TruWest System Upgrade
February 27 through March 2, 2026
Important Upgrade Information
Service Availability
NOTE: Any transactions made during the upgrade, as well as those already scheduled will post by end of day on March 3.
| Friday, February 27 | Saturday, February 28 Sunday, March 1 Monday, March 2 |
Tuesday, March 3 | |
| Financial Service Centers |  |
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| Contact Center | |
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| Online & Mobile Banking |  |
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| Zelle® | |
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| Transfers | |
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| Deposits and Withdrawals | |
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| Making Online Payments |  |
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| ATMs (Deposits & Withdrawals only) | |
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| TruWest Visa® Credit and Debit Cards | |
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| Telephone Banking | |
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Plan Ahead
- Complete any bill payments, transfers, and cash withdrawals before February 27. Bill Pay and other transactions (including Zelle®) will be unavailable and delayed until after the upgrade.
- Review your contact information in Online or Mobile Banking to ensure your mailing address, email and phone number are up to date.
- Review your digital banking access and confirm login information and authorized signers. Beginning Tuesday, March 3, all accounts you are listed on will appear under one Online and Mobile Banking login. Anyone using your login will be able to view all these accounts. You may wish to update your login credentials.
- Stay informed by checking back here frequently for additional details, FAQs and the latest information.
What's Changing?
Starting March 3, you may notice some minor changes.
An Enhanced Online Banking Account View
If you are listed on another person’s account and use the same Online and Mobile Banking login, all associated accounts will appear under that login—in one streamlined view. If you do not currently have your own individual Online and Mobile Banking username and password, you will be able to create one. If you already have your own login, no action will be required.
Account Loan Suffix View
You may notice your account numbers have leading zero’s, resulting in a 4-digit number. For example, if you have an account number that currently reads as “1” or “141”, this will begin displaying as “0001” or “0141”. This update will have no impact on your accounts and no action is required.
Account Nicknames
If you currently use nicknames to name your accounts (i.e. “John’s Savings”), you will need to rename these accounts. This can be done in Online Banking by selecting My Settings in the upper menu.
Telephone Banking
Once the upgrade is complete, all Telephone Banking members will be required to re-enroll before using the system. Re-enrollment is simple and can be completed using your member ID by following the prompts when you call. Telephone Banking can be reached at (800) 521-1272, or by selecting option 1 at 1 (855) 878-9378.
FAQs
Most Common Questions
Will Zelle® be available during the upgrade?
No. Zelle® will be temporarily unavailable after 6:00 PM (MST) on Friday, February 27. Online and Mobile Banking services, including Zelle®, are expected to be restored by Tuesday, March 3.
How do I make a bill payment during the upgrade?
Bill Pay services will be unavailable to submit new payments during the system upgrade. Any payments scheduled by 2:00 p.m. (MST) on Friday, February 27 will be processed by the end of day on Tuesday, March 3.
What will happen to my electronic deposits (ACH, Payroll, Social Security, Venmo, Zelle® , etc.) during the upgrade?
Any scheduled electronic deposits or transfers will continue without interruption. However, if they are not processed by 5:30 PM (MST) on Friday, February 27, they will by the end of day on Tuesday, March 3.
General Information
What system is being upgraded and why?
TruWest will be updating the technology that supports your accounts and daily banking services. This upgrade is an important investment in the future—one that strengthens the technology behind your accounts and positions TruWest for continued innovation, efficiencies and growth. While the upgrade itself primarily affects internal systems, it will allow us to deliver an even better banking experience in the years ahead.
When is the system upgrade?
The system upgrade is scheduled to begin Friday afternoon, February 27, and be completed by Tuesday, March 3, 2026.
What services will be impacted during the upgrade?
Our Financial Service Centers, as well as Online and Mobile Banking services and transactions will be temporarily unavailable Friday afternoon, February 27 through Monday, March 2, 2026.
What should I do to prepare for the upgrade?
We encourage you to prepare by completing any unscheduled bill payments, transfers, and cash withdrawals before February 27, as some services will be unavailable or delayed. Review your contact information in Online and Mobile Banking to ensure your mailing address, email address, and phone number are current. Beginning Tuesday, March 3, all accounts you are listed on will appear under one Online and Mobile Banking login. Anyone using your login will be able to view all these accounts. You may wish to review your account’s authorized users and update your login information as needed.
Will my personal information be at risk during the upgrade?
No. The credit union will continue to maintain the strictest standards of security during the upgrade. As always, please do not share your Online Banking username, password or one-time codes with anyone. If you are unsure about any communications you receive, please contact us at 1 (855) 878-9378.
Financial Service Centers & ATMs
Will Financial Service Centers be closed during the upgrade?
Our Financial Service Centers will be open during normal business hours on Friday, February 27, and will be closed on Saturday, February 28, through Monday, March 2. Our locations will reopen for normal business hours on Tuesday, March 3.
Will ATMs be available during the upgrade?
TruWest and CO-OP ATMs will be available for deposits and withdrawals during the upgrade; however, balance inquiries will be unavailable. Transactions made at either TruWest or CO-OP ATMs during the upgrade will be posted by the end of day on Tuesday, March 3.
How can I access money during the upgrade?
If you need money during the upgrade, you can continue using TruWest and CO-OP ATMs as well as your TruWest Visa® credit or debit card.
Online & Mobile Banking
Will Online and Mobile Banking be available during the upgrade?
All Online and Mobile Banking services (including the TruWest App) and account information will be temporarily unavailable after 6:00 PM (MST) on Friday, February 27. Services are expected to be restored by Tuesday, March 3. You will not need to redownload the app after the upgrade.
How can I check my balances or other transaction history while Online and Mobile Banking is unavailable during the upgrade?
All Online and Mobile Banking services and account information will be temporarily unavailable during the upgrade. We encourage you to review your account information prior to Friday, February 27 and make note of any balances or account history needed during the downtime. Online and Mobile Banking services are expected to be restored by Tuesday, March 3.
Will my Online and Mobile Banking username and password change?
No. Beginning Tuesday, March 3, you may continue using your existing Online and Mobile Banking username and password. For easier access and clarity, all accounts you are listed on will appear under one Online and Mobile Banking login in a single, streamlined view. Anyone using your login will be able to view these accounts. You may wish to review your account’s authorized users and update your login information as needed.
What if I'm listed on another person's account?
Beginning Tuesday, March 3, if you are currently listed on another person’s account and use the same Online and Mobile Banking login, all associated accounts will appear under that login. If you do not currently have your own individual Online and Mobile Banking username and password, you will be able to create one. If you already have your own login, no action will be required.
Will Zelle® be available during the upgrade?
No. Zelle® will be temporarily unavailable after 6:00 PM (MST) on Friday, February 27. Online and Mobile Banking services, including Zelle®, are expected to be restored by Tuesday, March 3.
Will my account "nicknames" change in Online and Mobile Banking?
Yes. Beginning Tuesday, March 3, if you currently use nicknames to name your accounts (i.e. “John’s Savings”), you will need to rename these accounts. This can be done in Online Banking by selecting My Settings in the upper menu.
What if I have multiple accounts?
Beginning March 3, if you currently access multiple accounts with different logins, they will appear in one combined view under the account holder’s most recently used login. If you find a login is not working, please try one of your other frequently used TruWest username/password login combinations.
Will I still be earning on my Rewards Checking account over the system ugrade weekend?
Yes. If you have a Rewards Checking account and you qualify for rewards, you will continue earning during the upgrade.
Cards, Payments, Deposits
Will I be able to use my TruWest Visa® credit or debit card during the upgrade?
Yes. There will be no impact to your TruWest Visa® credit or debit card during the upgrade. However, some transactions may be limited. Any transactions made during the upgrade will be posted by the end of day on Tuesday, March 3.
Will my card number or pin change?
No.
How do I make a bill payment during the upgrade?
Bill Pay services will be unavailable to submit new payments during the system upgrade. Any payments scheduled by 2:00 p.m. (MST) on Friday, February 27 will be processed by the end of day on Tuesday, March 3.
What will happen to my electronic deposits (ACH, Payroll, Social Security, Venmo, Zelle® , etc.) during the upgrade?
Any scheduled electronic deposits or transfers will continue without interruption. However, if they are not processed by 5:30 PM (MST) on Friday, February 27, they will by the end of day on Tuesday, March 3.
After the Upgrade
What will be changing after the upgrade?
While the upgrade primarily impacts internal systems, you may notice a few minor changes. In Online and Mobile Banking, all accounts you are listed on will appear under one login in a single, streamlined view. Account numbers may appear slightly different, with leading zeros added to the account or suffix numbers. If used, account nicknames will need to be re-created. Telephone Banking users will need to re-enroll. For more information on these changes, please review the relevant sections of these FAQs.
Will my member or account numbers change?
No. However, beginning March 3, you may notice your account numbers have leading zero’s, resulting in a 4-digit number. For example, if you have an account number that currently reads as “1” or “141”, this will begin displaying as “0001” or “0141”. This update will have no impact on your accounts and no action is required.
Will I be notified when the upgrade is complete?
The system upgrade is scheduled to be completed by Tuesday, March 3. On that day, Financial Service Centers will be open during regular business hours, and Online and Mobile Banking services will be restored. Check back on this site or follow us on social media for the latest updates.
Should I do anything if I am listed on another person's account?
Beginning Tuesday, March 3, if you are currently listed on another person’s account and use the same Online and Mobile Banking login, all associated accounts will appear under that login. If you do not currently have your own individual Online and Mobile Banking username and password, you will be able to create one. If you already have your own login, no action will be required.
What if I have multiple accounts?
Beginning March 3, if you currently access multiple accounts with different logins, they will appear in one combined view under the account holder’s most recently used login. If you find a login is not working, please try one of your other frequently used TruWest username/password login combinations.
Will Telephone Banking be available after the upgrade?
Once the upgrade is complete, all Telephone Banking members will be required to re-enroll before using the system. Re-enrollment is simple and can be completed using your member ID by following the prompts when you call. Telephone Banking can be reached at (800) 521-1272, or by selecting option 1 at 1 (855) 878-9378.
Message from the CEO
“This upgrade is an important investment in our future—one that strengthens the technology behind your accounts and positions TruWest for continued innovation and growth.”
Communication and Support
Prior to the upgrade, you may contact us during normal business hours. During the upgrade, our contact center agents will be unavailable after 5:00 PM MST on Friday, February 27 through Monday, March 2. Agents will be available during extended business hours starting Tuesday, March 3. Please call 1 (855) 878-9378.
Disclosures
U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience.
Copyright © 2026. All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Visa® is a registered trademark of VISA U.S.A. Inc.
