Technology Upgrade

Thank you for being a part of Athol Credit Union. As we continue preparing for our core system upgrade, we want to keep you informed about what’s coming next.

This conversion will bring you a faster, more secure, and more modern banking experience. Over the next few weeks, we’ll share important details about updates to online and mobile banking, new features you can expect, and any brief service interruptions that may occur during the transition.

Our goal is to make this change as smooth as possible for you. Please watch your email and our website for additional information, including any steps you may need to take once the upgrade is complete.

If you have any questions, our team is here to help at (978) 249-3527.

Thank you again for your trust in Athol Credit Union. We’re excited to bring you an improved banking experience.

Luis Cisneros
President & CEO

Your guide to the Athol Credit Union Technology Upgrade

Friday, April 10 2026

  • Closing at 4:30 P.M.

  • ATMs offline at 12:00P.M.

  • Upgrade starts after closing.

Saturday, April 11 2026

  • Athol Credit Union closed.

Monday April 13 2026

  • Open at 8:30 A.M.

  • Upgrade complete at 11:00 A.M. ATMs back online.

Online Banking & Mobile Banking will be unavailable from Friday April 10 at 4:30 P.M. through Monday April 13 at 11:00 A.M.

What WILL CHANGE After the Technology Upgrade?

  • Online Banking is getting better!

  • New look and format for Deposit Statements, Loan Bills, and Notices

  • Enhanced Services!

    • Mobile Banking

    • Apple Pay®/Google Pay®

    • Mobile Deposit Capture

    • iBanking Personal Finance Management Tool

    • QuickBooks Integration for Members

    • iOpen for online account opening

    • These upgrades free our staff to focus on delivering the personalized service our members deserve.

    • The first time you call Telephone Banking, your PIN will default to the last four digits of your Social Security number. You will then be prompted to create a new 4-digit PIN.

What is NOT CHANGING After the Technology Upgrade?

  • Account Numbers & Routing Number

  • Debit Card numbers/access and your PIN

  • Branch hours

  • Bill Pay setup/payees

  • Access to surcharge-free ATMs – Accel® Network

  • Your checks

  • Scheduled transfers and/or loan payments

Service Availability Schedule

Friday 4/10 Saturday 4/11 Sunday 4/12 Monday 4/13
Branch Office Open 8:30 A.M. to 4:30 P.M. Closed Closed Open 8:30 A.M. to 4:30 P.M.
Online Banking Unavailable After 4:30 P.M. Unavailable Unavailable Available After 11:00 A.M.
Telephone Banking Unavailable After 2:00 P.M. Unavailable Unavailable Available After 11:00 A.M.
Mobile Deposit Unavailable After 4:30 P.M. Unavailable Unavailable Available After 11:00 A.M.

* ATM services will be available during the system upgrade; real time data on your funds availability may not be. To ensure you have sufficient funds to withdraw cash, we are requesting you make any necessary transactions ahead of time.

Important Dates and Actions to Take


Friday, April 10th, 4:30 P.M. EST is the cutoff date to:

Check your available balances. While Debit Card service will be available during the system upgrade, real-time data on your funds availability will not be available. To ensure you have sufficient funds to withdraw cash and make purchases with your debit card during the upgrade, we are requesting you make any necessary adjustments ahead of time. You may also wish to plan ahead for large cash withdrawals prior to the upgrade.

Frequently Asked Questions

Why is Athol Credit Union upgrading its systems?

As technology evolves, we want to ensure we’re evolving with it. That’s why we’re making updates now—so we can continue providing you with products and services that meet your needs.

When will the technology upgrade take place?

The Technology Upgrade will take place over the weekend beginning April 10 th at 4:30 P.M. The credit union will be closed on Saturday, April 11 . ATMs will be available for withdrawals. We will reopen on Monday, April 13 at 8:30 A.M.

Will online banking and telephone banking services be available during upgrade weekend?

Online banking will not be available after 4:30 P.M. on Friday, April 10 until Monday, April 13 at 11:00 A.M. Telephone banking will not be available from 2:00 P.M. on Friday, April 10th through Monday, April 13 at 11:00 A.M. More information about these services will be forthcoming. For Online Banking support call (978) 249-3527. To access the updated mobile banking experience, please download our new app from the Apple App Store or Google Play Store.

Will bill payments process during the upgrade?

No, bill pay will be unavailable from Friday, April 10 at 9:00 A.M. through Tuesday, April 14 at 10:00 A.M.

Will my account numbers remain the same?

Yes, there are no changes to account numbers. Your Quabbin Money Market Account will automatically move to our Money Market Account. If you have a Tiered Checking Account, it will switch to the Umbrella Account.

Will checks remain the same?

Existing checks will not change. You can continue to use the ones you have.

Will I be able to use my ATM and/or Mastercard® Debit Card over the weekend?

Yes, your ATM and/or Mastercard® Debit Card can be used throughout the weekend. However, while ATM and debit card services will be available during the system upgrade, real-time data on your funds availability may not be. To ensure you have sufficient funds to withdraw cash and make purchases with your ATM and/or debit card during the upgrade, we are requesting you make any necessary transactions ahead of time.

What if my ATM and/or Mastercard® Debit Card is lost or stolen during this time frame?

The phone number to call is the same: 978-249-3527

Will my ATM/Mastercard® Debit Card PIN # change?

No, your card PIN # will stay the same.

Will I continue to receive a paper statement of my account each month?

If you currently receive a paper statement each month you will continue to do so. The new statements will have a slightly different look but contain all the same information you are accustomed to seeing. Go paperless! Sign up for e-Statements and earn a $5.00 deposit.

What if I am currently enrolled for e-statements?

You will continue to have access to your statements through Online Banking. In addition, you’ll be able to review up to 13 months of past statements directly within your account. Pre-register for online banking starting on March 23.

If I have funds directly deposited to my account, will this change?

No, any funds automatically deposited will not be affected by this upgrade.

Is my account information and personal data safe during this upgrade?

Yes. As always, your personal data and account information will remain safe and secure during this transition.

Will I be able to open an account online still?

Yes, you will be able to open an account online after the upgrade. However, online account opening will be temporarily unavailable starting April 9.

Will my automatic payments still post?

Yes, your automatic payments will still post. However, during our technology upgrade, payments scheduled between Friday, April 10th and Tuesday, April 14 will be processed on April 14.

Will I still be able to access my telephone banking?

Telephone banking will continue to be available. However, you will need to reset your telephone banking PIN before using the service. Your temporary pin will be the last four digits of your social security number. You will then be prompted to create a new four-digit PIN.

ACU