Credit Union Migrates Core with Zero ATM Disruption

How a University Credit Union Navigated a Core Processor Change Without Disrupting 9,000+ Monthly ATM Deposits

When a financial institution undergoes a core processor migration, the risks are real: downtime, failed connections, member frustration, and the potential loss of trust. For one university credit union, those stakes were especially high. With more than 9,000 ATM deposits processed each month across 20 locations, even a brief outage could have disrupted thousands of members in the university community. 

Rather than take that risk, the credit union turned to CheckAlt, its long-time partner, to help manage the transition and protect its members.

challenge

Stability During Change

In 2023, the university credit union faced three major hurdles: 

• Core Processor Migration: Transitioning to a new core introduced risk for downtime and member disruption.
• Third-Party Complexity: Multiple vendor connections added technical challenges and potential points of failure.
• High Transaction Volume: Over 9,000 ATM deposits each month needed to be processed quickly and accurately. 

The stakes were high. Any outage or delay could have shaken confidence and undermined years of trusted service across its base of thousands of members. 

solution

CheckAlt’s ATM Capture

The credit union leveraged CheckAlt’s ATM Capture solution, which combines advanced automation with dedicated, hands-on support to ensure continuity during even the most complex transitions. 

Key elements included: 

• Automated Check Processing: Real-time image capture for each deposit streamlined back-office processes.   

• Custom File Setup & Optimization: Tailored integration ensured seamless compatibility with the new core system. 

• Guided Reinstallation and Troubleshooting: Every ATM was supported through the cutover with hands-on technical oversight.
• Proactive Communication: Real-time updates kept the credit union informed before, during, and after the transition.
• Dedicated Live Support: Knowledgeable staff were on call immediately—no waiting, no escalations. 

With automation driving efficiency and a dedicated team minimizing risk, the credit union gained confidence that its ATM operations would remain steady throughout the migration.

results

Zero Disruption, Stronger Trust

The outcome speaks volumes: 

• Uninterrupted Service: 9,000+ monthly ATM deposits processed without disruption.
• Member Confidence Preserved: No downtime meant members experienced a seamless transition.
• Operational Stability: Third-party connection issues were mitigated without impact to service.
• Future-Ready Partnership: CheckAlt strengthened its relationship with the credit union, positioning its ATM operations for long-term stability and growth. 

Key Takeaways for Financial Institutions

This case study highlights a critical truth: technology transitions don’t have to mean disruption. With the right partner, even complex core processor changes can be navigated smoothly, protecting both operations and member trust. 

CheckAlt’s ATM Capture solution demonstrates how financial institutions can combine automation, real-time monitoring, and responsive support to keep deposits flowing—no matter the challenge. 

Ready to Strengthen Your ATM Operations? 

Learn more about CheckAlt’s ATM Capture solution and how we can help your institution maintain uptime, reduce risk, and deliver better member experiences.