Your Guide to the MCBANK System Upgrade

Staying the same

• Account numbers and routing number
• Banking Center locations, hours, and your bankers
• Account balances and deposit insurance coverage
• Funds availability policy and fee schedule
• Direct deposits and automatic payments
• Your current checks
• CD, IRA, and deposit account rates and terms; IRA contribution records
• Loan terms and payment arrangements
• Beneficiary designations on eligible deposit accounts
• Statement date and delivery method
• Safe deposit box agreements
• Access to the Community Cash and MoneyPass ATM networks
• Digital banking limits and dual controls

Changing

• New debit cards and PINs
• New online banking website and mobile app, with new Bill Pay, person-to-person (P2P) payment, and eBill features
• New telephone banking system
• Business debit cards become eligible for digital wallets
• Extended wire transfer cutoff: 4:30 p.m. Central Time
• New: external transfers to and from your accounts at other financial institutions, available in online banking
• Transaction history limited to the most recent 6 months (currently 24 months). For older items, contact your local Banking Center.
• Some account names (see below)

New account names

Only the names change. Your account numbers, rates, terms, and fees do not.

Action required

1. Watch your mail. New cards are mailed Thursday, October 22 and should arrive by Monday, November 9.
2. Wait to activate. Activate on or after Monday, November 16, following the instructions that come with the card.
3. Set a new PIN when you activate.
4. Your old card stops working on Monday, November 16. Destroy it only after you activate the new card and complete at least one successful transaction.
5. Update merchants that store your card, such as streaming services, utilities, subscriptions, and online retailers, with your new card number and expiration date.
6. Re-add your card to Apple Pay or Google Pay.

Other card questions? Call 985-384-2100 during regular business hours.

Business debit cards will also be eligible for digital wallets.

Upgrade weekend: your current card keeps working for purchases and ATM withdrawals through the weekend.

Action required

Before the upgrade (in your current system)

• Download statements, check images, and transaction history you want to keep.
• Print your Bill Pay payees and scheduled payments. Payees convert automatically, and you’ll use the list to double-check them in the new system.
• Print your current alert settings. Alerts do not convert, including security, balance, transaction, transfer, ATM/debit card, chargeback, fee, ACH, and wire alerts.
• Print your list of users and permissions. They convert automatically, and you’ll use the list to verify them starting Monday, November 16.

Your first login (starting Monday, November 16 at 8 a.m.)

Download the app named “MCBANK Connect.” Your previous app will no longer work. Want to scan instead? Jump to the QR codes.

1. Enter your current username.
2. Enter your temporary password:
   • Personal clients: the last 4 digits of your Social Security Number.
   • Business clients: the last 4 digits of your Tax Identification Number (TIN). Share this with the authorized users of your online banking account.
3. Follow the prompts to verify your identity, create a new password, and set your security preferences.

If you use ACH services, please refer to the separate MC Treasury Advantage first-time login process. Treasury Advantage login

Action required

• Last day to schedule payments in the current Bill Pay: Monday, November 9 at 2 a.m.
• Your payees convert automatically. After your first login, review every payee, amount, and frequency against the list you printed.
• In the new system, payments are withdrawn on the “send on” date, not the due date.
• Converted payments use their previous delivery date as the new “send on” date, which could make them late. Review and update all future and recurring payments.

Some payees may be paid by check instead of electronically. For these payees, choose an earlier “send on” date and confirm the payee details match your paper bill.

Transfers

Internal and recurring transfers convert automatically. New: you can also make external transfers to and from your accounts at other financial institutions in online banking.

Action required

• Zelle becomes unavailable Friday, November 13 at 2 p.m. Complete your Zelle payments and transfers before then.
• Zelle returns as soon as possible, and no later than Monday, November 23.
• Once available, re-enroll in the new app using the same email address or mobile number.
• One-time and recurring Zelle transactions scheduled after Friday, November 13 at 2 p.m. will not process.

Action required

Alerts do not convert. Set them up again in the new system, using the list of alert settings you printed before the upgrade. This applies to all personal and business alerts.

Action required

• Download any statements you may need before Friday, November 13 at 2 p.m. The most recent 6 months of transaction history will be available in the new system. Previous statements won’t be available immediately after the upgrade.
• Need older statements later? Contact your banker.
• Final statement: your last statement from the current system, dated November 13, will be mailed to you. There’s no service charge for it.
• New statements follow your regular statement cycle and current delivery method (electronic or paper). eStatement enrollment carries over.
• Tax forms: for 2026, you’ll receive one 1099-INT or 1098 form by January 31, 2027.

• Checks: keep using your current checks.
• Mobile deposit: submit deposits in the current app before Friday, November 13 at 2 p.m. Start using mobile deposit in the new app on Monday, November 16.
• Direct deposits and automatic payments (payroll, Social Security, and other ACH) continue without interruption.
• Loans: balances, rates, terms, loan numbers, payment due dates, and payment address are not changing. Automatic payments from your MCBANK account continue, and you can keep using your current coupon books.

• Online banking is not available for business clients from Friday, November 13 at 2 p.m. through Sunday, November 15.
• Users and permissions convert automatically. Print your current list before Friday, November 13 at 2 p.m. and verify it in the new system starting Monday, November 16.
• First login: use your current username with the last 4 digits of your business TIN as the temporary password. Share this with your authorized users.
• ACH services: refer to the separate MC Treasury Advantage first-time login process.
• Wire transfers: the online wire transfer cutoff is Friday, November 13 at 2 p.m. Upon the completion of our system upgrade, the new wire cutoff is extended to 4:30 p.m. Central Time.
• Remote Deposit Capture (check scanner): your current scanner will work with the new system after a setup change. Benchmark Technologies will contact you beginning the week of November 2 to schedule setup for the week of November 16. Questions? Call Benchmark at 470-865-6100 and select the Remote Deposit Capture option.
• Positive Pay: your banker will contact you personally to discuss your individual needs.
• Alerts don’t convert. Print yours and set them up again after the upgrade.
• Quicken or QuickBooks: see the step-by-step instructions.

Yes. Your balances are protected throughout the upgrade and remain FDIC-insured up to the maximum allowed by law.

No. Direct deposits continue automatically.

Yes. Purchases and ATM withdrawals continue to work. Activate and begin using your new debit card on Monday, November 16.

You must log in at my.mcbt.com/login or in the new MCBANK Connect app. The previous app will no longer work. Follow the first-time login steps. If you still have trouble, call us.

The most recent 6 months of transaction history will be available. Download anything older before Friday, November 13 at 2 p.m.

No. Your fees and interest rates are not changing.

If your card hasn’t arrived by Monday, November 9, call the Upgrade Support Line for your area or visit the nearest Banking Center. See Get help.

Don’t share anything and don’t click any links. MCBANK will never call, text, or email to ask for your username, password, account number, PIN, or full card number. Hang up and call us at the number for your area in Get help.