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Mobile App & Online Banking Upgrades

We understand that everyone has a busy lifestyle, and your credit union needs to be with you wherever you are. Whether you are on your phone, your computer, or a tablet, you deserve to receive the same convenient, personalized service you receive when you walk into a CTCU branch. We want you to take CTCU on the go, in your pocket, and across the world!

We are happy to announce that we have upgraded our mobile app and Online Banking! Whether you deposit checks through your mobile app, pay your bills through our online bill-pay, or occasionally log in to check your balance, we think you are going to love our upgrades. See below for some upgraded features and frequently asked questions.

Upgrades Are Here!

What: Enhanced Mobile App & Online Banking

What to expect: Seamless transition and convenient experiences as you navigate to and from your Mobile App to our Online Banking, eStatements and AI-Powered voice banking. You will have all the functionality, and more, on Mobile and Desktop as you currently have in a sleek, new, interactive design with added features, applying for loans, and more convenience.

Mobile App FAQ

Q - Will I have to download a new mobile app?
A - Android Users:

  • You will need to re-download your app on January 29th after 8 am.
  • You will first need to uninstall your current app.
  • Download the new app here: Google Play Store

IOS Users:

  • You should not need to do anything
  • If your phone or tablet is set to automatically update your apps, it should update like any other app.
  • If you are having any issues, you may want to check the App Store and search CTCU OnTheGo to see if there is an update available.

Q - Will I have to reset all my bill pay accounts?
A -
Scheduled and recurring Bill Payments should transfer to the new system. As part of the system upgrade, one-time Bill Payment options will need to be re-established.

Q - What happens if I don’t login within the first 30 days after the upgrade?
A -
If you haven’t signed in by the end of February, you will need to re-enroll through your mobile app or online.

Q - Why are you upgrading?
A -
Our new system is easier to use, and we will be able to be more consistent between online banking and our mobile app. We feel like this upgrade will make it easier to access the same accounts in the same format at a desktop, laptop, phone or tablet.

Q - Will the upgrade impact my direct deposit?
A -
No. Any direct deposits, payroll deductions, social security, or ACH deposits will continue; they’ll convert to the new system.

Q - Will the upgrade effect eStatements?
A -
No. Any direct deposits, payroll deductions, social security, or ACH deposits will continue; they’ll convert to the new system.

Q - Will account alerts that I have established transfer into the new system?
A -
No, account alerts will need to be set back up in the new system. You can elect to be notified by phone or email for balances alerts or transaction alerts.

Joy is Here!

What is Joy? Joy is an interactive voice response system that you can interact with when you call our number.

Below are some of the most commonly asked questions and answers about Joy:


Q - What can Joy do?
A -
Here are some of the common tasks carried out by Joy:

  • check balances
  • search for recent transactions by withdrawal or deposit
  • transfer between internal accounts
  • schedule transfers between internal accounts
  • tell routing number
  • reset password
  • search for credit union locations

Q - How do I communicate with Joy?
A -
Use natural language.

Q - Is there any specific commands I need to follow to make Joy understand me?
A -
No. Talk to her like she is a human.

Q - How do I enroll?
A -
Joy will ask you to verify your account number and the last 4 digits of your Social Security Number. After it is verified, Joy will ask you to set up a PIN.

Q - Will I be able to use voice banking right away after enrollment?
A -

Q - What if Joy cannot answer my questions?
A -
Joy will re-direct you to a credit union representative.

Q - Can Joy tell me balances of all my accounts?
A -
Yes, just ask her for all accounts.

Q - If Joy sets up a scheduled transfer for me, will I be able to see it online or on mobile banking?
A -

Q - What are the business hours of Joy?
A -
Joy works 24 hours per day, 7 days per week.

Q - What if I want to talk to a human?
A -
It's easy. Simply tell Joy, "I need to speak to a human," or "Member Services," or "Operator."

What are some examples of how to interact with Joy?

Available Balances:

  • How much money do I have in my checking account?
  • What are the balances of my savings and checking accounts?
  • What are my balances?
  • What are my available balances?
  • How much can I spend?

Current Balances:

  • What is the current balance of my savings account?
  • What are my current balances?
  • Current balances

Withdrawal Transactions:

  • What are my recent withdrawal transactions?
  • Withdrawals in my checking account.
  • List my withdrawals.

Deposit Transactions:

  • List my deposits in my checking account.
  • Deposits
  • What are my recent deposit transactions?

Find Transactions by Amount:

  • Find my transactions in the amount of $100.
  • Have I had any transactions for $100?
  • Transactions $100


  • Transfer
  • Transfer $100 from my checking to my savings.
  • Transfer $20 to my checking.

Scheduled Transfers:

  • Transfer $100 from my checking to my savings on Saturday and every month.
  • Make a scheduled transfer.
  • Move $5 from my savings to my checking every day.


  • Where is the Lindale branch?
  • Locations.
  • I need to visit a branch.
  • I need an ATM.
  • Where can I find an ATM?