Preparing for a Core Processing System Upgrade
In the coming weeks, InRoads will be upgrading its technology and moving away from a legacy core processing system. The upgrade will better position InRoads for the future by allowing us to leverage emerging technologies and deliver a more streamlined banking experience for our members that’s safe and secure for years to come.
While most of the changes will happen behind the scenes, there will be some service interruptions over the weekend of May 30 – June 1, prior to the upgraded system going live on Monday, June 2. Our team will work quickly and efficiently so this conversion is as seamless as possible, and keep you updated every step of the way.
A Note From Our President
Dear Valued Member,
Technology is constantly changing. Most smartphones require constant updates. After a few years, those phones become obsolete. Computer systems might have a longer shelf life, but they work in roughly the same way. The InRoads legacy core processing computer system, which has been running the credit union for many years, is nearly too old to be updated. Yes, our systems are working, but there’s no room for expansion or growth.
Among our core values is innovation. Specifically, InRoads continuously strives to deliver innovative solutions to meet the evolving needs of our members, embracing technology and forward-thinking ways to enhance your experience at your credit union. To fulfill that core value, a technology upgrade is needed. This will allow us to leverage emerging technologies and deliver a more streamlined banking experience that’s safe and secure while also efficient and upgradable for many years to come.
That’s the good news. However, as with any technology upgrade, there will be some service interruptions. While the technology upgrade will happen behind the scenes, it will require some brief disruptions over the weekend of May 30 – June 1 (Friday to Sunday), prior to the system upgrade going live on June 2 (Monday). Rest assured, the InRoads team will be working around the clock to ensure everything goes as planned and you experience as little downtime as possible.
I’d like to apologize upfront for any inconvenience this upgrade may cause. Additionally, I’d like to thank you for your patience. Following this technology upgrade, we’ll be updating our website as well as Digital Banking to a more modern look and feel – I am confident you will be happy with the results.
Please keep this Technology Upgrade Resource Guide nearby. In it, you’ll find information about any account changes that may affect you, details on service interruptions and how to access your money while the credit union is performing the upgrade, as well as what to expect on Monday, June 2.
Thank you for your understanding and patience as we make these necessary upgrades to your credit union. If you have questions, please call/text 503.397.2376, use InRoads LIVE, or stop by any branch.
Nathan Cox, President/CEO
[email protected]
Scheduled Downtime and Closures
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Branches, Contact Center, & InRoads LIVE
Branches, Contact Center, & InRoads LIVE
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Digital Banking
Digital Banking
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ATM Deposits
(Cash and Check)ATM Deposits
(Cash and Check) -
ATMs
ATMs
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Debit Cards
Debit Cards
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Credit Cards
Credit Cards
Friday, May 30
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Branches, Contact Center, & InRoads LIVE
Closing at 4:00pm
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Digital Banking
Intermittent availability until 4:00pm, then unavailable
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ATM Deposits
(Cash and Check)Will not have immediate availability after 4:00pm
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ATMs
Available with lower withdrawal limits after 4:00pm
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Debit Cards
Available, but purchases may be limited
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Credit Cards
Available
Saturday, May 31
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Branches, Contact Center, & InRoads LIVE
Closed
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Digital Banking
Unavailable
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ATM Deposits
(Cash and Check)Will not have immediate availability
-
ATMs
Available with lower withdrawal limits
-
Debit Cards
Available, but purchases may be limited
-
Credit Cards
Available
Sunday, June 1
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Branches, Contact Center, & InRoads LIVE
Closed
-
Digital Banking
Unavailable
-
ATM Deposits
(Cash and Check)Will not have immediate availability
-
ATMs
Available with lower withdrawal limits
-
Debit Cards
Available, but purchases may be limited
-
Credit Cards
Available
Monday, June 2
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Branches, Contact Center, & InRoads LIVE
Opening at 10:00am
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Digital Banking
Available after 10:00am
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ATM Deposits
(Cash and Check)Available
-
ATMs
Available
-
Debit Cards
Available
-
Credit Cards
Available
Account Changes
Account Agreements
Effective June 1, 2025, your Member Service Agreement for both Consumer and Business accounts will be updated to modernize the language and reflect current practices.
- New Member Service Agreement (Original Member Service Agreement)
- New Business Service Agreement (Original Business Service Agreement)
How Dividends are Calculated
InRoads currently uses an Average Daily Balance to calculate dividends. This method looks at your entire account history for the month, adding up all the end of day balances and dividing by 30 to get an average balance. The dividend is then calculated based on this average daily balance.
Following the technology upgrade, this will switch to a Daily Balance method. Dividends will be calculated on each day’s ending balance, then all daily dividends will be added together to determine total dividends for the month.
Membership and Account Numbers
- A member will have only have one membership number.
If you currently have more than one membership, all of your accounts will be consolidated under one membership number. This will be your oldest membership number where you are the primary member. - Your account numbers will be changing. However, everything else will remain the same, including: Digital Banking login, checks, debit card, direct deposit, and ACH withdrawals. To ensure your accounts remain easily identifiable within Digital Banking, be sure to nickname your accounts before May 30. This can be done by navigating to Settings and then Account Preferences.
Statements
All of your accounts (except for mortgage and credit cards) will be reflected on one monthly statement.
FAQs
A core processing system upgrade involves the operating software that runs the credit union. Essentially, it’s like replacing the operating software on your home computer, with a similar outcome – faster processing and more reliability. The user experience is better and more efficient.
Providing our members with the best banking experience possible is very important to InRoads. This technology upgrade enables us to provide a more efficient and streamlined experience by optimizing both our security capabilities as well as operating efficiency.
During the upgrade, your InRoads debit cards will continue to work at retailers, gas stations, and more, with some purchases being limited, and your credit cards will not be affected. However, Digital Banking, InRoads LIVE, and branch access will not be available from May 30 at 4:00pm through June 1.
Yes. Your accounts, loans, and money will be safe during the upgrade process, and as always, backed by the National Credit Union Administration’s (NCUA) Share Insurance Fund.
Here for You
If you have any questions about the upcoming Technology Upgrade, please call/text us at 503.397.2376, use InRoads LIVE, or stop by any branch.