mixed membership account notice
Action needed to ensure clear access, privacy, and account authority with our new digital banking conversion.
Important account update
This summer, we’re upgrading to a new, state-of-the-art digital banking platform designed around individual access and privacy — rather than shared account access (in our current system). As part of this transition, we identified that one or more of your memberships includes a joint owner who does not currently have access to all deposit accounts under that membership (called a mixed membership).
To ensure clear access, privacy, and account authority with our new digital banking conversion, we need to hear from you about how you’d like us to handle those accounts.
Please review the options and FAQs below and contact us within 30 days to discuss your account ownership preferences.
Next steps
What are my options? And what is the impact of each choice?
To resolve your mixed membership within the next 30 days, you may choose any of the following options:
Option 1
For each mixed membership, add the joint owner(s) to all your deposit accounts if they are currently a joint owner on at least one deposit account within that same mixed membership.
Considerations
- Gives them full access to your account information and transactions
- Allows them to make transactions on those accounts
- Provides them with a right of survivorship to those accounts
- The joint will also be responsible for overdrafts, fees, and negative balances
- This option is not permitted for members with IRAs or HSAs
Option 2
Separate deposit accounts within your mixed membership(s) that are not shared with joint owners, from those that are jointly owned.
Considerations
- Some accounts will be closed and reopened under a new account number. This process may require you to reset direct deposits, scheduled bill payments, and other reoccurring transfers.
Option 3
Remove any current joint owner from all deposit accounts within your mixed membership.
Considerations
- Immediately ends joint access to your deposit account(s) (including cards, branch access, and contact center access)
- May affect deposits made payable to the removed joint owner to the account(s) in the future
- Ends their right of survivorship on the account
Why this matters
If we don’t hear from you, we’ll need to take the following steps when we upgrade to our new digital banking platform to retain your account privacy:
- The joint owner on your mixed membership will not have access to e-statements for any account beginning July 21, 2026
- In the future, the joint may be charged a paper statement fee for any separate membership in which they are the primary owner. Because the new digital banking system is person-centric (meaning all accounts owned by a person are included in one login profile),
e-statement ineligibility will apply to all their accounts
Contact us with your preferences
To ensure your account is updated by the time of our conversion, please reach out within 30 days by contacting us during business hours (Monday–Friday, 8:30am–5:30pm):
- Send us a secure message: Log into online banking, choose “Other”, “Secure Messaging,” and connect with a live consultant
- Call us: Reach out at 541-714-4000
- Visit any branch: Stop by any of our 16 locations and we’ll be happy to assist
Mixed Membership options: FAQs
If we don’t hear from you, we’ll need to take the following steps when we upgrade to our new digital banking platform this summer to retain your account privacy: (1) the joint owner on your mixed membership will not have access to e-statements for any account beginning July 21, 2026, and (2) in the future, the joint may be charged a paper statement fee for any separate membership in which they are the primary owner.
Our Financial Service Consultants are here to help. Please reach out to us and we’ll help you review your current account ownership settings and choose the best option to meet your needs, and the needs of your joint owner.
Our new and improved digital banking platform will offer:
- All your accounts, all in one place — our new platform is individual-centric, which means you can manage all your memberships and accounts with one login. You’ll get all your statements in one place, too!
- Improved joint owner access — the joint owners on your membership will get their own login credentials and ability to customize alerts, tools, and resources to fit their individual needs
- Modern design, easy navigation — you’ll enjoy a world-class user experience, with simple and straightforward navigation features
- Improved security features to help protect your accounts
- Financial wellness tools, including the ability to sign up for free credit score alerts
- Smarter account alerts and more personalized setting options
- Streamlined payments and transfers — enjoy fast and easy person-to-person (P2P) payments and external transfers, and a better bill pay experience
- New and improved business banking — enhanced insights, tools, user access settings, transfers, payments, and more features to run your business.
We’ve designed this upgrade with your needs in mind, and we can’t wait for you to experience it!