May 2025 Digital Banking Refresh

Starting on May 15, you can download our all-new mobile banking app through your mobile app store.

• iOS users if you're not already setup for automatic updates, you'll just need to update your existing app - just look for the update in the App Store.
• Android users will first need to delete your existing Industrial Credit Union app and search the Play Store for "Industrial Credit Union," to download the new app.

Attention Business and Organization Accounts: 

Date of Business Open for non-individual type accounts is either the date the business or organization was opened, or it could be the Date of Birth of the primary owner. If you don’t use a Tax ID for your account, you would use the primary owner information. If you need additional assistance, please contact the credit union.

• Transfers & Payments
  All source and destination accounts show under this same tab.
  • Transfers and Payments between your Industrial accounts.
  • "Member to member" transfers (when the receiving account has been saved as a destination account)
  • Transfers/payments between internal and saved external accounts.
• Bill Pay
  You can access Bill Pay directly through the left-hand navigation menu, or via the Move Money page. This is similar to our existing Bill Pay service. Existing payees and schedules will automatically be migrated from the old system. No need to set anything up.
  • We will pay bills electronically whenever possible. 
    When electronic payment is not an option a check will be sent.
  • Please note: if a check is sent to pay your bill, the funds will remain in your account until that check has cleared. The check will clear your account as if you had written it yourself- funds must remain available to cover the item.
  • As the bills are being sent by our new Bill Pay vendor, it is possible that a bill may not be paid via the same method (check/electronic) as it has been paid in the past.
• Wire Transfers 
  You will be able to initiate Domestic wires in the digital banking platform!
  Note: same day processing is not guaranteed. For potential same-day processing, requests must be received no later than 2:00pm.
• Skip Loan Payment
  The helpful option is available on the move money tab and the accounts screen. Qualifying loans will appear in the sidebar when you first login.
• Zelle
  The same convenient transfer service as previously offered, however, please note: payees will not transfer from old system. Zelle users will need to re-load all their Zelle payees. 

All cards for primary and joint owners will be shown in the Cards screen. Click on an individual card to view details and Card Controls.  

• Lock Card - You can now lock and unlock cards in real time for added security.
• Missing Card - Report a card lost or stolen and have it blocked.
• Damaged Card - Card damaged or de-magnetized? Now you can request a new card through digital banking. 

Everything in one place - initially, you'll have access to statements and tax documents, and more document types will be added down the road.

You'll also be able to manage your electronic document preferences from this screen.  

• Overdraft Services - Link your accounts for overdraft transfer coverage and manage your courtesy pay preferences.
• Stop Payments - Now, in addition to placing, editing and deleting Check stop payments, now you can also submit ACH stop payments.
  • Please note, to place a stop payment on an ACH within digital banking, it has to have already posted to your account, then you can place a stop payment to prevent future ACH withdrawals from that company. (i.e., when changing insurance providers).
• Order/Reorder Checks - Now you can place your first check order or reorders through digital banking, and even set your own check start number!
• Routing and Account Numbers - Industrial Credit Union's routing number and a full list of your ACH lookups are listed here for easy assistance setting up direct deposit, and electronic payments. 

Contact the credit union securely with questions, feedback or concerns by clicking on the envelope icon in the header/ribbon. You can also attach related documents for secure delivery. 

From the bell icon in the header, you can add and manage alerts under the Security tab.

• There is an extensive selection of alerts related to a variety of transaction types, balances, logins, transaction amounts etc. Check them out!
• You can also manage what devices receive these alerts, adjust profile and security settings, and access a number of customization options under the bell icon. 

To access your profile and settings, click on your initials in the upper right-hand corner of the page header. From there you can:

• Access Settings
  • Personal Information - View and update personal contact information.
  • Security - Add/manage alerts, add/manage additional users, change username/password, link authenticator apps for additional security.
  • Customization - Update theme/accessibility features and language preference.
• Obtain Support - Credit Union contact information.
• Look up Locations - Access Branch location information, hours and services as well as the Shared Branch directory. Listed locations are linked to Google maps for directions.
• Log Out from the platform 

• Must be between 5 to 32 characters.
• Cannot start with a number.
• Must use letters or numbers.
• The following characters ARE allowed:
  • abcdefghijklmnopqrstuvwxyz
  • ABCDEFGHIJKLMNOPQRSTUVWXYZ
  • 0123456789- !$*._@+=~

• Must be between 12 to 40 characters.
• Must contain at least 1 number and at least 1 special character.
• Must have at least 2 different characters than the last password used.
• Must have a minimum of 6 unique characters.
• Cannot repeat a character more than 3 times.
• The following special characters ARE allowed:
  • {}()[]#:;^,.?!|&_`~_@$%/=+-\*" 

No. Existing automatic payments and transfers are not affected by the upgrade.

All of your current Bill Pay payees and recurring payments will be converted to the new system. However, on the new platform, payments sent electronically will debit your account on the send date. If there are not sufficient funds for a payment at that time it will not be sent, and you will receive a notification.

For mailed checks, your account details will be printed on the check, and the check will clear your account like any other physical check you write. This means Bill Pay checks will clear your account when the payee deposits/cashes so funds will need to be available at that time to cover the check.

Please take note of the send date for any bills you have scheduled to go out in May. During the transition to new digital banking, bill payments will be paused - bills scheduled to be sent May 14th will be sent May 15th.

Yes, Mobile Check Deposit is available on the new system, however, you will need to re-register to use the service.

You can update the date, amount and/or frequency. However, if you wish to update the account you are transferring from or to, you will need to delete and create a new scheduled transfer.

The new digital banking platform has many new and exciting features and most of items you are already familiar with have been enhanced. However, due to low usage, the Money Management budget tracker will not be a feature of the new platform.