We’re excited to welcome you and your business to the Colony Bank family.
TC Federal Bank will fully transition to Colony Bank on February 17, 2026.
This marks an exciting next chapter and gives your business access to Colony Bank’s full suite of commercial banking, treasury, and digital solutions, along with the same relationship-focused service and local involvement you’ve come to expect.
Our Business and Treasury teams have been working closely to ensure a smooth transition while keeping your business operations moving. This page highlights what business customers need to know during the transition along with steps you can take to avoid disruption.
What to expect on Tuesday, February 17
When we reopen on February 17, you’ll officially be a Colony Bank customer. At that time, you’ll be able to:
- Log in to Colony Bank Online & Mobile Banking
- First-time login note: Use your current Business Online User ID. For your password, enter the temporary password: ColonyBank01
- Please note:
- Business Company ID will no longer be needed
- Business and personal banking are now available in one app. No need to download separate apps
- Activate your new Colony Bank debit card(s)
- Access Colony Bank banking centers and ATMs across our footprint
Additional Online & Mobile Banking Information for Business Customers
User Administration:
- All Online and Mobile Banking business profiles will now have a Company Administrator assigned. This individual will perform the below functions –
- Add / modify / disable users
- Password Reset requests
- Assign Account and Payment permissions
- Please review all user settings and permissions
One Platform:
- Business and personal banking are now available in one app. Mobile Banking now mirrors our web browser experience, allowing you to perform the same actions on both platforms, including:
- Snapshot: View account balances without logging in
- Submit and approve ACH and Wire transactions
- Access Positive Pay and ACH Positive Pay
- Enable Digital ID for secure account verification
- Chat with Colony agents
Business Bill Pay:
- Recurring payments will automatically resume for any scheduled dates after go-live.
- Bill Pay will be temporarily unavailable as of Thursday, February 12th and will be restored on February 17th.
- All payees will be converted.
Helpful Resources for Business and Treasury Customers
Treasury Solutions Customers
Below you’ll find service-specific information for each Treasury Solutions product, including important cutoff times and any actions you may need to take. Simply expand the section that applies to your business (ACH, Wires, Positive Pay, Remote Deposit Capture, etc.) to view detailed guidance.
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- All payment templates and payee information will be converted
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- Recurring payments will need to be rescheduled
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- ACH transactions can be scheduled out up to 15 business days in advance
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- Cut off time changing to 5:30
- Payee information from current Wire templates will be converted; templates will not convert
- Wires can be scheduled out up to 15 business days in advance
- Wire customers will no longer use a Wire Pin for online wires
- Cut off time will change to 5:30
- A new Remote Deposit driver package must be installed on each device beginning February 17.
- A download wizard will prompt installation the first time each computer accesses the new system.
- Customers using Panini or Canon scanners will receive new scanners prior to transition at no cost. You should have received these around February 12th.
- Please don’t use the new scanner until you have successfully logged into Colony Digital Banking.
- Positive Pay & ACH Positive Pay decision cutoff will remain 3pm EST
- Please review your file imports, user settings, and contact information
- Reminder: Subscribe to text message alerts for exceptions
- Positive Pay Files – Reach out to us to set up your file formatting and upload your outstanding items.
Frequently Asked Questions
No! Now you’ll be able to access all of your business and personal accounts within one app and platform. You can even link any accounts that you might have with another financial institution within your new Colony Bank Online and Mobile Banking account.
No. The Company ID will go away in the new system. You’ll log in using your current Business Online/Mobile Banking username instead.
When you log in to your new Colony Bank Online or Mobile Banking for the very first time, please use your current TC Federal username and the temporary password: ColonyBank01
After this initial login, you’ll be prompted to create a new password. You’ll also need to confirm your phone number and email for multi-factor authentication (MFA). This is a normal part of moving to a new system, and it helps protect your business.
Please see the cutoff times below for Banking Solutions (formerly Treasury Services):
- The ACH cutoff time will change to 5:30 PM ET.
- The wire cutoff time will change to 5:30 PM ET.
- The Check Positive Pay & ACH Positive Pay decision cutoff will remain 3:00 PM ET.
No, Business Bill Pay users will not have to re-enroll! However, you will be prompted to accept the new Terms and Conditions when you first access the platform.
Recurring ACH payments will need to be re-scheduled after conversion. This is common with system transitions and helps ensure everything runs accurately in the new platform.
Yes. If you place wires by phone, you’ll continue to use your current wire PIN just as you do today.
Yes. A new driver installation will be required on each device that uses a check scanner. The first time you access RDC after conversion, you’ll be prompted with a download wizard.
After you log in on February 17, please review:
- User settings and permissions
- Contact info (for alerts and approvals)
- File imports and upload formats
- And if you use exception alerts, we recommend subscribing to text alerts.
