As we transition your account(s) from First National Bank Northwest Florida's operating system to the Innovations Financial Credit Union operating system, we are committed to making this process as seamless as possible. Please take a moment to review the key details about Conversion Weekend and how it will impact your account(s).
What To Expect
Conversion Date and Time
The conversion process begins at 5 PM on Friday, January 31, 2025. At this time, your First National Bank accounts will transition to Innovations Financial Credit Union's system.
Lobby Service Available on Saturday, February 1, 2025
To assist you during the transition, two Innovations branch locations will be open on Saturday, February 1, from 9 AM to 2 PM:
New Account Numbers
Your new account number will be mailed to you in January, along with the last four digits of any debit card linked to your account.
Innovations Routing and Transit Number
Starting February 3, please use Innovations FCU's Routing and Transit Number: 263281556 for any new ACH or direct deposit transactions.
- Existing direct deposits and payments, such as Social Security deposits, payroll, and automatic withdrawals, set up before January 31, will continue without interruption.
Debit Card Transition
- You will receive a new Innovations FCU debit card in January, which can be activated on February 3, 2025.
- Update any automatic payments linked to your current First National Bank debit card with your new Innovations card details.
- Your First National Bank debit card will be deactivated at 5 PM on January 31.
Checks
You can continue using your checks with the First National Bank logo until they run out. After the account conversion, your current checks will continue to process without any disruption.
Online and Mobile Banking Services
Your First National Bank online and mobile banking credentials will no longer work after 5 PM on January 31.
Please note the following:
- Transaction History and Statements: Download or print your transaction history and statements before the system is deactivated.
- Bill Pay Services: Payee information and payment history will transfer to Innovations' digital banking platforms. Payments submitted prior to January 31, 2025, will be processed without interruption.
Beginning February 3, you may enroll and begin using the Innovations Digital Banking services. Here's what you will need to Enroll your account:
- Online Banking: Visit innovationsfcu.org/digital-banking/online-banking/ to enroll using your Social Security Number, Account Number, and Birth Date. Business Accounts will need their TIN or EIN and account number.
- Mobile Banking App: Download the "Innovations FCU" app from your device's app store and click "Don’t have an account? Enroll." Your Social Security Number, Account Number, and Birth Date are required for enrollment. Business Accounts will need their TIN or EIN and account number.
Account Statements
Innovations will consolidate your Share (Savings), Checking, and Loan accounts into a single monthly statement per account number. Account statements are mailed at the end of each month.
- A final account statement from the First National Bank system will be sent for account activity through January 31, 2025.
- Following the account conversion, you will receive your first integrated Innovations FCU account statement. Your first statement will serve as a reference to verify balances, etc., by matching it to your January 31, 2025, statement.
Safe Deposit Boxes
If you currently have a safe deposit box at one of the former First National Bank locations, your access will remain unchanged. A new Fee Schedule with lower rental rates will be mailed to you.