Frequently Asked Questions
A primary banking system is the computer software on which most customer account(s) and information is stored. This update will include updating other programs and applications that connect to the primary system as well.
Our upgrade, which is very common among financial institutions, builds a more robust backbone to help us serve you better now and in the future.
We will convert to a new banking system starting at 6:00 pm ET Friday, July 17 through Monday, July 20, 2026.
Yes. Online Banking and Personal MoneyLine will be unavailable from 6:00 pm ET on Friday, July 17 through Monday, July 20. Our branches, mortgage loan offices, and Customer Care call center will not be open Saturday, July 18 through Monday, July 20. We will reopen on Tuesday, July 21.
Depending on which services you use with us, you may need to make a few preparations in advance, as you will not have access to your accounts from 6pm ET Friday, July 17 through Monday, July 20. Your debit and equity cards will work during the upgrade, but most other services will be unavailable.
- If you usually come to a branch on Saturdays, make plans to visit the branch earlier in the week.
- Make any mobile deposits by 4:00 pm ET on Friday, July 17.
- Make any deposits, transfers, or payments in branch or online by 6:00 pm ET on Friday, July 17.
- ATMs will work during the upgrade.
As part of the upgrade, we will be updating our online card management platform. As of July 17, you will not be able to change the status of your card, or any alerts and spending limits you have in place. Please review these prior to Friday, July 17. All cards will be returned to an active status on Monday, July 20, and any alerts and limits in place will be reset.
Yes. Your funds will be safe and secure during the upgrade.
During the upgrade weekend, starting at 6:00 pm ET on Friday, July 17, through Monday July 20, you will not be able to obtain account balances, as the system will be intentionally unavailable.
No. Online Banking and Personal MoneyLine will be unavailable during the upgrade beginning at 6:00 pm ET on Friday, July 17. These services will resume on Tuesday, July 21.
Yes. Our online loan application will not be affected by this upgrade.
Some transactions, such as planned transfers and automatic payments, will process on Monday, July 20.
Yes. You can continue to use your debit/equity cards, and you can write checks as usual during the upgrade weekend.
Yes. You will be able to make withdrawals from ATMs during the upgrade.
You can withdraw your funds in several different ways: through ATMs, by writing a check, or using your debit/equity card for point-of-sale purchases.
Please call 1-877-896-5657 to report your Third Federal debit/equity card lost or stolen.
Yes. Personal MoneyLine, our interactive voice response system, will upgrade to a new, easier-to-use platform. When you call into the system for the first time after July 20, you will need to enter the last four digits of your Social Security Number. Then you will be prompted to reset your personal identification number (PIN). Please note: You must call from a phone number you have on file with Third Federal.
No. As of April 30, 2026, we no longer accept telephone payments from external accounts for direct principal payments.
Instead, you can:
- Log in to your Third Federal Online Banking account and make a principal-only payment, right from your Third Federal deposit account(s). In Online Banking, you can also set up a principal-only payment from an external account at another financial institution. If you are not currently enrolled in Online Banking, sign up at thirdfederalonline.com.
- Send us a wire for the principal amount. We will waive the incoming wire fee.
- Mail a check to us via US Mail, or by expedited overnight delivery. Please indicate that you would like the payment to be “principal only.”
It is important to check your accounts regularly. However, after the upgrade all loan payments will be pulled from external accounts on the day the payment is due.
No. Your username and password will remain the same.
Most statements will be delivered on the same schedule. However, for deposit accounts with no activity, customers will now receive statements quarterly, instead of annually.
In addition, this year only, you may receive two statements for your account in July. One statement will report monthly activity through July 17. The newly formatted statement will report activity from July 18 through the end of your regular statement cycle.
No. Everything will remain the same. Once the upgrade is complete, you will have immediate access to your account history within Online Banking and your Mobile Banking app.
Yes. Currently, interest is paid on various dates, depending on the account. After the upgrade, all deposit interest will post on the last day of the month.
No. Your account numbers will stay the same.
Your current checks will continue to work.
No. You do not need to contact your employer or any companies that currently withdraw or deposit funds into your account.
Please use the channels you typically use to communicate with us, including :
- Visit www.thirdfederal.com/upgrade to view Frequently Asked Questions
- Visit or call your local branch
- Call Customer Care at 1-800-THIRD-FED
- Log in to your Online Banking account to chat or send a secure message.
We will reopen on Tuesday, July 21.
Yes, account statements and notices will have a new look, but the types of information presented on the statements will not change.
Still have questions? For more information please call our Customer Care line at 1-844-798-7784 or visit our Contact Us page for more ways to get in touch.
