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Consumers Credit Union welcomes KCT members!

Since the legal merger of KCT Credit Union and CCU on December 1, 2024, we've been working behind the scenes to help transition KCT members to CCU’s systems. This conversion will be complete on Monday, February 23, 2026. See below for detailed conversion guides and answers to frequently asked questions.

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Navigate the KCT & CCU Conversion Schedule

Knowing where to go and when is key to this conversion's success. For assistance, call us at 847.275.2228.

  • BRANCHES: KCT will close on Friday, February 20 and will reopen as CCU on Monday, February 23.
  • DIGITAL BANKING: KCT Bill Pay services will end on Tuesday, February 17, with online banking access ending on Friday, February 20. You can begin enrolling in CCU's Digital Banking on Monday, February 23.
  • DEBIT CARD: KCT debit card use continues through Sunday, February 22. Starting Monday, February 23, activate and begin using your CCU Visa debit card.
  • CREDIT CARD: KCT Visa credit card use continues through Sunday, February 22. Starting Monday, February 23, activate and begin using your CCU Visa credit card.

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This is your complete guide about the KCT & CCU merger.

Here are some details as KCT Credit Union moves to Consumer Credit Union's systems. Please know that we understand this change may require some extra effort on the part of our members. As The People In Your Corner®, we’re here to help smooth the conversion.
KCT Conversion Guide
Click the image or link to view the guide.

New Digital Banking Features for KCT Members

  • Zelle®(retail accounts only)
  • Chat with support team
  • Credit Card integration (no longer a separate KCT digital Card app)
  • Receive Instant Payments (via participating financial institutions)
  • Integrated Credit Card features
  • Search Digital Banking FAQs
  • Submit & Track Disputes 
  • Stop Payment for Checks
  • Open Accounts Online
  • Apply for Loans Online
  • Send Wires
  • Order Checks
KCT Business Guide
Click the image or link to view the guide.

New Digital Banking Features for KCT Business Members

  • New business dashboard with specific business banking features
  • Add additional users with different levels of access
  • Business Wires * 
  • Business ACH *
  • Positive Pay *
  • Check scanning capability with higher limits
  • Business Mobile Deposit *
  • Statement Uploads
*Requires enrollment
Fees may apply for some of these services 

 

Conversion Information

More information and frequently asked questions about this merger

No action for most members

  • Your current direct deposit and ACH payment activity will continue as normal.
  • If you do not receive a communication from us, no action is required.
  • If you are part of a group that requires action, you will receive a direct communication from us with the exact steps to take.
KCT’s branches will close after regular business hours on Friday, February 20. Please make sure you complete any necessary transactions by February 20. Branches will remain closed February 21 - 22, and reopen on Monday, February 23 as Consumers Credit Union branches. KCT members will then have access to all of CCU’s 15 branches.
For most KCT members, your member number will not change. For those whose member number was in conflict with other data, you will be notified separately of your new number. In addition, you will be informed in a future communication about changes to individual account numbers for savings, checking, loans, and mortgages.
You’ll still be able to make purchases as normal and withdraw cash from ATMs through Sunday, February 22, with your existing KCT debit card. Effective Monday, February 23, please activate and begin using your new CCU debit card, as your KCT debit card will no longer be functional. Debit card withdrawal limits will be increasing to $1,005/day.  Beginning Monday, February 23, cash deposits to CCU ATMs will be immediately available. See Funds Availability Policy Disclosure and Change in Terms for Electronic Funds Transfer Disclosure and additional limits: RETAIL disclosures | BUSINESS disclosures.

Starting Monday, February 23, you’ll need to re-enroll for electronic statements. Learn how to re-enroll for electronic statements and notices within CCU Digital Banking, on this page.  Or call us for assistance at 877.275.2228

Dividends and Statement Dates: For the period February 1 - 20, dividends will be paid, and a special statement will be generated for that time by KCT. In the first week of March, you’ll receive your first CCU statement, which will include dividends paid for February 21 - 28. 

After the merger, the terms of your auto and personal loans will remain the same, including your rate, term, payment amount, and due date. Your recurring ACH payments will automatically be transferred to the new system, so there’s no need to take any action. If you have an unsecured personal line of credit, you should have received additional communication regarding changes specific to that account. For additional payment options, please visit myconsumers.org/payments or call 877.275.2228. 
Primary members will retain their KCT member number unless otherwise notified.
Joint users will no longer share the same member number as the primary user.
If you have a KCT mortgage or Home Equity Line of Credit (HELOC), you will receive a separate letter outlining changes to your account, including making payments and digital access. If you have not received this letter by Monday, February 23, please call 877.275.2228.

How much transaction history, e-statements and bill pay information will carry over?

Transaction history that will be carried over into Digital Banking:

  • Checking accounts = 1 year
  •  Savings accounts = 6 months
  •  Certificate accounts = YTD
  •  Loans - Life of loan or all available
  •  Retirement accounts = YTD + 1 Yr
Statement History:
  •  2 years of e-Statement History will carry over 
Bill Pay History:
  •   Bill Pay history will not carry over

Deposit Based Transfers will no longer be supported

After February 20, these deposit-triggered transfers and loan payments will stop working. Your paycheck will still deposit as usual, but the related transfers and loan payments will not occur unless they are set up as Scheduled Transfers in CCU Digital Banking after conversion.

To set up Scheduled Transfers within CCU Digital Banking starting February 23:

  1. Log in to CCU Digital Banking.
  2. Look for the option titled “Move Money” in the main menu.
    Start by selecting the account you want to transfer money from, and then the account you want to transfer money to.
  3. Enter the amount you’d like your transfer to be, then, under the “Send Transfer” drop-down menu, choose “Scheduled”. This will allow you to select a future start date and set the frequency of your transfer – such as weekly, biweekly, or monthly.
    Note: You can also add a memo with info about your transfer in this section if you like.
  4. Once everything is set, click Review, then Confirm Transfer to complete the setup. Your automatic transfers will now process going forward based on the schedule and information that you have provided.

 

February 20 - February 22 
The conversion weekend, during which KCT members are transitioned to CCU’s systems, will take place from February 20 to February 22. Due to the conversion, some systems will be unavailable during this time.

Digital Banking and Mobile App:
  • Unavailable on Friday, February 20
  • Restored Monday, February 23
Branches:
  • Closed on Saturday, February 21
  • Reopen on Monday, February 23
ITM Video Tellers:
  • Unavailable on Saturday, February 21
  • Resume on Monday, February 23
We recognize that this may cause some inconvenience, and we appreciate your patience and understanding.

The combination of the two companies ensures a bright future for members and employees of both institutions. Members will have access to a larger branch network, enhanced digital tools and a broad range of products and services.

We are planning for KCT to complete the transition to CCU systems, Monday, February 23, 2026.

For members with current accounts at both institutions, KCT and CCU accounts will be preserved through conversion, along with any associated credit or debit cards. For example, a member who holds a checking account with a debit card at KCT, as well as a checking account with a debit card at CCU will continue to have two separate checking accounts, with two cards after the system conversion is complete. 

To make sure you’re fully prepared for this transition, here are two simple things to do:
  1. Double-check your contact information and make sure your mailing address, e-mail address and phone number(s) are correct. Make any necessary updates through Online Banking, by visiting any KCT branch location or by filling out the Change of Address form located on the KCT website. Note that a valid, updated ID is required to change your address in person at a branch.
  2. Visit and bookmark this merger landing page: www.myconsumers.org/KCT
A few features will no longer be available or will function differently after the update:
  • Spanish language option will no longer be supported.
  • Certain transfer frequencies may not be available.
  • Check images will only be accessible within your digital banking account history. They will not appear in your new eStatements.
  • KCT Digital Card App (DCA) will be discontinued. Card details and management will be integrated into CCU Digital Banking.
  • Business external transfers must be re-enabled through our Business ACH feature. Please contact CCU Treasury Management for assistance.
  • P-Card management will be available in Business 360 instead of Spend Clarity.
Feel free to call us at 877.275.2228

How to log in to digital banking, beginning February 23

Smooth your transition. Start with your first-time sign-on.

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We're always in your corner. Call 877.275.2228 for assistance.

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