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System conversions are a natural part of growth for any credit union, helping to bring members faster, safer, and more convenient banking experiences. However, when your credit union upgrades to a new digital platform or financial core, it’s important to make sure your direct deposit transfers smoothly. Missing even one paycheck can cause unnecessary stress, so taking a few minutes to review and update your details can save time and worry.
This guide walks you through everything you need to know about switching your direct deposit after a credit union system conversion, how to notify your employer, and what steps ensure your funds land safely in your account.
A credit union system conversion occurs when a financial institution transitions its technology infrastructure — often including online banking, mobile access, and transaction processing — to a new provider. This upgrade can deliver improved security, new features, and better account management tools.
For instance, after a system conversion, you might notice a refreshed online banking interface or new account numbers associated with your checking and savings accounts. These changes are part of the modernization process that helps your credit union operate more efficiently and securely.
During this time, your direct deposits — paychecks, retirement benefits, or government payments — might require a quick update to ensure they continue to post correctly to your new account setup.
To learn more about how these updates improve your experience, visit West Orange Municipal Federal Credit Union’s Online Services page.
When a credit union completes a system conversion, account numbers, routing numbers, or internal processing systems may change. Even if the credit union tries to redirect your deposits automatically, it’s always best to double-check your details.
Here are the main reasons to update your direct deposit information:
It’s also wise to review your most recent paystub or deposit confirmation. If the deposit shows any delay or an unfamiliar posting description, that’s your cue to verify your new account information right away.
The process to switch your direct deposit after a system conversion is simple, but accuracy matters. Here’s how to do it:
1. Gather Your New Account Details
After the conversion, log in to your new online banking system or contact your credit union directly to obtain your updated account number and routing number. Always use the information printed on your new checks or account statement.
2. Contact Your Employer or Payment Provider
Reach out to your HR department, payroll team, or benefits provider. Inform them that your credit union has undergone a system conversion and that your account information has been updated. Provide your new account and routing numbers using your employer’s direct deposit authorization form.
If you receive multiple deposits (for example, a paycheck and Social Security benefits), be sure to update each one. For government deposits, you can make changes online at GoDirect.gov — the official U.S. Treasury site for managing electronic payments.
3. Monitor Your Next Two Pay Periods
Once your employer updates the information, it typically takes one to two pay cycles for the change to take effect. During this time, watch your account activity carefully. If a deposit does not appear when expected, contact your payroll department or credit union immediately to confirm whether it was sent to the correct account.
4. Notify Any Automatic Payment Services
If you use automatic withdrawals linked to your old account (for bills, rent, or loans), update those payment methods as well. This ensures that both incoming and outgoing funds align with your new system information.
Will my old account still receive deposits after the conversion?
Usually, there’s a short grace period during which both systems process transactions, but this isn’t guaranteed. It’s best not to rely on that window — update your direct deposit details as soon as possible.
Can I use my old debit card?
After a conversion, you may receive a new debit or ATM card with enhanced security. Activate it immediately and safely dispose of your old one.
Do I need to update my mobile payment apps?
Yes, if you use apps like Venmo or PayPal, ensure they’re linked to your updated account to prevent failed transfers.
Security is a top priority during any system conversion. Always confirm that communications about account updates come directly from your credit union. Never share personal or financial details over unsolicited emails or calls.
The National Credit Union Administration (NCUA) provides additional protection to your deposits up to at least $250,000 per account ownership category. You can read more about deposit safety and insurance coverage at the NCUA official website.
A successful credit union system conversion sets the foundation for more reliable and user-friendly financial services. Once your direct deposit is switched over and verified, take advantage of the new tools your credit union offers — such as updated mobile apps, faster transfers, and improved account alerts.
At West Orange Municipal Federal Credit Union, the goal of every upgrade is to give members greater convenience, security, and peace of mind. Staying proactive about your account information ensures you get the full benefit of these improvements — and keeps your finances running smoothly with every paycheck.
By taking a few small steps now, you can enjoy a seamless transition and continue receiving your funds without interruption — while trusting that your local credit union is evolving to serve you better every day.
