FAQ

General Questions

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Why is First Harvest enhancing its system?

The new system will enable us to better serve you through more efficient transaction processing and account opening. Some of the areas where you will see improvement are:

• Enhanced online banking service

• More efficient branch and real-time transactions

• Faster, easier, and more convenient banking

When will the enhancement occur?

The system enhancement will take place from the end of the day on Friday, May 20, 2022, to the morning of Tuesday, May 24, 2022. All updates are scheduled to be completed by the time we open on May 24, 2022.

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Availability of Services and Funds

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What are First Harvest’s operating hours during the enhancement?

All branches and the Contact Center will be closed, and online and mobile banking will be unavailable from the end of the day on May 20, 2022, to the morning of May 24, 2022.

How can I access my account funds during the enhancement?

When First Harvest is closed for the enhancement, you can still access funds by making a purchase with your First Harvest debit card or making a withdrawal using your First Harvest ATM card. However, access to these services may be limited, and these services may be interrupted at any point throughout the enhancement process. Please plan accordingly by withdrawing funds prior to the enhancement and bringing an alternate form of payment until the enhancement is complete.

Will I be able to open a new account or apply for a loan online while the enhancement is taking place?

We will be unable to accept new account or loan applications during the enhancement process.

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Changes to Accounts

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Will my account number(s) change?

Yes, your account number(s) will change, as will the structure of your account(s). Each savings, checking, loan, and credit account will have individual account numbers. These new account numbers will be shown, in full, on your first three monthly statements after the enhancement, to give you adequate time to make a note of the new number(s). Beginning with your fourth monthly statement, only the last four digits of your account number(s) will be visible for security purposes.

Will the terms of my loan(s) change?*

The terms of any loan(s) you have with First Harvest will not change. Each loan will be assigned a new account number that you will use to make payments on the loan. If you have a recurring payment transfer with another financial institution, you will need to update the account number with that financial institution. If you have set up payments using a monthly transfer from a First Harvest deposit account, your payments will occur without interruption. One advantage of the system enhancement is that if funds are not available in the deposit account on your due date, the system will automatically check the balance for the next five days and make the transfer when funds are available. This will help you avoid additional interest, possible late fees, and negative marks on your credit file.

Can I still use checks with my old account number?

Our cross-referencing system will allow us to honor checks with the old account number for a short time after the enhancement. However, we recommend ordering checks with your new account number within a month after the enhancement.

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Debit Cards

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Will I receive a new debit card/PIN because of the enhancement?

The enhancement will not affect your debit card. You will not receive a new card, and you can continue using your existing card. Both your debit card number and PIN will remain the same, even after the enhancement is complete.

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Payroll and Direct Deposit

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How will direct deposit be affected by the enhancement?

Direct deposit will not be affected by the enhancement and will continue to function normally.

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Statements

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Will I receive my monthly/quarterly bank statement as usual?

For information regarding the timing of your bank statements throughout the enhancement process, please refer to the chart below.

LAST STATEMENT DATE TO MAY 20 You will be issued a special statement from the ending date of your last statement to May 20, reflecting the activity leading up to the enhancement.

MAY 20 TO MAY 31 You will receive a month-end statement which covers the period from May 20 to May 31. This statement will include your new account number in full.

JUNE 30 You will receive a statement covering the month of June. This statement will include your new account number in full.

JULY 31 You will receive a statement covering the month of July. This statement will include your account number in full.

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Online Banking

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Will my online banking user ID and password change?

Your username will remain the same. The first time you log on to online banking after the enhancement, your password will change. You will be prompted to log in using the last 6 digits of the primary account holder’s Social Security Number. Once you log in for the first time, you will have an opportunity to change your password. 

I normally receive an e-statement. Will that change due to the enhancement?

If you normally receive an e-statement, you will receive paper statements on the dates listed in the chart appearing in the “Statements” section of these FAQs. There will be no fee assessed for these paper statements.

Can I access online bill pay and automatic payments during the enhancement?

You will not be able to access online bill pay during the enhancement process. We highly recommend adjusting any payments that are due during this timeframe to ensure timely payment. Since you will not have access to bill pay after 5 pm on May 20, please schedule all online bill payments to be paid before that date.

Will I still have access to my online account history after the enhancement?

After the enhancement, you will have access to your account history as follows:

Checking accounts – up to 6 months of account history will be available

Savings accounts – up to 12 months available

Certificates – up to 24 months available

Retirement accounts – all account history will be available

Loan accounts – all loan history will be available

First Harvest will have access to your account history beyond these dates for all types of accounts, but if you would like your own access beyond the new history, we recommend printing or downloading your account history prior to the enhancement date.

I have set up recurring bill payments in online banking. Will I need to re-enter all of my payees into the system?

You will not need to re-enter your payees for recurring bill payments into the online banking system.

Will I need to update the First Harvest mobile app?

Your app will continue to function after the enhancement is complete. On Tuesday, May 24, you will be prompted to log in using your username and a temporary password and enter some basic information to continue using the app with the enhanced system. For a video explaining the login process, see below.

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For More Information 

Where can I obtain more information about the enhancement?

We will send periodic letters and emails to the address and email address we have on file for you, so please make sure we have your current contact information. We will also post updates to our website at firstharvestcu.com/enhancement. After reading these FAQs, if you have any additional questions or concerns, please feel free to visit a branch or call our Contact Center at (800) 582-7640 prior to the close of business on Friday, May 20.

*If you have filed for bankruptcy, this statement is sent for informational purposes only and is not intended as an attempt to collect, assess, or recover a discharged debt from you, or as a demand for payment from any individual protected by the United States Bankruptcy Code. If this account is active or has been discharged in a bankruptcy proceeding, be advised this communication is for informational purposes only and is not an attempt to collect a debt.