Take action before May 29
Major System Updates
We are planning strategic improvements to enhance our technology, services and security. These updates will provide every member with a customizable digital banking profile, advanced fraud detection and more benefits for joint accountholders.
System update timeline
Beginning May 29, we are making several planned improvements that will provide you with many key benefits. Get details below and check back weekly for more information.
Friday, May 29
- All branches and the service center will close at 6 p.m. MDT (5 p.m. PDT).
- Digital banking services and account access will be unavailable starting at 6:30 p.m. MDT (5:30 p.m. PDT).
Saturday, May 30–Monday,
June 1
- All branches and the service center will be closed.
- Digital banking services and account access will be unavailable.
Tuesday, June 2
- All branches will reopen at 9 a.m. MDT and PDT.
- Digital banking, account access and the service center will be available starting at 9 a.m. MDT (8 a.m. PDT).
What services will be available during the updates?
- ATM withdrawals
- Debit card transactions
- Credit card transactions
- Mountain America website
- Loan applications at auto dealerships or businesses that offer Mountain America financing
- Branch and service center support for transactions, account access or balances
- Transactions through our automated phone system
- Digital banking login/access
- Locking and unlocking of cards (card manager) and your credit report (CreditLock)
- Cash apps linked to your Mountain America checking or savings account via automated funds transfers (AFTs), such as Zelle®, Venmo, PayPal and Apple Cash
- ACH payments (including ACH credits/payroll deposits) Payments or transfers initiated by external companies that are scheduled for May 30–June 1 will be processed early on May 29. Please ensure sufficient funds are available in your account.
- Outgoing wires will be unavailable after May 29 at 3 p.m. MDT through June 1.
- Incoming wires received on May 29 by 5 p.m. MDT will be processed by 6 p.m. MDT. Incoming wires will be unavailable May 30 through June 1.
- Push-to-card payments (OCTs), such as when a merchant issues a refund directly to the debit card you used for the purchase
- Online and mobile loan applications through our website
Preparation checklist
Complete before Friday, May 29- Ensure sufficient funds are available in your account before May 29 for early processing of payments or transfers scheduled from May 29 through June 1.
- Take care of any branch needs by May 29, as branches will be closed from May 30 through June 1.
- Record your account balances before digital banking access is unavailable, and manually track any card transactions from May 29 through June 1 so you'll have a clear picture of your spending during this time.
- Plan alternatives for Zelle®, Venmo, PayPal, Apple Cash and other cash apps, as transactions linked to your Mountain America checking or savings account via automated funds transfers (AFTs) will not be processed during the update.*
- Unlock your credit report through CreditLock in digital banking if you will need a credit check for a loan or lease application.
- Unlock any locked cards through card manager in digital banking if you plan to use them May 29–June 1.
One member, one login
After the updates, you'll enjoy these key benefits:
- More services for joint accountholders—Joint users will be able to register for their own digital banking profile, which will allow them to access services such as card manager, Credit Score Plus and My Home Value. Explore all the perks!
- Customized profiles—Every member can tailor their profile to their preferences. Create account alerts, set up your own bill pay payees and view your credit score as often as you like.
- Advanced fraud detection—With only one person per login, our systems will be able to more accurately utilize behavioral biometrics to detect unauthorized users and transactions.
- Consolidated account view—After the updates, members with multiple Mountain America accounts will be able to access all accounts on the same profile with one login.
What is changing on my personal account?
Digital banking profiles
Beginning in June, your username and password will stay the same, but your login will display all Mountain America accounts connected to your SSN or TIN. If your login credentials are shared, anyone using them will be able to view this information. For your privacy and security, please do not share your username and/or password with anyone else.
Joint accountholders
After the updates, joint accountholders should register for their own digital banking profile. Your unique login will ensure you have continued access to all your accounts and allow you to take advantage of the online and mobile banking services listed below.
Digital banking updates
More services for joint accountholders
Once joint accountholders have registered for their own digital banking profile, they will unlock access to the following services:
Account AlertsMonitor your accounts 24/7 by creating customized text, email and push notifications.
See full card details, lock and unlock your card, request a replacement, update your PIN and set travel notices.
View your credit score, see credit alerts and explore how financial choices could change your score.
Manually pay bills or schedule automatic, recurring payments to save time.
Deposit checks by simply taking a photo with your phone.
Easily lock and unlock your Experian credit report.
Monitor your property value, view available equity and get personalized home financing recommendations.
View your statement directly inside digital banking.
Bill pay and Zelle® updates
For members with one Mountain America account loginCurrent payments and payees will remain the same for primary accountholders. Starting June 2, when joint users create their unique digital banking profile, they can customize bill pay by adding their desired payee list and scheduled payments.
For members with multiple Mountain America account loginsWhen all your accounts are consolidated to one digital banking profile in June, your payees will carry over from all your accounts. However, your scheduled payments and payment history in bill pay and Zelle® will only carry over from your most active account. To view these payments, you can still go to that account's transaction history.
After system updates are complete on June 2, please log in to your account and set up any scheduled payments and payees that did not transfer to your consolidated profile.
May MyStyle® Checking and rewards points requirements
Since account access will be unavailable during the updates, card transactions completed during that window won’t post to your account until June 2. To account for this, we are lowering the number of transactions required for May 2026:- 15+ debit/credit transactions (instead of 20+) will qualify for the $7 fee waiver.
- 35+ debit/credit transactions (instead of 40+) will earn 250 rewards points.
What is changing on my business account?
For businesses, the upcoming changes vary based on account type. Select the account you have to learn more.Business essential and nonprofit checking—direct billing
In the past, fee-based services have been paid in a lump sum at the end of the month. Starting in June, these services will be charged and processed as relevant transactions are completed. Costs for transactions will remain the same, and you will continue to receive your statement on the first day of the month.
Starting in June, you will be billed between the 10th and 15th days of the month instead of between the 1st and 5th of the month. We are also improving the format of your monthly statement to make it easier for you to find essential information.
If you have a business essential account and currently use our cash management services, such as ACH transactions, wires and business remote deposits, your account will automatically be upgraded to a business growth checking account starting June 1. This upgrade will also change your billing dates to between the 10th and 15th day of the month.
If you opened your business account with a Social Security number (SSN) instead of an employer identification number (EIN)—and registered a personal and business login—then all accounts tied to your SSN, including any personal accounts, will be consolidated under your business account profile on June 1.
Temporary loss of access to Zelle®—If your personal and business accounts are both tied to the same SSN, you will experience a temporary disruption in Zelle® access on your personal account on June 1. We estimate that access will be restored by the end of the year. If your business account was opened with an EIN, access to Zelle® for your personal accounts will continue without interruption.
Other ways to send money
Alternatives for moving personal funds include an ACH transfer or account-to-account transfer. For your business, explore our merchant services for secure payment processing and cash management tools.
QuickBooks profiles are set up through a tax ID number (TIN)—either a SSN or an EIN. You will access all accounts linked to that TIN with the same login. If you have multiple accounts with different TINs, each will have a separate QuickBooks profile and login.
After June 2, when you log in to QuickBooks, you will enter the same username and password you use to access your Mountain America digital banking account—no need to memorize a separate set of credentials.Contact business services
If you have any questions about these changes, please call the business service team at 801-325-6504, option 4. They are available to assist you and provide any additional information you need.
Frequently asked questions
Will my account numbers or login credentials change?
Will joint accountholders still be able to earn and use rewards points when they set up their own digital banking profile?
Will scheduled travel notices transfer to my updated digital banking profile?
- No, previously scheduled travel notices will not show up in your digital banking profile after June 1. However, Visa will still have them on record, which will reduce interruptions from fraud alerts/holds when you travel. If you'd like to see them in digital banking, you'll need to add them again using card manager.
- All travel notices scheduled after June 1 will remain on your profile.
Learn how to protect your account
See the strategies we use to keep your data secure and get tips to guard your personal information and finances.
Protect yourself online
Follow these tips to take preventative measures and keep your data secure.
Learn phishing red flags
Understanding the warning signs of a scam can protect you.
*U.S. checking or savings account required to use Zelle®, and account must be in good standing for 90 days.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
