Together As One Credit Union
Key Dates, Transition Details, and Resources to Help You Prepare
For Current Point Breeze Members
This transition primarily affects former Central Credit Union of Maryland members as their accounts and services are fully integrated into the Point Breeze Credit Union banking system.
If you're already a Point Breeze member, you can expect little to no impact to your accounts or services. All Point Breeze offices will remain open and operating under normal business hours throughout the transition.
Please note that Digital Banking and AUDRE Telephone Banking may be temporarily unavailable for up to five hours beginning at approximately 10:00 PM on October 1, 2026, while system updates are completed.
As part of the integration, all Point Breeze members will gain access to additional locations. Beginning October 5, 2026, you may conduct transactions at the:
- Towson Office & ATM
- Perry Point Office & ATM
- Baltimore VA Hospital ATM
We appreciate your patience as we complete this final step in bringing our two credit unions together and expanding convenient access to services for all members.
For Former Central Credit Union Members
Welcome to Point Breeze Credit Union
On behalf of our Board of Directors, leadership team, and employees, thank you for your continued trust as Central Credit Union of Maryland and Point Breeze come together as one credit union family.
Since the merger was completed on April 1, 2026, our teams have been working carefully to prepare for the final account transition and make the move as smooth as possible for you.
From September 30 through October 2, 2026, your accounts and services will transition to Point Breeze Credit Union’s banking system. This final step will give you full access to Point Breeze products, services, office locations, and digital banking tools.
Bookmark this page and check back regularly for updates, details, and helpful resources. If you have any questions, email us at [email protected] or call 888.233.7228. We'll continue to keep you informed and supported every step of the way.
Thank you again for your trust and confidence. We are pleased to welcome you to Point Breeze and look forward to serving you for years to come.
As a Point Breeze Member, You'll Have Access To:
Expanded Products & Services
Greater Convenience
Personalized Service
Impacted Services & Dates To Remember
Continue to bank as usual through 3:00 pm, Wednesday, September 30, 2026, at Central Credit Union of Maryland branches. You may continue to use Central’s online and mobile banking, and telephone banking, through 3:00 pm, Wednesday, September 30, 2026.The chart below shows when each service will be available, so you can plan accordingly.
* Merger is expected to be completed on Friday, October 2; however, the exact time will be determined by the progress of merger tasks and validation.
** Loch Raven ATM will be unavailable during the merger. The time of availability will be determined by the progress of merger tasks and validation.
During the transition, members may use the Perry Point and Baltimore VA Hospital ATMs, any Point Breeze ATM, or any CO-OP Network ATM.
*** Any bill payments scheduled to process on or after October 1, 2026, will not be paid and must be recreated in Point Breeze’s Bill Pay after members enroll in digital banking.
What You Need To Know For A Smooth Transition of Your Accounts
Your Point Breeze account number will remain the same as your current Central Credit Union account number. If a change is needed, we will notify you separately before the transition.
If you had a Point Breeze account before the merger, you will have two Point Breeze accounts after the transition: your existing Point Breeze account and your converted Central account.
You do not need to re-enroll in digital banking. Once your Central account is converted, both accounts will appear under your current Point Breeze digital banking login.
Your Point Breeze checking account number, sometimes called a MICR or ACH account number, will remain the same as your current Central Credit Union checking account number. This means you can continue using your existing checks and do not need to order new ones as part of the transition. If a change to your checking account number is needed, we will notify you separately before the transition.
We will honor your current direct deposit, which will be routed to your new Point Breeze account after the transition. We recommend that you update your payroll provider with Point Breeze’s Routing Number and your Point Breeze account or MICR number(s).
After enrolling in Point Breeze digital banking, you’ll be able to securely switch or set up direct deposit in just a few steps right within digital banking using your payroll provider credentials.
252076565
Central’s online and mobile banking will be unavailable starting at 3:00 pm on Wednesday, September 30, 2026. You may access your accounts by enrolling in Point Breeze digital banking after the transition is completed on Friday, October 2, 2026.
To prepare for the transition, new enrollments in Central’s online and mobile banking will not be available beginning Wednesday, September 23, 2026.
How to Enroll in Point Breeze Digital Banking
To access digital banking, you will need to register as a new user.
On a desktop computer, on or after October 2, 2026:
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Visit PBCU.com
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Click Login near the top right corner of your screen
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Click Register
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Follow the prompts to create your account
On a mobile device, on or after October 2, 2026:
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Download the Point Breeze Credit Union app from the Apple App Store or Google Play Store
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Open app and select Register
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Follow the prompts to create your account
Central’s telephone banking will be unavailable starting at 3:00 pm on Wednesday, September 30, 2026. You may access your accounts by enrolling in AUDRE, Point Breeze’s telephone banking system, after the transition is completed on Friday, October 2, 2026.
To get started, call Point Breeze Credit Union at 410.584.7228 or toll free at 888.233.7228 and select 1 for AUDRE telephone banking and follow the prompts to enroll as a new user.
Check requests will not be available through telephone banking or digital banking after the transition. Please contact our Member Service Center at 410.584.7228 or toll free at 888.233.7228 or visit your local Point Breeze office if you need to request a check.
Access to Central’s Bill Pay will end at 3:00 p.m. on September 30, 2026. Payees, scheduled payments, payment history, and eBills will not transfer to Point Breeze's Bill Pay system.
IMPORTANT BILL PAY ACTION REQUIRED: If you have any payments scheduled on or after October 1, they will not process and will need to be recreated in Point Breeze Bill Pay after you enroll in digital banking. We recommend you check to make sure any payments due on or after October 1 are paid before October 1 or wait until after the transition to schedule those payments in your new Point Breeze Bill Pay.
We recommend downloading or printing your list of payees, payment history, and any other important Bill Pay information before September 30. Having this information available will make it easier to set up your payees and recurring payments in the new Point Breeze Bill Pay system.
You can continue making mobile check deposits through 12:00 p.m. (Noon) on September 30, 2026. Beginning October 2, 2026, you can download the Point Breeze Credit Union mobile app, register for Digital Banking, and enroll in Mobile Deposit to continue depositing checks remotely. Mobile Deposit will be unavailable during the system transition between September 30 and October 2.
You will receive your new Point Breeze Credit Union debit card in mid to late September. Please watch for it in the mail.
When your new card arrives, activate it right away, but continue using your Central debit card through September 30, 2026. Your new Point Breeze debit card can be used beginning October 1, 2026.
During activation, you will create a new Personal Identification Number (PIN). A PIN will not be mailed separately.
If you have recurring payments linked to your Central debit card, such as utilities, memberships, or streaming services, be sure to update them with your new Point Breeze debit card information before October 1.
Your Central MasterCard® credit card will be replaced with a new Point Breeze Visa® credit card. You will receive your new card in mid to late September. Please watch for it in the mail.
When your new card arrives, activate it right away, but continue using your Central MasterCard credit card through September 30, 2026. Your new Point Breeze Visa credit card can be used beginning October 1, 2026.
During activation, you will create a new Personal Identification Number (PIN). A PIN will not be mailed separately.
If you have recurring payments linked to your Central MasterCard credit card, such as streaming services, memberships, utility bills, or other automatic payments, be sure to update them with your new Point Breeze Visa credit card information before October 1.
Any remaining balance on your Central MasterCard credit card will transfer automatically to your new Point Breeze Visa credit card. No action is required on your part.
As part of the transition, your Central Credit Union Free Checking account will be converted to a Point Breeze Credit Union Free Checking PLUS+ account. Free Checking PLUS+ rewards everyday banking with up to 3.00% APY1 and up to $20 in monthly ATM fee refunds2, when you meet a few easy monthly qualifications.3
APY=Annual Percentage Yield. Fees may reduce earnings. Limit one account per member. Products subject to change.1If your account meets all monthly qualifications, you will earn 3.00% APY on balances up to $10,000.00 and 0.10% APY on balances of $10,000.01 and higher. If your account does not meet all monthly qualifications, you will earn 0.05% APY on the entire balance. Rates are subject to change without notice. Please refer to our Rate & Fee Schedule for additional information.
2We will refund up to $20.00 each month in foreign ATM fees if all monthly qualifications are met. Refunds will be deposited into your account no later than the last day of the next month.
3To earn the higher interest rate(s) and foreign ATM fee refunds, you must receive eStatements, have direct deposit(s) of at least $400 per month and complete a minimum of 12 debit card purchase transactions per month using your Point Breeze Visa® Debit Card. Both PIN and signature point-of-sale transactions qualify. Returns, refunds and ATM transactions do not qualify.
Federally Insured by NCUA
As part of the transition, your Central Credit Union Share Savings account will be converted into a Point Breeze Share Savings account.
As part of the transition, your Central Credit Union Vacation Club account will be converted into a Point Breeze Additional Savings or Goal-Based Savings account.
As part of the transition, your Central Credit Union Holiday Club savings account will be converted into a Point Breeze Holiday Club savings account. With this account, funds are automatically transferred to your share savings each year on October 15th.
As part of the transition, your Central Credit Union Certificate of Deposit will be converted into a Point Breeze Certificate of Deposit. Your current rate and term will remain the same until your next maturity date.
As part of the transition, your Central Credit Union Individual Retirement Account (IRA) will be converted into a Point Breeze IRA.
Your existing loan terms will not change. Your interest rate, payment amount, and maturity date will remain the same, and we will continue servicing your loan without interruption.
If you make loan payments by mail, please update the payment mailing address below to ensure future payments are sent to the correct location beginning October 1. Members enrolled in automatic payments do not need to take any action unless otherwise notified.
Update payment address to:
Point Breeze Credit Union
11104 McCormick Road
Hunt Valley, MD 21031
Frequently Asked Questions
Your Point Breeze member number will remain the same as your current Central member number unless you are notified separately before the transition.
Your checking account number, also called your MICR or ACH account number, will remain the same unless you are notified separately. You can continue using your existing checks.
If you already had a Point Breeze account, you will have two Point Breeze accounts after the transition, your existing Point Breeze account and your converted Central account. Both will appear under your current Point Breeze digital banking login once the transition is complete.
Your current direct deposit will continue after the transition. We recommend updating your payroll provider with Point Breeze Credit Union's routing number (252076565) and your account or MICR number.
After the transition is completed on October 2, 2026, you will need to register as a new user in Point Breeze digital banking. You will create a username and password as part of the registration process.
Bill Pay payees, scheduled payments, payment history, and eBills will not transfer. You'll need to set them up again in the Point Breeze Bill Pay system after enrolling in digital banking. We recommend you download or print your payees, payment history, eBills, and recurring payment details before September 30. This will make it easier to set up Bill Pay again after the transition.
Any payments scheduled on or after October 1, 2026, through Central's Bill Pay system will not process. We recommend paying those bills before October 1 or recreating them in Point Breeze Bill Pay after the transition. We recommend you download or print your payees, payment history, eBills, and recurring payment details before September 30. This will make it easier to set up Bill Pay again after the transition.
Your new Point Breeze debit/credit card(s) will arrive in mid to late September. Activate your new card(s) upon receipt but continue using your Central card(s) through September 30, 2026. Your new Point Breeze card(s) can be used beginning October 1, 2026.
Update any recurring payments, subscriptions, memberships, utility payments, or other automatic charges with your new Point Breeze card information before October 1, 2026.
Your loan interest rate, payment amount, maturity date, and other loan terms will remain the same.