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Click here to visit the Technology Upgrade page

Apple users: please remove the BOF App from your mobile device and download the new BOF App from your app store when it becomes available (approximately on Friday, October 16, 2026).

Genuinely Local. Surprisingly Modern.
This October, we prove it.

We’re upgrading our banking system Friday, October 9th – Monday, October 12th, an investment in faster, easier, more secure banking for you.

Same people. Same accounts. Better experience.

Why we're doing this

For over 120 years, we’ve invested in the communties we serve. This fall, we’re investing in the technology behind your banking - so your online and mobile banking keep getting easier, your information stays protected by the latest security, and we keep bringing you modern tools without ever losing the local touch. Big-bank technology, hometown service. That’s the whole idea.

What stays the same?

Staying the Same

  • Your account numbers
  • Loan rates and terms

Changing (for the better)

  • Faster, more secure system behind the scenes
  • Refreshed statement design starting in November
  • Stronger foundation for new digital banking features to come

Mark your calendars

Friday, Oct 9

  • Upgrade Begins
  • Some services pause

Saturday, Oct 10

  • Farmington Branch Closed
  • Phone support available during drive-up hours

Sunday, Oct 11

  • Finishing touches

Monday, Oct 12

  • Finishing touches
  • Our branches will be closed Monday, October 12th in recognition of Columbus Day

Helpful Information

Mobile Deposit is up and running. Please start using!

Debit Cards: Please follow the steps below to activate your new debit card:

1. Activate your card using the phone number associated with your account. If you use a different phone number, your card will NOT activate.
2. During the activation process, you will be prompted to create your PIN.
3. After activating your card, your first transaction must be completed using your PIN to confirm activation. This can be an ATM transaction, a gas station purchase, or any other transaction that requires you to enter your PIN.
IMPORTANT: Your old debit cards will NO LONGER WORK. Please activate and begin using your new debit card.
Digital Wallets: If you are trying to add your new debit card to a digital wallet, it will not work at this time. This does NOT mean there is an issue with your card. Digital wallet functionality is not available yet.

Customer Communication - Impact Trifold

Learn More

Business Online Banking Upgrade

Learn More

New Enhanced Digital Banking and Bill Pay

Learn More

New Enhanced Debit Cards

Learn More

Statements and Christmas Club Information

Learn More

Online Banking - 1st Time Login Instructions

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ATM Outage Schedule

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Quickbooks/Quicken Instructions

Quickbooks Desktop Instructions

As your financial institution completes its system conversion, you will need to modify your QuickBooks settings to ensure that your data connectivity transfers smoothly to the new system.

Learn More

Quickbooks online conversion

As your financial institution completes its system conversion, you will need to modify your QuickBooks Online settings to ensure that your data connectivity transfers smoothly to the new system.

Learn More

Quicken Conversion Instructions

As your financial institution completes its system conversion, you will need to modify your Quicken
settings to ensure that your data connectivity transfers smoothly to the new system.

Learn More

FAQs

When is the upgrade taking place?

Our technology upgrade is taking place Friday, October 9th through Monday, October 12th. Please note that our branches will be closed on Monday, October 12th in recognition of Columbus Day.

What can I expect during the upgrade?
To ensure a successful transition, some banking services will be temporarily affected during the conversion weekend.
  • Farmington Branch will be closed on Saturday, October 10.
  • Extended phone support will be available during normal drive-up hours at (309) 245-2441.
  • Online banking and other digital services may experience intermittent interruptions.
  • ATM and debit card transactions may be briefly unavailable at certain times during the conversion.
What services will remain the same?
Many of the services you use today will not change, including:
  • Your account numbers
  • Loan rates and terms
Do I need to do anything to prepare?

We encourage you to plan ahead, as some services will be unavailable between Friday, October 9 through Monday, October 12.

Please watch for updates and reminders leading up to the conversion. We will share important information through our website, online banking, mobile banking app, email communications, and branch signage.

Is my personal and banking information secure?

Absolutely. Protecting your information remains our highest priority. Your personal information, account details, and banking records will remain secure throughout the upgrade process.

Will my account number change?

NO

Will the routing number for the bank change?

NO

Will my automatic payments to and from my account still work?

Yes, your automatic payments to and from your accounts will transfer over (please note that external transfers set up in online banking will not convert).

Will I be able to use my current debit card during the upgrade weekend?

Yes, until Sunday October 11th. On October 12th, you can start using your tap to pay card!

When will I receive my new card in the mail?

You will receive your new card 1-2 weeks prior to the October 9th upgrade.

Will our new debit cards be tap to pay cards?

YES!

Where can I find a list of surcharge free ATM’s that I can use?

https://www.nyce.net/atmlocator/nyce.html

When will I be able to make external transfers?

The external transfers option in online banking will not be ready until the week of October 19, 2026.

Will my E-Bills in Bill Pay convert?

No, your E-Bills for Bill Pay will not convert - you will need to set them up again.

We're here to help:

Questions? Call or text (309) 245-2441 visit any branch, or come to one of our Upgrade Help Days in September—no appointment needed, and we'll walk you through everything one-on-one.

Protect Yourself from Fraud

One thing that never changes: we will never call, email, or text you asking for your password, PIN, or security codes. If anyone does, hang up and call us at (309) 245-2441.