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Questions & Answers
Indian River Federal Credit Union conversion to MIDFLORIDA Credit Union
General Questions
About Your Account
General Questions
When will the merger take effect?
Indian River became a division of MIDFLORIDA on September 1, 2012. However, the actual conversion of account records will not take place until November 30, 2012. Until then, you will need to continue to use the Indian River offices for products and services. Beginning December 3, 2012, you will be able to use any MIDFLORIDA location.
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When will I be able to use the MIDFLORIDA branches?
Beginning December 3, 2012, you will have full access to MIDFLORIDA’s branch network throughout Central Florida.
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About Your Account
Will my member number (account number) remain the same?
Your member number will not change, however, we will need to add a prefix to your existing Indian River account number, but your base account number will remain the same. To get your prefix, just add 6,000,000 to your existing account number. For example:
| IRFCU Account No. | 123456 |
| Add Prefix | 6000000 |
| Your MIDFLORIDA account no. | 6123456 |
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Will my account remain the same?
All IRFCU accounts will be transitioned to a similar MIDFLORIDA account type. In most cases, MIDFLORIDA offers a similar account type to those offered by Indian River so transitioning over to MIDFLORIDA should result in a similar account with the same or enhanced account benefits. You will receive specific information about your accounts in mid-November.
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Will I need to get new checks?
You will be provided an opportunity to order a free box of MIDFLORIDA checks; however, you may continue to use your existing Indian River check stock now and after conversion.
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Will I be able to continue to use my Indian River debit card?
Yes. Your Indian River debit card will continue to function now and after conversion.
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Will I be able to continue to use my Indian River credit card?
Yes. Your Indian River credit card will continue to function now and after conversion.
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Will my payment amount and due date for my credit card remain the same?
Yes. Your Indian River credit card account will transfer over at the same rate, fee structure and payment date.
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Does MIDFLORIDA offer telephone banking?
Yes. MIDFLORIDA’s telephone banking will be available following account conversion. More information on this service will be provided prior to conversion.
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Will I need to notify the companies who use ACH – Automatic Clearing House – to make deposits, such as paychecks, Social Security checks, etc. or withdrawals, such as insurance drafts, car payments, etc. on my accounts to use a new account number?
No. We will programmatically handle this transition to ensure your deposits and payments continue to post without interruption.
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Will my certificates of deposit and loan rates remain the same?
Yes. These products will transfer to MIDFLORIDA with the same rates and terms.
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Will the existing Indian River staff remain employed with MIDFLORIDA?
Yes. All Indian River employees will be offered a position and will maintain their tenure and benefits. However, for training and potentially for their new position, some employees may be deployed to other locations.
Additionally, Indian River staff will have the opportunity to bid for transfers within MIDFLORIDA’s corporate area and branch network. So, there is the potential for employees to change locations.
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Got a question?
Contact the Help Desk toll free at 1(877) 727-1ASK (1275) or by email at helpdesk@midflorida.com.
Help Desk Hours
| Monday – Friday | 7:00 a.m. – 7:00 p.m. |
| Saturday | 8:30 a.m. – 1:00 p.m. |
Need help in Spanish?
Contact our Spanish Language Desk
| Monday – Friday | 8:30 a.m. – 5:00 p.m. |
| Saturday | 8:30 a.m. – 1:00 p.m. |
Información en Español
(863) 904-4999
Llamada Gratis (877) 834-6376
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