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America's CU - GO Federal CU Merger Updates


*To download the new AmericasCU Mobile App, use the appropriate link here for the Apple App Store or for Google Play. See information below for the Week of May 3 for more details.*

System Upgrade Weekend - April 30 through May 3, 2021

We are bringing our credit unions together to grow your future.  Together, our combined organizations will deliver more products, more services, and greater choices for you. We will begin the process of upgrading our systems the weekend of April 30 through May 3, 2021.

What can you do to prepare?

  • Make sure we have your most current contact information
    • Mailing address
    • Email address
    • Phone number
  • Visit this page frequently to keep up-to-date on important information
  • Make sure you check the System Upgrade Timeline (below) frequently for information, as it is subject to change
  • Check your email frequently for important System Upgrade communication and potential service interruptions  
  • For questions, please contact us at 888-742-6551.

NOTE -- The routing number for America’s Credit Union will remain 311982435. No action is necessary.


Digital Merger & Integration Guide

This online guide includes important information regarding accounts, services and temporary interruptions during our system upgrade.  Please check back frequently as things are subject to change.  


Letter to Members About Upgrade Weekend



Weekend of April 30

On April 30th, 2021, we will begin transitioning to our new digital banking platform. Part of this transition process requires an unavoidable service interruption to your digital banking services over the weekend from April 30th, until the morning of May 3rd at 8:00 AM CDT. During this period, you will not be able to log on to Online or Mobile Banking, schedule Bill Pay payments, set up one-time or reoccurring transactions, or send funds with Popmoney.

Every banking system is being carefully converted to ensure a smooth and reliable transition. Undoubtedly, times of change can bring on a sense of uncertainty in any industry. We are positive that when that uncertainty involves “your finances,” anxiety is ramped up even higher. As hard as we at America’s Credit Union have tried to keep our members informed, the system upgrades are undoubtedly not exempt to that apprehension. Please be assured, we have been very mindful and diligent to ensure a seamless process.

Bill Pay Service Interruption

The last day you can schedule payments and make changes to Bill Pay in the America’s Credit Union Online Banking system is Thursday, April 29th at 3:00 PM CDT. Future-dated payments will be processed during our conversion, but you will not be able to make any new payments or make changes to Bill Pay until the new Online Banking system is available at 8:00 AM CDT on Monday, May 3rd.

NOTE: If you have Bill Pay service set up with scheduled transactions, it is important to log on to digital banking starting May 3rd to verify these scheduled transactions are correct.

Bill Pay Payees and History

Your Bill Pay payees will transfer to the new Online Banking system as well as your past transaction history.

Direct Deposits - ACH Transactions

We are confident members will not experience any disruption in ACH processing. If you are currently receiving direct deposits such as Social Security, or other ACH direct deposits in the form of payroll, etc., these transactions will continue, beginning May 3rd. No action is necessary.

The routing number for America’s Credit Union will remain 311982435 and doesn’t need to be changed. Our core provider has additionally worked directly with the Federal Reserve to eliminate potential room for inaccuracies and ensure processing on the first business day of May.

Debit Card/Credit Card PIN Information

If you are currently using an America’s Credit Union debit card or credit card you can continue to use it. Over the transition weekend, transaction limits will apply for your safety. On Monday, May 3rd, you will need to update your PIN number on those cards by calling 800-290-7893. You can use the same PIN as before.

Note: Your credit and debit cards will continue to work for online transactions, however for PIN-based purchases (such as gas, ATM transactions, etc.), starting May 3rd your PIN must be updated to continue to use your card for point-of-sale transactions.


You can continue to use your current checks after the system upgrade.


*Week of May 3

Register for Online Banking

On May 3rd, 2021 at 8:00 AM, you will need to enroll as a first-time user at americascu.org under Log In. You will need the following to complete the process:

  • Social Security Number
  • Member #
  • Email address
  • Phone number currently on file with the credit union

Once the system can verify who you are (via text, phone, or email), you will be able to set a password and have access to your accounts online.

Note: if your current phone number does not match the phone number currently on file with the credit union, you will need to contact our member service center at 1-800-543-2811 for assistance with logging in for the first time.

Download Mobile App

On May 3rd, 2021, download the new AmericasCU mobile app on your smartphone or tablet via the Google Play or Apple App store. Make sure you have enrolled in the new Online Banking at americascu.org prior to logging into the mobile app.

To download the new app to your phone or tablet, use the appropriate link here for Apple or for Google Play.

Note:  Starting April 30th the current digital banking app will no longer work. You will be required to replace your existing app with the AmericasCU app to continue using mobile banking.

Expanded Branch Network

You can start enjoying the additional branch network or our call center for convenience. Additional branches are located at:

  • 4040 N Central Expressway, Suite 100, Dallas, Texas 75204
  • 3200 W. Pleasant Run Road, Suite 100, Lancaster, Texas 75146

24/7 Automated Telephone Access

24/7 telephone access phone number is 214-742-6551 press #2, or 888-742-6551 press #2, as of May 3rd, 2021.

As an additional layer of protection, we are performing ongoing testing throughout the month of April to ensure our staff is familiar and confident with the process.



System Upgrade Timeline

Every banking service is being carefully converted to ensure a smooth and reliable transition to America's Credit Union. Please take a moment to review the information for accounts you have. Some require you to do follow-up activities once our systems are fully upgraded. For help, please call 1-800-543-2811.




ONLINE BANKING   Offline starting April 30 at 6PM Unavailable Will need to register as a New User @ americascu.org
MOBILE BANKING   Mobile deposits accepted until 3PM and will post on today's date Unavailable

Will need to register as a New User @ americascu.org

Download new mobile app AmericasCU


You can schedule or change any Bill Pay items by 3PM

Unavailable, but payments and transactions will continue to be processed Unavailable, but payments and transactions will continue to be processed New payments & transfers can be scheduled in americascu.org Online Banking
EXTERNAL TRANSFERS   Online Banking goes offline April 30 Unavailable May need to re-link external transfers in Online Banking
DEBIT CARD   Available with limits Available with limits Call 800-290-7893 to reset PIN (can be same number as before)
ACCOUNT STATEMENTS   Your account statements will be processed tonight    
BRANCHES   Normal Business Hours Closed Normal Business Hours
CALL CENTER (MEMBER SERVICE LINE)   Normal Business Hours Closed

Normal Business Hours



M-F 8AM - 6PM

Sat 9AM -  Noon

ACCESS-24 (TELEPHONE BANKING)   Access-24 goes offline Unavailable

Telephone Banking available




ATMs   Available throughout conversion with limits Available throughout conversion with limits Normal processing




We're Excited To Announce Our Most Recent Merger Partner!


GO Federal Credit Union, a $143 million credit union in Dallas, has officially merged into America's Credit Union, effective October 1, 2020.


Enhanced Services For All Members

We are working with GO FCU to prepare for the integration of all systems and services by mid-year 2021. GO FCU brings significant technological strength to the table that will greatly expand services, as well as position America's Credit Union for prospective growth in the years ahead.


Expanded Branch Network in 2021

Additionally, members of both credit unions will benefit from an expanded branch network upon completion of the system integration in 2021.

NOTE: Each credit union's members should continue to use their current branches until an announcement is made in 2021 that all branches are available to all members.


ACU's New Organizational Structure

Combining the credit unions creates a team of about 100 employees serving over 37,000 members, with assets totaling nearly $400 million. We're pleased to announce that all staff members will keep their jobs as employees of America's Credit Union!


ACU President/CEO Rebecca McCoy retired soon after the merger, after first transitioning to a president/consultant role, and GO’s President/CEO Bert Beal has now assumed the full leadership role at America's Credit Union.


This merger offers many benefits to both memberships including enhanced services, a larger branch network, and a stronger financial institution with greater assets to support its member's financial needs. We are pleased to welcome GO FCU employees and members to America's Credit Union!