Member Updates

last updated on May 14, 2025

Banking, Now Even Brighter

As of January 1, 2025, Electro Savings is now a part of CommunityAmerica Credit Union, the largest credit union in Missouri.* This transition combines the strengths of both organizations to better serve our community, providing even more opportunities to help every member achieve their financial goals now and in the future.

Your New Banking Experience Begins June 2

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What to Expect

Our organizations share a commitment to putting members first, no matter what.

Our system conversion will take place May 31-June 1, and will be complete by June 2.

We’ll work closely together to minimize any disruptions in service and keep you informed throughout the process. 

• Now through May 30: Prepare
  • Make sure your contact information is up-to-date.
    • Update any personal information by stopping by an Electro Savings branch or calling 314.434.6470 before May 30.
  • Double-check online bill payments to ensure they are scheduled to be processed on or before May 29.
    • Bill payments scheduled in Online Banking to process on May 30 or later will not go through.
  • Download Electro Savings statements for your records before May 31.
    • This information will not be available via Electro’s online banking after the conversion is complete.
  • Watch your mailbox and email for important information from CommunityAmerica
• May 31: System Conversion
  • Beginning at noon, account information will be inaccessible, but funds can be accessed via ATM and Electro Savings debit card.
  • Electro Savings branches are open during normal branch hours.
  • Your Electro Savings debit card will work as usual today.
  • ATMs and Express Teller Machines are available.
• Sunday, June 1: System Conversion Continues
  • Electro Savings account information will be unavailable.
  • CommunityAmerica and Electro branches, and Member Service Center open special hours: 11am-2pm.
  • Account information will be inaccessible, but funds can be accessed via ATM and your Electro debit card.
  • Your Electro Savings debit card will work as usual today.
  • ATMs and Express Teller Machines are available.
• Monday, June 2: Your New Banking Experience Begins! 
  • All CommunityAmerica services are now available to you. You may now also use any of the CommunityAmerica branch locations including current Electro locations and Credit Union Shared Branch Service Centers.
  • Activate and start using your new CommunityAmerica debit card.
  • Register for CommunityAmerica Online Banking and download the Mobile App.
    • Verify that your new CommunityAmerica accounts are set up as expected.
    • Set up Online Bill Pay as desired.
    • Enroll in eStatements.

Please note that while our team is happy to assist you, the information and services we can provide will be limited from Saturday, May 31, at noon through Monday, June 2.

You will continue to receive communication from CommunityAmerica Credit Union in the coming weeks, with additional details about the merger process and what to expect along the way.

We’ve mailed a Welcome Booklet to each member. This is a step-by-step guide that outlines the entire transition to CommunityAmerica, including what to expect and how to contact us. If you have not received this Welcome Booklet, please contact us or visit an Electro Savings or CommunityAmerica branch locations to get your copy.

Frequently Asked Questions

What is a system conversion?

The system conversion is the last step in completing our merger with CommunityAmerica. This is when Electro systems and products will be integrated into CommunityAmerica’s, allowing for a smooth and seamless banking experience for all members. Once complete, you’ll be able to fully experience the CommunityAmerica difference, including enhanced digital banking, expanded branch locations and hours, and a larger team of friendly faces here to serve your needs.

What will happen to my accounts and loans?

As part of the system conversion, your Electro Savings accounts will transition to CommunityAmerica accounts. Most accounts will be very similar to what you are used to. Refer to your Welcome Booklet for information on how your products will be affected. You can always contact us with any questions you may have.

Your loan rates, terms and payment amounts will not change as part of the merge process. We will communicate any changes regarding loan servicing and payment process to you well in advance.

Will my account number(s) change?

Yes, all you will receive a new CommunityAmerica account number for all your accounts in late May.

Do I need to change my direct deposit?

Yes, you will need to update your direct deposit information to your new CommunityAmerica account number beginning June 2. Do not update your direct deposit until after June 2.

Will my direct deposit still go to my account on June 2?

Yes. For a short time, direct deposits to your current Electro Savings account will automatically be redirected to your new CommunityAmerica account. However, starting June 2, you’ll need to update your direct deposit information as soon as possible to avoid any disruptions.

Can I still go to an Electro branch?

Yes, all branches will remain open and available to serve you. Until the merge is complete, branch hours will remain the same. After the system conversion, Electro branches will become CommunityAmerica branches, offering extended lobby hours. Plus, you’ll have access to personal service with a live teller 7 days a week with our Express Teller Machines.

Can I go to a CommunityAmerica branch or ATM?

Before the system conversion is complete, CommunityAmerica branches will not be able to help you with your Electro accounts. Once the conversion is complete, all Electro branches will become CommunityAmerica branches, and you will be able to use any of the 38 branches across Kansas and Missouri. You can use CommunityAmerica ATMs at any time through the ATM Co-op Network, with no fees.

If you would like to open CommunityAmerica products and services now, you can do so online at CommunityAmerica.com, in person at any CommunityAmerica branch, or by phone at 314.801.6400. CommunityAmerica has several cashback promotions currently running, including a $400 cashback offer when you open a new checking account (thru 12/31/25).

Can I still used a Credit Union Shared Branch?

Yes, you can still use Credit Union Shared branches now with your Electro Savings account and in the future with your new CommunityAmerica account. Your access to Credit Union Shared Branches does not change with this conversion.

Can I still use digital banking?

Yes, please continue to use Electro's digital banking as you normally do until noon on Saturday, May 31. Beginning on June 2, you can register and begin using CommunityAmerica’s Online Banking and Mobile App for an even more advanced digital banking experience, including person-to person payments, card controls, and more. Learn more here.

Do I need to do anything?

There are a few things you will need to do to ensure a seamless transition. Please look for detailed communications from CommunityAmerica via email and USPS. A few things you’ll need to do:

• Now:
  • Be sure your contact and beneficiary information is up to date. Contact us if you need to change anything.
  • Be sure all online bill pays are scheduled to process on or before May 29. Payments scheduled to process after that date should be cancelled and paid manually until the conversion is complete.
  • Download any Electro Savings statements you would like to retain for your records before May 30.
• Beginning June 2:
  • Activate and begin using your new CommunityAmerica debit card(s).
  • Register for CommunityAmerica Online Banking and Mobile App.
    • Verify that your new CommunityAmerica accounts are set up as expected.
    • Set up Online Bill Pay as desired.
    • Enroll in eStatements.

Credit Card Conversion

Exciting news for Electro Savings credit card holders -- you’ll get an early look at the CommunityAmerica banking experience! Your Electro Savings credit card account will be upgraded to a CommunityAmerica credit card account before the full transition.

The credit card conversion process will begin on Friday, May 16 and be completed by Monday, May 19.

We’re committed to making this transition as smooth and seamless as possible for you. Check your mail for detailed information regarding the transition, and note the key things to keep in mind below:

• You will be receiving a new CommunityAmerica Visa credit card soon. Keep this card in a safe place until it’s time to start using it. (Extra bonus, it’s chip-enabled, meaning you will be able to use tap-to-pay!)
• Download any statements or transaction history that you would like to keep for your records prior to May 16. This information will not be available in Electro’s online or digital banking after the conversion is complete.
• Once the conversion is complete, you will need to update automatic or recurring payments with your new card information. You’ll also want to update your mobile wallet with your new card information for quick, easy and secure purchases.
• Watch for your first statement from CommunityAmerica beginning in June, which will include information on how to make your payments.

About CommunityAmerica Credit Union

CommunityAmerica Credit Union is the largest credit union in the states of Missouri and Kansas.* With roots in St. Louis County dating back to 1940, Community America offers everything from checking and savings accounts to wealth management and commercial banking to meet the unique needs of every member.

When you join CommunityAmerica, you get a whole community invested in your financial well-being. We’ve built a legacy of developing relationships with our members, learning about their financial goals and dreams, and providing caring, personalized service far beyond what you may experience with traditional banks.

Learn more about CommunityAmerica

Have more questions? We have answers.

How to reach CommunityAmerica Member Services:
Phone: 314.801.6400
Monday-Friday: 7am-7pm
Saturday: 9am-2pm
CommunityAmerica.com/Electro

Need assistance with your current Electro Savings accounts?
You can continue to contact Electro Savings until the system conversion process is complete.
Phone: 314.434.6470

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