Frequently Asked Questions for Business Members

When did my Animas accounts move into Sunward’s transactional system?

Animas accounts moved into Sunward's transactional system starting on the evening of Thursday, June 30 through Friday, July 1, 2022.

Who can I contact if I have questions?

We are here to help.

• Phone: Call us during business hours at 505.293.0500 or 800.947.5328 (toll-free).
• Chat: Send us a message using the chat function on gosunward.org. Once you are enrolled in Sunward’s online banking system, you can send us a secure message or live chat about your accounts.
• Visit: Stop by any Sunward branch to discuss your needs. Visit gosunward.org/locations for information.

Did any downtime occur?

Yes – downtime occurred on Friday, July 1, 2022 while Animas accounts were moved into Sunward’s system. The Animas online banking system went permanently offline on June 30, 2022 at 4:00 p.m. MT.

What do I need to know about debit cards, credit cards, and direct deposits?

Debit cards: Your new Sunward debit card (mailed in mid-June) can be activated and used now. To activate it, call the number provided with the new card. If you do not receive your new debit card, please contact us. Your old Animas debit card can no longer be used.

Credit cards: Animas credit cards will continue to work until they are replaced with a Sunward credit card in August 2022. Information about this change was mailed to card-holding members.

Direct deposits: Direct deposits (such as paychecks and Social Security checks) and other electronic payments will continue to operate as scheduled with no action required on your part.

When did my ACH automatic deposits and payments scheduled for July 1 post in the Sunward system?

Automatic deposits and payments scheduled to post on Friday, July 1 were posted in Sunward’s transactional system on Saturday, July 2. Automatic deposits and payments scheduled to post on or before Thursday, June 30 were posted normally.

Did my account and financial information stay secure during the core conversion process?

Yes. Keeping your information secure and private is our top priority. The system consolidation process did not compromise the safety of your accounts, funds, or information.

Will I receive information about Sunward’s fee schedules, member agreements, etc.? How and when?

Yes. A packet containing this information was mailed to Animas members in late May.

Will my account numbers change? If so, when? How will I receive my new account number(s)?

Yes. Your accounts use a new Sunward membership and primary account number. Members were mailed a letter containing their new numbers in early June. If you did not receive this mailing, please let us know.

Your new number is the same as your Animas number, with an added prefix of “22” and zeroes as needed to reach a total of 10 digits. For example, if your Animas number is 123456, your new Sunward number will be 2200123456.

Your full Sunward membership and primary account number, including the leading "22" and zeroes, are required to enroll in Sunward online and mobile banking.

Please note that your Sunward membership and primary account number is not the number that should be used when setting up new direct deposits or automatic payments. For automatic deposits and withdrawals, your Sunward account will be assigned a “direct deposit and automatic withdrawal number” that must be used in combination with the Sunward routing number (307083911). This number can be found by logging into Sunward online banking, selecting Accounts, selecting the desired checking account, and viewing the Account Details. If you order new Sunward checks, the number on the bottom of your checks will match the "direct deposit and automatic withdrawal number" that displays in Sunward online banking.

I currently have both Animas and Sunward accounts. What will change for me?

All of your accounts are now stored in Sunward’s transactional system. Once you have enrolled in Sunward’s online banking system (on 7/2 or later), you will see all of your accounts there.

How are jointly held business accounts handled by Sunward?

Both primary and joint owners have the ability to transact on their jointly owned accounts. Sunward’s online and mobile banking takes a “person-centric” view of accounts. This means primary and joint owners can each view and transact upon their shared accounts using their own individual logins. Only primary account owners can view monthly account statements in Sunward online banking. Sunward makes a distinction between Joint Owners and Authorized Signers with respect to online banking access. Please contact Sunward at 505.293.0500 for more information.

If you wish to review the ownership structure of an account (for which you are the primary owner) and potentially open an alternative account, please contact us.

How will my monthly statements change?

Sunward statements are sent by mail at the beginning of each month. Members who have enrolled in eStatements and eNotices will be sent an email notification that their statement is ready to view securely in online banking. Generally, eStatements are available a few days before printed statements are mailed.

Credit card, CreditLines, Home Equity CreditLines, business loan, and mortgage statements are sent separately.

Will there be a delay in receiving my June or July statements?

No. June month-end statements were mailed in early July. Going forward, you will receive monthly statements from Sunward.

Will I be able to view my previous statements in Sunward’s online banking system?

Yes. Statement history for May 2020 onward is available in Sunward’s online banking system. You can opt into eStatements and eNotices to stop paper mailings.

Will the two Farmington branches and/or Bloomfield branch close after consolidation?

No change to branch availability is planned at this time.

Can I transact on my accounts at a Sunward branch in the Albuquerque, NM or Livermore, CA areas?

You can transact on your accounts at any Sunward branch. Visit gosunward.org/locations for location details.

Can I still use the ATMs at the Farmington and Bloomfield branches without a fee?

Yes. These ATMs are part of the nationwide CO-OP and CU Anytime ATM networks, which Sunward members can use surcharge-free. The networks include 30,000-plus surcharge-free ATMs, including ATMs located in retail establishments such as 7-Eleven and Costco. Many of these ATMs also accept deposits. Visit gosunward.org/locations for information.

Can I make deposits at an ATM?

Cash or check deposits can be made at ATMs that accept them. Note that ATMs at our Farmington and Bloomfield branches cannot accept deposits at this time. Use our locator to find ATMs near you that accept deposits.

If you’ve enrolled in Sunward’s online and mobile banking system , you can deposit checks remotely by uploading a photo or scanned image of the check.

Is remote deposit capture available?

Yes. This is a popular feature of Sunward’s online banking system and mobile banking app. Learn about Mobile Deposit.

Is shared branching available?

Shared branching is not available for business accounts.

What will change with my safe deposit box?

Annual safe deposit box rental fee amounts are changing as shown here:

Box Size	3x5	5x5	3x10	5x10	10x10
Old Annual Fee	$20	$30	$40	$50	$60
New Annual Fee	$19	$26	$31	$43	$75

Sunward assesses annual rental fees for safe deposit boxes on January 1 of each year. Here’s how we will facilitate aligning your next full annual rental fee so that it will be due and assessed on January 1, 2023:

• If you have a safe deposit box with an anniversary date occurring between January 1 and June 30: Fees assessed for these anniversary dates in 2022 will have been due and should have been paid in advance of the system consolidation at the end of June. Assuming you are a box renter in good standing, Sunward will issue you a prorated refund for the portion of the annual fee already paid for days in 2023 (so you will have effectively only paid through 2022), and your next annual safe deposit box rental fee will be due and assessed from your par share savings account on January 1, 2023.
• If you have a safe deposit box with an anniversary date occurring between July 1 and December 1: At your anniversary date, you will be assessed a prorated fee for the remainder of the 2022 calendar year at the new rate indicated above. After that, your next annual safe deposit box rental fee will be due and assessed from your par share savings account on January 1, 2023.

Are wire transfers available?

Yes. Wire transfers can be fulfilled on business days (Monday to Friday) only. Learn more about our wire transfer services.

Can I still use the Animas online banking system?

No. The Animas online banking system was taken permanently offline on Thursday, June 30, 2022. You can enroll in Sunward’s online banking system in order to view and transact on your accounts as of Saturday, July 2.

How do I enroll in Sunward's business online banking system?

Get started here. You will need your new Sunward membership account number to get started.

Who do I contact if I need help with enrolling?

For assistance during business hours, call 505.293.0500 or 800.947.5328, or contact us via the live chat function on gosunward.org.

How are jointly held accounts handled by Sunward?

Both primary and joint owners have the ability to transact on their jointly owned accounts. Sunward’s online and mobile banking takes a “person-centric” view of accounts. This means primary and joint owners can each view and transact upon their shared accounts using their own individual logins. However, only primary account owners can view monthly account statements in Sunward online banking. Please note: Sunward makes a distinction between Joint Owners and Authorized Signers with respect to online banking access. Please contact Sunward at 505.293.0500 for more information or to learn how to add an authorized user.

If you wish to consider changing the ownership structure of an account (for which you are the primary owner), please visit a Farmington-area branch or call us.

I’ve heard Sunward’s online banking system uses person-centric views. What does that mean?

This means that all of your Sunward accounts, including those that are jointly owned, can be accessed under your individual login in online or mobile banking. After logging in, you will see jointly owned accounts alongside your primary accounts on your account dashboard.

Both primary and joint owners have the ability to transact on their jointly owned accounts. Sunward’s online and mobile banking takes a “person-centric” view of accounts. This means primary and joint owners can each view and transact upon their shared accounts using their own individual logins. However, only primary account owners can view monthly account statements in Sunward online banking. Please note: Sunward makes a distinction between Joint Owners and Authorized Signers with respect to online banking access. Please contact Sunward at 505.293.0500 for more information or to learn how to add an authorized user.

If you wish to consider changing the ownership structure of an account (for which you are the primary owner), please visit a Farmington-area branch or call us.

How can I set up card controls for my new Sunward debit and credit cards?

You may set up card controls for your new Sunward credit card and/or debit card in Sunward online or mobile banking using the Card Controls widget. Learn more at gosunward.org/card-controls. Controls that were set up for your Animas credit card will continue to work until the card is replaced with a Sunward card in mid-August 2022.

Will I need to enroll my Sunward debit or credit cards in mobile/digital wallets such as Apple Pay^®, Google Pay^®, and Samsung Pay^®?

Yes. Your new Sunward cards have different numbers than your Animas cards. Learn more about mobile wallets at gosunward.org/mobile-wallets. Sunward’s cards support all major mobile wallets.

I used the Bill Pay function in Animas online banking. Will I need to re-establish these payments in Sunward online banking?

Yes. If you paid bills in Animas online banking, you will need to set them up in Sunward’s online banking system. Prior arrangements made in the Animas Bill Pay system were not converted. Learn about paying bills in Sunward online banking: gosunward.org/pay-bills

To get started, click on “Transfer & Pay Bills” in Sunward online banking.

Do I need to re-establish my recurring transfers in Sunward online banking?

Yes. If you had recurring transfers set up in Animas online banking, you will need to set them up in Sunward’s online banking system. To get started, click on “Transfer & Pay Bills” in Sunward online banking.

How do I enroll in Sunward's mobile banking app?

First, enroll in Sunward’s online banking system. You can view step-by-step information here. Once you have done so, you can set up the Sunward mobile banking app on a iPhone^® or Android^™ smartphone or tablet. Go to gosunward.org/mobile-app for links and more information.

I am already using Sunward online and/or mobile banking. Do I need to re-enroll, post-consolidation?

No. If you already have access to Sunward online or mobile banking (for example, due to opening a Sunward loan after July 2021), you do not need to re-enroll. Your Animas accounts, including any for which you are a joint owner, now appear in Sunward online banking.

Does Sunward offer automated phone banking? How and when can I access it, if so?

Yes. You can enroll in Sunward automated phone banking now. To do so, contact us during business hours at 505.293.0500 or toll-free at 800.947.5328. Learn more about automated phone banking at gosunward.org/on-the-phone. Self-enrollment is not available.

Do Sunward’s online, mobile, and/or phone systems offer support for non-English speakers?

Currently, our online, mobile, and phone banking systems are offered in English only. Our Contact Center includes multi-lingual employees. We will make every effort to accommodate members who do not speak English.

Will my Animas debit card continue to work after system consolidation, or will I get a new Sunward debit card?

Your Animas debit card stopped working after June 30, 2022. Please cut it up and dispose of it for extra security. New Sunward debit cards, mailed in mid-June, can now be activated and used.

How do I activate my new Sunward debit card? Do I need to choose a PIN?

Call the number on the sticker affixed to your new Sunward debit card to begin the activation process. For quick and easy activation, make the call from the primary phone number on record for your Animas accounts. If you activate your card from a different phone, a representative will verify your identity.

If you are having trouble trying to activate your new Sunward debit card using the phone number on the activation sticker, please call 800.466.0040 to proceed.

You can choose a 4-digit personal identification number (PIN) for your new debit card when you call to activate your card, or use the PIN that was sent to you in a separate mailing. If you set your PIN when activating your card on the phone, disregard the PIN in the mailer you received. Remember: Never carry your PIN with your card or share it with another person.

After activating your new card, if any charges were being automatically billed to your Animas debit card, please notify those companies of your new Sunward debit card number. To do so, call each billing company’s customer service number or visit their websites to update your card information.

What if I don't get my new debit card in the mail?

If you have not received your new Sunward debit card, please contact Sunward at 505.293.0500 or toll-free at 800.947.5328, or stop by a branch.

Will I need to get new Sunward checks, or can I still use my Animas checks?

You may continue to use your current checks after system consolidation. You do not need to order checks with the new routing number until you are running low on your current checks. Order new checks in Sunward online banking, by calling us, or by visiting any Sunward branch. IMPORTANT: You must use Sunward’s routing number in combination with your Sunward automatic withdrawal and direct deposit number when ordering new checks.

How do I order more checks for my business account(s)?

You may continue to use your current checks after system consolidation. You do not need to order checks with the new routing number until you are running low on your current checks. Order new checks in Sunward online banking, by calling us, or by visiting any Sunward branch. IMPORTANT: You must use Sunward’s routing number in combination with your Sunward account number when ordering new checks.

How are Sunward checks different from Animas checks?

Sunward members may opt to use a substitute number on checks rather than their account number. The alternate number is issued upon request and may be used for automatic withdrawals and direct deposits. This approach hides the true account number in the event a checkbook is lost. The routing number on Sunward checks is different than the routing number on Animas checks.

Can business members still get up to 500 transactions per month with no monthly service fee or minimum balance requirement?

Your Animas business checking account funds will move to a Sunward Access Business checking account, which offers unlimited Online BillPayer transactions. We also offer Basic Business and Active Business checking account types. Visit gosunward.org/business-checking for more information, and contact us if you want to make a change.

Are there any changes to my sweep account (from which funds can be transferred to business checking from a revolving line of credit)?

Business members with a sweep from a revolving line of credit will still have access to the line.

Do business checking accounts have Courtesy Pay?

Yes. Sunward’s Courtesy Pay Program is available to business checking accounts and provides for the discretionary clearing/processing of member transactions presented against insufficient balances in eligible checking accounts up to an assigned limit. Courtesy Pay is distinct from overdraft transfer services in which members can elect to have funds transferred from other accounts and lines of credit to cover transactions presented against insufficient checking account balances. In addition, Courtesy Pay Plus covers non-recurring, one-time debit card purchases for members who opt-in and sign the Courtesy Pay disclosure.

Members who prefer to have items presented against insufficient funds returned instead of paid may opt-out of the Courtesy Pay program; however, the applicable insufficient funds fees will still be assessed.

Will my paycheck or other direct deposit be accepted between June 30, 2022 at close of business (5:45 p.m. MT) and July 2, 2022?

Electronic deposits that were set up for your Animas account will continue to work after system consolidation with no action required on your part. Delays are not expected.

Will I need to alert my employees of any changes to direct deposits my business sends to them?

No. You do not need to alert them to any changes.

Are there changes to how payments from my accounts are handled?

Requests for payments that originate from other organizations (such as for utilities, home owner association dues, insurance premiums, etc.), also called ACH payments, will continue to be made as scheduled without any action on your part.

To set up a new automatic payment on or after July 2, please use Sunward’s routing number (307083911) and your new Sunward automatic withdrawal and direct deposit number, which can be found by logging into Sunward online banking, selecting Accounts, selecting the desired checking account, and viewing Account Details.

Automatic payments that you previously set up/scheduled in the Animas Bill Pay system will not be converted. Learn about paying bills in Sunward online banking: gosunward.org/pay-bills

When will my bill payments (ACH withdrawals) scheduled for July 1 post in the Sunward system?

Bill payments scheduled for Friday, July 1 are expected to post in Sunward’s transactional system on Saturday, July 2.

Will I need to re-establish my recurring transfers in Sunward online banking?

Yes. If you have recurring transfers set up in Animas online banking, you will need to set them up in Sunward’s online banking system. To get started, click on “Transfer & Pay Bills” in Sunward online banking.

Will my transaction history be preserved in the Sunward system?

Yes. Past transactions, including payments by debit card and ACH transactions, will be listed in your transaction history in Sunward’s online banking system. Limited information will display for transactions that occurred prior to July 1, 2022. More details can be viewed on your monthly account statement. To access your statement history in online or mobile banking, log in and select More > eDocuments, then select the month you wish to view.

Are wire transfer services available?

Yes. Wire transfers can be fulfilled on business days (Monday to Friday) only. Learn more about our wire transfer services.

How can I view and make payments on my loan(s) after system consolidation?

You can view and transact on your loans within Sunward business online and mobile banking.

You can also visit any Sunward branch to make a payment, or mail your payment to:

Sunward
Attn: Business Services
PO Box 23040
Albuquerque NM 87192-1040

How long can I keep using my Animas-issued Visa^® credit card? When will I get a new Sunward Visa credit card?

Your current Animas Visa Classic or Visa Platinum credit card will continue to work through Saturday, August 20, 2022. Current Animas credit card holders will be mailed their new Sunward credit cards in mid-August, 2022, and can activate and start using them as of Sunday, August 21, 2022.

Will I receive a new credit card account number or will my 16-digit number remain the same?

Your Sunward credit card will have a new number. It will be important to update places where you have saved card information, such as bill pay services and merchants (for example, online subscriptions), with your new number.

Will I need to apply for a new Sunward Visa card?

No. If you have an Animas-issued Visa credit card, you will automatically be transitioned to a Visa Platinum^® Value or Visa Signature^® credit card. There is no need for you to re-apply.

If you do not currently have an Animas Visa credit card and would like a Sunward card, you can learn more and apply at gosunward.org/credit-cards.

What if I do not receive a new Sunward credit card in the mail?

If you have not received your new Sunward credit card by August 19, please contact Sunward at 505.293.0500 or toll-free at 800.947.5328 or stop by a branch.

Who should I contact if my Animas credit card is lost or stolen before I get my new Sunward card?

Call 800.325.3678 to report loss or theft of your Animas credit card.

What number should I call if I have questions about my Animas credit card?

You can continue to call the number printed on the back of the Animas credit card. Once your new Sunward credit card is issued, you can call the number on the back of that card.

What will happen to my bonus/reward points on Animas-issued credit cards?

Points on purchases made with Animas-issued Visa credit cards stopped accruing as of April 30, 2022, in preparation for the retirement of the ScoreCard Rewards Program on June 30, 2022. After June 30, 2022, you will no longer be able to redeem points. More information has been mailed to cardholding members. Sunward’s Visa credit cards offer monthly cash-back rebate options.

Why is the ScoreCard Rewards Program going away?

Sunward’s Visa Signature and Visa Platinum Rebate credit cards offer monthly cash-back rebates instead of a rewards program with a catalog of pre-selected prizes. This offers our members the freedom to use their rebates however they would like. Learn more about Sunward’s credit cards: gosunward.org/credit-cards.

How can I make payments on my Animas credit card and view my card balance, activity, and past statements?

Until the conversion to Sunward credit cards in mid-August, you can continue to access and make payments on your current Animas credit card account(s) in person at a branch or online via the eZCard website, which can be accessed here. The eZCard link is also found on the gosunward.org website – click the arrow next to Online Banking on the home page and choose “Animas Member Visa Credit Card Login” from the drop-down menu.

The last day to make payments via the eZCard site is August 15, 2022, and the site will close on August 19, 2022.

Are Sunward credit cards contactless/tap to pay?

Yes.

Can I request a credit limit increase on my new Sunward credit card?

Yes. Members can initiate such a request within our online credit card application, by calling Sunward at 505.293.0500, or by visiting any branch.

What kinds of benefits or perks do Sunward credit cards offer?

Visit gosunward.org/credit-cards to learn about the many benefits offered by Sunward’s Visa credit cards.

Will merchant services continue to work during the system downtime on July 1?

Yes. Merchant Services will continue to work during the downtime Automatic deposits scheduled to post on Friday, July 1 are expected to post in Sunward’s transactional system on Saturday, July 2. Automatic deposits and payments scheduled to post on or before Thursday, June 30 will be posted normally.

Are there any changes to merchant services on my business account(s) after consolidation?

No. Business members may continue to use their same third-party processor for credit cards.