We’re excited to share that beginning April 1, 2026, we will be upgrading our entire processing system, including our core account platform, online banking, mobile app, mobile deposit, bill pay and more, to bring you faster service, better features, and more self‑serve options. This major project will require our branches to be closed for two days, temporary limits put on debit card usage, and a brief pause of online services.
Upgrade Guide For Members
We truly appreciate your patience while we complete this work, and to support you through the transition, we’ve created this comprehensive Upgrade Guide of helpful tips to prepare and information to learn about some of the new and exciting features coming your way. Thank you for trusting us as we make these important improvements designed to deliver the latest technology and a smoother experience for you.
Frequently Asked Questions
What is a core processing system?
The core processing system is the computer system used to maintain accounts and process transactions.
Will my account number change?
No. Member account numbers will remain the same.
Will my Online Banking log-in change?
Yes. Please see instructions for It’sMe247 in the Online Banking section.
Will there be changes to my VISA Platinum Credit Card?
No, your VISA credit card will not be affected by the upgrade.
Will my mobile app change?
Yes. Please see instructions for It’sMe247 Mobile in the Mobile Banking section.
Why does the Mobile App state TBD in the schedule?
The mobile app must be certified by Apple’s App Store and the Google Play Store. This can take time and although we expect it sooner we can’t control this piece of the upgrade.
Will I receive new checks?
No, there are no changes to checks. When a new check order is placed the MICR number will be updated.
Will recurring or prescheduled bill pay items continue to post?
No, payments will need to be set up in the new system.
What can I do to prepare for the upgrade?
- Print or download any eStatements you may need as previous transaction history will not be available in the new system or online banking.
- Have extra cash on hand.
- Although Debit and ATM cards will be available, consider using a credit card for larger purchases.
- If you are traveling March 31-April 2 make sure you have cash or a backup payment method as your debit card may have lower limits while we upgrade our systems.
- Make sure you know your account (member) number.
- Make sure your phone number and email are up to date on your account. Feel free to call us to confirm!
- Print a copy or write down any of your automatic transfers that were set up in online banking to ensure they transferred into the new online banking system.
Schedule
PLAN AHEAD!
- Read this upgrade guide in its entirety. Watch our Website and Facebook page for notifications of services as they come online.
- We suggest verifying account balances and making an appropriate cash withdrawal prior to closing on Tuesday, March 31st.
MONDAY, MARCH 30, 2026
Bill Pay Users: Last day for payment processing. Make sure you have a list of your current payees to add in our new bill pay system, available on Friday, April 3rd.
TUESDAY, MARCH 31, 2026
Open until 6PM.
- As of 6PM, the following services will go offline: Online Banking, Audio Teller, and Mobile Banking. ATM & Debit Cards will be subject to offline limits until Thursday, April 2nd.
- ACH deposits received by 6PM will be posted prior to systems going offline. ACH deposit received after that time will be posted on Thursday, April 2nd.
WEDNESDAY, APRIL 1, 2026
All MACU branches will be CLOSED while systems are upgraded.
- Offline: Mobile App, Online Banking, Web Bill Pay, and Audio Teller. ATM & Debit Cards will be subject to offline limits until Thursday, April 2nd.
THURSDAY, APRIL 2, 2026
All MACU branches will be CLOSED while systems are upgraded.
- If you normally receive your paycheck early (Thursday) please be aware that it may not be available until Friday, April 3rd.
- ATM & Debit Card limits return to normal.
FRIDAY, APRIL 3, 2026
All MACU branches will be OPEN!
- NEW It’sMe247 Online Banking will be available; first-time login instructions are provided in the online banking section.
- Call Center: Our credit union phone number (419) 422-5626 will be answered by a call center as we expect an increased call volume in the initial days after the system upgrade. The call center can assist you with establishing your new online and mobile banking sign-on, relay your account balance(s), transfer money, etc. The call center will be available 9:00am to 5:00pm Monday-Friday, through Thursday, April 16.
SATURDAY, APRIL 4, 2026
All MACU branches will be OPEN!
Extended Hours until 2pm.
All branch lobbies will be open.
Week of APRIL 6, 2026
New Mobile Apps will be available within the first week of the upgrade pending app store certification by Apple & Google. Enrollment instruction can be found in the mobile banking section.
What can I do to prepare for the upgrade?
- Print or download any eStatements you may need as previous transaction history will not be available in the new system or online banking.
- Have extra cash on hand.
- Although Debit and ATM cards will be available, consider using a credit card for larger purchases.
- If you are traveling March 31-April 2 make sure you have cash or a backup payment method as your debit card may have lower limits while we upgrade our systems.
- Make sure you know your account (member) number.
- Make sure your phone number and email are up to date on your account. Feel free to call us to confirm!
- Print a copy or write down any of your automatic transfers that were set up in online banking to ensure they transferred into the new online banking system.
Online Banking
New Online Banking
Upgrading our system enables us to provide
you with exciting new products and services!
It’sMe247 Online Banking will have a fresh
new look along with new features, such as:
- Improved Loan Applications
- Open & Rename Shares/Savings
- Purchase New Certificates of Deposit
- Place a Stop Payment on a Check
- Set up Scheduled Transfers
- “Jump” to your joint accounts without logging out of your primary account. Please contact MACU to set up this feature.
- Adjust how your direct deposit and other electronic deposits are handled.
- Review loan payoff amounts
- Download transaction activity to QuickBooks
- Read important messages from MACU
- Set up transfers to/from your account at another financial institution
- Securely pay someone else through Pay A Person
Getting Started
- Enrollment: Your existing online credentials will not be carried over. You will need to enroll in It’sMe247 Online Banking, which can be done starting on April 2.
- Authentication: It is important you have a correct cell phone number and/or email address on file to receive an authentication code.
- Accessing It'sMe247 Online Banking: You will continue to use www.millstreamcu.com to access our Online Banking platform.
First-Time Login Instructions
- Visit MillstreamCU.com.
- In the login box at the top left of the screen click on First Time User.
- You will be taken to a screen to enter your Account Number and the Social Security Number of the Primary Account Holder.
- You will choose to receive a text message or email for an authentication code to the cell phone or email address on file.
- Follow the on-screen instructions to finish setting up your account.
Note: The username and password you create during your first-time login will also be used to log in to mobile banking.
Bill Pay
- Access: Bill Pay can be accessed through It’sMe247 Online Banking and the Mobile App. No additional sign-on or passwords to remember.
- Next Day Delivery: Most electronic payments are delivered as soon as the next business day.
- Instant Access: You can enroll in Bill Pay directly from It’sMe247 Online Banking and begin using it immediately.
- Easy to Set Up: Follow simple point and click instructions.
- Set Up Recurring Payments: Like mortgage, utilities, insurance premiums, daycare, etc.
- Pay Multiple Bills simultaneously without having to leave It’sMe247.
- View Bill Pay History without having to leave It’sMe247.
- eBills: You will have the option to receive bills electronically if offered by the billing company.
- Checking: A checking account is required to utilize Bill Pay.
Mobile App
Getting Started
New Mobile Apps will be available within the first week of the upgrade pending app store certification by Apple and Google.
- Apple users will have the option to upgrade their current MACU app after the system upgrade.
- Android users will need to delete your old app and search for MACU It’sMe247 in the app store. If you have not already established your new sign-on credentials in online banking, you will need to follow the instructions from the Online Banking section.
- Login Credentials: You will use the same username, password, and security questions for both It’sMe247 Online Banking and Mobile App. Refer to the Online Banking section for instructions.
New Features
- View Pending Transactions
- Use Card Controls to lock & unlock your card, set spending alerts, & more.
- View your credit score through SavvyMoney.
- Customizable favorite features.
- Deposit checks from wherever you are, whenever it is convenient for you.
- Send money to others through Pay A Person.
Text Banking
Get quick information about your MACU accounts with our new It’sMe247 Text Banking. With Text Banking you can send a text command and receive generated replies for account balances. This service is available 24/7/365. There is no fee from MACU to use Text Banking, but your mobile carrier’s standard text messaging fees will apply.
How To Enroll
- Log in to It’sMe247 Online Banking at MillstreamCU.com.
- Click the ‘Go Mobile’ button on the toolbar.
- Select Text Banking Home.
- Follow the prompts to enroll.
- After enrollment, text commands to IM247 (46247).
- A list of text commands will be provided to you during the enrollment process.
SavvyMoney
A Smart Solution to Manage your Financial Future!
With SavvyMoney, you have access to your credit score and full credit report along with easy-to-use digital tools.
The personalized guidance can empower you to take control of your financial health and make better financial decisions.
- Credit Score Analysis
- Credit Score Simulator
- Financial Checkup
- Education & Tools
- Monitoring & Alerts
This service will be available for members aged 18+. If you choose not to use SavvyMoney, you have the option to un-enroll.
New Payment Options
PAY A PERSON
Pay A Person is a person-to-person (P2P) transfer option to send money to another individual via email or text message - without having to know each other’s account numbers.
Access to this service will be within It’sMe247 Online Banking and the Mobile App under “Move Money”. You must have a valid email on record with MACU and a checking account to utilize this service.
ACCT-TO-ACCT TRANSFERS
Account-to-Account (A2A) transfers enable you to send or receive funds between your MACU account and your account at another financial institution. This service is designed to offer you a convenient and flexible way to manage your finances.
Access to this service will be within It’sMe247 Online Banking and the Mobile App under “Move Money”. You must have a valid email on record with MACU and a checking account to utilize this service.
(Current external transfers will not carry over to the new system and will need to be re-established.)
A quick and convenient way to make loan payments! With MessagePay, members can receive payment reminders via text message and subsequently pay with their preferred mobile device. Payment methods allowed include ACH and debit cards.
QuickBooks Integration
As your financial institution completes its system conversion, you will need to modify your QuickBooks Online settings to ensure that your data connectivity transfers smoothly to the new system. This document contains instructions for both connectivity types (Express Web Connect and Web Connect).
These instructions refer to two “Action Dates.” The 1st Action Date and 2nd Action Date in the instructions will be provided to you by your financial institution.
IMPORTANT: Express Web Connect will not be available until 5 business days after the 2nd Action Date, so please utilize another connectivity type if you need transaction updates during this downtime.
QuickBooks Online Express Web Connect
On the 1st Action Date:
- Complete a final transaction download.
- Complete last transaction update before the change to get all of your transaction history up to date.
- Accept all new transactions into the appropriate registers.
On the 2nd Action Date:
Disconnect online banking connection for accounts connected to the financial institution that is requesting this change.
- Select Banking from the left column.
- Click the account you want to disconnect, then click the Pencil Icon on the corner of that account box.
- Click Edit Account Info.
- Check the box next to Disconnect this Account on Save.
- Select Save and Close.
- Repeat steps for any additional accounts that apply.
Complete 5 business days after 2nd Deadline Date:
1. Reconnect online banking connection for accounts that apply.
a. On the Banking page, click Add Account in the upper-right side of the screen.
b. Type your financial institution’s name and choose the correct option from the results.
c. Enter your financial institution credentials and click Continue. Express Web Connect uses the same credentials you use for your institution’s online banking.
d. Provide additional information, if requested.
e. Ensure you associate the accounts for your financial institution to the appropriate account already listed under Which accounts do you want to connect? Choose the matching accounts in the drop-down menu.
Important: Do NOT select “+Add New” unless you intend to add a new account to QuickBooks Online. If you are presented with accounts you do not want to track in this QuickBooks Online Company, Uncheck the box next to the Account Name.
f. After all accounts have been matched, click Connect and then click Finish.
2. Exclude Duplicate Transactions.
a. Select Banking from the left column.
b. In the For Review section, click the checkboxes for the transactions you want to exclude.
c. Choose Batch Actions > Exclude Selected.
QuickBooks Online Web Connect
On the 1st Action Date:
- Complete a final transaction download.
- Complete last transaction update before the change to get all of your transaction history up to date.
- Accept all new transactions into the appropriate registers.
On the 2nd Action Date:
1. Disconnect online banking connection for accounts connected to financial institution that is requesting this change.
a. Select Banking from the left column.
b. Click on the account you would like to disconnect, then click the Pencil Icon on the corner of that account box.
c. Click Edit Account Info.
d. Check the box next to Disconnect this Account on Save.
e. Click Save and Close.
f. Repeat steps for any additional accounts that apply.
2. Reconnect online banking connection for accounts that apply.
a. Download a Web Connect file (.qbo or .qfx) from your financial institution’s online banking site.
b. In QuickBooks Online, choose Banking from the left column.
c. Click File Upload in the upper-right side of the screen and use the upload dialog to locate the Web Connect file you downloaded in step a.
d. Choose the appropriate account from the drop-down menu under QuickBooks Account and then click Next.
Important: Do NOT choose “+Add New” in the drop-down menu unless you intend to add a new account to QuickBooks Online.
e. When the import is finished, click Let's go!
f. Review the For Review tab on the Banking page to view what was downloaded.
g. Click Next, and then click Done.
h. Repeat this step for each account that you have connected to this institution.
Audio Teller
Get account balances, review recent transactions, make transfers, and more through our secure touchtone telephone banking system.
First-time use:
Call 419-422-5626, choose option 1, and enter your member number.
- Enter your temporary pin (last four digits of the primary account holders social security number).
- You will then be prompted to enter a new PIN and press #.
- Confirm your new PIN.
Sample menu options:
- Account inquiries, including balances and recent transactions.
- Funds transfer.
- Hear current rates or calculate estimated loan payments.
- Change your PIN.
- Change to a different member number.
- Other CU Services-including locations and hours.
- Repeat this menu.
- End call.
- CU Talk Tutorial (press* to exit the tutorial and return to the main menu).
New Account Suffixes
New Account Suffixes
| Share Type | Current | New Suffix |
| Regular Savings | 1, 6, 240, 250, 400, 500, 800, 810, 820, 120, 130 | 000 |
| Special Savings | 20,50,80,110 | 010-029 |
| Christmas Club | 120,130 | 040-041 |
| Money Market | 300 | 050-051 |
| Primary Checking | 9, 3, 4, 140, 150, 170, 180 | 100-104 |
| Interest Bearing Checking | 10 | 100-104 |
| Fresh Start Checking | 70 | 100-104 |
New Loan Suffixes
| Loan Type | New Suffix |
| New Vehicle | 500-509 |
| Used Vehicle | 520-529 |
| Motorcycle | 540-549 |
| Recreational Vehicle | 560-569 |
| UCC Secured | 580-589 |
| Share Secured | 600-609 |
| Unsecured | 620-649 |
| Home Equity | 700-709 |
