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!

That’s exactly what we’ve seen this month as we celebrated International Credit Union (ICU) Day on October 16, and it’s what we see as CU Kind celebrations continue in our credit union communities!

As we look over the 100+ years of our history, and over the past few weeks, our philosophy of pooling resources for the greater good – people helping people – has never wavered. In fact, it might be more apparent than ever. From the photos, stories and celebrations we’ve seen, it’s still very much the cornerstone of what we do today.

This year’s ICU Day theme of “Cooperation for a Prosperous World” certainly spoke to that, as does the grassroots nod to concern for community with CU Kind, which will carry on through the remainder of October.

These special days share the importance of our mission and elevate our visibility. In a time when it’s hard to see the light, credit unions shine brightly by working together and helping people.

Two days, one mission…and a movement that seeks to empower us all. Thank you for celebrating with us!

With holidays and year-end tasks taking up a lot of your time these days, we wanted to make sure to share our 2026 event lineup with you well in advance. Who doesn’t like to plan ahead, right? Check out the credit union events Vizo Financial will be holding next year!

As a reminder, view event details on our Upcoming Events page, and be sure to check back often, as we may add events to this list. Pro Tip: Bookmark this page!

GAC Reception
March 3, 2026 – 2:00 – 3:30 p.m. ET
The Henley Park Hotel – Washington, D.C.

Financial Strategies Workshops
March 19, 2026 - Hershey, Pa.
March 26, 2026 - Richmond, Va.
April 9, 2026 – Greenville, S.C.
April 16, 2026 - Pittsburgh, Pa.

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

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

2026 Vizo Financial Annual Meeting
June 17, 2026 - 10:00 – 11:00 a.m. ET
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 About Tradeshows!
In addition to the many events we’ll be hosting this year, we’ll also be participating in several credit union tradeshows throughout 2026. Be sure to look us up and stop by to spend some time with us. Follow us on LinkedIn and our hashtag, #VizoFinancialOnTheRoad, to find out which shows we’ll be attending and where you can find us.

We can’t wait to see you in 2026!

New Year’s Day
Thursday, January 1

Martin Luther King, Jr. Day
Monday, January 19

Presidents' Day
Monday, February 16

Memorial Day
Monday, May 25

Juneteenth
Friday, June 19

Labor Day
Monday, September 7

Indigenous Peoples’ Day/Columbus Day
Monday, October 12

Veterans Day
Wednesday, November 11

Thanksgiving Day
Thursday, November 26

Christmas Day
Friday, December 25

Holiday Closings

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

Monthly Financials Now Available

Vizo Financial's Privacy Policy

Vizo Financial Corporate Credit Union’s official privacy policy is posted on our website for your review:

For a more streamlined and efficient experience, we’ve made changes to improve the look and navigation on our Upcoming Webinars, Webinar Recordings and Podcast pages.

Upcoming Webinars
Want to peruse our upcoming educational offerings? Find exactly what you’re looking for using the new filter options on our Upcoming Webinars page! We’ve updated this page so you can search by category of webinars – whether you’re looking for money management, payments, people development, risk management or technology – so you can locate the perfect virtual learning opportunity for you.

And just because the page looks different and can be searched more easily doesn’t mean we’ve left anything out – you’ll still get all the webinar info at a glance, including the title, date, time, speaker and CPE value (if applicable). Once you’ve found one that meets your criteria, click the “Register Now” button to go to the registration site for the full event description and to RSVP.

Webinar Recordings
With much of the same look and functionality as the Upcoming Webinars page, the Webinar Recordings page is now more user-friendly. When looking for a specific recording, filter by category to expedite your search, get speaker information and the recording date and click the “Watch Recording Now” dropdown to watch on-demand, as well as access any handouts.

Podcast Page
Like to listen to or watch our Financial Minds: Meet the Experts podcast? Now you can more easily! Each episode is displayed with the episode season/number, title and special guest. The audio version of the episode is then displayed below for one-click, easy access.

If you click on the “Listen Now” button, a dropdown will appear with links to other places where you can stream the podcast, including Apple Podcast, Spotify and YouTube. Here you’ll also find an “Episode Resources” link to view the episode description.

We invite you to check out these refreshed pages to see how we’re making improvements to our website for a better member experience. Have fun exploring!

That’s especially true now that Vizo Financial and our partners at DefenseStorm are offering DefenseStorm Essentials, our newest cyber risk management solution. Let us tell you a little more about it:

What is DefenseStorm Essentials?
DefenseStorm Essentials is a bundled solution that delivers co-managed cyber threat monitoring and regulatory compliance support, designed specifically to provide essential protections to help smaller credit unions build a robust security foundation.

It’s an ideal fit for credit unions that want to expand their ability to prevent, identify, assess and manage cyber threats; consolidate data into a single “source of truth”; improve data gathering and reporting capabilities; and reduce false positives, as well as prioritize cyber events.

Who is eligible for DefenseStorm Essentials?
Because this solution is built for smaller institutions, organizations must meet the following criteria to be eligible:

Assets under $200 million
Up to 50 employees
Up to five branches

What problems does the DefenseStorm Essentials solution solve for credit unions?
DefenseStorm Essentials provides the coverage, visibility and compliance readiness smaller institutions need, but may not have the resources for. Here’s how:

24/7/365 Monitoring: The Cyber Threat Surveillance Operations (CTS Ops) Team continuously watches over your environment, investigates anomalies and notifies you only when action is required.
One Tool for Integrated Threat Detection: Security information/event management, threat intel and endpoint telemetry come together to surface actionable threats, which means you don’t need to manage multiple tools.
Simplified Compliance & Reporting: Every alert and action is logged, mapped to regulatory controls and audit-ready. Pre-built dashboards and reports make it easy to demonstrate and export compliance.
Additional Resources & Co-Managed Support: We provide the platform, the technology and the expertise to support your limited or outsourced team.
Scalable Coverage: Designed for smaller institutions but backed by the same infrastructure trusted by larger credit unions.

We said it once and we’ll say it again – cybersecurity is essential for credit unions of all sizes. It’s time to level the playing field with DefenseStorm Essentials!

Discover DefenseStorm Essentials

This will impact both member and corporate share drafts. Prior to the conversion, we want to share details with you about what to expect and how to get your credit union ready for this change.

Here’s what you need to know:

Benefits of the New System

The goal of this conversion is three-fold: to gain efficiencies, to invest in a cooperatively-owned solution and to bring about process improvements for a more streamlined share draft processing experience. Here are some benefits of moving to the TranZact platform:

All check processing functions and image archives will be located in one place.
You can enter adjustment requests with supporting documentation directly into the portal.
There will be expanded service hours, including a 5:00 p.m. CT cutoff time for entering returns.

For certain credit unions, additional benefits include:

A single settlement entry at the end of the day, rather than multiple settlement files.
Settlement through the institution's Vizo Financial account, rather than the Fed account.
Eliminated requirement to enter totals at the end of each day.

Communications

In order to stay informed throughout the conversion process, we will be sending periodic communications to impacted credit unions. These communications will contain important information, including:

Changes to current processes
Actions you will need to take
Resources such as guides, recordings, etc. to help you navigate these changes
And more

Change to Mod Check Routine

A big change to the current share draft process will be the elimination of mod check routines. Instead of using these routines to identify incorrectly captured account numbers, new software will be employed to read the account number on the check image and compare that to the account number sent in the file's data record. If these do not match, the item will be sent to a review queue, and the account number will be updated as it appears on the check image before it is included in the posting file.

If the image is not clear, the account number will be keyed with a placeholder number, just as it is today when an item fails the mod check routine. These items will then reject when share draft posting takes place. With this new process in place, you should expect to see fewer exceptions to handle on your end after posting.

No action is required on your part to take advantage of this new process. It will be automatically implemented with the conversion to the TranZact platform.

Update Paperwork

We will be requesting updates to various paperwork, including documents to verify your authorized signers for the Corporate and the Fed, service contracts, etc. We will notify you of which documents will need to be updated through the course of our communications, and we will do our best to assist you through this process.

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...

CUAid for Texas Flooding Relief
Vizo Financial donated $10,000 to the National Credit Union Foundation’s CUAid disaster relief fund to help credit union employees and volunteers in response to the recent flooding in Texas.

CrossState Credit Union Foundation Flavors of Pittsburgh
Vizo Financial was a gold sponsor of the Flavors of Pittsburgh event to benefit the CrossState Credit Union Foundation. The fundraising event for the Foundation was hosted in conjunction with the CrossState Credit Union Association Drive Conference on September 10-12, 2025, in downtown Pittsburgh.

Empowerment Grants with CrossState Credit Union Foundation
Vizo Financial recently funded a third year of Empowerment Grants with the CrossState Credit Union Foundation to be shared with credit unions in Pennsylvania and New Jersey. Our Empowerment Grants program is designed to provide funding for credit union foundations to distribute to the institutions they serve so they can implement financial wellness initiatives that improve and celebrate their local communities.

Victory Junction’s Run to Victory Run/Walk Event
Vizo Financial was once again a Victory Lane sponsor for the Run to Victory annual 5k and Fun Run to benefit Victory Junction on September 13, 2025. The event was held in-person at Victory Junction in Randleman, N.C., as well as virtually. Victory Junction serves children dealing with serious medical conditions and chronic illnesses. Their mission is to enrich the lives of children with serious illnesses by providing life-changing camp experiences that are exciting, fun and empowering, at no cost to children or their families. This year, the event raised $105,986!

Carolinas Cup
Vizo Financial acted as a Camp Champion sponsor, sent participants from our staff and donated a silent auction item to the Carolinas Cup in Greensboro, N.C., on October 5-7, 2025. The event was hosted by TruStage and the Carolinas Credit Union Foundation to benefit Victory Junction.

Vizo Financial Day of Service
All Vizo Financial campuses participated in the Corporate’s fifth annual Day of Service, which was held on Indigenous Peoples’ Day/Columbus Day, October 13, 2025. Staff had the opportunity to volunteer with one of several organizations in their local communities. These organizations included:

American Cancer Society
Caitlin’s Smiles
Cocoa Packs
Family Room
Hospice of Central PA – Camp Dragonfly
Leg Up Farm
Love the Hill/Wildheart Ministries
Oliver Gospel Mission
Open Door Ministries

Financial Reality Fairs
Throughout the fall, Vizo Financial staff members have and will continue to participate in several financial reality fairs across Pennsylvania. These events were held by various credit unions in Pennsylvania.

Financial reality fairs are designed so that participants can identify potential career choices and starting salaries, then complete a budget sheet requiring them to live within their monthly salary while paying for basics such as housing, utilities, transportation, clothing, food and additional expenditures such as entertainment and travel.

Here’s what’s coming up:

Toys for Tots
In preparation for the season of giving, staff at each of Vizo Financial’s campuses will be collecting donations for Toys for Tots through November and December. Toys for Tots, an annual campaign held by the U.S. Marine Corps Reserve, has a mission to collect new, unwrapped toys and distribute them as Christmas gifts for underserved children.

Season of Hope Radiothon for Duke Children’s
The 31^st annual Children’s Miracle Network (CMN) Hospitals Season of Hope Radiothon to benefit Duke Children’s in North Carolina will be held on December 9-10, 2025. Vizo Financial will be a Spirit of Hope sponsor again this year. Last year, the CMN Radiothon raised $627,470.50 for Duke Children’s! Learn more about the Season of Hope Radiothon leading up to the big event, then tune into MIX 101.5 on December 9-10 to listen to heartwarming stories from the children and families that have been impacted by Duke Children's.

Mobile Deposit Capture: Risk Management and Compliance

Randall C. Traynham, director of education, PaymentsFirst
October 23 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 customers. 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.

Navigating the Suspicious Activity Report (SAR) Process: A Comprehensive Guide

Cindy Hagan, VP, compliance and fraud risk, Vizo Financial
October 28 at 10:00 a.m. ET

Learn how to recognize red flags, understand key regulatory requirements and complete Suspicious Activity Report (SAR) forms with confidence. Whether you're new to SAR filings or seeking to refine your process, this session will equip you with the essential tools to ensure compliance and mitigate risks effectively. Join us to gain valuable insights and hands-on knowledge in suspicious activity reporting!

From Data to Action: How Vertice AI Empowers Credit Unions on Corelation to Deliver Personalized Engagement at Scale

Sam Nevers, Vertice AI
October 30 at 2:00 p.m. ET

Your credit union has no shortage of data in your core platform—but transforming that data into timely, personalized member engagement has long been a challenge. Traditional member engagement tactics often rely on broad campaigns or require lengthy and resource intensive cycles to extract the data needed for personalization. But what if the data and analytics needed for personalization and growth were presented to your credit union easily, consistently and repeatedly—without ad-hoc requests for Corelation extracts?

You’ll hear from a peer credit union who has leveraged the Corelation data extraction, purpose built for Vertice AI, to transform their core data into insights that have helped them better know, grow and measure their membership in weeks. Additionally, you’ll hear how your relationship with Vizo Financial gains you access to exclusive pricing and terms for adopting the Vertice AI Solution.

Connect with Andi

Andi Crockett, director of payments product managers, Vizo Financial/MY CU Services
November 13 at 1:00 p.m. ET

Have questions about ACH return codes, ISO 20022, FedNow and more? Connect with Andi during these one-hour sessions! This time is dedicated for anyone at your credit union to drop in and ask questions, discuss concerns or get feedback on ACH, domestic and international wires, foreign check collection and instant payments. These meetings, which do not qualify for CPE credits, will be held via Zoom. Registration is required at least 30 minutes prior to each meeting.

Building a Robust ERM Program: Strategies for Effective Implementation

Belinda Mumma, enterprise risk management director, Vizo Financial
November 13 at 2:00 p.m. ET

In this educational webinar, we’ll guide you through the essential steps to implement a successful Enterprise Risk Management (ERM) program that safeguards your credit union from potential risks and drives strategic decision-making. Join us to develop a clear, actionable plan for integrating ERM into your business operations, ensuring better preparedness and resilience in a rapidly changing landscape.

Demystifying Regulation E: A Focus on Error Resolution

Allen Young, VP, education, PaymentsFirst
November 18 at 2:00 p.m. ET

Regulation E protects consumers in Electronic Fund Transfers (EFTs). The error resolution process is one of the most crucial aspects of Regulation E compliance. During this webinar, we will discuss defining an error, consumer rights and responsibilities, the dispute resolution process and best practices.

Tabletop Exercise – Threats to Your Credit Union

Mark Clarke, business continuity administrator, Vizo Financial
November 20 at 2:00 p.m. ET

A tabletop exercise is a walk-through of emergency procedures with your credit union’s key personnel about what could happen in a real-life incident. This live tabletop will test your credit union’s plans with a “mock” real-world example. How will your team handle the situation? Are you prepared?

The Currency Transaction Report (CTR) Process: A Guide to Regulatory Requirements

Tarah Sweigart, compliance and fraud administrator, Vizo Financial
December 2 at 10:00 a.m. ET

The Currency Transaction Report (CTR) form contains over 50 fields and can feel like a daunting task for many credit unions team members. However, CTRs are an important function of the financial industry and a requirement under BSA regulation. This session will provide clear guidance on how to accurately complete CTR forms, with practical, real-world examples to help you navigate the reporting requirements with confidence. Whether you're new to CTRs or looking to refine your knowledge, this session will ensure you're well-prepared to comply with regulatory standards and minimize errors in the reporting process.

Quarterly Economic Insights

Scott Wood, SVP/chief investment officer, Vizo Financial
December 9 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.

Each quarter, Scott Wood, Vizo Financial’s SVP/chief investment officer, along with other Vizo Financial experts, will examine the financial landscape and discuss topics at each session based on the current environment.

Get Adjusted: A Guide to Check Adjustments

Randall C. Traynham, director of education, PaymentsFirst
December 11 at 2:00 p.m. ET

With such a small return window, check adjustments are often the only way to recover funds! Learn the proper steps and timeframes for the timely and accurate processing of check adjustments.

Putting Credit Union Risks & Security in the Hot Seat

Risk Management Team, Vizo Financial
December 16 at 2:00 p.m. ET

Just when you think you’ve got security and risk under control, a new threat emerges. That’s inevitable, but credit unions are better off being proactive. And we have the experts to help you do just that! In this panel discussion, we’re putting the Vizo Financial security team, which includes John Cuneo, SVP/chief risk officer; Mike Bechtel, information security engineer; and Keeley Hartman, information security analyst, in the hot seat to answer pressing questions about credit union risk and security.

Payments Conference

November 5-6, 2025 - Virtual Event

Join us for Vizo Financial’s 2025 virtual Payments Conference, an immersive online event on November 5-6 that will unite credit union professionals and payment industry leaders for an in-depth exploration of the evolving payments landscape.

This year’s agenda is packed with essential sessions focused on the most critical payments issues and advancements facing today’s payments world. Learn how to conduct comprehensive risk evaluations to ensure compliance and operational security. Explore the latest tools to combat emerging threats. Stay ahead of shifting regulatory requirements and industry standards. This virtual conference will offer your credit union actionable insights to ensure your institution is ready for the future of payments.

Beyond the sessions, this premier payments event will also include:

Continuing education credits
Virtual networking opportunities
An all-in-one hub to streamline the online event experience
Sessions available on-demand

With the convenience of a virtual format and top-notch payments education from experts in the industry, this is one event you won’t want to miss!

InfoSec Networking Group

December 2, 2025 at 2:00 p.m. ET - Virtual Meeting

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!

From tradeshows galore to educational events (and a whole lot in between), Vizo Financial was busy in the third quarter heading to destinations near and far to make connections and share our expertise.

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:

BSA Training

Greater Kinston CU

Domestic Wires

Peninsula General Hospital & Medical Center Emp FCU	MD
VAIIL LLC	NC

Securities Safekeeping

Henrico FCU	VA
Park View FCU	VA

SimpliCD

Nymeo FCU

Vertice AI

Corry FCU	PA
HopeSouth FCU	SC
PA Central FCU	PA
Steel Strong Community FCU	PA
West-Aircomm FCU	PA

Zephyr

Fedmont FCU	AL
Mills42 FCU	MA
MyCom FCU	MA
Peninsula General Hospital & Medical
Center Emp FCU	MD
Taupa Lithuanian FCU	MA
VAIIL LLC	NC

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

ACH Originations

Options CU

Branch Capture

CS CU	NC
Lanco FCU	PA
Northampton Area School Dist. Emp. FCU	PA
Options CU	CO
Romney FCU	WV
Santee Cooper CU	SC
Steel Strong Community FCU	PA
The ONE FCU	PA
Ukrainian Selfreliance of Western PA FCU	PA
University of Pennsylvania Students FCU	PA

Business Capture

The ONE FCU

Coin & Currency Services

Emergency Responders CU

Core Processing

Essex County Teachers FCU

Deposit Returns

AB FCU	PA
Affiliated Trades CU	PA
American Partners FCU	NC
Blackhawk FCU	PA
Call FCU	VA
Carolina Trust FCU	SC
Carolinas Telco FCU	NC
Central Susquehanna Community FCU	PA
Coastal FCU	NC
Crayola LLC Emp. FCU	PA
CS CU	NC
DC Teachers FCU	DC
Excel FCU	GA
Finanta FCU	PA
First NRV FCU	VA
Franklin Regional Schools FCU	PA
Frick Financial FCU	PA
Georgetown Kraft CU	SC
Glatco CU	PA
Greenville FCU	SC
HopeSouth FCU	SC
Horizon FCU	PA
Kemba Roanoke FCU	VA
Lakehurst Naval FCU	NJ
Lanco FCU	PA
Lebanon FCU	PA
Long Reach FCU	WV
Mercer County Community FCU	PA
Mountain Laurel FCU	PA
MyCom FCU	MA
Newport News Municipal Emp. CU	VA
North East Welch FCU	PA
Northampton Area School Dist. Emp. FCU	PA
O&R Utilities Employees FCU	NY
OAS Staff FCU	DC
Omega Psi Phi Fraternity FCU	GA
Options CU	CO
Pagoda FCU	PA
Penlanco FCU	PA
Priority First FCU	PA
Romney FCU	WV
Southern Middlesex Co. Teachers FCU	NJ
Stanwood Area FCU	PA
Steel Strong Community FCU	PA
Sunbelt FCU	MS
Taupa Lithuanian FCU	MA
TCP CU	NC
The ONE FCU	PA
Titan FCU	PA
TruEnergy FCU	VA
Ukrainian Selfreliance of Western PA FCU	PA
University of Pennsylvania Students FCU	PA
USSCO Johnstown FCU	PA
VA Pittsburgh Employees FCU	PA
Westmoreland Water FCU	PA

Foreign Check Services

Carolina FCU

Fraud Detection Services

Century Heritage FCU

Homebanking Images

Options CU	CO
Rochester & Monroe Co. Emp. FCU	NY
Western PA FCU	PA

Image File Creation – Capture Services

Call FCU	VA
Coastal FCU	NC
Greenville FCU	SC

Image File Creation – Share Drafts

Carolina Foothills FCU

International Wires

Utilities Employees CU

Instant Payments Profile Management

First Capital FCU

Instant Payments FedNow Service – Receive

Northwest Municipal FCU	IL
Park View FCU	VA

Instant Payments FedNow Service – Send

Northwest Municipal FCU

Instant Payments FedNow Service – Settlement

First Capital FCU	PA
Northwest Municipal FCU	IL

Instant Payments RTP Service – Settlement

First Capital FCU

ITM Capture

SC State CU

Member Share Drafts

Options CU	CO
Western PA FCU	PA

Merchant Capture

Carolina Foothills FCU	SC
CSE FCU	LA
Greenville FCU	SC

Mobile Capture

Blackhawk FCU	PA
Lanco FCU	PA
Lehigh County Emp. FCU	PA
Mountain Heritage FCU	WV
Options CU	CO
Penlanco FCU	PA
Romney FCU	WV
Steel Strong Community FCU	PA
The ONE FCU	PA
University of Pennsylvania Students FCU	PA

Positive Pay Official Checks

Earning Tree FCU

Teller Capture

Georgetown Kraft CU

Back to Resources

Corporate Connection E-Magazine

Two Days, One Mission: A Recap of ICU Day & CU Kind 2025

2026 Events: Check Out the Lineup!