your daily ATM or debit card limits allow, please withdraw funds by Oct. 30, 2026. Limited account access will begin Nov. 3. Full access will be available Nov. 5.

  • Save Your Statements: If you use Online Banking, download or print any monthly statements you want to keep for your records by Oct. 30, 2026. Account history will not transfer to the new system, and past statements will no longer be available after that date.

  • Update Your Information: Please notify us of any changes to your phone number, email address, mailing address, or beneficiary information.

Important Things to Know

Office Closure: Monday through Wednesday, November 2–4, 2026

Our system upgrade and integration will take place on October 31 (after 2:00 pm) through Wednesday, November 4, 2026. Offices will be closed for a portion of that timeframe, and access to several account services will be temporarily unavailable. If you have questions or need to reach a credit union representative, we will be answering the phone and responding to emails submitted to info@pocumd.org beginning Tuesday, November 3, 2026. Please read below for specific dates about account access, online banking availability, and branch closings.

Account Access UPDATE:

  • Members WILL NOT have access to their accounts beginning Saturday, Oct. 31 (after 2:00 pm) through Monday, November 2, 2026. Please plan to withdraw any funds you may need no later than Friday, October 30.

  • Online Banking and Mobile App access will be available starting Tuesday, Nov. 3, 2026. Members can also call Member Services between 8:00 am and 4:00 pm at 410-727-5469 or email info@pocumd.org for questions and transaction assistance.

  • The branch office will reopen on Thursday, November 5, when members may conduct in-person transactions.

Account History & Transaction Details

Your account history and transaction details will not transfer to the upgraded system. If you are enrolled in Online Banking, we strongly recommend downloading or printing any monthly eStatements you would like to keep for your records. Please note: Account history will no longer be available after October 30, 2026.

Phone Automated Teller (PAT) Service

Our Phone Automated Teller (PAT) service will be discontinued permanently effective 11/1/2026. Our Member Service Representatives are happy to help during regular business hours - Monday through Friday between 8:00 am and 4:00 pm. You can also access your accounts anytime through Online Banking and our Mobile App.

ATM & Debit Card Access

During the upgrade period, Oct. 31 - Nov. 4, 2026, limited ATM and Debit Card access will remain available:

  • ATM cash withdrawals: Up to $250 per day

  • Debit Card cash withdrawals: Up to $305 per day

  • Debit Card purchase transactions: Up to $750 per day

Online Banking & Mobile App Access - UPDATE

Members WILL NOT have access to Online Banking or the Mobile App from October 31 (beginning at 2:00 pm EST) - November 2, 2026. Access will resume on Tuesday, November 3. See login instructions below.

Beginning Tuesday, 11/3/26, you will be able to access digital banking services. Follow these login instructions:

  • Log in to Online Banking or the Mobile App using your CURRENT USERNAME

  • Enter your TEMPORARY PASSWORD, which will be the LAST FOUR DIGITS OF YOUR Social Security number.

  • Follow the prompts to create a NEW PASSWORD.

If you don’t remember your Username and/or Password, follow the online prompts or call 410-727-5469 for member assistance.

Important Updates and Information

Check back regularly for updates and important information as we get closer to the integration dates. You can also call us during regular business hours, Monday–Friday, 8:00 AM–4:00 PM, at 410-727-5469.

Post Conversion

On November 5, all services and account access will be available. To help you get comfortable with the new look and feel of online banking, we’ve provided several helpful videos and tutorials to guide you through the updated experience.

If you have any questions or need assistance, please contact the Credit Union at 410-727-5469.

Helpful Videos and Tutorials

Thank you for your patience and understanding as we work to complete this important system upgrade.