Cross Valley Federal Credit Union, a financial cooperative serving nearly 18,000 members across Northern Pennsylvania, has upgraded its digital banking platform through a collaboration with Mahalo Banking, a CUSO specializing in online and mobile banking solutions for credit unions. This implementation aims to modernize Cross Valley’s digital infrastructure, providing an enhanced user experience, improved functionality, and stronger security features.
Cross Valley selected Mahalo Banking’s Thoughtful Banking platform due to its flexibility, user-focused design, and alignment with the credit union’s member-centric approach. The platform’s deep core integration is designed to support a smoother, more connected experience across systems for both members and staff. This technology transformation reflects a broader trend among community financial institutions to replace legacy systems with adaptable platforms that support long-term growth, security, and member satisfaction.
“We are focused on giving members greater control over their financial lives, and Mahalo’s platform self-service capabilities help us bring that vision to life,” said Traci Donahue, President and CEO of Cross Valley. “It also reinforces our commitment to security, giving our members peace of mind through stronger protections and greater transparency in how their information is managed.”
Mahalo’s solution supports expanded self-service functionality, streamlined account management, and unified online and mobile banking, improving both usability and back-end efficiency. Members can now manage their accounts, cards, and loans from a centralized location, with the flexibility to execute internal or external transfers, apply for loans or memberships, and update personal details. Card management features are also more accessible, allowing members to lock or unlock cards, submit travel notices, request replacements, or apply for credit limit increases within the same digital environment.
Denny Howell, COO of Mahalo, commented, “Cross Valley’s forward-thinking approach to digital transformation shows how credit unions can embrace technology without compromising on trust. Their focus on elevating security and usability aligns perfectly with our mission of delivering a modern, intuitive platform that empowers members and strengthens the credit union’s digital foundation.”
Cross Valley Federal Credit Union, originally chartered in 1969 as the Wilkes-Barre Federal Employees Federal Credit Union, manages over $220 million in assets. Mahalo Banking, based in Troy, Mich., designs its platform with a focus on deep integration to core processing and is the first online banking solution to fully integrate comprehensive neurodiverse functionality.
