System Upgrades
Plan Ahead for Our System Upgrade
We’re upgrading our systems to bring you a better digital banking experience. During the transition, some services will be temporarily unavailable.
Please review the key dates, service details, and steps below so you know what to expect.
FIRST THINGS FIRST
Start with these key service impacts, then review the full upgrade roadmap below for dates and details.
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FridayJuly 31
Online Banking and Mobile Banking unavailable beginning at 8:00 am ET. -
Saturday-MondayAugust 1-3
Branches, the Contact Center, Shared Branches, and most digital services unavailable. -
TuesdayAugust 4
Services & normal business hours resume. Register for our new digital banking experience.
KEY DATES TO KNOW
Some services have earlier cutoff dates before upgrade weekend. Review the roadmap below so you can plan around important service interruptions.
Your Upgrade Roadmap
Early Cutoffs Begin
Some digital services become unavailable before upgrade weekend.
- Bill Pay, Zelle, and MessagePay unavailable after 8:00 am ET.
Mobile Deposit Cutoff
Submit mobile deposits before the cutoff if you need them processed before the upgrade.
Mobile Deposit unavailable after 6:00 pm ET.
Digital Banking Goes Offline
Online Banking and Mobile Banking become unavailable at 8:00 am ET.
Branches and Contact Center are open normal hours. Shared Branches available until 6:00 pm ET.
Upgrade Weekend
Most member-facing services will be temporarily unavailable.
- Branches and Contact Center closed.
- Shared Branches unavailable.
- Online Banking & Mobile Banking unavailable.
Reopen & Register
Services begin reopening and members can access the upgraded digital banking experience.
- Branches and Contact Center reopen.
- Shared Branches available at 8:00 am ET
- Register for our new Online Banking experience and access our new Mobile App.
Thank you for being a valued part of the Call Federal family!
As a way to show appreciation for your support, you can enter for a chance to win one of FIVE $100 deposits into your Call Federal account. Entries must be completed by July 31st. See Official Rules for complete details.
What To Do Before The Upgrade
Taking a few steps before the upgrade can help you avoid delays while systems and services are temporarily unavailable.
✓ Make needed MessagePay loan payments
MessagePay will be unavailable after Monday, July 27 at 8:00 am ET.
✓ Schedule Bill Pay or Zelle activity
Bill Pay and Zelle will be unavailable after Monday, July 27 at 8:00 am ET.
✓ Submit Mobile Deposits
Mobile Deposit will be unavailable after Wednesday, July 29 at 6:00 pm ET.
✓ Save account information you may need to access while we’re closed
Online Banking and Mobile Banking will be unavailable beginning Friday, July 31 at 8:00 am ET.
✓ Plan around Branch and Contact Center closures
Branches and the Contact Center will be closed Saturday, August 1 through Monday, August 3. Shared Branches are also unavailable during this time.
Confirm Your Contact Information
Make sure your phone number, email address, and mailing address are up to date before the upgrade so you do not miss important system upgrade updates or account communications.
Log in to Online Banking
Click: Settings > Profile
Log in to Mobile Banking
Tap: More > Manage Profile Information
Call us at 804.274.1200
We can help confirm your current contact details.
Stop By A Branch
Visit us before upgrade weekend for assistance.
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Security Reminder: |
SERVICE DETAILS
Looking for details about a specific service? Use the sections below to see what will be available, temporarily unavailable, or changing during the upgrade.
Branches
Branches will be open on Friday, July 31, closed Saturday, August 1 through Monday, August 3, and reopen Tuesday, August 4.
Contact Center
The Contact Center will be open during regular Friday hours on July 31, closed Saturday, August 1 through Monday, August 3, and reopen Tuesday, August 4.
Shared Branching
Shared Branching will be available until 6:00 pm ET on Friday, July 31, unavailable Saturday, August 1 through Monday, August 3, and available again beginning Tuesday, August 4.
Shared Branch Guest Members
Call Federal will not be able to serve Shared Branch Guest Members at our traditional branch locations from Monday, July 27 through Saturday, August 8. Shared Branch Guest Members are welcome to visit our traditional branch locations again beginning Monday, August 10.
Online Banking
Online Banking will be unavailable beginning Friday, July 31 at 8:00 am ET. Beginning Tuesday, August 4, members will need to register and log in to access the upgraded digital banking experience.
Mobile App
The Mobile App will be unavailable beginning Friday, July 31 at 8:00 am ET. Beginning Tuesday, August 4, Android users should download the new app. Apple users should expect an automatic update. Members will then register to log in
Account Alerts & Card Controls
Account Alerts & Card Controls will be available until Friday, July 31 at 8:00 am ET, but unavailable during the transition. Both will be available in the upgraded digital banking experience, with new options to help members keep track of account activity, beginning Tuesday, August 4.
Register for our new digital banking experience
Registration begins Tuesday, August 4 for the upgraded online & mobile banking experience. Additional instructions will be shared to help members log in for the first time.
Bill Pay
Bill Pay will be unavailable after Monday, July 27 at 8:00 am ET through Monday, August 3. Beginning Tuesday, August 4, members can re-register and log in to access Bill Pay in the upgraded digital banking experience.
Zelle®
Zelle® will be unavailable after Monday, July 27 at 8:00 am ET through Monday, August 3.
Loan Payments with MessagePay
MessagePay will be unavailable after Monday, July 27 at 8:00 am ET.
Beginning Tuesday, August 4, REPAY will be introduced as our new online loan payment solution.
Mobile Deposit
Mobile Deposit will be unavailable after Wednesday, July 29 at 6:00 pm ET through Monday, August 3. Mobile Deposit will be available again in the upgraded digital banking experience.
External Transfers
Any previously established external transfers will transition to the new digital experience. Members will be able set up new external transfers via Plaid once registered for the new platform.
Wires
Wires will be available in the upgraded digital banking experience after members register and accept the Wire Agreement.
Debit & Credit Cards
Debit and credit cards will remain available for everyday purchases and ATM withdrawals while branches are closed.
ATMs
Members may continue using available ATMs for cash withdrawals during the upgrade.
Automated Phone System
The Automated Phone System will be available until Friday, July 31 at 6:00 pm ET, unavailable Saturday, August 1 through Monday, August 3, and available again beginning Tuesday, August 4 with new registration.
Good To Know
Cards and ATM access are some of the most important services that will remain available while branches and digital banking are temporarily unavailable.
Electronic Statements
Enrollment for electronic statements will be unavailable after Monday, July 20 at 8:00 am ET through Monday, August 3. Electronic statements will remain available until Friday, July 31 at 8:00 am ET.
July Paper Statements
All members will receive a paper statement for July 2026, even if they are registered for electronic statements, because of the new digital banking upgrade. Members currently registered for electronic statements will receive their statement electronically for August 2026.
Statement History
August 2025 through June 2026 statement history is expected to be available in the upgraded digital banking experience. The July 2026 statement will be available shortly after launch.
COMPLETE SERVICE SCHEDULE
Prefer to review the full schedule by service? Download or view the complete service schedule for a detailed look at planned availability during the upgrade.
The complete service schedule provides a detailed view of planned availability for branches, the Contact Center, ATMs, digital banking, payments, transfers, cards, statements, and other services during the system upgrade.
Best For Printing
The full schedule is formatted as a one-page PDF that members can download, save, or print for reference.
Please Note
The schedule includes important notes about the Mobile App, loan payments, Shared Branch Guest Members, and July paper statements and August electronic statements.
Video Gallery
We’ve enlisted our Call Federal teammates to share their expertise and excitement for the System Update in a series of short videos. Take a look!
Frequently Asked Questions
General Upgrade Questions
We’re upgrading our systems to provide a better digital banking experience, stronger tools, and improved service for our members. This upgrade will help us offer more convenient, secure, and flexible banking options while continuing to provide the exceptional local service you expect from Call Federal.
The main upgrade period takes place from Friday, July 31 through Monday, August 3, with services resuming on Tuesday, August 4. Some services have earlier cutoff dates, so please review the Key Dates and Complete Service Schedule sections above for details.
Yes. Branches and the Contact Center will be closed Saturday, August 1 through Monday, August 3, and will reopen Tuesday, August 4. Please review the Service Details section for more information.
Yes, we will notify members through email and on our website once the upgrade is complete.
Our banking system is responsible for handling and storing data and transactions including:
- Opening and managing accounts
- Maintaining account holder information
- Processing and servicing loans
- Processing cash deposits and withdrawals
- Processing transactions
- Integrating with online and mobile banking platforms
Online Banking & Mobile App
Online Banking and Mobile Banking will be temporarily unavailable beginning Friday, July 31 at 8:00 am ET. Members will be able to access the upgraded digital banking experience beginning Tuesday, August 4 after re-registering.
Yes. Beginning Tuesday, August 4, members will need to re-register to access the upgraded Online Banking and Mobile App experience. Additional instructions will be provided to help you complete the process.
Android users should download the new app from the Google Play store. Apple users should expect an automatic app update. After the upgrade, members will need to re-register before logging in.
Account Alerts and Card Controls will be temporarily unavailable during the transition and will be available in the upgraded digital banking experience beginning Tuesday, August 4.
Yes. QuickBooks® and Quicken® access will be available again beginning Tuesday, August 4, but members who use these tools will need to deactivate and reactivate their connection after the system upgrade.
QuickBooks® and Quicken® will be available until Friday, July 31 at 8:00 am ET, then temporarily unavailable during the upgrade weekend. Conversion instructions will be provided to help members reconnect after the upgrade.
After reconnecting, please review your downloaded transactions to make sure no transactions were duplicated or missed.
We recommend accessing Online Banking directly from callfederal.org after the upgrade. If you previously bookmarked the Online Banking login page, you may need to update your bookmark after re-registering.
Cards, ATMs, & Security
Yes. Debit and credit cards will remain available for everyday purchases and ATM withdrawals while branches and digital banking are temporarily unavailable.
Members may continue using available ATMs for cash withdrawals during the upgrade.
Yes. Fraud monitoring for debit and credit cards will continue during the upgrade.
Call Federal will never contact you to ask for your account number, password, secure access code, or login information. If you receive a suspicious message or call, please contact us directly at 804.274.1200 before taking action.
Payments, Transfers, & Loans
Bill Pay and Zelle will be unavailable after Monday, July 27 at 8:00 am ET through Monday, August 3. Beginning Tuesday, August 4, both services will be available in the upgraded digital banking experience. No new setup is expected for Bill Pay or Zelle.
MessagePay will no longer be available after Monday, July 27 at 8:00 am ET. Beginning Tuesday, August 4, REPAY will be introduced as our new online loan payment solution.
Direct deposits, ACH payments, and scheduled payments are expected to deposit or be made as scheduled. Please review the Complete Service Schedule for additional details.
Account Statements
Yes. All members will receive a paper statement for July 2026, even if they are registered for electronic statements, because of the digital banking upgrade.
Electronic Statement enrollment will be unavailable after Monday, July 20 at 8:00 am ET through Monday, August 3. Electronic statements will remain available until Friday, July 31 at 8:00 am ET. Members currently registered for electronic statements will receive their August 2026 statement electronically.
August 2025 through June 2026 statement history is expected to be available in the upgraded digital banking experience. The July 2026 statement will be available shortly after launch.