Corporate Connection E-Magazine

Corporate Connection is our quarterly e-magazine that features information on our latest happenings and hottest services. If you want an insider look at what’s going on at Vizo Financial, Corporate Connection is a must-read! Check it out now!

Welcome to 2026! Boy, has the last year flown by quickly! It feels like it was only yesterday we were talking about warmer temperatures and the start of the summer vacations. As we begin a new year and start implementing our plans for the future, it makes me think about how much I appreciate every one of you, our members, each day.

It’s true that 2025 was filled with plenty of challenges and waves of chaos, but we met them head on, accomplished a lot and have the privilege of starting out the new year on a very strong note. Our financial position remains solid, which allowed us to pay a strong PCC rate of 10 percent to our members and an incredible 75 percent giveback through our Member Incentive Credit (MIC) program in December, which totaled over $4.8 million for our credit unions. We were pleased to hear from many of you just how much this giveback meant, and we’re honored to show you how much we value your membership.

On another positive note, we topped our member survey results from last year, setting a new record for member satisfaction. Our goal is always to provide top-notch service and support to credit unions, and I’m thrilled to see that our efforts are paying off. Accelerating credit union success is at the heart of everything we do, so I love hearing that we’re meeting or even exceeding your expectations!

As we move into 2026, we will be focused on addressing your strategic goals and pain points with our products and services. While we feel it is important to give back to our credit unions in the way of competitive rates and a very generous member incentive credit, we believe it is equally important to invest a portion of your capital with an eye to the future. Member growth and risk management will continue to be top-of-mind, and we will soon be introducing some forward-facing, value-added solutions that will help credit unions to improve and expand. You’ll hear more about these solutions throughout the year – I hope you’re as excited for them as we are!

Ultimately, I want to wish you all a heartfelt THANK YOU for everything you do to support the Corporate, your members/communities and our movement! I know our partnership will continue to bring us all good things in the year ahead.

And with that, I wish you a happy and prosperous New Year!

Wire Limits

Your credit union’s wire limits can be a major risk exposure to financial losses. Having your wire limits set too high can expose your credit union to additional unnecessary losses in the event of a fraudulent transaction, which are on the rise. Vizo Financial strongly recommends that credit unions periodically review their wire history to confirm their wire limits with the Corporate are set to realistic levels, and the new year is a perfect time to do that.

Say your credit union has a total daily wire limit of $500,000 but has not wired more than $100,000 in a day over the past year. It would be beneficial for your institution to consider reducing your daily wire limit to lower your exposure from the potential of $400,000 in fraudulent transactions. Your credit union should also review the individual limits of each staff member with wire access.

In addition, please review who at the credit union has wire access and delete any individuals who are no longer employed at the credit union or should no longer have wire permissions.

Authorized Signers

Now is the perfect time to review your authorized signers. These are the people who are permitted to sign documents on behalf of the credit union for corporate forms and agreements, as well as account closure requests. To determine who is an authorized signer for your credit union, please review your copy of the Corporate Signature Authorization Form. If you need a copy, please contact our member services department.

If you need to make any updates to your authorized signers, we ask that you please fill out a new Signature Authority Certification Form, which can be obtained from the Forms section in Zephyr, or from our member services department. The new form will override any existing forms. Please return the completed form via email at msr@vfccu.org.

Zephyr Administrator Roles & Responsibilities

The new year is a good time to review your list of Zephyr administrators, and revisit the responsibilities and expectations associated with this role. Zephyr admins are the credit union's main person(s) who create and maintain Zephyr users for the institution. Zephyr admins have the highest level of authority within the Zephyr system. They are responsible for adding new users, updating additional users, setting/updating permissions, resetting user passwords, unlocking user accounts and reactivating/deactivating/removing inactive users. As a reminder, each credit union needs a minimum of three Zephyr admins in order to make changes to roles and permissions of Zephyr users.

Vizo Financial and MY CU Services staff are not able to assist with these requests. This is designed to allow your credit union to maintain and monitor your Zephyr users without having to go through the Corporate. Therefore, if one of your credit union's users needs assistance with their Zephyr account or login, that person will need to contact your Zephyr admin(s) directly.

Zephyr User Permissions

We recommend performing a quick review of the Zephyr user permissions you’ve put in place for your credit union team members. If there is the potential that staff will need to perform Zephyr-related functions that they don’t normally handle due to an emergency situation, it would be advisable to grant those staff members the permissions and access they’ll need in advance.

Please keep in mind that permission changes require dual authentication from two Zephyr administrators. If connectivity becomes a problem and two are not available, you may be unable to provide new permissions to your users when needed.

For questions about any of these items, please contact us at (800) 622-7494.

Why is it important to keep your profile up to date?

There are many reasons to revisit your profile periodically. Here are just a few:

Your name has changed
Your email address has changed
You received a promotion or a new title
You want to add new subscription lists for news and information

How can you manage your profile?

If you already have a profile, click the Manage Preferences link at the bottom of any Vizo Financial or MY CU Services email. It will redirect you to your profile, where your contact information will be pre-populated and current notification lists will be checked. Update information and select any additional lists as necessary.

If you don’t have an existing notification profile, visit our website and scroll to the bottom of the screen. Click the Subscribe button, which will take you to our notification system. From here, enter your contact information and select any notification lists that you would like to subscribe to.

What notification lists are available?

Daily Rate Indications
Market Commentary
Weekly Bulletin
Corporate Connection E-Magazine
Events and Education
Service Announcements (choose by service)
And more

Please note, some lists require internal approval. If you meet the requirements to join a particular notification list, we will make every effort to ensure you are added to the list promptly.

What else do I need to do to receive notifications from the Corporate?

We encourage you to add the following IP addresses to your safe sender list to ensure that you receive communications from our notification system, and so they don't get lost in spam or get rejected from your email application:

141.193.184.64/26
141.193.185.128/25
18.208.124.128/25
141.193.184.128/25
141.193.185.64/26
158.247.16.0/20
3.93.157.0/24
216.139.64.0/19
108.179.144.0/20
54.174.60.0/23
143.244.80.0/20
54.174.59.0/24
54.174.63.0/24
3.210.190.0/24
141.193.184.32/27
54.174.52.0/24
139.180.17.0/24
141.193.185.32/27
54.174.57.0/24
198.207.147.224/27
204.239.0.224/27
216.230.14.224/27

We look forward to communicating with you in 2026!

Holiday Closings

Vizo Financial will be closed in observance of the following upcoming holidays:

Monthly Financials Now Available

These are just a few of the biggest challenges credit unions said they are facing in our recent member survey. Needless to say, credit unions are a risky business and face hurdles from all angles – cybercriminals, regulatory bodies, bad actors, etc.

But Vizo Financial is here to help you minimize those risks and maximize your security position with our many risk management solutions, powered by industry-leading partners, including DefenseStorm, KnowBe4, Fortra, Ncontracts and WolfPac, to name a few.

And the best part is, these services aren’t out of reach, no matter your asset size. In fact, they’re different from what you’ll find elsewhere in the marketplace, because with Vizo Financial, you’ll get solutions that feature these benefits:

Knowledgeable Support – Get help from experienced experts both here at the Corporate and thought our partners
A Shared Experience – We at Vizo Financial use the same services we recommend to you
A Trusted Partner – We’re here to serve your risk management needs when it matters most
Budget-Friendly Options – We’ve got your budget concerns in mind, which is why we offer discounted services
Worry-Free Billing – Our simplified billing process means one less thing on your plate

Want to know more? Click play below!

In our member survey last year, we asked about top priorities for credit unions in 2026 and of the 213 respondents who answered this question, 162 stated that member growth made the list. That’s a whopping 76 percent!

Luckily, Vizo Financial is already prepared to help your credit union put that priority on the fast track! In 2025, we partnered with Vertice AI to offer a member growth solution that reduces churn, leverages data-driven insights through advanced analytics AND is brought to you by trusted, dependable credit union cooperatives.

How does the solution deliver? With results like these:

11 times higher indirect conversion rates
632 percent higher total deposits from indirect conversions
41 percent higher new account initial deposits

If those numbers have you intrigued, then we have something even better…a real story of a real credit union that experienced real growth with Vertice AI. Read our case study with Duke University FCU to see how this solution worked for them, and maybe even give you a glimpse of how it could work for you too.

Dozens of our credit unions have already committed to growing their membership through the Vertice AI solution in 2026. Will you be the next?

Learn More: https://vfccu.org/solutions_mobile/vertice-ai.html
Contact Us: accountmanagers@vfccu.org

Check out the schedule:

InfoSec Networking Group Meetings
March 12, 2026 – Virtual Event
April 22, 2026 – In-Person Event
August 18, 2026 – Virtual Event
November 17, 2026 – Virtual Event

Financial Strategies Workshops
March 19, 2026 – Hershey, Pa.
March 26, 2026 – Richmond, Va.
April 9, 2026 – Greenville, S.C.
April 14, 2026 – Pittsburgh, Pa.

Risk Management Conference
April 22-24, 2026 – The Hotel Hershey, Hershey, Pa.

Annual Meeting
June 17, 2026 – Virtual Event

Small Credit Union Workshop
August 11-12, 2026 – Virtual Event

Financial Conference
September 16-18, 2026 – The Omni Grove Park Inn, Asheville, N.C.

Payments Conference
November 2-3, 2026 – Virtual Event

Don’t forget – you can get all the event details on our Upcoming Events page. We also encourage you to check back throughout the year, as we may add events to this list. It might even be worth bookmarking the page for easy access!

Plugged In

Latest Blog Posts, Podcast Episodes & Webinar Recordings:

Thank You New Users

Thank you to the credit unions and organizations that recently began using the following services...

Here’s a quick recap of all the wonderful community efforts the Corporate has been a part of in 2025 – a tradition we’re excited to continue in 2026!

Carolinas Cup for Victory Junction in Randleman, N.C.
Children’s Miracle Network (CMN) Hospitals Telethon for Penn State Health Children’s Hospital in Hershey, Pa.
CMN Hospitals Radiothon for Duke Children’s Hospital in Durham, N.C.
Run to Victory 5k and Fun Run for Victory Junction in Randleman, N.C.
Egg Stuffing for CMN Hospitals in Hershey, Pa.
Walk for Children’s event for Children’s Hospital of Pittsburgh of UPMC
Meals Around the Corporate to support local food banks
Daffodil Days for the American Cancer Society
Credit Union Development Educator (CUDE) Day of Service
Credit union member home build with Habitat for Humanity in Greenville, S.C.
Community pick-up day with Love the Hill in Harrisburg, Pa.
Carolinas Clay Classic for ROAR Outdoor
Sweet Case decoration for Foster Love
Exploring Why Workshop and Enhanced Financial Counseling Certification Program in partnership with the CrossState Credit Union Foundation
Financial reality fairs held by member credit unions of Vizo Financial
Vizo Financial’s Day of Service with volunteer activities at nine local charities
Vizo Financial’s Empowerment Grants program to support credit unions through state credit union foundations
Donation to CUAid to assist in Texas flood relief efforts
Toys for Tots collection through the United States Marine Corps

Keep up with our community efforts – visit our Community Involvement page to see what we’re up to throughout the year ahead!

Navigating the 2026 ACH Rule Changes and Updates

Andi Crockett, director of payments product managers, Vizo Financial/MY CU Services
January 22 at 10:00 a.m. ET

The ACH landscape continues to evolve, and compliance is more critical than ever. Stay ahead of the curve with a comprehensive review of the 2026 Nacha rules and regulatory updates. This 60-minute webinar will help your credit union understand the latest ACH compliance changes and updates, focusing on operational impact and risk controls. Walk away with practical guidance, implementation tips and resources to prepare your institution for a seamless transition.

Mobile Deposit Capture: Risk Management and Compliance

Jessica Lelii, director of education, PaymentsFirst
January 28 at 10:00 a.m. ET

Mobile deposit capture (MDC) has become a ubiquitous feature of modern banking, offering convenience and efficiency to both financial institutions and their members. However, with this growth comes a heightened need for robust risk management and compliance measures. Join us for this informative webinar as we delve into the key risks associated with MDC, including fraud, operational challenges and regulatory compliance.

Quarterly Economic Insights Webinar

Scott Wood, SVP/chief investment officer, Vizo Financial
February 4 at 2:00 p.m. ET

We can all agree that the economy and the markets are unpredictable. So, what can we do? We can use the insights we have through trends, expert opinions, past performance in similar situations and so on to make educated predictions. That’s what these quarterly sessions are all about – sharing our insights to help your credit union achieve financial fortitude, regardless of what may actually happen in the future.

Somehow, I Manage to Control My Risk – Instant Payments

Jessica Lelii, director of education, PaymentsFirst
February 26 at 10:00 a.m. ET

In a rapidly evolving payments ecosystem, a single misstep can lead to significant financial loss and reputational damage. This webinar is designed to equip risk professionals, compliance officers and operations teams with the knowledge and strategies needed to effectively control the unique risks associated with instant payments.

Unlocking Funds – Regulation CC: Check, ACH, Wire and Cash

Kari Kronberg, director of education, PaymentsFirst
March 11 at 2:00 p.m. ET

It's hard to wait! Let’s take a deep, deep dive into Regulation CC, including availability of funds. This comprehensive webinar will equip you with the knowledge and strategies to comprehend the fundamentals of Regulation CC, including key provisions and requirements that govern the availability of funds for various payment types; understand disclosure requirements; and identify exceptions and special rules that may affect fund availability, including exceptions and special rules.

InfoSec Networking Group

March 12, 2026 at 2:00 p.m. ET - Virtual Event

One of the greatest threats to credit unions today lies in information security. Fortunately, it’s not a unique phenomenon – it’s a challenge that every institution faces. With the InfoSec Networking Group, hosted by Vizo Financial, we’re inviting your credit union to be part of a dedicated space to connect, collaborate and share best practices around cybersecurity and risk management.

The group will convene for this one-hour virtual meeting to exchange ideas and practical solutions we can all use to fortify our information security positions. Join the InfoSec Networking Group to build your network, strengthen your knowledge and help shape the future of credit union security!

Session Topic: Incident response panel discussion

Financial Strategies Workshops

March 19, 2026 - Hershey, Pa.
March 26, 2026 - Richmond, Va.
April 9, 2026 - Greenville, S.C.
April 14, 2026 - Pittsburgh, Pa.

We may be living in an era defined by a tumultuous financial landscape, but it doesn’t need to define your credit union’s future. In a time when constant market swings, shifting monetary policy and an economy under pressure infiltrate our day-to-day operations, strategic finesse is key to every credit union’s financial success. Our 2026 Financial Strategies Workshops are designed to arm financial leaders and decision-makers with the tools and understanding to navigate the uncertainties with confidence.

Join any of these one-day events to enhance your knowledge through expert insights, engaging discussions and practical strategy. With sessions on the evolving economy, ALM modeling in a changing rate environment, historical lessons to guide your future investments and loan pricing that encourages growth, you’ll gain useful information to shape your financial strategy in 2026.

Learn, network and empower your team to make informed strategic decisions that position your credit union for sustainable financial performance, no matter what lies ahead.

InfoSec Networking Group

April 22, 2026 at 1:00 p.m. ET -The Hotel Hershey, Hershey, Pa.

The group will convene in person at The Hotel Hershey in Hershey Pa. for a three hour in-person event to exchange ideas and practical solutions we can all use to fortify our information security positions. Join the InfoSec Networking Group to build your network, strengthen your knowledge and help shape the future of credit union security!

Risk Management Conference

April 22-24, 2026 - The Hotel Hershey, Hershey, Pa.

Risk is everywhere. From your processes to your policies, it’s an inevitable component of credit union operations. But the complexities and the consequences are only growing. That’s why it’s best to stay aware, stay ahead and stay knowledgeable.

Do just that at Vizo Financial’s Risk Management Conference on April 22-24, 2026, in Hershey, Pa. Join industry experts, thought leaders and your credit union peers for an educational experience focused on today’s most critical risks – cybersecurity, compliance, regulations, fraud and more. Be prepared for three days of deep-dive sessions, interactive exercises, networking opportunities, CPE credits, an opening reception, spa and golf activities and, of course, chocolate!

Attend the 2026 Risk Management Conference to invest in your credit union’s resilience, so you can be ready for tomorrow’s risks today.

Vizo Financial is heading to destinations near and far – from conferences and tradeshows to chapter meetings and speaking engagements – to make connections and share our expertise in 2026.

Keep up with every place we’ve been and every place we’ll be on our On The Road page. You can also find snapshots from our travels on social media by following our hashtag, #VizoFinancialOnTheRoad.

Check back often to see if we’re coming to an event near you. We can’t wait to see you…on the road!

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Past Issues:

Thank You New Users

Thank you to the credit unions and organizations that recently began using the following services:

ERM – WolfPAC

Central Susquehanna Community FCU

Fortra

CS CU	NC
Island FCU	NY
Omega FCU	PA

KnowBe4

New Cumberland FCU

Securities Safekeeping

Elliott Community FCU

SimpliCD Issuance

Copper & Glass FCU

Vertice AI

Mountain Laurel FCU	PA
New Cumberland FCU	PA
Norwin Teachers FCU	PA
Peake FCU	MD
United Community FCU	PA

Zephyr

PenAir CU

Thank you to the credit unions and organizations that recently began using MY CU Services:

ACH Originations

PALCO FCU

ACH Receipt & Returns

Emergency Responders CU

ATM Capture

Corry FCU

Branch Capture

Corry FCU	PA
Grove City Area FCU	PA
SRU FCU	PA
Tri Boro FCU	PA

Corporate Share Drafts

Ardent FCU

Deposit Returns

1st Cooperative FCU	SC
1st Ed CU	PA
3Hill CU	PA
ACT 1st FCU	MD
Alcoa Pittsburgh FCU	PA
American Pride CU	PA
American Spirit FCU	DE
AmeriChoice FCU	PA
BHCU	PA
Blair County FCU	PA
Brookland FCU	SC
BVA FCU	PA
CACL FCU	PA
Carolina Cooperative CU	NC
Cecil County School Employees FCU	MD
Champion CU	NC
CityMark FCU	PA
Clearview FCU	PA
CommonRoots FCU	PA
Corry FCU	PA
Delaware State Police FCU	DE
Destinations CU	MD
Discovery FCU	PA
Dixies FCU	SC
Everence FCU	PA
Fayette Federal Employees FCU	PA
Fedmont FCU	AL
First Capital FCU	PA
Fort Billings FCU	NJ
Franklin-Johnstown FCU	PA
Freedom First FCU	VA
Georgetown University Alumni & Student FCU	DC
Greater Pittsburgh FCU	PA
Grove City Area FCU	PA
Heritage Valley FCU	PA
Hidden River CU	PA
Highway FCU	PA
Inspire FCU	PA
Jersey Shore FCU	NJ
Kinzua FCU	PA
Lancaster Red Rose CU	PA
Lee FCU	DC
Liberty Savings FCU	NJ
Lion’s Share FCU	NC
L’Oreal USA FCU	NJ
Marine FCU	NC
Members First of Maryland FCU	MD
Mills42 FCU	MA
Mountain CU	NC
Multi-Schools FCU	PA
New Directions Community CU	CO
Norfolk Fire Department FCU	VA
Northwest Adventist FCU	OR
Northwest Municipal FCU	IL
Norwin Teachers FCU	PA
P&G Mehoopany Employees FCU	PA
Penn State FCU	PA
Pheple FCU	PA
Prince George’s Community FCU	MD
Priority Plus FCU	DE
Provident FCU	DE
Public Service Hudson Co. Emp. FCU	NJ
REV FCU	SC
Richmond Heritage FCU	VA
Roanoke Valley FCU	VA
Rochester & Monroe Co. Emp. FCU	NY
RTP FCU	NC
SC National Guard FCU	SC
Self Help CU	NC
Sharonview FCU	FL
Southwest Communities FCU	PA
SPC CU	ND
Stepping Stones Community FCU	DE
Taupa Lithuanian FCU	MA
Team & Wheel FCU	NC
The Wright CU	GA
Transit Employees FCU	CA
Tri Boro FCU	PA
Tri County Area FCU	PA
University of Virginia Community CU	VA
Upper Darby Belltelco FCU	PA
USSCO Johnstown FCU	PA
USX FCU	PA
ValleyStar CU	VA
Vantage Trust FCU	PA
VASCO FCU	PA
Wabellco FCU	PA
Wymar FCU	LA
Your Choice FCU	PA

Foreign Check Services

Eastern Panhandle FCU

Fraud Detection Services

Carolina FCU	NC
Destinations CU	MD
Freedom First FCU	VA
Heritage Valley FCU	PA
Mid Carolina CU	SC

Homebanking Images

Formation FCU

Image File Creation – Capture Services

Carolinas Telco FCU	NC
CSE FCU	LA
Greater Pittsburgh Police FCU	PA
Mid Carolina CU	SC
Mountain CU	NC
One Community FCU	WV

Image File Creation – Share Drafts

AmeriChoice FCU	PA
Carolinas Telco FCU	NC
Greater Pittsburgh Police FCU	PA

Instant Payments FedNow Service – Receive

Ardent FCU

Instant Payments FedNow Service – Settlement

Ardent FCU

Mobile Capture

Altoona Area Employees FCU	PA
Corry FCU	PA
Grove City Area FCU	PA
Latitude32 CU	SC
Tri Boro FCU	PA
Western PA FCU	PA
Wymar FCU	LA

On-Us Imageclear

People First FCU

Positive Pay Money Orders

Greater Pittsburgh Police FCU

Positive Pay Official Checks

New Cumberland FCU	PA
South Carolina Methodist Conference CU	SC
Ukrainian Self Reliance of Western PA FCU	PA
Wyoming Valley Educational Emp. FCU	PA

Teller Capture

First Capital FCU	PA
Formation FCU	LA

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Corporate Connection E-Magazine

Welcome to 2026!

It’s Time to Refresh…Check Out These Annual Reminders!