The New Direction is alive and well!

Since my arrival, we have been at work establishing a plan to move Riverfront Federal Credit Union into a new era of greater member service and financial growth; I am happy to report that we are seeing the fruits of our labor. Last year I discussed the start of several initiatives that would help place our member in a better financial position and the credit union on a path of strength and growth. Over the past year, we have had tremendous success in continuing the development of several aspects of the operation. Among the numerous tasks that have been started, we have completed several initiatives that will provide our members with cutting edge services and position the credit union for a vibrant future. The foundation is set.

None of this is completed without a stellar group of employees that are diligently in pursuit of building

all of the principle components that are required for the new direction to operate successfully. However, it all starts with our Board of Directors and our Volunteers. The Board set out and is determined to see Riverfront move into the future successfully. I applaud them as they allow me and my management team to “dream big” and bring the operation to a higher standard of member service.

All of the successes that we have experienced thus far were modernizing some dated processes and on-boarding new service delivery channels; primarily the electronic delivery channels. Although these were much needed to accomplish the task and provide the route for successful delivery, our impending data processing conversion is the pinnacle point that will help us bring it all together. We have spent a lot of time over the last year preparing for the conversion to the new operating system; this has been an arduous task to say the least. The Information Systems department, the department managers and subject matter experts have worked tirelessly preparing all of our member data for a smooth and accurate transition.

On May 2, we will turn “off” the old system, and turn “on” the new. This will be a remarkable milestone in Riverfront’s history as the new operating system will enable us to do many things that will make your financial life better. Equally

important, we are doing everything possible to eliminate potential issues, creating a seamless transition to the new system. I give you my personal assurance that every member and all data will flawlessly migrate onto the new system.

Going forward, be on the lookout for more great products and services, but equally important, be on the lookout for greater speed and enhanced technology in our effort to serve you. Additionally, as we move forward, we will continue to produce an operation that progressively gets better. We are here to serve our member owners and provide a safe and effective place to meet or exceed your financial needs. After all, our primary job is to make your financial life better.

A QUARTERLY NEWSLETTER FOR THE MEMBERS OF RIVERFRONT FEDERAL CREDIT UNION April 2016

A Message from Our President

Tim McLeod, President and CEO

On May 2, we will turn “off” the old system, and turn “on” the new. This will be a remarkable milestone in Riverfront’s history as the new operating system will enable us to do many things that will make your financial life better.

DETAILS ON NEXT PAGE ►

The New Direction continues!On May 2, 2016, an all new operating system will bring you the best advances in banking.

WH

AT

DO

ES

TH

IS M

EA

N F

OR

ME

?

1

2

3

4

5

PREPARING FOR THE UPGRADE

APRIL 29 FRIDAY, REGULAR HOURS At 6:00 PM Online Banking, Mobile Banking, Mobile Deposit and Telephone Banking will become unavailable until Monday, May 2nd.

APRIL 30 SATURDAY, CLOSED All branches closed

MAY 1 SUNDAY, CLOSED All branches closed

MAY 2 MONDAY, REGULAR HOURS Regular hours resume with all branches opening at 9 AM.

MAY 27 DID YOU RECEIVE YOUR NEW DEBIT CARD IN THE MAIL? If you have not yet received your Visa-branded, chip-enabled debit card please call us at 610-374-8351.

When you receive your new debit card remember to activate it right away. Once the new card is activated, destroy the old card.

JUNE 16 HAVE YOU RECEIVED YOUR NEW CREDIT CARD IN THE MAIL? If you have not yet received your Visa chip-enabled credit card please call us at 610-374-8351.

JUNE 17 MIDNIGHT MasterCard debit cards and STAR ATM cards deactivate.

JUNE 24 MIDNIGHT Access to online credit card site eZCardinfo.com ends.

JUNE 25 MIDNIGHT Your current Visa credit card will become inactive at midnight on June 25th.

Beginning on June 26th (but not before) you can activate your new Visa credit card. Once the new card is activated, destroy the old card.

CREDIT CARD• New cards will be mailed in June• Chip-enabled security• Your credit card will have a new number and expiration date• New payment address • New design: vertical, flat printing, silver

ONLINE BANKING• When the computer system upgrade is complete on May 2nd you will need to re-enroll in our new Online Banking service.• New look• New features• Easier to navigate • All of the accounts that you are the primary or joint owner of will be accessible with just one log in.

TELEPHONE BANKING• When the computer system upgrade is complete on May 2nd you will need to re-enroll in the upgraded Telephone Banking service.• The menu will change so listen carefully.• All of the accounts that you are the primary or joint owner of will be accessible with just one log in.

MOBILE BANKING• When the computer system upgrade is complete on May 2nd you will need to download the new version of our Mobile Banking app from your app store.• New look• Easier to navigate • New features• All of the accounts that you are the primary or joint owner of will be accessible with just one log in.

DEBIT & ATM CARD• New cards will be mailed in May• Chip-enabled security• Your PIN will remain the same• Your debit card will have a new number and expiration date• New design: vertical, flat printing, blue• All current MasterCard debit cards and STAR ATM cards will be replaced with a new Visa-branded debit card.

April 29 @ 6 PMthrough May 1COMPUTER SYSTEM upgrade

Is my Riverfront Credit Card affected in any way during the branch closure?

There will be no interruption in service with your Riverfront credit card during the branch closure.

However, in June you will receive a new chip-enabled Visa Credit Card. Beginning June 24th, you will no longer be able to access eZCardinfo.com. There will be no online access to your credit card until June 27th. Beginning June 27th you will access your credit card information through Riverfront’s Online Banking service instead of eZCardinfo.com. You will need to re-enroll or enroll in our new Online Banking service to access your credit card online.

Will I be able to use my Riverfront ATM Card during the branch closure?

Yes. You will be able to utilize your ATM card at ATMs. You will not be able to perform balance inquiries at the ATM.

How will Riverfront’s night deposit box be affected during the branch closure?

Items deposited into our Night Deposit boxes after 9:00 AM on April 29th will be processed on Monday, May 2nd.

What will happen if I have an automatic payment scheduled using my Riverfront Debit Card during the branch closure?

Automatic debit card payments scheduled to settle on April 30 or May 1, 2016 will be processed on Monday, May 2nd.

What will happen if I have an automatic payroll deposit, Social Security deposit, etc. scheduled to post to my account during the branch closure?

Automatic deposits scheduled to settle on April 30 or May 1, 2016 will be processed on Friday, April 29th.

Will my statement/e-statement format change?

Riverfront’s member statement will change slightly in appearance; however, all of the information currently included on your member statements will not change. You will continue to access your e-statements through Online Banking but on May 2nd you will need to re-enroll in our upgraded Online Banking service.

Will I be able to access Riverfront’s website at RiverfrontFCU.org?

The credit union’s website will be accessible for product and service information only. Visit RiverfrontFCU.org and our Facebook page for up to date information and instructions.

Will I be able to apply for a loan or close a loan during the branch closure?

No. Loan applications will not be accepted and no loans will close during the branch closure. Please plan ahead for your immediate lending needs.

Will I be able to access online applications during the branch closure?

No. Loan applications, membership applications and account service applications will not be available during the branch closure. Normal business operations will resume on May 2nd.

Will I be able to call Riverfront during the branch closure?

Our staff will not be available to assist you during the branch closure. The upgrade requires us to close while we configure the new system. On May 2nd we will back to business as usual and ready to answer your questions and assist you.

Please note some menu prompts will change and instructional information will be available through new menu options.

All of us at Riverfront Federal Credit Union thank you for your patience and cooperation as we evolve to better serve you.

FOR UPDATES AND INFORMATION VISIT OUR WEBSITE AND/OR FACEBOOK PAGE.

MORE FAQsBranch Closure and Limited Access to Services

COMPUTER SYSTEM upgrade April 29 @ 6 PMthrough May 1

CLOSED

SaturdayApril 30

REGULAR HOURS

MondayMay 2

CLOSED

SundayMay 1

CLOSING 6 PM Regular Hours

FridayApril 29

FOR UPDATES AND INFORMATION VISIT OUR WEBSITE AND/OR FACEBOOK PAGE.

FREQUENTLY ASKED QUESTIONS

Will Riverfront close during the upgrade?

Yes. Upgrading our computer system is a significant improvement that requires us to close while we configure the new system. Online Banking, Mobile Banking, Mobile Deposit and Telephone Banking will not be accessible during this time.

What does this conversion mean for me?

We are installing a more robust information system with advanced technology so we can provide you with the best possible products and services. With this system upgrade you’ll have even more options available to make your financial life easier.

Why Is Riverfront making these changes?

To stay ahead of the technology curve and continue offering our members innovative financial products and services, we need to move to a more robust computing platform. This upgrade will allow us to better serve the needs of all of our membership.

Will I have access to my money during the branch closure?

You will have access to your money through ATMs, you can make purchases using your debit card and you can write personal checks. You will not be able to perform balance inquiries at an ATM during the branch closure.

Will I be able to view my e-statement during the branch closure?

No. Once the upgrade is complete, you will be able to access your e-statement two ways: as usual, by logging in to Online Banking – you will need to re-enroll in the new, upgraded Online Banking service. Or, by logging in to our new, secure e-statement web portal. Check our website for more information on this option closer to May 2nd.

Will I have access to Online Banking, Mobile Banking, Mobile Deposit or Telephone Banking during the branch closure?

No. Online Banking, Mobile Banking, Mobile Deposit and Telephone Banking services are all part of our upgrade. You will not have access to these services beginning at 6:00 PM on Friday, April 29th. Our new, upgraded Online Banking, Mobile Banking app and Telephone Banking services will be available on Monday, May 2nd.

You will be required to re-enroll in both Online and Telephone Banking services once the computer system upgrade is complete. You will also need to download the new, upgraded Mobile Banking app from your app store.

Will I have access to Bill Pay during the branch closure?

Yes. Bill Pay will not be affected by the upgrade.

Will there be interruptions in payments I have scheduled in Bill Pay? What will happen if I have a payment scheduled during the branch closure?

No. Your payments will occur as scheduled with no interruption.

Will my Riverfront account number change?

No. Your Riverfront account number will not change.

Will Riverfront’s routing number change?

No. Our routing number will remain the same.

Will I be able to use my Riverfront Debit Card during the branch closure?

Yes. You will be able to utilize your debit card at ATMs and to make purchases. You will not be able to perform balance inquiries at the ATM.

Reading Shillington St. Joseph Medical Office Building

Monday 9 AM to 5 PM 9 AM to 5 PM 9 AM to 4 PM

Tuesday 9 AM to 4 PM 9 AM to 4 PM 9 AM to 4 PM

Wednesday 9 AM to 3:30 PM 9 AM to 3:30 PM 11 AM to 3:30 PM

Thursday 9 AM to 5 PM 9 AM to 6 PM 9 AM to 5 PM

Friday 9 AM to 6 PM 9 AM to 6 PM 7 AM to 5 PM

Saturday 9 AM to 1 PM 9 AM to 1 PM 9 AM to 12 PM

CONTACT INFORMATION

430 S 4th St Reading PA 19602610-374-8351 | 800-451-3477RiverfrontFCU.org

ROUTING NUMBER231385536

In the WorkplaceNEWLY PROMOTED

NEWLY HIRED

Congratulations on your promotion!

(L) Michelle - promoted to Manager of the St. Joseph Medical Office Building Branch

(R) Cindy - promoted to Manager of the Shillington Branch.

We are very excited to have you on board!

Left to right: Nicole - Member Service RepresentativeManny - Asset Recovery ClerkRich - Lending ManagerElina - Marketing Specialist

In the communityFinancial Reality Fair at Reading High SchoolRecently, Riverfront joined forces with area credit unions to bring the Financial Reality Fair to over 900 Reading High School seniors. This “real world” exercise asked students to choose a career with a corresponding salary; then to select options for life essentials like housing, food, transportation, etc. They visited mock merchants such as auto dealers, cell phone providers, and cable service to purchase goods and services needed for everyday life. As in the real world, entertainment opportunities and other non-essential services were also available. At the end of the exercise, students tallied their expenses to learn if their choices allowed for them to live within their income. Financial counselors were on hand to offer suggestions and answer questions. Feedback from students and volunteers indicate it was a wildly successful undertaking. More to come!

A student spinning the Wheel of Reality that yields a good life event such as or overtime or bad life event like a flat tire.

Financial counselors offering participants suggestions and answers on how to live within their means and protect their credit.

Our very own CEO, Tim McLeod, counseling a student on her financial reality.

Community Engagement Coordinator Marcy with students exploring housing options based on the career/salary they chose.