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Radiant and First Coast Merger

Account Number Changes

Welcome to Radiant Credit Union

We’re excited to welcome First Coast Community Credit Union members to the Radiant Credit Union family. As part of bringing our systems together, your accounts will transition to Radiant Credit Union on June 1, 2026.

This page is your go-to resource to help you prepare, understand what’s changing, and know exactly what to expect – every step of the way.

What You Should Do Now

To ensure a smooth transition, we recommend taking a few simple steps:

Confirm Your Contact Information

Make sure your mailing address, email, and phone number are current.

Review and Save Your Bill Pay Information

Your current payees and payment history will not transfer.

Download or write down your payee details before May 22 using our Payee Tracking Form

Plan Ahead for Payments

Schedule or complete any important payments before May 22, or plan to use branch support during the transition period.

Watch for Your New Debit Card

Your Radiant debit card will arrive in late May – keep it safe and ready to activate on June 1.

What's Changing

  • Account Changes

  • Radiant is issuing new account numbers for all First Coast members.
  • New account numbers will arrive in the mail in mid-May.
  • After June 1, update your direct deposit and other payment information with your employer or service providers.

  • Debit & ATM Cards

  • New Radiant debit cards will arrive in late May

  • Do not activate until June 1, 2026

  • First Coast cards will stop working on June 1

  • Online & Mobile Banking

  • First Coast online banking and mobile app access ends after May 29

  • Radiant eBanking will be available starting June 1
  • You will need to enroll as a new user (Register here on June 1) 

  • Bill Pay

  • First Coast Bill Pay (FirstPAY) payees will not transfer

  • You will need to re-enter payees in Radiant eBanking after June 1

  • Consider saving your payee information now (Payee Tracking Form)

  • Loan Payments

  • Online loan payments will not be processed after May 22

  • Radiant QuickPay will be available for your use after June 1

  • During the transition, payments can be made by contacting your branch

  • Statements

  • Printed statements will continue as usual

  • Up to 24 months of eStatements will be available in Radiant’s eBanking system

  • You may download older statements from First Coast before May 29

  • Fees & Account Benefits

  • Several fees will be reduced or eliminated

  • Prestige accounts will transition to Radiant Prime Time Club accounts with added benefits

  • Fee Schedule

  • Fee changes will take place as your account moves to Radiant. View a chart of the differences you can expect to see.

  • Checking Accounts

  • All First Coast checking accounts will become Radiant non-interest-earning checking accounts.
  • To get an interest earning checking account with Radiant, contact us after June 1. 

Account Number Changes

Your Old First Coast Account Number

Direct deposits: Any direct deposits you have already set up (such as your paycheck) will continue to process normally. No action is needed on your part.
 
After June 1, we recommend that you update your direct deposit information with your new Radiant account details, so your payors (e.g. your employer) have the most up to date information for sending your deposits.
 
External transfers: If you had set up an external transfer or Bill Pay service through another financial institution’s online banking system to send money to your FCCCU account, this will continue without interruption.

Your New Radiant Account Number

For transactions that will be newly established after June 1, 2026, such as:

  • New Direct Deposits
  • New Automatic Payments
  • New Wire Transfers
  • New Check Orders

You must use these numbers:

  • New Radiant 13-Digit MICR Account Number: This is your unique number for your Savings or Checking Account. It can be found in Radiant eBanking, by visiting a branch, or by calling our Contact Center.

  • Radiant Routing Number: 263178452

eBanking Quick Start Videos

Digital Banking Overview

Digital Banking Overview

An overview of the powerful banking capabilities available in Radiant's digital banking platform.

Watch to Learn
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eBanking Registration

Set up Your Digital Banking with Radiant Credit Union.

Watch to Learn
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eStatements Registration

Go Paperless with eStatements from Radiant – here's how.

Watch to Learn

What's Staying the Same

  • Your accounts remain safe and federally insured by the NCUA up to $250,000

  • You can continue visiting your local branches

  • You now have access to additional Radiant ATMs with no withdrawal fees

Need Help During the Transition?

We’re here for you.

During the transition period:

  • Branch teams are available to assist with payments and questions
  • Our team is ready to help you get set up with Radiant services starting June 1

Be Ready for June 1

Take a few minutes today to prepare so your transition is smooth and stress-free.

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Download Payee Tracking Form

High Priority Items for June 1, 2026

For our new members from First Coast Community Credit Union, here are the account-related items you can begin updating as of June 1, 2026. 

Debit Card Activation

You should have already received your new Radiant Debit Card, and with it now in your possession, you can activate your card by calling (866) 209-7190.

Access and Set Up eBanking

Now that you’re able to use Radiant’s eBanking, you can go to the Radiant homepage, click Login, then click Register to enter your account information. Click here to see our eBanking videos to understand the platform and registration.

Update Your Payments

Online Loan Payment Portal payments, online banking payments and transfers as well as FirstPay bill payments did not carry over with the conversion. You will need to set up these payments again within Radiant eBanking after you register.

Update Your Account and Routing Number

It is recommended that after June 1, when you can do so, that you update your direct deposit and other payment information with your employer and/or any service providers with the Radiant routing number (263178452) and new 13-digit MICR account number to ensure continued accuracy.

Verify Direct Deposits

Every effort was made to ensure payroll deposits and payroll distributions were converted properly. While there was no action required on your part for this transition, we recommend that you verify your payroll deposit and/or payroll distribution to ensure all is working correctly.

Enroll in eStatements

We encourage you to enroll in Radiant eStatements to ensure faster delivery of your monthly account statements. For details on registering for eStatements, you can view this helpful video.

 

Conversion Weekend Timeline

Now

  • Continue using First Coast services as usual
  • Confirm your contact information is up to date
  • Begin preparing for upcoming changes (see checklist below)

May 23, 2026

  • Scheduled FCCCU payments and transfers through the following systems will not process during this transition period:
    • Mobile and Online Banking
    • FirstPAY Bill Pay
    • Online Loan Payment portal
  • Call or visit your nearby FCCCU branch for assistance or to make these payments.

May 29, 2026

  • FCCCU Digital Services will no longer be available after 5:00pm on May 29, 2026.
  • FCCCU branches will close early at 1:00pm.

May 30, 2026

  • All FCCCU and Radiant branches will be closed. Contact Center Closed.

June 1, 2026

  • All branches open and fully operational
  • Activate and begin using your new Radiant debit and ATM card
  • Enroll in Radiant eBanking and mobile app
  • Schedule and make payments, transfers, and bill pay in Radiant eBanking and mobile app

Merger FAQs

General Transition

Debit Cards - (↑ Top)

Online & Mobile Banking - (↑ Top)

Bill Pay - (↑ Top)

Payments & Transfers - (↑ Top)

Statements - (↑ Top)

Fees & Accounts - (↑ Top)

Insurance & Security - (↑ Top)

Support - (↑ Top)

Our Members are Talking

“I am very impressed with the quick response that I have received from Radiant Credit Union. You just can’t find that type of customer service anymore. I look forward to doing business with them.”

Josie R.
five stars

“I love Radiant Credit Union. I've never been in and had a bad experience. Great place to do business.”

Dewayne
five stars

“Everyone I dealt with was so professional and the customer service was outstanding. Been doing business with Radiant for years and will continue taking my business there for years to come. Thank you!”

Robert L.
five stars
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