UK Credit Union & Bluegrass Community Federal Credit Union Complete Merger

Transactions and balances will show in online banking beginning 10/1. Previous transaction history will not be available.

Some account history may not transfer into the new system the same way it appeared previously.

Pending transactions processed during the conversion period will appear once they have fully posted to your account.

Yes. While enrolling in Online Banking, you will have an opportunity to enroll to receive e-Statements for members who regularly review and/or save their monthly statements.

Bluegrass members will create new usernames and passwords during re-enrollment. The enrollment process will begin on 10.01.2026. If you already have a UK Credit Union membership, you may log in as you normally would and see all of your accounts aggregated. If you already have a UK Credit Union membership, you will receive a duplicate error message that reads, “Username already exists.” You will not need to set up an additional Online Banking Account to access your converted Bluegrass Accounts as they will be merged into existing UK Credit Union Online Banking Accounts, if possible.

• Alerts – Unfortunately, any existing alerts created on the Bluegrass Online Banking platform will need to be created on UK Credit Union’s Online Banking or Mobile App. To set up new alerts, log into Online Banking or the Mobile App and navigate to:

Menu > Profile & Settings > Alerts.

• Bill Pay – Similar to the alerts, all previous payees set up in Bill Pay will need to be re-established in UK Credit Union’s Online Banking or Mobile App. For complete details, please see the Electronic Funds Disclosure on page 21.

• Transfers and Recurring Payments – Any recurring transfers (internal or external) will need to be re-established within UK Credit Union’s Online Banking or Mobile App.

Historical statements will not be available immediately at conversion. We are working with our partners to obtain and upload prior statement PDFs into the new system. Once available, members will be able to access them through the Statements section of Online Banking. Additional timing information will be communicated as it becomes available.

During the transition, your election to opt in or opt out of Courtesy Pay will remain the same, and Courtesy Pay limits in place before October 1 will remain the same after October 1 (some members may notice a lower limit to align with UK Credit Union’s maximum limit). Beginning November 6, the elections will remain the same, but will be based off the Courtesy Pay Program at UK Credit Union where the limits are determined per account by the age of the account, the account deposit history, previous overdraft activity, and whether the account is or is not in good standing. Limits may vary and are subject to change daily based on changes in the account. If you would like to modify your Courtesy Pay election, you may visit or call a UK Credit Union branch. For more information on Courtesy Pay Policy, please review the information in its entirety on page 19.

UK Credit Union also proudly offers Overdraft Protection in which a Checking Account may be linked to a Savings Account in the event that you attempt to make a transaction that exceeds your current balance.

Yes. All certificates and IRAs will transfer over at their current rate and term. However, once they have renewed, other terms and conditions may vary based on UK Credit Union product terms.

Yes. Because you will enroll as a new Online Banking user with UK Credit Union, any external accounts used for transfers must be added again.

No. You will need to recreate any recurring transfers after enrolling in the new Online Banking system.

Before conversion, make a note of your payees and scheduled payments. After enrollment in the new system, you will need to add payees and schedule payments again.

Limits vary based on Online Banking registration date. Internal payments and money movement are real time. External transfers and payments process in 1-2 business days.

Once registered for OLB, if the funds are in your UK Credit Union account, you can easily transfer funds. You can also link an external account to transfer your payment. Please note – external payments are not real time, and process within 1-2 business days. We also offer PayPoint* on our website www.ukcreditunion.org under Pay My Loan.

 *fees may apply

Yes, the majority of members will have the ability to continue using existing checks. However, there is a small number of Bluegrass members that will need to have their account numbers changed, and those checks will no longer function. Those members will be contacted directly.

The loan rates and payments will not be changing. The simplest way to make a loan payment is from an existing share account at UK Credit Union. You may also set up a recurring transfer from another financial institution using their ACH Payment process. Lastly, if you need to make a payment using another financial institution, ACH or debit/credit card, you may do so through our Paypoint portal.

Visit www.ukcreditunion.org, and navigate to ‘Pay My Loan’. Please note that there is a $10 convenience fee associated with Paypoint, and we highly recommend paying your loans directly from an existing UK Credit Union share account, or through a recurring payment at another financial partner.

No. Card controls, spending limits, and alerts will need to be set up again after enrollment. 

Card controls are available within Online Banking and the mobile app, where you can manage alerts and card settings.

Yes. The digital banking platform supports Apply Pay and Google Pay wallet integration.

All former Bluegrass members that have an active debit card will receive a new UK Credit Union debit card via mail to their address on file at least 10 days prior to October 1, 2026. The mailer will provide instructions on how to activate your new debit card, and maximize the benefits you receive as a UK Credit Union member.

• Your Bluegrass Debit Card will no longer work after 11:59 PM on September 30, 2026.

• NOTE 1: Please be ready to destroy your old Bluegrass Debit Card (on or after October 1) once you have activated your UK Credit Union Debit Card. 

• NOTE 2: Members who only have a savings account tied to their Bluegrass Debit Card will not be issued a UK Credit Union Debit Card. Savings accounts can only be accessed on a Debit Card if the member also has a checking account. For affected members, please contact Bluegrass about opening a checking account to retain ATM access to your savings.

Alerts do not transfer during the merger. You will need to set them up again within Online Banking under Settings or Alerts.

Yes. You can create alerts for specific accounts, balance, transactions, and card alerts in our digital banking platform.

Features include:

Contact our Member Experience team at 859-264-4200, email contact@ukcreditunion.org, or send a Secure Message in Online Banking under Contact Us.

Contact our Member Experience team at 859-264-4200.