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Digital Banking Upgrade | HCN Bank
Launching Thursday, September 17, 2026 at 9:00 a.m. PT
Upgrade Timeline at a Glance
Before Tuesday, Sept. 15 Make sure you know your username and password, confirm your email address and mobile phone number, and complete any time-sensitive banking activity before access begins to change.
Tuesday, Sept. 15 Online Banking and Mobile Banking access will begin to become limited. Bill Pay and new Zelle® sending will become unavailable, personal access will become view-only at 5:00 p.m., and Business Online Banking will become unavailable at 6:00 p.m.
Wednesday, Sept. 16 Online Banking and Mobile Banking will remain limited or unavailable while we complete the upgrade. Positive Pay clients should respond to email notifications with pay/return decisions as needed.
Thursday, Sept. 17 The upgraded Online Banking and Mobile Banking platforms launch at 9:00 a.m. PT. Sign in with your current username and password, complete first-time authentication, and then re-enable biometrics or your Secure Sign-on Token if you use one.
Friday, Sept. 18 – Monday, Sept. 21 Continue using the new platforms. If you bookmarked an old login page, return to HCNBank.com to sign in. QuickBooks and Quicken Web Connect users can reconnect beginning Sept. 21.
Before September 15: Make sure you know your current Online Banking username and password, and confirm that we have your current email address and mobile phone number. Your current contact information will be used to authenticate you when you first log in.
What's Changing & What's Staying the Same?

One Login for Personal and Business Banking

The upgraded Online Banking and Mobile Banking platforms can support one login for both personal and business banking. If you currently use separate personal and business profiles, we may need to merge them for you. Contact your Relationship Manager or your usual bank contact for assistance.

Upgraded Online Banking and Mobile Banking

Online Banking and Mobile Banking will have a refreshed design and more consistent navigation. The new experience brings personal and business banking closer together, including one HCN Bank mobile app after launch.

Updated First Sign-In Security

When you first sign in after the upgrade, your email address or phone number on file will be used to help verify your identity.

Biometrics and Secure Sign-on Tokens

Face ID, Touch ID, fingerprint sign-in, Soft Tokens, and Hard Tokens will not automatically carry over. Complete your first sign-in with your username and password, then re-enable these security options.

What Is Staying the Same

Your HCN Bank accounts are not being replaced by this upgrade, and the HCN Bank team you know remains here to support you. The change is to the digital experience you use to access and manage your accounts.

More Enhancements to Come

The September 17 Digital Banking Upgrade introduces the new Online Banking and Mobile Banking platforms, with additional enhancements continuing after launch.

What Should I Do Before the Upgrade?
  • Know your username and password. Confirm that you can successfully sign in today.
  • Confirm your email address and phone number. Current contact information is important for first-time authentication.
  • Do not re-enable biometrics or tokens yet. These will be re-enabled after your first sign-in following the upgrade.
  • If you use separate personal and business logins, contact your Relationship Manager. We may need to merge your profiles into a single login.
  • If you use Treasury Management services, review the additional information below.
  • If you use Mobile Banking, review the launch-day app instructions below. Personal users will update the existing HCN Bank app; Business Mobile users will move to the HCN Bank app.
Upgrade Timeline & Service Availability

Online Banking and Mobile Banking access will begin to change on September 15 before the upgraded platforms launch at 9:00 a.m. PT on September 17. The schedule below shows what you need to know and when.

Date / TimeWhat You Need to Know
Before Tuesday, September 15 Make sure you know your current username and password and that we have your current email address and mobile phone number. Complete any time-sensitive Online Banking, Mobile Banking, Bill Pay, or Treasury Management activity before access begins to change.
Tuesday, September 15
3:00 a.m. PT		 Bill Pay and new Zelle® sending become unavailable. Previously scheduled Bill Pay and Zelle® payments will continue to process as planned, and incoming Zelle® payments can still be received during the transition.
Tuesday, September 15
11:00 a.m. PT		 Positive Pay exception deadline. Resolve any available Positive Pay exceptions by 11:00 a.m. PT.
Tuesday, September 15
4:30 p.m. PT		 Final ACH cutoff. ACH files submitted by 4:30 p.m. with an effective date through September 18 will be processed. Files with a later effective date will need to be recreated after launch.
Tuesday, September 15
5:00 p.m. PT		 Personal Online Banking and Mobile Banking become view-only. You can still review account information, but transaction activity and changes will be limited.
Tuesday, September 15
6:00 p.m. PT		 Business Online Banking becomes unavailable. Business and Treasury Management activity should be completed before this time unless we have provided a different service-specific cutoff. Positive Pay clients should add any issued checks or upload their issue file before 6:00 p.m. PT.
Wednesday, September 16 Online Banking and Mobile Banking remain limited or unavailable. Positive Pay clients who receive exception notification emails should communicate their pay/return decisions by replying to those notifications.
Thursday, September 17 · 9:00 a.m. PT The upgraded Online Banking and Mobile Banking platforms launch. Sign in with your current username and password, complete first-time authentication, and then re-enable biometrics or your Secure Sign-on Token if you use one. Personal Mobile Banking users should update the HCN Bank app; Business Mobile users should download and use the HCN Bank app.
Friday–Saturday, September 18–19 Continue using the new platforms. If you previously bookmarked a login page directly, return to HCNBank.com and use the Online Banking login from our website. We will post any important service updates or troubleshooting information as needed.
Monday, September 21 QuickBooks and Quicken Web Connect users can reconnect. Follow the instructions we provide to reconnect beginning September 21.

Times shown are Pacific Time. Some services may have additional deadlines or actions. We will include those details here and in any service-specific communications.

What to Expect the First Time You Sign In
  1. Go to HCN Bank Online Banking or open the HCN Bank Mobile Banking app.
  2. Enter your current username and password.
  3. Complete identity verification using the email address or phone number associated with your profile.
  4. Complete any first-time setup prompts.
  5. Once signed in, re-enable Face ID, Touch ID, fingerprint sign-in, or your Secure Sign-on Token if you use one.
  6. Review your accounts and available services. If something is missing or does not look right, contact us.
Mobile Banking on Launch Day

Beginning September 17 at 9:00 a.m. PT, personal and business clients will use the HCN Bank app for the new Mobile Banking experience.

Personal Mobile Banking

If you currently use the HCN Bank Mobile Banking app, update your existing app on launch day through the Apple App Store or Google Play before signing in.

Business Mobile Banking

The current HCN Bank Business mobile app will no longer work after the upgrade. Download the HCN Bank app from the Apple App Store or Google Play. The new app supports both personal and business banking.

HCN Bank on the Apple App Store HCN Bank on Google Play

Complete your first sign-in with your current username and password. Afterward, re-enable Face ID, Touch ID, fingerprint sign-in, or your Secure Sign-on Token if applicable.

Bill Pay & Zelle® During the Transition

Beginning September 15 at 3:00 a.m. PT, Bill Pay and new Zelle® sending will be unavailable while these services are transitioned to the new Digital Banking platform.

  • Previously scheduled payments will continue to process as planned.
  • Incoming Zelle® payments can still be received while new sending is unavailable.
  • New Zelle® sending resumes September 17 in the new Digital Banking experience.

If you need to schedule or change a Bill Pay or Zelle® payment before migration, complete that activity before the service becomes unavailable.

Treasury Management Clients

If you use ACH Origination, Wire Transfers, Business eDeposit, or Positive Pay, there are additional steps to review before and after the upgrade.

Secure Sign-on Token Users

If you currently use a Soft Token or Hard Token, be prepared to sign in first with your current username and password. After your first successful sign-in to the upgraded Online Banking platform, you will need to re-enable your token before using Treasury Management services.

Hard Token Re-Enablement Guide
Soft Token Re-Enablement Guide

Treasury Management Guides

ACH Guide Wire Procedures Guide Managing Users Guide Positive Pay Guide

ACH Origination

Recipient information will migrate and will be available as Participants in the new platform. Before submitting your first live ACH, review Participants along with originators, approvers and authorized users. Recurring ACH files will need to be re-established after launch.

September 15 ACH cutoff: ACH files submitted by 4:30 p.m. on September 15 with an effective date through September 18 will be processed. Files with an effective date later than September 18 will not be processed and must be recreated in the new platform after launch. Recurring files will need to be re-established in the new platform.

View the ACH Guide

Wire Transfers

The normal 1:00 p.m. PT same-day wire cutoff remains in effect September 15. Only the names of your Payees will carry forward. If you use wire templates, save your wire template information from Business Online Banking before migration so you have the beneficiary account and receiving financial institution information needed to submit wires in the new Digital Banking experience.

After launch, verify authorized users, Payees, wire access and your Secure Sign-on Token before submitting your first live wire. If you use future-dated or recurring wire activity, review it after launch and recreate it as needed.

View the Wire Procedures Guide

Positive Pay

Positive Pay will remain available through the upgraded Online Banking platform, with specific actions required during the migration window.

Positive Pay cutover actions: Resolve available exceptions by 11:00 a.m. PT on September 15. Add any issued checks or upload your issue file before 6:00 p.m. PT on September 15. On September 16, if you receive Positive Pay notification emails, communicate your pay/return decisions by replying to those notifications.

After your first successful sign-in on September 17, re-enable your Secure Sign-on Token and confirm your Positive Pay access before you need to use the service.

View the Positive Pay Guide

Business eDeposit

After your first successful sign-in, re-enable your Secure Sign-on Token and confirm Business eDeposit access before your next deposit session.

Connected Apps & Financial Software

If you connect HCN Bank to QuickBooks, Quicken, budgeting apps, accounting software, payment platforms, financial dashboards, or other third-party services, your connection may be temporarily interrupted as Digital Banking moves to the new platform.

QuickBooks & Quicken

  • Before migration, back up your data and complete any final transaction download you want from the current connection.
  • QuickBooks and Quicken Web Connect users can reconnect beginning September 21.
  • When reconnecting, link to your existing HCN Bank accounts rather than creating duplicate accounts.

Other Connected Apps

Connection availability and any required reconnection steps may vary by provider. If an app stops updating after the upgrade, use that provider's reconnect or reauthorization process when HCN Bank becomes available again. Avoid creating duplicate HCN Bank accounts or connections unless the provider specifically instructs you to do so.

Some automatic Intuit connections may take additional business days to resume after September 21.

Frequently Asked Questions
When is the Digital Banking Upgrade happening?

The upgraded HCN Bank Online Banking and Mobile Banking platforms launch September 17, 2026 at 9:00 a.m. PT.

Why are you making the Digital Banking Upgrade?

The Digital Banking Upgrade provides more modern and consistent Online Banking and Mobile Banking platforms, simpler access for clients with both personal and business relationships, updated security, and a stronger foundation for future enhancements.

Are my HCN Bank accounts changing?

No. The Digital Banking Upgrade changes the Online Banking and Mobile Banking platforms you use to access your accounts. Your HCN Bank accounts themselves are not being replaced because of this upgrade.

What do I need to do before September 15?

Make sure you know your current username and password and that we have your current email address and mobile phone number. Treasury Management clients should also review the additional migration information above.

Will I need to create a new Online Banking account?

No new bank account is required. Use your current Online Banking username and password when you first access the upgraded Online Banking or Mobile Banking platform.

How will my identity be verified the first time I sign in?

Your current email address or phone number on file will be used to authenticate you when you first log in to upgraded Online Banking or Mobile Banking.

Will Face ID, Touch ID or fingerprint sign-in still work?

Yes, but you will need to re-enable biometric sign-in after your first successful sign-in following the upgrade.

What happens to my Secure Sign-on Token?

If you currently use a Soft Token or physical Hard Token, sign in first with your current username and password. After your first successful sign-in, re-enable your token.

Hard Token Re-Enablement Guide
Soft Token Re-Enablement Guide

Will my password expire in the new system?

Online Banking passwords for personal clients may require periodic updates, including a 180-day password cycle.

I have both personal and business banking. Will I still need two logins?

The upgraded Online Banking and Mobile Banking platforms can support one login for both personal and business banking. Existing clients with separate profiles may need us to merge them. Contact your Relationship Manager if your relationships are not available together as expected.

What if I do not know who my Relationship Manager is?

Call us at (951) 766-4100 and we can connect you with the appropriate team member.

What is the ACH cutoff before migration?

ACH files submitted by 4:30 p.m. on September 15 with an effective date through September 18 will be processed.

What if my ACH file has an effective date after September 18?

It will not be processed in the current platform. You will need to recreate and submit the ACH in the upgraded Online Banking platform after launch.

Will my ACH recipients migrate?

Yes. Recipient information will migrate and be located as Participants. After launch, review participant information along with originators, approvers and authorized users before submitting your first live ACH file.

Will scheduled or recurring Treasury Management activity migrate?

Some scheduled or recurring activity may need to be recreated after launch. Recurring ACH files will need to be re-established. Review scheduled items, recurring activity, users, approvals and service access before your first live transaction.

What should I check before sending my first ACH or wire after launch?

For ACH, confirm originators, approvers, authorized users and recipient information. For wires, remember that only Payee names will carry forward. If you use wire templates, save the template information from Business Online Banking before migration so you have the beneficiary account and receiving financial institution information available when you submit your first wire in the new Digital Banking experience. Also confirm account access and your Secure Sign-on Token before sending your first live transaction.

What should Positive Pay clients do during the migration?

Resolve available exceptions by 11:00 a.m. PT on September 15. Add issued checks or upload your issue file before 6:00 p.m. PT on September 15. On September 16, communicate pay/return decisions by replying to the Positive Pay notification emails you receive. After launch, re-enable your Secure Sign-on Token and confirm your Positive Pay access.

Will Business eDeposit still be available?

Yes. After your first successful sign-in, re-enable your Secure Sign-on Token and confirm Business eDeposit access before your next deposit session.

What do I need to do with the mobile app on September 17?

Personal Mobile Banking users should update the existing HCN Bank app through the Apple App Store or Google Play. The current HCN Bank Business mobile app will no longer work after the upgrade; Business Mobile users should download and use the HCN Bank app instead.

Apple App Store
Google Play

What happens to Bill Pay and Zelle® during migration?

Beginning September 15 at 3:00 a.m. PT, Bill Pay and new Zelle® sending will be unavailable. Previously scheduled payments will continue to process, incoming Zelle® payments can still be received, and new Zelle® sending resumes September 17 in the new Digital Banking experience.

What if I use QuickBooks, Quicken or another app connected to HCN Bank?

Third-party connections may be temporarily interrupted during the upgrade. QuickBooks and Quicken Web Connect users can reconnect beginning September 21. Other apps may have different timing or reconnection steps. If a connection stops updating, reconnect or reauthorize your existing HCN Bank connection when available rather than creating duplicate accounts.

What should I do if something does not look right after I sign in?

Complete the first-time setup prompts and review the accounts and services available to you. If an account, business profile, Treasury Management service, or security option is missing or incorrect, contact us for assistance.

Need Help?

Contact your Relationship Manager or call Client Services at (951) 766-4100.

Hard Token Guide Soft Token Guide HCN Bank on the Apple App Store HCN Bank on Google Play

We will continue to update this page with important launch information and troubleshooting guidance as needed.