NOVEMBER 1st SOFTWARE CONVERSION

To serve you better, we are converting to all-new banking software. Carefully review the following information to learn how this conversion will effect you. View our growing library of Videos and Click-thru Demos for our new products on our DEMOS page. Share Advantage thanks our Members for your continued membership, support, and patience as we work to grow our products & services. Our staff has been diligently working to bring these new products to you and training hard to assist you through this banking software conversion.


DATES - Mark Your Calendar!

FRIDAY, OCTOBER 30th @ NOON |

OUR CURRENT ONLINE BANKING, MOBILE BANKING, AND MOBILE DEPOSIT WILL NO LONGER BE AVAILABLE.


SATURDAY, OCTOBER 31st

CLOSED


MONDAY, NOVEMBER 2nd |

OPENING LATE (To Be Announced)


TUESDAY, NOVEMBER 3rd |

New Online Banking available **TO USE, LOGIN or ENROLLMENT REQUIRED -- INSTRUCTIONS BELOW**

New Mobile App available **TO ACCESS, LOGIN or ENROLLMENT IN THE NEW ONLINE BANKING IS REQUIRED FIRST**



IMPORTANT...

ON or AFTER TUESDAY, NOVEMBER 3, 2020... OUR NEW & IMPROVED ONLINE BANKING WILL REQUIRE A QUICK LOGIN or ENROLLMENT. LOGIN or ENROLLMENT IN OUR NEW ONLINE BANKING IS REQUIRED BEFORE LOGGING INTO OUR NEW & IMPROVED MOBILE APP... FOR CURRENT/PREVIOUS ONLINE BANKING USERS, A QUICK LOGIN IS REQUIRED (See "New Online Banking Login Instructions" below). IF NEVER ENROLLED IN OUR PREVIOUS ONLINE BANKING, COMPLETE ENROLLMENT IN OUR NEW ONLINE BANKING BY CLICKING "First time User? enroll in online banking".

**If you experience a problem, we ask for your patience... our website, new online banking, and our phone lines will be experiencing a HIGH VOLUME OF TRAFFIC. It is recommended, if you do not need to immediately access the new online banking, to wait out the high traffic the initial days after our conversion.**

Note to Current Bill Pay Users...

If you are a current Bill Pay user and want to continue using Bill Pay, you will need to document your Payees & their information BEFORE THURSDAY, OCTOBER 29th. Unfortunately, your Payees & their information will not convert to the new Bill Pay system. From October 29th and until you log into our new Online Banking and enroll in the new Bill Pay system --ON or AFTER TUESDAY, NOVEMBER 3rd-- you will need to make an alternative payment plan for any bills you would have paid with Bill Pay. Once enrolled in the new Bill Pay system, you will need to add your Payees and their information into the new Bill Pay system. We sincerely apologize for this inconvenience. IMPORTANT: To use our new Bill Pay system, your membership will require a Checking Account.





**ON or AFTER TUESDAY, NOVEMBER 3rd --if never enrolled in our previous online banking-- complete enrollment in our new online banking by clicking our Online Banking Login button and then selecting "First time User? enroll in online banking".**

NEW ONLINE BANKING LOGIN INSTRUCTIONS:

**FOR CURRENT/PREVIOUS ONLINE BANKING USERS - ON or AFTER TUESDAY, NOVEMBER 3rd**

1. Click our "Online Banking Login" button

2. Enter your temporary Logon ID. YOUR TEMPORARY LOGON ID IS YOUR MEMBER NUMBER. (6-digits minimum)

If your member number shorter than 6-digits, add enough zeros (0) before your number to make it 6-digits (Ex: 1234 will be 001234). Do not include any specific account/loan suffix like S1, S4, or L2. NOTE: For security purposes, we do not give Member Numbers over the phone; please check old receipts, statements, or loan paperwork for your number.

3. Enter your temporary Security Code. YOUR TEMPORARY SECURITY CODE WILL BE THE LAST-FOUR DIGITS OF THE PRIMARY MEMBER'S SOCIAL SECURITY NUMBER (Do not use old passwords)

4. Create a new Logon ID. (Ex: Summer01) For your account's security, you cannot use your: Member Number, SSN, or email. Click on the question mark (?) to view the new Login ID requirements. (KEEP YOUR LOGON ID A SECURE PLACE)

5. Create a new Security Code (case sensitive). Click on the question mark (?) to view the new Security Code requirements. (KEEP YOUR SECURITY CODE IN A SECURE PLACE)

6. Create 3 New Security Questions and Answers (answers are case sensitive; KEEP YOUR SECURITY ANSWERS IN A SECURE PLACE)

7. (Optional) Download our all-new mobile app and log into it with your newly created Logon ID & Security Code. Available for FREE in Google Play & Apple App stores. Search SACU or Share Advantage.

**If you experience a problem, we ask for your patience... our website, the new online banking, and our phone lines may be experiencing a HIGH volume of traffic. If you do not need to immediately access the new online banking, it is recommended to wait-out the high traffic the initial days after our conversion.**

NEW & IMPROVED ONLINE BANKING

HIGHLIGHTS:

  • VISA Credit Card - View your credit card balance, due date, transaction history, and make payments all within your online banking without having to link away to another website
  • Stop Payment request - Now, easily request a Stop Payment within your online banking (fees apply; see our Cost Recovery Fee Schedule)

Members with a Checking Account can enroll in our new Bill Pay to use:

  • Bill Pay - Pay bills without giving your account information. Eliminate the need to purchase checks
  • Financial to Financial Transfer - Pull from and send money to your accounts at other Financial Institutions (fees may apply)
  • Pop-money - Send to or request money from friends electronically using only their email address or cellphone number registered with pop-money. Funds are sent directly from and deposited directly into your account. All without exchanging account information. (fees may apply)

IMPORTANT NOTE TO E-STATEMENT USERS: For the month of October, no e-statement will be provided, and all members will receive a paper statement FREE of charge. You can expect to see it in the mail sometime during the first two weeks of November. Postal delays may occur. Included with the October statement will be enrollment instructions for the new online banking ON or AFTER TUESDAY, NOVEMBER 3rd.



NEW MOBILE APP ACCESS INSTRUCTIONS:

**ON or AFTER TUESDAY, NOVEMBER 3rd**

1. LOGIN or ENROLLMENT IN OUR NEW ONLINE BANKING IS REQUIRED BEFORE YOU WILL BE ABLE TO LOG INTO OUR NEW & IMPROVED MOBILE APP (See instructions above)

2. Uninstall the current, separate Mobile Banking & Mobile Deposit Apps **Neither App will work after Friday, October 30th @ NOON**

3. Download our new & improved Mobile App ON or AFTER TUESDAY, NOVEMBER 3rd. Available for FREE in Google Play & Apple App stores. Search SACU or Share Advantage.

4. Login with your new Logon ID & Security Code you created during your enrollment in the new online banking

**If you experience a problem, we ask for your patience... our website, the new online banking, and our phone lines may be experiencing a HIGH volume of traffic. If you do not need to immediately access the new online banking, it is recommended to wait-out the high traffic the initial days after our conversion.**

NEW & IMPROVED MOBILE APP

HIGHLIGHTS:

  • Mobile Banking & Mobile Deposit combined
  • Images of Personal Checks written off your account will now be viewable in the app
  • After your first login, you will have the option to choose an alternate login verification method. Fingerprint ID or Face Recognition (Determined by your phone's capability)
  • Set alerts and push notifications

Members with a Checking Account can enroll in our new Bill Pay system within our new Online Banking to use:

  • Bill Pay - Pay bills without giving your account information. Eliminate the need to purchase checks
  • Pop-money - Send to or request money from friends electronically using only their email address or cellphone number registered with pop-money. Funds are sent directly from and deposited directly into your account. All without exchanging account information. (fees may apply)

Available for FREE in Google Play & Apple App stores on TUESDAY, NOVEMBER 3rd. Search SACU or Share Advantage.



Card Valet Icon

CARD VALET APP

HIGHLIGHTS:

  • Secure your DEBIT & CREDIT cards in one App
  • Set alerts, restrictions and turn your card(s) on & off

Available for FREE in Google Play & Apple App stores

IMPORTANT NOTE TO MY MOBILE MONEY USERS: As of September 14, 2020, the My Mobile Money App no longer worked to secure your DEBIT Card. To ensure your security settings on your debit card continue, you will need to add your debit card and your alerts & restrictions to the CardValet App. Advisement on this change was sent out at the end of August and again in September.


COMING SOON... MOBILE WALLET

We are excited to announce we are working on adding the ability for our DEBIT Cards to be used in your mobile wallet. Watch our website, our Facebook, and your email for an alert to its coming availability.

DEBIT Cards will work with the following mobile wallet providers:

Google Pay and Apple Pay coming soon



FAQs

CONVERSION

Q: What should I know going into the weekend of the CONVERSION? A: Our current Mobile Deposit, Online & Mobile banking will no longer be available. Note your account balances prior to FRIDAY, OCTOBER 30th @ NOON, as real-time balances will be unavailable. Debit cards, credit cards, and checks will continue to work; we do not anticipate any interruption in their usage. Plan an alternate payment method or a postponed payment date for large transactions. Night deposits will be processed at opening November 2nd.

Q: Will my ATM/DEBIT and CREDIT Cards work over Conversion weekend? A: Yes, but plan ahead for any special transactions and plan an alternate payment method or a postponed payment date for large transactions.

Q: Who should I contact if my DEBIT or CREDIT Card is lost, stolen, or has fraudulent charges on it? A: DEBIT Card issues call 1-833-462-0798 (Lost/Stolen, Fraudulent Charges, Card Blocks/Returning suspected fraud call, fraud disputes). CREDIT Card issues call 1-855-650-7809 (Lost/Stolen, Returning suspected fraud call, Billing Disputes, Payment Options).

Q: Will I be issued a new debit or credit card and PIN? A: No, all debit & credit cards and their PINs will remain the same.

Q: How will I receive my October statement? A: All Members --including e-statement users-- will receive a paper statement for October FREE of charge. You can expect to see your October statement in the mail sometime during the first two weeks of November. Postal delays may occur. Included will be enrollment instructions for the new online banking ON or AFTER TUESDAY, NOVEMBER 3rd.

Q: Will I need to update my direct deposit(s)? A: No. Your payroll or social security direct deposits will not need to be updated.

Q: Will the conversion impact automatic ACH/Electronic withdrawals taken directly from my account for my bills and other items? A: No. We do not anticipate any interruptions in your normal ACH/Electronic withdrawals taken directly from your account. (Ex: Netflix) (Bill Pay is not an ACH/Electronic withdrawal)

Q: Will the conversion impact my Bill Pay? A: Yes. Unfortunately, your Payees & their information will not convert to the new Bill Pay system. BEFORE THURSDAY, OCTOBER 29th, you will need to document your Payees & their information. From October 29th and until you complete the required enrollment in our new Online ON or AFTER TUESDAY, NOVEMBER 3rd, you will need to make an alternative payment plan for any bills you would have paid with Bill Pay. Once enrolled in the new Online Banking, you will need to enter your Payees & their information into the new Bill Pay system. IMPORTANT: To use our new Bill Pay system, your membership will require a Checking Account. We sincerely apologize for this inconvenience.

Q: Will this conversion impact my loan? A: No. The conversion will not impact your existing loan terms and we do not anticipate any interruption to your automatic scheduled loan payments.

Q: Will I still be able to access the CREDIT Card website at https://onlineaccessplus.com/oa/myshareadvantage/ ? A: Yes. Plus, once you enroll in the new Online Banking ON or AFTER TUESDAY, NOVEMBER 3rd, you will also be able to see your credit card balance, transaction history, and make payments all within the new Online Banking. The separate credit card website (above) will continue to be available to obtain your credit card statements, see a more detailed history, link your accounts at other financials to make payments, perform balance transfers, and enroll in e-statements.

Q: Will my old e-statements show in the new Online Banking? A: Yes. Though, no e-statement will be issued for the month of October. All Members --including e-statement users-- will receive a paper statement for October FREE of charge. You can expect to see it in the mail sometime during the first two weeks of November. Postal delays may occur. Included with the October statement will be enrollment instructions for the new online banking ON or AFTER TUESDAY, NOVEMBER 3rd.

Q: Will Share Advantage's routing number change? A: No. 291973645

Q: Are accounts safe and secure? How safe is this transition? A: Yes, accounts and personal information are secure. The safety and security of our members’ accounts and their personal information is always priority one. The new system uses the latest advances in data security. In addition, your funds are federally insured by the National Credit Union Administration.

Q: Will my personal information be safe and secure? A: Yes, we will continue to maintain the industry best practices and keep member security top of mind throughout the conversion. Member privacy and security are our priority during the transition, and the new system will provide even more safeguards to protect sensitive information. For peace of mind, we encourage you to review statements before and after conversion.

NEW PRODUCTS

Q: A lot of new products are coming... How can I easily & quickly learn more about them? A: View a new, growing library of VIDEOS & CLICK-THRU DEMOs for our new products on our DEMOs page.

Q: When and how do I access the new Online Banking? A: ON or AFTER TUESDAY, NOVEMBER 3rd... If you are a current/previous online banking user, you will need to login with the New Online Banking Login Instructions above. If never enrolled in our previous online banking, complete enrollment in our new online banking by clicking "First time User? enroll in online banking".

Q: When and how do I access the new Mobile App? A: ON or AFTER TUESDAY, NOVEMBER 3rd... Current/previous Online Banking Users will need to login into the new online banking first using the New Online Banking Login Instructions above. If never enrolled in our previous online banking, complete enrollment in our new online banking first by clicking "First time User? enroll in online banking". After accessing our new online banking, download and log into our new & improved mobile app with your newly created Logon ID & Security Code. App available for FREE in Google Play and Apple App stores; search SACU or Share Advantage.

Q: What if I do NOT know my Member Number which is required to access the new online banking? A: Please refer to past receipts, statements, or loan paperwork for your member number. For security purposes, we DO NOT give Member Numbers over the phone. Your member number would be in the format of: 123456 (excluding any account suffix attached like S1, S4, L2). If you are unable to find your member number, you will need to present your Photo ID at one of our offices and request it.

Q: Will my DEBIT card now work in a mobile wallet? A: Coming soon... your debit card will work in your Google Pay or Apple Pay mobile wallet. Watch our website and your email for its availability notice.

Q: How can I set alerts and restrictions on my DEBIT Card and CREDIT Card? A: DEBIT & CREDIT Cards can be secured using the CardValet App. You can set alerts, restrictions, and turn your card on & off. Available for FREE in Google Play and Apple App Stores. IMPORTANT NOTE TO MY MOBILE MONEY USERS: As of September 14, 2020, the My Mobile Money App no longer worked to secure your DEBIT Card. To ensure your security settings on your debit card continue, you will need to add your debit card and your alerts & restrictions to the CardValet App. Advisement on this change was sent out at the end of August and again in September.

Main Office
2502 Maple Grove Rd.
Duluth, MN 55811

Phone
(218) 722-5931

Fax
218-740-3080

 Map

Essentia Office
407 E 3rd St. Suite 0210
Duluth, MN 55805

Phone
(218) 740-2244

Fax
218-786-7229

 Map

West Duluth Office
4918 Grand Ave.
Duluth, MN 55807

Phone
(218) 740-2222

Fax
218-740-2255

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