Red Alert Attention Legacy Mountain Valley Members: Important updates regarding the merger are now available. Please visit our Merger Information Page for details.

Please Note: Due to high call volume, we encourage you to use one of our digital channels available. Visit our Contact Us page to connect. Close

Welcome to AmeriCU

We’re excited about the opportunities this merger brings and hope your transition has been smooth. As an AmeriCU member, you now have access to a full range of products and services to help you and your family achieve financial success.

Support and FAQs for Existing Members >>

Accounts Merger

Accounts — Same You, New Benefits!

All Mountain Valley accounts automatically converted to comparable AmeriCU accounts — no action is needed! You still have your favorite Savings, Checking, Share Certificates, and Money Market accounts, now with enhanced perks and features.

  • Checking Accounts: Your account is now AmeriCU Freedom Checking — simple, flexible, and loaded with benefits. You can explore other checking options if you’d like.
  • Savings Accounts: These converted to AmeriCU Share Savings accounts.
  • Share Certificates: Keeping it steady — same rates, same terms, same maturity dates.
Loans Merger

Loans — Smooth Transition Ahead!

Good news: all Mountain Valley loans converted seamlessly to AmeriCU loans with the same rates, terms, and payments. You don’t need to lift a finger!

  • Loan protection coverage stays the same.
  • Mortgages with OwnersChoice? No changes there.
AmeriCU App

Online & Mobile Banking — Ready, Set, Connect!

  • Enrollment is ready now!
  • Download the AmeriCU app or enroll here.
Transaction History: Mountain Valley account history does not transfer to AmeriCU’s system.
Locations & Services Merger

Locations & Services — More Access, More Convenience!

Your favorite Mountain Valley branches aren’t going anywhere — they’re becoming AmeriCU Financial Centers!

New Hours starting December 1:

  • Mon–Thu: 9 AM–4 PM
  • Fri: 9 AM–5 PM
  • Saturdays (Peru & Keeseville): 9 AM–12 PM starting January 3
Plus, you’ll get even more ways to connect:
  • AmeriCU’s Member Contact Center and Virtual Financial Center
  • Interactive Teller Machines (ITMs) coming early December — deposit, pay loans, or chat live with a teller! Check out a short demo here

Temporary ATM downtime may occur during system upgrades, but don’t worry — any fees from third-party ATMs during that period will be reimbursed. Additionally, new coin machines are scheduled to arrive the week of December 8. While installation is underway, our tellers will be happy to accept rolled coins.

Mountain Valley Member Support

During this transition, call and branch traffic may be higher than usual. For the fastest service, please use our digital options whenever possible:

  • Email: [email protected]
  • Live Chat: Visit www.AmeriCU.org and click “Let’s Connect” in the lower right-hand corner.
  • Phone: 315.356.3000 (select ‘Option 2‘ for the Merger Queue).

•You can activate and start using your new AmeriCU debit card right away.

Your existing Mountain Valley debit card will continue to work during this transition period, but we recommend activating your new card as soon as possible to avoid any future disruptions.

*Please note: Mountain Valley Debit Cards may incur posting delays and we recommend activating your new AmeriCU Debit Card as soon as possible.

• If you haven’t received your new card:
You can get one instantly at either our Peru or AuSable Forks Financial Centers.

• If you received your card but can’t activate it:
This is likely due to outdated information in our system. Please contact us so we can update your information and activate your card(s):

  • Email: [email protected]
  • Live Chat: Visit www.AmeriCU.org and click “Let’s Connect” in the lower right-hand corner.
  • Phone: 315.356.3000 (select ‘Option 2‘ for the Merger Queue). You can also request a call-back to hold your place in line without staying on the phone.

AmeriCU’s Online & Mobile Banking is ready for you!
You can now enroll and start using AmeriCU’s Online and Mobile Banking platform.

How to Get Started:

  • Use your AmeriCU Member Number as your username.
  • Your temporary password is the 2 digits of your birth month + the last 2 digits of your Social Security Number.
  • After your first login, please update your username and password for security.

Important Reminders:

  • If you were enrolled in eStatements at Mountain Valley, you’ll need to re-enroll at AmeriCU.
  • BillPay users must re-enter payee information into AmeriCU’s system.
  • To enjoy mobile banking, download the AmeriCU App from your app store.
  • Business members can email [email protected] for assistance with special features.

Need Help?

  • Email: [email protected]
  • Live Chat: Visit www.AmeriCU.org and click “Let’s Connect” in the lower right-hand corner.
  • Phone: 315.356.3000 (select ‘Option 2‘ for the Merger Queue). You can also request a call-back to hold your place in line without staying on the phone.

Please complete some Important Action Items:

  1. Make sure to review and update all of your recurring deposits and scheduled withdrawals so that they continue to process correctly without interruption.
  2. Don’t forget to activate your newly issued debit cards to ensure you can access your funds and make purchases seamlessly.
  3. In addition, take a moment to re-enroll in any account restatements or reporting services you rely on, so that your financial records remain accurate and up to date.

Frequently Asked Questions

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New debit cards can be instantly issued at our Peru Financial Center or AuSable Forks Financial Center.

Your personal information might not be updated in the system – please contact us by:

  • Phone: 315.356.300 and select ‘Option 2’ for the Merger Queue.
  • Email: [email protected]
  • Live Chat: feature on www.AmeriCU.org by clicking “Let’s Connect” in the lower right-hand corner.

*Please note: your existing Mountain Valley Debit Card will continue to work during this transition for a period of time, but we do encourage you to activate your new AmeriCU card as soon as possible to avoid service disruptions.

Your existing Mountain Valley debit card will remain active during this transition, though we recommend activating and using your new AmeriCU Debit Card as soon as possible to avoid any disruption.

As with your debit card, your personal checks will still clear during this transaction. You can order checks by calling Deluxe directly at 1.877.838.5287 and using your new AmeriCU checking account information provided in this letter or contact an AmeriCU representative for assistance at www.AmeriCU.org or 800.388.2000. AmeriCU will reimburse the cost for your first book of new checks. 

Any existing automatic payments will still clear during this transition window, but we recommend taking this time to adjust all automatic payments to your new account numbers to avoid any potential issues.

Yes, you will need to update your direct deposit information with your employer, though any existing deposits will still post and be accessible during this transition period. If you need assistance please contact us by phone 315.356.300 and select option 2 for the merger queue. Email, [email protected] or use or Live Chat feature on www.americu.org by clicking “Let’s Connect” in the lower right-hand corner.

You can also send this form to your employer to ease the process. (Direct Deposit gets you paid one day earlier!)

Yes, you will need to update your direct deposit information with Social Security if you receive benefits.

*Please note: any existing deposits will still post and be accessible during this transition period.

SSI Direct Deposit information can be updated online – please use this resource to do so.

Yes you will have new account numbers at AmeriCU. You can find both our AmeriCU routing number and your new account numbers in Online & Mobile Banking.

How to Get Started:

  • Use your AmeriCU Member Number as your username.
  • Your temporary password is the 2 digits of your birth month + the last 2 digits of your Social Security Number.
  • After your first login, please update your username and password for security.

Yes. During this transition period and ATM downtime, AmeriCU will automatically be reimbursing any incurred late fees or foreign ATM fees.

Please note: AmeriCU is a part of the CO-OP network comprised of more than 30,000 fee-free ATMs. Locate these here.

Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!


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