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Digital Banking Upgrade | HCN Bank
Launching Thursday, September 17, 2026
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 will be 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.
Thursday, Sept. 17 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.
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?

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. Mobile Banking will more closely match what you see in Online Banking.

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.

More Enhancements to Come

The September 17 Digital Banking Upgrade introduces the new Online Banking and Mobile Banking platforms. Additional enhancements will continue 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.
Upgrade Timeline & Service Availability

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

Date / Time What 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 becomes unavailable. If you need to schedule or manage bill payments before the upgrade, complete that activity in advance.
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.
Wednesday, September 16 Online Banking and Mobile Banking remain limited or unavailable. No action is needed from you while we finish preparing the upgraded platforms for launch.
Thursday, September 17 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.
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.
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

ACH Origination

Recipient information will migrate. Scheduled activity may need to be recreated after the upgrade. Before submitting your first live ACH in the upgraded Online Banking platform, review originators, approvers, authorized users and recipient information.

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.

Wire Transfers

After launch, verify authorized users and your wire access before submitting a live wire. Review recurring or saved wire activity and recreate any items that do not carry forward as expected.

Positive Pay

Positive Pay will remain available through the upgraded Online Banking platform. After your first successful sign-in, re-enable your Secure Sign-on Token and confirm your access before you need to review exceptions.

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.

Frequently Asked Questions
When is the Digital Banking Upgrade happening?

The upgraded HCN Bank Online Banking and Mobile Banking platforms launch September 17, 2026.

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 activity migrate?

Some scheduled or recurring activity may need to be recreated after launch. 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?

Confirm the correct originators, approvers, authorized users, recipient or wire information, account access, and Secure Sign-on Token before sending your first live transaction.

Will Positive Pay still be available?

Yes. Positive Pay will be accessed through the upgraded Online Banking platform. After your first successful sign-in, re-enable your Secure Sign-on Token and confirm your access before you need to use the service.

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 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 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.

Additional service-specific instructions may be provided directly to affected Treasury Management clients as the September 17 upgrade approaches.