Expansion News

More Options

Competitive rates and a wider lineup of products and services

Expanded Access

24 branch locations and access to over 30,000 surcharge-free ATMs

Enhanced Technology

Updated digital banking tools and improved mobile app experience

Account Statements

Your final statement from FSB will include transactions through April 10, 2026. Transactions after that date will appear on your new Y-12 Credit Union statement.

Your final FSB statement will be a mailed paper statement, even if you previously received statements electronically. You must re-enroll to receive eStatements from Y-12 Credit Union. Here's how.

The $2 paper statement fee will be waived for 90 days to provide ample time for enrollment.

Y-12 Credit Union statement cycles:

Digital Banking

Your Digital Banking profile will transfer to Y-12 Credit Union during conversion weekend and will be available on Monday, April 13. Visit y12fcu.org—we’ll let you know when it’s ready.

FSB’s Bill Pay services will be discontinued at 5 p.m. on Thursday, April 9. Payees and scheduled payments will transfer to EasyPay, found inside Y‑12 Credit Union’s Digital Banking. Here are some tips.

You can log in at y12fcu.org (in the top-right of your screen) or by downloading the mobile app.

• 
  What is the system conversion timeline?

  Conversion will take place April 10-13. All former FSB accounts will be fully converted when branches open on Monday, April 13.
  
  

• 
  Can I access my account during conversion weekend?

  Some card transactions may be limited or temporarily unavailable April 10-13. We recommend making any large purchases before Friday, April 10.
  
  

• 
  Will online and mobile banking be available?

  These services will be unavailable beginning the afternoon of Friday, April 10. You can access your new Credit Union accounts through the Y-12 Credit Union website or Digital Banking app starting the morning of Monday, April 13.
  
  

• 
  Will Bill Pay be available?

  Bill Pay will be unavailable during conversion weekend. Beginning Thursday, April 9, at 5 p.m., you will not be able to schedule future-dated payments until conversion is complete on Monday, April 13. Any bills not scheduled before then will need to be paid in EasyPay on or after April 13.
  
  

• 
  What happens to debit card transactions made during conversion weekend?

  During conversion, any debit card transactions you make will not post immediately or reflect in your available balance. Transactions will begin posting to your Credit Union account on Monday and will post over the next few days.
  
  

• 
  What's a credit union?

  Credit unions offer many of the same services as banks — such as deposits, loans, and financial tools — but operate differently. We are not for profit financial cooperatives owned by our members and guided by a volunteer board of directors. Because we return earnings to members, we’re able to provide competitive rates, low fees, and a focus on financial well-being.
  
  

• 
  Why do credit unions refer to their clients as "members" and not "customers"?

  In a credit union, every member is an equal owner with one vote, meaning there are no shareholders or profit motives. This cooperative structure unites members through a shared field of membership, and profits are returned to members through better rates and fewer fees.
  
  

• 
  Who can join Y-12 Credit Union?

  Anyone who lives, works, worships, or attends school within eligible areas of Alabama, Georgia, Kentucky, North Carolina, Tennessee, and Virginia may join. Membership is also available through the Y-12 FCU Gives Foundation, our nonprofit dedicated to fighting childhood hunger.
  
  

• 
  Are deposits federally insured by Y-12 Credit Union?

  Yes. Deposits are insured by the National Credit Union Administration (NCUA) up to at least $250,000, backed by the full faith and credit of the U.S. government. Visit ncua.gov for more information.
  
  *Additional insurance may be available for public funds and other large depositors.

• 
  Who is Y-12 Credit Union?

  Y-12 Credit Union has been serving East Tennessee since 1950. Today, we are a $2.7 billion institution with 24 branches and more than 130,000 members.
  
  

• 
  Where is Y-12 Credit Union located?

  Our headquarters are in Oak Ridge, Tennessee. With the completion of the acquisition, we now have 24 branches across East Tennessee and Southeast Kentucky, offering more convenient access than ever before.
  
  

• 
  Where can I learn more about Y-12 Credit Union?

  • About Us
  • Facebook
  • LinkedIn
  • Instagram
  • YouTube

  
  
  

• 
  What’s changing with my account?

  All FSB accounts will be transitioned to comparable Y-12 Credit Union products. You’ll receive a personalized letter in the mail outlining your specific account changes.
  
  

• 
  Will my account numbers change?

  Yes. As part of the conversion, you will receive a new member number, and each of your accounts will be identified by a two digit suffix. Instead of having a completely different account number for each product, you will have one member number with suffixes that indicate each account type. This structure is standard for credit unions and will make it easier to manage all your accounts under one profile.
  
  Here’s an example of how FSB account numbers compare to the new Y-12 Credit Union format:
  

  FSB Account Numbers		Y-12 Credit Union Account Numbers
  		Member Number	555555
  Savings Account	111111	Primary Share	555555-00
  Checking Account	222222	Everyday Checking	555555-91
  CD	333333	Share Certificate	555555-30
  Loan	444444	Loan	555555-01

  
  
  

• 
  What if I already have accounts at both FSB and Y-12 Credit Union?

  Your FSB account will convert into a new Y-12 Credit Union account, separate from your existing Y-12 Credit Union account. If you’d like help organizing or structuring your accounts in a way that works best for you, our team is here to help.
  
  

• 
  What about direct deposits and automated payments?

  Your existing direct deposits and automated payments will continue to process normally on your new account. No action is needed on your part.
  
  

• 
  What is the routing number for Y-12 Credit Union?

  Y-12 Credit Union’s routing number is 264281432. If you currently have deposits or withdrawals set up using the FSB routing number, they will continue to work without interruption. You will only need to use the Y-12 Credit Union routing number when setting up new payments or deposits.
   
  
  

• 
  Will my rates or fees change?

  Accounts will follow the Y-12 Credit Union fee schedule. Loan and share certificate rates will remain the same. Other products will convert to corresponding products and their associated rate. Please refer to the Truth in Savings disclosure in your welcome packet.
  
  

• 
  Will my statements change?

  Yes. You will receive a combined statement for deposit and consumer loan accounts. Statements are mailed at the beginning of each month, or you may enroll in eStatements for quicker, more secure access. Mortgage and commercial loan statements will remain separate.
  
  

• 
  If I’m registered for eStatements, will this continue?

  No. You will need to re-enroll for Y-12 Credit Union eStatements. To sign up, simply click eDocuments in Digital Banking and follow the prompts.
  
  

• 
  What is a Primary Share (savings) Account?

  A Primary Share Account is required for all members and represents your ownership in the Credit Union. Y-12 Credit Union requires a $1.00 minimum balance to maintain membership. A Primary Share Account will be opened and funded for you as part of the conversion.
  
  

• 
  Will online banking change?

  Yes. Select Log In at the top of the screen to log into Digital Banking.
  Primary members: Your username and password will not change, so be sure you know it. You may be prompted to update your password if it does not meet security requirements. You will be required to enter a one-time passcode (OTP) to complete your first login. An accurate mobile number will allow us to text your passcode, making your login quick and easy.
  Joint members: You will no longer have a unique username and password. Accounts will have a single login assigned to the primary member that can be shared with you.
  
  

• 
  What about the mobile app?

  Members will need to download the Y-12 Credit Union mobile app to access Digital Banking going forward. You can download the app anytime to be prepared for conversion weekend. The FSB mobile app will be disabled on Friday, April 10.
  
  If you normally log in using Face ID, Touch ID, or other facial/biometric recognition, please make sure you know your password. You will be prompted to enter your password once, and then you can re enable biometric login.
  
  

• 
  Will Bill Pay change?

  Yes. Bill Pay will convert to EasyPay on Monday, April 13. With EasyPay, you can pay your bills, pay a person, and transfer money to external accounts, all within Digital Banking.
  
  

• 
  Will my current Bill pay data transfer to EasyPay?

  What will transfer to EasyPay:
  

  • Payee information that has been used in the last 24 months
  • Scheduled recurring payments
  • Future one-time scheduled payments
  • The last 12 months of account history

  
  
  What will not transfer to EasyPay:
  

  • Inactive payees that have not been used in over 24 months
  • History older than 12 months
  • eBills – you will need to add these in EasyPay within Digital Banking

  
  
  

• 
  When will EasyPay payments be deducted from my account?

  EasyPay payments are deducted from your account on the date scheduled. If funds are not available on the scheduled date, we will be unable to process the payment. You will receive a notification and will need to reschedule the payment for a later date.
  
  

• 
  Will I be able to access check images in Digital Banking?

  Clicking a check number in the transaction history will not display a check image. However, you can view 18 months of images through your statements in Digital Banking. For older images, please call us at 800-482-1043.
  
  

• 
  How much transaction history will be in Digital Banking?

  Transaction history will not transfer into Digital Banking. However, you will still have access to your previous activity through your eStatements, which include up to 18 months of history. A statement for February 1-10 will be available a few days after conversion.
  
  

• 
  Will telephone banking change?

  Yes. Beginning Monday, April 13, you can call our Member Automated Response Service (MARS) at 800-676-3335 to access account information. First-time users will be prompted to enter their member number and set up a new PIN for authentication.
  
  

• 
  Can I access my mortgage or business loan in Digital Banking?

  Yes. You can view balances and schedule payments.
  
  

• 
  Will my FSB Mastercard debit card still work?

  Most merchants participate in the Visa Account Updater service, which allows card information to update automatically. Please monitor your account to ensure payments process correctly.
  
  

• 
  Can I keep using my current checks?

  Yes. Continue using your checks until they run out. When you reorder, new checks will include your updated routing and account numbers.
  
  

• 
  Will my overdraft protection change?

  No. Your current overdraft protection will transfer to your new Y-12 Credit Union checking account, and your limits will remain the same.
  
  Y-12 Credit Union offers multiple types of overdraft protection, and we will match your current setup:
  

  • If you have overdraft transfers from your savings account:
    This service will continue on your new accounts just as it does today.
  • If you have overdraft protection that pays items when your balance is not sufficient:
    You will continue to have this service through Y-12 Credit Union’s Courtesy Pay. Your coverage and limits will remain unchanged.

  
  
  

• 
  How do I make my loan payments?

  Loan Payment Options:
  

  • Digital Banking: Make your payment by transferring funds from your Y-12 Credit Union account. Transfers can be made manually or set up a recurring scheduled transfer.
  • Consumer Loan Payment Center: y12fcu.org/payment-center
    • Express Pay: Make your payment with a debit card from another institution. A convenience fee will apply.
    • Recurring Payments: Register and set up payments without a fee.
  • Mail: Send your payments to Y-12 Credit Union, P.O. Box 2512, Oak Ridge, TN 37831.

  
  
  

• 
  Will my existing ACH payments automatically transfer?

  No. You can set up new ACH payments in the Online Payment Center or by choosing the Pay/Transfer menu in Digital Banking.
  
  

• 
  Will my loan officer change?

  No. You will continue to work with the same person you know and trust.
  
  

• 
  Will anything change with my business account or loan?

  Deposit accounts will convert to similar Y-12 Credit Union products. Loan rates and terms will not change. You’ll receive a personalized account letter with details.
  
  

• 
  What about online or mobile banking?

  You’ll have access to Business Digital Banking on Monday, April 13. Your username and password will not change, so be sure you know it. You may be prompted to update your password if it does not meet security requirements. You will be required to enter a one-time passcode (OTP) to complete your first login. An accurate mobile number will allow us to text your passcode, making your login quick and easy. Once you’ve logged in, you can assign logins for authorized signers.
  
  

• 
  Are my deposits federally insured?

  Yes. Deposits are federally insured through the NCUA up to $250,000. Visit ncua.gov for more information.
  
  

• 
  Will any branches close?

  At this time, we do not have plans to close any branches. Our focus remains on providing you with the same great service and convenient access you’ve come to expect.
  
  

• 
  Will I still see the same employees?

  Yes. FSB employees have done an incredible job integrating with the Y-12 Credit Union team. We are thrilled to have them on board!
  
  

• 
  Will I be able to access my account at Y-12 Credit Union branches?

  Yes! Beginning Monday, April 13, you’ll have access to all Y-12 Credit Union branches. A branch map is included in your welcome packet, or you can visit y12fcu.org/locations.
  
  

• 
  What about ATMs?

  You’ll have access to more than 30,000 surcharge-free ATMs through the Co-op Network.
  You can find these locations at y12fcu.org/atm-locations or in the Digital Banking app.
  
  

• 
  Will FSB branches be rebranded and remodeled?

  Yes. Some branch updates are already underway. Middlesboro locations will be complete by Monday, April 13 , with additional updates to remaining branches happening throughout the year.
  
  

• 
  Will there be changes to branch hours?

  No. Branch hours are not changing at this time.
  
  

• 
  When can I open new Y-12 Credit Union products and services?

  All Y-12 Credit Union products and services will be available beginning Monday, April 13. Watch your mailbox for more information on our products and services after the conversion, including some grand opening specials!
  
  

• 
  Will the FSB website change?

  Yes. It will redirect to y12fcu.org for 30 days beginning Monday, April 13. Please update your bookmarks for future reference.
  
  

• 
  Will employee emails and phone numbers change?

  Yes. Emails will be updated to the y12fcu.org domain. You can reach us by phone at 800-482-1043.
  
  

• 
  Will call center hours change?

  Yes. Our Member Engagement Center hours are Monday–Friday, 8:30 a.m.–5:30 p.m. and Saturday, 9 a.m.–2 p.m.
  
  

• 
  Who do I contact if I have questions?

  Call us at 800-482-1043 or chat with us using Ask Atom. (Ask Atom is always ready at the bottom right corner of your screen.)