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Our branches will be closed on Thursday, November 26, for Thanksgiving Click here to learn more.

As we monitor health conditions in the Capital Region and adhere to official guidance, CAP COM may experience staff shortages. We appreciate your patience if you encounter longer wait times, or if your branch has shifted to drive-thru or appointment-only services. Please check back for the most up-to-date information.


General Information and Timeline

Why is CAP COM upgrading its system?
The system upgrade will allow CAP COM to expand capabilities and enhance services in the future.

When will the upgrade take place?
The system upgrade will begin Friday, March 1 at 6:00 p.m. CAP COM's online, mobile, and phone banking services will resume on Monday, March 4 at 7:30 a.m. Branches will return to regular business hours on Monday, March 4.

Will CAP COM branches be open during the upgrade?
No. CAP COM will close at normal business hours on Friday, March 1 (6:00 p.m.). After that, all CAP COM branches and the Contact Center will remain closed until they open at normal business hours on Monday, March 4.

When will CAP COM re-open for normal business?
CAP COM branches and the Contact Center are scheduled to re-open on Monday, March 4, when standard business hours will resume. Online, Mobile, and Phone Banking should be available by 7:30 a.m.

 

Availability of Services

Can I access Online, Mobile, or Phone Banking during the upgrade?
No. Online, Mobile, and Phone Banking will not be available during the system upgrade from Friday, March 1, 6:00 p.m. through the weekend. Online, Mobile, and Phone Banking should be available on Monday, March 4 at 7:30 a.m.

Can I transfer funds during the upgrade?
No. You’ll need to transfer any funds you anticipate needing during the system upgrade by March 1 at 6:00 p.m.

Will I be able to obtain account-related income tax information during the upgrade?
No. If you plan to prepare your income taxes that weekend, be sure to obtain your account-related tax information in advance.

Will direct deposits be processed during the upgrade?
No. Because direct deposits are only processed on weekdays, they will not be affected by the weekend upgrade.

Can I access my CAP COM account at Shared Branch locations during the upgrade?
No. Shared Branch Services will not be available during the system upgrade.

Will the Member Services team be available in the Contact Center during the upgrade?
CAP COM’s partner call center will be available to answer general questions (account-specific questions cannot be addressed during the system upgrade). The Contact Center is scheduled to re-open Monday, March 4, at its regularly-scheduled time of 8:30 a.m.

Will Mobile Deposit be available during the system upgrade?
No. Mobile Banking functions will not be available during the system upgrade period.

Will Bill Pay and POP Money be available during the upgrade?
No. Online and Mobile Banking, including Bill Pay and POP Money, will not be available during the system upgrade period. Previously scheduled bill payments will not be affected.

What if a Bill Pay or POP Money payment is scheduled to occur during the system upgrade?
Because payments are processed on weekdays only, previously scheduled Bill Pay and POP Money payments will not be affected by the system upgrade.

What will happen if I have a recurring transfer scheduled in Online Banking for March 1-3?
We will ensure that your transfer will take place as scheduled. If you experience any issues, you can contact us at (800) 634-2340 when we re-open on Monday, March 4.

Can I apply for a loan online during the system upgrade?
Yes. You can apply for a loan, and it will be reviewed when CAP COM re-opens on Monday, March 4.

Can I check the status of a loan application during the system upgrade?
Yes. You can log in and check the status of a loan application.

Can I open a new account during the system upgrade?
Yes. You can apply to open a new account, and it will be reviewed when CAP COM re-opens on Monday, March 4.

 

Fraud

What happens if my card is lost or stolen while CAP COM is closed?
As always, you can report a lost or stolen card by calling (844) 228-8853.

What if I notice fraud on my card that happened during the outage weekend?
CAP COM’s card surveillance team will monitor your cards for fraud during the upgrade weekend, just as we always do. You can report Debit or Credit Card fraud by calling (844) 228-8853. 
If you notice any suspicious transactions from that weekend or any other time, please contact us at (800) 634-2340 for assistance.

 

ATMs

Can I withdraw money from CAP COM ATMs during the upgrade?
Yes. You will be able to withdraw money from CAP COM ATMs and non-CAP COM ATMs.

Can I deposit checks at the ATM?
No. You cannot make deposits to your CAP COM account at any ATM during the system upgrade period.

Can I check my balance at the ATM?
No. ATM balance inquiries will be disabled during the system upgrade.

Can I access money from a non-CAP COM ATM during the system upgrade?
Yes. You can withdraw money from any ATM, but you cannot make deposits during the system upgrade period.

Will fees for non-CAP COM ATM transactions be charged?
Yes. Applicable fees will be charged as usual. CAP COM Premier and Young Adult Checking accounts, eligible for ATM fee waivers, will receive refunds during the week of March 4.