T&I Credit Union and MSGCU Merger News and FAQ

Thank you for your membership and continued patience as the technical systems of T&I Credit Union are merged into Michigan Schools and Government Credit Union. You will have access to all MSGCU products, services, and locations on November 3. Please see the following frequently asked questions.

Will my account number change?

Yes. Account numbers will change and will be sent via mail closer to Nov. 3. Existing direct deposits, such as payroll or Social Security payments, automatic payments coming from your checking account, and any recurring loan payments will continue to process on their regular schedule. While we may ask you to update these in the future, you will not need to take any action now.

Non-business members will receive a voucher to order a complimentary box of checks with your new account number. Existing checks will continue to work so you may keep using your existing stock. If you have a debit card, you will also receive a new card close to Nov. 3.

When will my account number change and when will I get the new number?

Account numbers will change on Nov. 3. Any actions, such as registering for MSGCU’s online and mobile banking, must wait until after Nov. 3, so you will receive your account number closer to the date to avoid confusion.

Can I get my new account number early?

No. While we are excited for you to bank with MSGCU, your account number won’t work until Nov. 3. Existing direct deposits, automatic payments from your checking account, and recurring T&I CU loan payments will continue to process, so you don’t need to make any changes right away. Existing checks will continue to work, and ample notice will be provided if you need to take any action.

Will I get a new debit card?

Yes. Your MSGCU debit card will not work until Nov. 3, so you will receive it via mail closer to that date. Please use your T&I CU debit card until Nov. 2 at 11:59 PM. It will then be deactivated. Temporary daily limits of $250 will apply on your T&I CU debit card Saturday, Nov. 1 and Sunday, Nov. 2.

While automatic payments from your checking account will continue to process, any recurring payments set up with your T&I CU debit card will need to be updated starting Nov. 3. You can review past statements to determine if your debit card was used for recurring payments.

If you participate in UChoose Rewards program, see information below.

Can I use my T&I CU debit card after Nov. 3?

No. While direct deposits, automatic payments, and checks will continue to work for a time, your new MSGCU debit card must be used starting Nov. 3. If you used your T&I CU debit card for recurring payments, those will need to be updated.

Can I use my MSGCU debit card before Nov. 3?

No. The new MSGCU debit card will not work until that date because the technical systems of T&I CU and MSGCU must be combined first.

Can I still use my T&I CU checks?

Yes. Existing checks will continue to work for the foreseeable future, so you may continue to use your existing stock. We will inform you when T&I CU checks can no longer be used.

Non-business members will receive a voucher to order a complimentary box of checks with your new account number.

Will I get new MSGCU checks?

Non-business members will receive a voucher to order a complimentary box of checks with your new account number. Your old checks will continue to be used, so you will have 12 months to redeem the voucher. Business members will receive options for ordering business checks at a discount after Nov. 3.

What happens with my T&I CU loan?

Loans you have with T&I CU will transfer to MSGCU automatically; you don’t have to do anything. The same terms including payment date, rates, and length of loan continue as-is. Recurring payments already set up from your T&I CU account will automatically transfer, too, and you can pay ahead up to one month. If you set up a recurring transfer in T&I CU’s online banking, it will need to be reestablished. You will receive new loan payment coupons with your new account number.

What happens with my T&I CU checking accounts, savings accounts, or Certificates of Deposit (CDs)?

Checking and savings accounts you have with T&I CU will transfer to MSGCU automatically; you don’t have to do anything. The same rates and terms you have now will continue. Money Market accounts are an exception; please see information below.

CD terms will also continue as-is. You will receive a notice at time of CD maturity and have 10 business days to make a change.

Can I use an account nickname?

Yes. While existing nicknames will not transfer automatically, all accounts can be easily renamed in Online Banking or the MSGCU Mobile App. You can even group accounts and rearrange them to your preference.

What happens with my T&I CU Money Market account?

Money market accounts will not transition over to MSGCU. Money Market accounts will transition to an MSGCU Silver Savings (balances below $50,000) or Gold Savings (balances above $50,000) account.

While you do not have to do anything, we are always happy to talk about different savings options to maximize returns for you. See more about these accounts.

Will I get a new credit card?

Credit cards are not changing right away, so please continue to use your T&I CU credit card as you do now. Payments can be made via mail, at the Clawson branch, or using MSGCU’s online bill pay service after Nov. 3.

New cards are anticipated to be issued in 2026, and you will hear more in the coming months.

When is the last day to access my T&I CU account online?

Access to ticreditunion.org, online banking, and the mobile app will stop on Oct. 31 at 6 PM EST. To prepare for the change and allow payments and transactions to process, a few services will need to end early. The last day to access Mobile Deposit, Bill Pay, and Zelle will be Oct. 26, and transactions will continue to process until Oct. 31.

What do I need to do on and immediately after Nov. 3?

On Nov. 3, activate and begin using your new MSGCU debit card, if applicable. We also encourage you to register for Online Banking and the MSGCU Mobile App so you have 24/7 access to your accounts. If you use Bill Pay at T&I CU, you will also need to set up payees in MSGCU’s bill pay system.

What can I do now to prepare?

While most action will be needed after Nov. 3, we encourage you to log in to your T&I CU account to download any historical eStatements by Oct. 31 and save a list of your Bill Pay payees by Oct. 26. Mobile deposit will also be unavailable starting Oct. 26. So, if you have checks to deposit, please do so before Oct. 26, or visit the Clawson branch for assistance.

Will my Bill Pay payees and established recurring payments transfer over?

No. Following the combination of banking systems, online bill pay will be through MSGCU’s provider. To prepare for the change and allow all payments to process, T&I CU Bill Pay will not be available after Oct. 26. It is encouraged to save existing payees before Oct. 26 because you will not have access to reference them after that date.

Single payments and any recurring payments already set up will continue to process until Oct. 31.

Please make sure to register for MSGCU’s online and mobile banking so you can set up payments in the new bill pay system. You are welcome to bring your list of payees and account numbers to the Clawson branch, or any MSGCU branch office, as we are happy to help you reestablish payments.

Can I save my Bill Pay payees?

Yes. A list of payees can be downloaded in T&I CU’s Bill Pay; however you will need to review each payee to reference your account number for that payee. You may also find your account number on your bills for each payee. Team members in Clawson will be happy to help you if needed.

Will my scheduled recurring Bill Pay payments be impacted?

Yes. Payees will not transfer over into the new system, including existing recurring payments.

It is recommended to download a list of your current payees from Bill Pay. You may bring the payee list, with account numbers for each provider, to Clawson or any MSGCU branch office for assistance in reestablishing your recurring payments.

What kind of historical information will I have access to?

T&I CU transaction history will not be available in MSGCU’s online and mobile banking. If you would like to have access to your historical T&I CU eStatements, please log in and download them from your T&I CU online account before Oct. 31.

While you will not have access to statements or transaction history in MSGCU’s online or mobile banking, team members will be able to help you in a branch office or over the phone if needed.

How do I access statements?

Statements can be mailed to you, or you can elect to receive them electronically (eStatements) while you are registering for online and mobile banking. Paper statements are distributed after month-end and are generally delivered within a few business days, depending upon your mail delivery.

You may receive up to three statements depending on the products you use:

• Account statements, including auto or personal loans
• Credit card statements
• Mortgage statements

Final T&I CU statements for the month ending Oct. 31 will be delivered via paper. As a reminder, make sure to download any historical T&I CU eStatements before Oct. 31 if you would like to have access to them in the future.

How can I make payments on my loan once it is at MSGCU?

There are many options to pay your loan at MSGCU, including but not limited to these methods:

• Transfer funds from checking or savings accounts
• Use the convenient QuickPay service to pay with funds from another bank or credit union or pay by text
• Pay in person at any branch office
• Mail to MSGCU (Attn: MSGCU Processing Department, 40400 Garfield Rd., Clinton Township, MI 48038)

As a reminder, you will not need to make any changes to existing automatic payments set up by the Clawson team using T&I CU funds to your loan, as those will continue to process upon system conversion. If you set up a recurring transfer in T&I CU’s online banking, it will need to be reestablished. T&I CU credit card payments can be made via mail, in branch, or using MSGCU’s online bill pay service after Nov. 3.

Can I continue to pay via text message?

Yes. You will be able to pay via text message at MSGCU after Nov. 3. The provider will be different than what you used at T&I CU, so you may need to opt in again. Additional details will be available closer to Nov. 3.

How do I register for online and mobile banking?

You will need your new MSGCU account number to register which you will receive closer to Nov. 3. Online banking and the MSGCU Mobile App use the same username and password, so you only need to register once.

Start at msgcu.org or download the MSGCU Mobile App from your smartphone’s app store. Select Register or Enroll on the log in screen and follow the on-screen prompts. We welcome you to watch our tutorial which walks you through the process. We are happy to help at any branch office, over the phone, or through Video Banking.

What can I access in online and mobile banking?

Online Banking and the highly rated MSGCU Mobile App provide 24/7 access to:

• View existing accounts and loans
• Transfer between accounts and to/from other banks and credit unions
• View cleared checks
• Add notes and categorize transactions
• Free access to your credit score and credit report
• Send money to friends and family
• Deposit a check from your smartphone
• Apply for a loan online or open a new account, like secondary savings or CD

Will I still be able to use Zelle?

No. You will have access to MSGCU’s Send Money service when you register for online and mobile banking. Like Zelle, Send Money also allows you to easily send money to friends or family with their phone or email address, and it has an added layer of fraud protection with a secret phrase to share with your payee.

To prepare for the change and allow payments to process, Zelle access will be unavailable after Oct. 26.

I am a member at T&I CU and MSGCU. What happens to my accounts?

The accounts will stay separate when the systems combine on Nov. 3. Your T&I CU and MSGCU accounts will eventually be merged into one account, though it is a manual process and will take longer to process. We may need to contact you to complete this step.

I have multiple T&I CU accounts. Will those continue to be separate?

The accounts will continue to be separate, and you will receive a new account number, and if applicable, debit card for each account. If accounts can be combined in the future, we may need to contact you to complete this step.

Is anything changing with safe deposit boxes available in the Clawson branch?

Safe deposit boxes will continue to be available at the Clawson branch and will renew at your current rate until December 2026.

Any new safe deposit box opened on or after Nov. 3 will follow MSGCU’s standard procedures and fees.

Is the fee schedule changing?

After Nov. 2, MSGCU’s fee schedule will be in place. It can be viewed here. Business members can view their fee schedule here. You can receive a printed copy at any MSGCU branch office, or request one to be mailed to you by calling (866) 674-2848.

What is happening to the UChoose Rewards program?

The existing UChoose Rewards program will not continue at MSGCU, although options for earning and redeeming points exist with the MSGCU Rewards Visa Credit Card.

• Debit card UChoose Rewards: Points for debit card use will stop accumulating Oct. 31. After that date, we will let you know how many points you have from debit card usage and when they must be redeemed.
• Credit card UChoose Rewards: No changes are happening at this time, as T&I CU credit cards are not changing until next year. You will hear more in the coming months.

Key dates and action to transition from T&I CU to MSGCU systems