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Digital Upgrade

Re-enroll in digital banking on or after March 4, 2024.

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Towpath Credit Union has launched a Digital Upgrade as of March 4, 2024. This Digital Upgrade will provide an enhanced experience from our current systems, both internal and external. What does this mean for you? A new digital banking platform with a state-of-the-art mobile app and online banking platform.

Re-enroll in Digital Banking

  • Open the app or select the ONLINE BANKING button on the website’s home page.

  • Select “Register” or “Register a New Account”.

  • Accept the disclosure.

  • Confirm your identity by inputting your SSN/Tax ID, Birth Date, and Email.

  • Verify your identity by completing the multi-factor identification via SMS, Email, or Voice Call.

  • Create your Username and Password.

  • Configure your settings by answering each prompt.

Digital Upgrade
Digital Upgrade
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The Towpath CU Digital Upgrade is an upgrade from our current digital systems to new ones, both internal and external. This means you will have a new digital banking platform system and mobile app, and our staff will have upgraded technology to serve you as well.

The new digital banking experience offers Members the ability to access their accounts from anywhere, at any time, using a variety of devices. Whether it's checking account balances, transferring funds, or paying bills, the new digital banking experience makes it easier than ever to manage finances. With enhanced security features and user-friendly interfaces, Members can feel confident that their banking information is safe and secure. Additionally, the new digital banking experience offers personalized financial insights and recommendations, helping Members make informed decisions about their money.

You’re no longer forced to wait in long lines or worry about carrying large amounts of cash. Instead, you can quickly and easily transfer money from your computer or mobile device. Our new payment and transfer platform uses advanced encryption technology to protect your personal and financial information, making it less likely for your data to be compromised.

This feature allows Towpath CU Members to conveniently view and manage their external bank accounts within the same platform as their Towpath CU accounts. With external account linking, Members can easily track their finances and transfer funds between their accounts without the need to log in to multiple banking platforms.

With credit monitoring, you can keep a close eye on your credit report and receive alerts if there are any significant changes or suspicious activity. This can help you catch potential fraud early and take action to protect your credit score. Our credit monitoring services are easy to set up and use, and you can access them right from your online banking account and app. Plus, they are available to all Towpath Credit Union members at no additional cost.

With our new online platform, you can now manage your accounts and apply for loans from the comfort of your own home. Our user-friendly interface makes it easy to navigate through the application process, and our team of dedicated professionals is always available to assist you with any questions or concerns you may have. You can also access your account information, view your transaction history, and make payments online.

Towpath CU’s new digital banking will allow Members to have complete control over their debit and credit cards, in real-time. Freeze your card, submit a travel notification, report fraud, and more.

Upgraded internal systems will allow the credit union to increase automation for back-office processes, allowing credit union staff to devote more time to what matters most – serving our Members.

 

Digital Upgrade FAQs

  • The Towpath CU Digital Upgrade is an upgrade from our current digital systems to new ones, both internal and external. This means you will have a new digital banking platform system and mobile app, and our staff will have upgraded technology to serve you as well. While our digital banking options will be enhanced, Members will always be able to visit us at our branches or ATMs for their cash and banking needs.

  • This will not affect your accounts in any way, other than an extended credit union closure from Friday March 1st through Sunday March 3rd. The credit union will reopen on Monday, March 4th. On or after that date, you will need to re-enroll in digital banking.

    During the closure, the legacy digital banking system will be unavailable. However, your debit and credit cards will continue to work, and most Friday direct deposits should be available on Wednesday February 27th for withdraw as usual.

    Your account numbers will not change and so no action is required on your part to ensure transactions continue to clear on your accounts post March 4th.

    We do kindly ask that you be prepared to present a photo ID when you visit the branch on or after March 4th so that we can make sure your information is up to date in our new systems.

  • To facilitate the system upgrades, our branches and call center will be closed Friday, March 1 and Saturday, March 2, 2024.

    Digital banking (app and online) will be unavailable from Thursday, February 29 starting at 5PM through Sunday, March 3, 2024

    The credit union will reopen with its new systems on March 4th, 2024.

  • Keep an eye out for future communications. More information will be coming via U.S. mail and email to your address. Please make sure we have updated contact information for your account.

    Make arrangements to prepare for the three-day credit union closure March 1st through March 3rd. You will not be able to conduct any transactions at the credit union branches, by phone, or in digital banking for the entirety of these three days.

  • Towpath ATMs will continue function during the Digital Upgrade. Towpath CU debit card holders will continue to be able to withdraw from ATMs, although limits may be reduced. We encourage you to make arrangements for your cash before the Digital Upgrade begins.

  • Towpath CU cards will continue to function during the Digital Upgrade. For debit cards, daily purchase limits may be reduced. We encourage you to use other payment methods for large transactions during the Digital Upgrade. Additionally, person-to-person transactions (CashApp, Venmo, Apple Cash) will be unavailable starting at 5PM on Thursday, February 29, 2024 until Monday, March 4, 2024.

  • No, your account and routing numbers will remain the same for existing Members.

  • No, existing account numbers will remain the same on the new system.

  • Unfortunately, we must leave this system behind as we are investing heavily to provide our Members with a world class mobile app and digital banking experience. This change will take place in March of 2024. The voice teller is a legacy system that we have seen less demand for as time has gone on. We highly recommend enrolling in our new Digital Banking on or after March 4, 2024, when our world-class experience is live to the Membership. We will of course still have our Member Experience Center (Call Center) for phone calls to speak with a live and local person.

  • Existing Bill Pay users will be able to transition their existing payees, scheduled payments, and history to the new digital banking system. If you are an existing Bill Pay user, simply enroll in the new digital banking system on or after 3/4/24, and then navigate to the Bill Pay area. Once there, you will be prompted to accept a disclosure. At this point, your Bill Pay payees, scheduled payments, and history will transition to your new digital banking account. You may need to wait up to 24 hours for the system to fully configure your account and for you to be able to schedule new payments.

    Your scheduled payments will continue to go out as scheduled regardless of when you re-enroll in digital banking, but we encourage you to enroll as soon as possible so that we can help you ensure a smooth transition of your Bill Payments. We understand how important Bill Pay is to you and we encourage you to contact us with any questions or concerns.

  • Unfortunately, Shared Branching will be unavailable starting at 5PM on Wednesday, February 28, 2024 until March 4, 2024.

  • While the Credit Union will be closed on March 1, and transactions processing will be delayed, please note that the majority of our Membership do qualify for early direct deposit. With early direct deposit, Members typically receive their paychecks up to 2 days earlier. For further questions regarding your deposits, please reach out to our Member Call Center at (330) 664-4700 before Friday, March 1, as the call center will be closed Friday, March 1 until Monday, March 4.

  • Please use this link. Over time, the app will become searchable as more Members download it. Android: https://play.google.com/store/apps/details?id=com.towpathcu.towpathcu

  • Thank you for your question! Yes, all Members need to re-enroll in our online banking system. We have decided to have Members re-enroll completely in our new digital banking system to enhance the security of their accounts. Our new system has more robust username and password requirements and other enhanced security measures. We apologize for the inconvenience re-enrolling may cause but the security of our Members' accounts is paramount to us. To download your new app, please follow the links provided. iOS users will receive an update pushed to their current app and Android user can use this link to redownload. Please delete the old Android app first before you download the new one.

    Android: https://play.google.com/store/apps/details?id=com.towpathcu.towpathcu

    iOS: https://apps.apple.com/us/app/towpath-cu/id475125127

    To re-enroll in online banking, either on your phone or on desktop, please follow this link: https://digitalbanking.towpathcu.com/Registration

  • No, you only to re-enroll in one place.

  • There are two ways to make a credit card payment in digital banking. You can use the transfers and payments area to make payments to your credit card. Additionally in the credit cards menu, using the credit cards management widget, there are additional options to make payments on your Towpath CU Credit Card.

 
Questions? Concerns? Email, call, or text us! Take this Digital Upgrade at your pace; No Member left behind.