Questions & Answers
What are the branch hours during the system merger?
During the upcoming system merger, we'll have adjusted branch hours in order to move through the system conversion with as minimal impact as possible to our members.
- Friday, February 27: The North Oak branch will close at 12:00 p.m.
- Saturday, February 28: The North Oak branch will be closed.
- Monday, March 2: The North Oak branch will resume normal business hours.
What about online and digital banking availability?
To complete the system merger, some services will be temporarily unavailable.
- Friday, February 27: CCCU online banking goes offline.
- Monday, March 2: Incoming CCCU members, your new online banking experience goes live.
- Debit card usage: The weekend of February 27, you may experience intermittent card outages and/or usage limits as we merge systems. This is a planned part of the merger process, and full usage should be restored throughout the day Monday, March 2.
Will my account number and/or routing number change?
Your CCCU member number/account number will not change. Beginning after February 28, CCCU members will begin using MCCU’s routing number. Note: Existing ACH payments don’t need to be changed. Only new payments will need to have MCCU’s routing number.
How do I get set up with MCCU's online & mobile banking?
After conversion, you’ll need to re-enroll in MCCU’s online and mobile banking.
Here’s how to enroll online:
• Visit mocentral.org
• Click CUOnline Login
• Click Enroll
Set up your new credentials using:
• Your account number
• Last 4 of your SSN
• Date of birth
To enroll using the app, download the MCCU app from the appropriate app store and follow the on-screen instructions.
Once enrolled, you’ll gain access to enhanced tools including:
• SavvyMoney credit monitoring and financial wellness
• Secure app connections with Plaid
• Updated budgeting and financial management tools
Bill Pay& Scheduled Payments:
• MCCU Bill Pay is accessed inside online and mobile banking.
• Your scheduled recurring payments will continue as planned.
• After enrolling, please review your payees to confirm everything looks correct.
• To reduce the chance of issues, we recommend removing any outdated or expired payees from your CCCU bill pay before conversion.
What about my past e-statements & records?
If you currently receive e-statements through CCCU online banking: • You have access to 24 months of statement history. • Prior to conversion, please download any statements you wish to keep. • Past CCCU e-statements will not be accessible after transitioning to MCCU’s system.
When do I switch debit cards?
You already know your CCCU account number will not be changing. However, your debit card number will be. Here’s what you need to know, key dates, and what you need to do.
• Your new MCCU debit card will be mailed to you.
• Your current CCCU debit card will stop working Friday, February 27 at approximately 2:00 p.m.
Note: Please don’t destroy or discard your CCCU card until you’ve confirmed your MCCU card is working after 2:00 p.m. on the 27th.
• You can activate and begin using your new MCCU card on Friday, February 27 after approximately 2:00 p.m.
• The weekend of February 27, you may experience intermittent card outages and/or usage limits as we merge systems. This is a planned part of the merger process, and full usage should be restored throughout the day Monday, March 2.
Important Changes to Know
• Your debit card number will change, even though your CCCU account number won’t.
• If you have any automatic payments or subscriptions (streaming, services, memberships, etc.) linked to your debit card, you’ll need to update them with your new card information. However, please wait to make these updates effective until after February 27 at 2:00 p.m.
• If you prefer, some merchants may allow you to set up payments using ACH instead.
You’ll need:
• Your account number
• MCCU’s routing number: 301081155
Why are we merging?
Both MCCU and CCCU have deep roots in the Kansas City area—MCCU since 1931 and CCCU since 1934. By merging, we combine our local histories and strengths to provide improved financial stability, expanded services, and more convenient locations for all members. Together, we’re building a stronger, community-focused credit union for the future.
How did CCCU and MCCU decide to merge with each other?
After inviting several local credit unions to submit proposals and following their interviewing of finalists, CCCU’s board unanimously selected Missouri Central Credit Union because MCCU shares their vision and mission: serving a diverse membership, improving our communities, and enhancing the financial lives of our members. MCCU’s long-term commitment to being the credit union for those starting out, starting up, and starting over resonated strongly with CCCU’s board as the best fit to support their membership’s needs and strengthen their branch communities.
Will the staff I know still be there?
Yes! The friendly staff you know and trust will continue to be here to help you through this transition and beyond.
What benefits will I see from the merger?
You’ll gain access to multiple full-service branches across the Kansas City metro, enhanced digital and automated phone banking tools, a wider range of loan and financial products, more competitive rates, and reduced fees on key services — all aimed at improving your banking experience and providing greater convenience.
Will both credit unions have a voice going forward?
Yes. To ensure continuity and that the interests of CCCU members are represented at Missouri Central, two CCCU board members have joined MCCU’s volunteer leadership teams—one now serves on MCCU’s Board of Directors and the other on its Supervisory Committee. Their ongoing involvement helps preserve CCCU’s mission and values as we move forward together.
Will I have access to automated phone banking?
Yes! MCCU offers automated phone banking, providing you convenient 24/7 access to your accounts by phone—a service that CCCU members recently lost but will regain with this merger.
How will this merger affect and/or improve my digital banking experience?
After the conversion of CCCU accounts to MCCU, which is planned to occur early next year, you’ll have access to MCCU’s upgraded mobile app and online banking platform. Features include real-time remote deposits, budgeting tools through SavvyMoney, Plaid integration, QuickBooks connectivity, easy account-to-account transfers, and soon, new financial education resources—all designed to simplify managing your finances.
Will the merger affect my accounts and services?
Your accounts and services will remain secure and accessible throughout the transition. The official account conversion for CCCU accounts is planned for early next year, pending vendor support. You don’t need to do anything—your accounts will transfer automatically and will remain unchanged until then.
Will I see any benefits before the official account conversion?
Yes. We are beginning the process of aligning CCCU’s rate and fee structures with MCCU’s, which means you can expect lower fees and better rates in many key areas even before the full system conversion. We’ll keep you informed as these changes roll out.
Where can I get help or ask questions?
Email: growingtogether@mocentral.org
Phone: 816-246-0002
We’re here to support you every step of the way.