Technology evolves very quickly, and HUECU wants our members’ banking experience to keep pace.
Our current systems served us well for decades, but in recent years, they have not allowed HUECU to quickly develop and deploy the features that our members expect.

In November, we will undergo a significant technology upgrade that will greatly enhance HUECU’s products, services and user experience going forward.

To make this happen, HUECU will go dark for 3 days over Veterans Day Weekend.

What You Should Do


1. Verify Your Contact Info: Confirm your address, phone number and email by logging in to Online Banking or reviewing your statements. You are also welcome to call us at 617-495-4460 or come in to any branch.

2. Mark Your Calendar For the Upgrade Weekend: (November 9, 2019 through November 11, 2019)

3. Check Your Inbox: We will keep you up-to-date on all the changes from September 22 to November 12. You’ll receive either email or standard mail. Emails will come from Check your Spam folder if you haven’t seen a message.

4. Learn More: Check out the rest of this booklet for details about Your Account, Statements, Online & Mobile Banking, and Membership. Visit for full details and tutorials.

5. Add account nicknames. We recommend that you give your accounts Nicknames now (e.g. Main Checking, Rental Checking, Vacation Savings, etc.) to differentiate between them after the upgrade. You can add them in Online Banking or by contacting us.

  Make Deposits: Complete deposits at HUECU ATMs or branches on or before Friday 11/8/19 at 4pm. If making mobile deposits complete by noon on Friday 11/8/19.

  Receive your username. If you currently have multiple Usernames, your lowest member number will generally be the surviving member number. All of your accounts will be under this Username.

  Make any necessary transfers. No transfers will be processed November 9-11. The accounts and recurring transfers that you’ve set up to your other financial institutions will automatically move over.

  Set travel notices. If you’re traveling out of state during the holiday weekend, please be sure to let us know prior to Friday at 4pm.

  Visit a branch. Complete any special in-branch transactions you may need prior to Friday at 4pm.

  Grab cash. Online, Mobile & Telephone Banking will be unavailable during the upgrade, so having a couple payment options or extra cash is a good idea.

Note: Some services may be unavailable on Friday, November 8. Contact us if you need help.

Completing these simple steps prior to November 9 will help minimize any potential inconveniences and/or interruptions to your day-to-day HUECU experience. Visit for the latest information on the system upgrade.

Enjoy Veteran’s Day weekend knowing your money is safe!

  1. Check out Online and Mobile Banking. The first time you log in on the new system, we’ll verify your identity and ask you to reset your Password. Then enjoy our new and improved features.
  2. Need help? Call us at 617-495-4460, visit, or come in to any branch.

What’s Available Over Veteran’s Day Weekend

During this three day “downtime” (11/9 – 11/11), HUECU access will be affected in the following ways:

What won’t be available

  • HUECU branches will be closed
  • Contact Center: Telephone and email support will not be available
  • Online and Mobile banking will be unavailable (including mobile check deposit)
  • Online Bill Pay: You will not be able to set up or cancel payments during the system upgrade. All existing scheduled bill payments will operate normally and will be processed as planned.
  • ATM and Debit Card access will be limited
  • Bank by phone (and forever after)
  • Shared Branches (You will not be able to access your account or conduct any transactions at shared branch locations during the upgrade)


What will be available

  • HUECU Credit Card will work normally
  • 24-hour customer service numbers for credit and debit cards will be open
  • Debit Cards
    • Temporary limits will be in effect: $1,000 Debit Card (PIN/Signature transactions). Card transactions, including ATM withdrawals, will post to your account by the time we open Tuesday morning.
  • Automatic deposits, withdrawals, and payments
  • Loan Applications
  • Loan Payments: Payments scheduled to happen during the update will be processed on or before Tuesday morning 11/12. You will not be able to set up new loan payments or cancel existing payments during this time.
  • HUECU ATMs: During the upgrade, ATM withdrawals will be available for cash withdrawals only. Access to account balances and ATM transfers will not be available during the upgrade. Your balance will not update.

What’s the difference

What will NOT change

  • Your member number. However, if you have multiple member numbers, your lowest member number will survive (more details below).
  • Checking account numbers. Your current checks will still be valid after the conversion is complete and direct deposits will not be affected.
  • HUECU Debit and Credit Card numbers and PINs.
  • HUECU’s routing and transit number.
  • Bill Pay will not be changing, but if you had multiple Bill Pay profiles on our old system, you will now be able to access all of your payees in one place. You will also be able to use any of your checking accounts for paying bills. You will not need to re-register because your registration will transfer to the new system.
  • All scheduled deposits, transfers and payments that you have set up with any of your accounts (Please note: transfers, payments, and other transactions that are processed automatically will still occur on the day they are scheduled, though some will happen at a new time of day)
  • Your username for online banking
  • Student Loan UAS Accounts


What will change

  • Member numbers and account numbers
    • If you currently have only one Member number, your Member number will not change. However, each account you have (i.e. savings, checking, loan, etc) will now have a unique account number, which identifies that specific account.
    • If you have multiple Member numbers in which you are listed as the primary account holder, all your accounts will be consolidated under one Member number. The surviving Member number will generally be your lowest Member number on file.
    • You will receive two statements during the month of November.
    • Joint Members: All account holders or borrowers will have their own member number! Please make sure to update your contact info so we can share the latest happenings with you.
  • Online and Mobile Banking:
    • Now you only need one login to see all of your accounts. When you log in after the upgrade, we’ll verify your identity and ask you to reset your Password. If you currently have multiple Usernames, you will use the lowest member number.


Get answers to the most common questions about the upgrade.


International and U.S. domestic Harvard graduate students are eligible to apply for the Harvard Graduate Loan.

If you are a domestic student, you will need one form of government-issued identification. If you are a permanent resident, we will also request a copy of your green card.

If you are an international student, documentation will include a passport, secondary form of identification issued in your home country and an F-1 Visa and I-20 or J-1 Visa and Form DS-2019.


The total amount Harvard students can borrow is dependent on the cost of attendance, loan limits determined by the school, and the financial aid office certification of your loan.


No. A co-signer is not required.

A credit-worthy co-signer that is a U.S Citizen or permanent resident will result in a 0.50% discount on your interest rate.

A co-signer may be released after 48 months of consecutive qualifying on-time payments. A credit check will be required at the time of release.


Watch these short videos to learn more about the new digital banking experience.”

We’re here to help!

Contact Us

Please contact the HUECU Student Loan Operation Center:

Training Workshops

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