Capitol Federal’s Digital Transformation is a system enhancement which brings up-to-date technology, improved security, enhanced services and a more True Blue® banking experience for all customers. Upgrading to our new Core will provide CapFed® with a stronger, more efficient Core system, giving the Bank the ability to integrate and offer new services to you like never before.  You will mainly notice cosmetic changes to True Blue Online® and True Blue Online® Business, along with some new and exciting products and services.

Will my branch experience change?

After August 7, Capitol Federal will begin to implement a new transaction procedure where we will ask customers for a drivers license or other government-issued ID to save and have on file. This will ensure your accounts remain secure and we are able to transact quickly and efficiently each time you visit.

Our "Digital Transformation" is the name of our Core Conversion project. This project is not related to digital currencies, cryptocurrencies, ESG or government regulations. This project is simply a core software and hardware update that manages our banking functions. 

Our employees and our branches will be there for you, your business, and your community, using the True Blue® banking methods for which we are known.  In-person deposits and withdrawals of cash will continue uninterrupted.

Please visit capfed.com/dt for more information and learn about our system upgrade.

How can I be sure my account information will be correctly transferred?

Capitol Federal® has been working within a test environment of our new system for several months to help ensure customer data has been verified, balanced, tested and reviewed to confirm accuracy.

Will my bank account numbers change?  Will my True Blue® Visa® Debit Card change?  Will I need to order new checks?

For most customers, your checking, saving, money market and CD account numbers will all remain the same.  Your True Blue® Visa® Debit Card will remain the same and continue to be active before, during and after Conversion Weekend.  Your check information will remain the same.

In rare instances, we will contact any customers who will require an account number change via a letter ahead of Conversion Weekend.  We will also be contacting a few customers to update their True Blue Online® User ID.

I am a Quicken User, what do I need to do?

The online banking upgrade will be required that you make changes to your Quickbooks or Quicken software, so please take the following steps to ensure a smooth transition. Conversion instructions are available below. The conversion instructions reference two Action Dates. Please use the dates provided Below:

1st Activation Date: TBD

A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download before this date since transaction history might not be available after the upgrade. 

2nd Action Date: August 7, 2023

This is the action date for the remaining steps on the conversion instructions. You will complete the deactivation/reactivation of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.

Conversion Instructions

Quicken - click HERE

QuickBooks Desktop - click HERE

QuickBooks Online - click HERE

Mint - click HERE

Intuit aggregation services may be interrupted for up to 3-5 business days. Users are encouraged to download a QFX/QBO file during the outage. The following devices may not work during the outage:

• Quicken Win/Mac Express Web Connect
• QuickBooks Online Express Web Connect
• Mint

Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.

True Blue Online FAQs

What should I do now to prepare for the Digital Transformation?

This process will be seamless for CapFed® customers as most of the work will take place behind the scenes.   However, there are a few simple tasks you should complete ahead of Conversion Weekend to make the Digital Transformation a success.

• Check and Update Your Customer Contact Information:

It is important we have your correct phone number and email address on file.  Please take a moment to check and update your personal contact information by logging in to True Blue Online® or visiting your local CapFed® branch.

Click here to watch a How-To Update Your Contact Information video. https://www.youtube.com/watch?v=7TqHPxxWAlg

As always, keeping your personal information safe and secure is our top priority at Capitol Federal®. For your security, we cannot update your contact information via a telephone call to our Call Center. 

• Log In to True Blue Online®:

Capitol Federal® encourages all True Blue Online® or Bill Pay users to log in to TBO, at least once, before August 5, 2023.  This will help ensure a successful conversion.  If you need assistance logging in to TBO, please call our Customer Service Center at 1-888-8CAPFED (1-888-822-7333).

Business Banking FAQs

The True Blue Online® Business experience will be all new with many changes and additional functionalities. 

Please check and update your business contact information in True Blue Online® Business by simply clicking the Administration button at the top, then Self Administration and finally select the Personal Preferences tab. 

• Review that your Primary Email Address is correct. Only the Primary Email Address will transfer to the new system. Click the Edit icon to make changes if needed.

• Review that your Work and/or Mobile Telephone numbers are correct. These are the only Telephone number fields that will transfer to the new system. If you need to make changes, send a secure message by clicking on the Administration button at the top, then Communications and finally select the Contact Us tab. Complete the necessary information and request the change in the Message section. Click Send.

For your security, we cannot update your contact information via a telephone call to our Call Center. Business Banking assistance is available Monday through Friday from 8:00 a.m. to 5:00 p.m. by calling direct at 1-888-510-7333. More information about Business Banking updates will be posted this summer.

Your Commercial Loan information will seamlessly convert to the new system with no interruptions expected. All CapFed Commercial Loan customers will receive two Commercial Loan statements in August. One statement will be sent at the beginning of the month, and another one will be sent mid-month, after the Digital Transformation. Then, statements will return to normal in September. For additional questions, please reach out to your Commercial Lender.

More information will be added to this page frequently. Please check back often for the latest Digital Transformation news. 

Mortgage Customers faqs

No. Your mortgage, and other consumer loan information will seamlessly convert to the new system with no interruptions expected.  All CapFed mortgage and consumer loan customers will receive 2 statements in August. One statement will be sent at the beginning of the month, and another one will be sent mid-month, after the Digital Transformation.  Then, statements will return to normal in September. 

More information about mortgage and consumer loan updates will be posted this summer.

Any customer with an Escrow Account included with their mortgage will receive a short-end escrow analysis in August.  This escrow analysis will show account history only and will not include payment changes.  Escrow Analysis will continue to be run during customers regularly scheduled cycle.

If you previously paid your mortgage through True Blue Online® banking, by mail or by branch, you will not have any changes to the way you pay your monthly payment.  You will still be able to do one-time or recurring payments through TBO, by mail or by branch.

If you currently use iNet Biller to make your payments online you will need to change to a new payment method. On August 7th, Capitol Federal’s newly enhanced online banking platform will be available to process payments from any financial institution, and you may use this to pay your mortgage online. After August 7th, you will no longer be able to make mortgage payments using iNet Biller.

Your August 1st recurring mortgage payment will process as usual. However, after this payment you will need to enroll in True Blue Online® banking to establish a new recurring mortgage payment.

All mortgage customers will receive a monthly bill beginning with their September bill.

Coupons will only be available for customers that do not have escrow or supplemental insurance (debt protection, accidental death, etc.). This is due to the coupons in the new Core system being printed on the 1st of the month. Customers that have an upcoming escrow change, the coupon does not have the updated payment amount.