Frequently Asked Questions about PPL GOLD's Recent Conversion

1. Why did the credit union undergo a conversion?
2. When did the conversion occur?
3. Will my member number, checks and debit card stay the same?
4. Will my direct deposits, payroll deductions and other automatic payments stay the same?
5. Did Internet Banking change as a result of the new upgrade?
             Transaction History
             Linked Accounts
             New Features
6. How do I access the newly upgraded Internet Banking website and login to my accounts?
7. Did BillPay change as a result of the new Internet Banking upgrade?
8. Will I continue to receive a monthly or quarterly statement?
9. What are the long-term benefits of this conversion? 
10. How can I find out more information or submit a question?

1. Why did the credit union undergo a conversion?

The credit union's goal is to always provide constant improvements in the way we operate to ensure our member's experience with us is positive and exceeding their expectations. Over the past year and a half, we worked to improve our branch facilities and now we are working to improve our operations. Our previous data processing system  served us well over the last few decades and now our new system will allow us to continue serving our members well into the future. While our conversion brings some changes and initial adjustments, we are confident that you'll be pleased with the overall benefits.

2. When did the conversion occur?

PPL GOLD successfully completed the conversion and was open to serve the membership on Tuesday, January 4, 2011.

3. Will my member number, checks and debit card stay the same?

Yes.Your member number will remain the same. You can also continue using your current checks and debit cards after the conversion. In an effort to keep your best INTEREST at heart, we have chosen to minimize the amount of changes to your membership accounts.

Yes. All direct deposits, payroll deductions and other automatic payments will not change. There will be no interruptions to your current established connections.

5. Did Internet Banking change as a result of the new upgrade?

Our Internet Banking website received an upgrade as a result of the conversion. Many of the same products and services you are used to will still be available to you when you login. Below is a summary of the features that have slightly changed and an overview of our new online additions. 

Transaction History

Our newly upgraded Internet Banking website does not contain the financial transaction history of your accounts prior to January 1, 2011.

Your financial transaction history of your online accounts will always be included in your member statements sent via U.S. mail. However, if you would like to view your transaction history prior to receiving your December 2010 financial statement, please contact us.

 Linked Accounts

Some members might have previously had the ability to access multiple member accounts in Internet Banking with one login. Depending upon the account ownership, you could have had the functionality to view account balances, make transfers of both deposits and withdrawals and to view history of linked accounts OR to make transfers of deposits to linked accounts.

As a result of our Internet Banking upgrade, all linked account access will now function to only make transfers of deposits to linked accounts. Regardless of account ownership, members will no longer be able to see balances and histories of their linked accounts. To view account balances of linked accounts, members will have to login to these accounts directly.

We are actively pursuing the capability to provide you with the services you are accustomed to and anticipate these functionalities to be available sometime in 2011. 

New Features

•  Financial Management Tool - A new feature which can help members keep better control of their budget. You can use this tool to do the following: View transactions by category or for a specific date, set up payroll/expense categories and compare expenditures against a budget, track history of categories over a monthly period, view a balance sheet of assets and liabilities.

• Check Register - A new feature which allows members to reconcile their checkbook online.

• Just Ask - A new feature that provides members with a search engine designed to help them find items faster in Internet banking.

• DEMO Internet Banking Website - A new tool that allows members to preview our Internet Banking website and the products and features available to them as Internet banking users. You can access the DEMO from the Internet Banking login screen.

6. How do I access the newly upgraded Internet Banking website and login to my accounts?

You can access Internet Banking by clicking the “Access Your Account” button on our homepage. You can also access the website by typing the following URL into your Internet Browser: https://online.pplgold.org.

Registered Internet Banking Users

Members who were already registered and using Internet Banking prior to December 31, 2010, should click the yellow “Login” button in the Registered Internet Banking User box of the login screen. If you are logging in for the first time after January 3, 2011, your password will be the last four digits of the primary account holder's social security number. You will then be prompted to change your password.

New Internet Banking Users

For members who have never registered to use Internet Banking, you can create your Internet Banking account and login by clicking the “Setup Your Info” button in the New Internet Banking User box of the login screen. Your password will be the last four digits of the primary account holder's social security number. You will then be prompted to change your password.

7. Did BillPay change as a result of the new Internet Banking upgrade?

There were no major changes to our BillPay service as a result of the Internet Banking upgrade. If you are an existing BillPay user, all of your account payees will be available to you when you log into Internet Banking. Some of the BillPay screens will look slightly different, but the functionality remains. You can still view, edit and add to your Payee List, Schedule payments, and view payment history. All of your BillPay history, including anything prior to January 1, 2011, will be available to you within Internet Banking.

8. Will I continue to receive a monthly or quarterly statement?

Yes. You will continue to receive your member account statements from us, either monthly or quarterly dependent upon the types of products and services you have at the credit union. There will be a slight change to your statements, beginning with your January statement, mailed in February. The statements will be easier to read and will include a summary of your accounts on the first page.

9. What are the long-term benefits of this conversion?

• Our new system will improve our response time to member inquiries.
• The capabilities of this new system will allow us to develop and implement additional products and services to provide to our members.
• The transaction fees currently associated with our debit cards will be eliminated.
• Joint owners on an account will be considered a member, without being required to open an additional account.

10. Where can I find out more information or submit a question?

If you have an additional question that is not answered here, please email your question to mas@pplgold.org. Check back frequently for updates.