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In June 2025, we will take a significant step forward in the combination of Louisiana Federal and OnPath Credit Unions. We've included some helpful information on this page to prepare you for what's to come and steps to take now to make this transition easier.
Last day to add new payees (bills) or edit any payment details to Bill Pay in the current OnPath Online Banking system. All payments scheduled through June 2nd will still be delivered. On June 3rd, when you log into the NEW Online Banking system, confirm your bills are correct.
May 27
Bill Pay will be disconnected. You will no longer have access to Bill Pay. Any Bills you need to pay from 5/27 - 6/3 should be scheduled ahead of this day to ensure delivery during this period.
May 29
Savvy Money, Credit Card Single Sign-On, Check Orders, and External Account/Loan connections will be disconnected. You will have to re-register to access these functions on June 3rd.
Last day to use Zelle through OnPath Online & Mobile Banking systems.
Last day to make an online payment via Swivel pay. Our new link will be available on June 3rd.
May 30
All branches open for normal business hours.
OnPath Online banking systems becomes unavailable at 2pm. OnPath Mobile App becomes unavailable at 8am this day.
Zelle access no longer available during this day. Sending and receiving funds through Zelle will be unavailable. You will need to re-register with Zelle on June 3rd, using the phone number or email address OnPath has connected to your account.
May 31 - June 2
All OnPath Credit Union and Louisiana FCU branches will be closed.
ITM withdrawals, deposits and loan payment will be limited.
Debit card purchases and cash withdrawals will be limited.
Credit card purchases and cash withdrawals will be limited.
Telephone Banking will be unavailable.
Online and Mobile Banking will be unavailable.
June 3
All branches will re-open as OnPath Credit Union.
Members should delete the old OnPath or Louisiana Federal Mobile App and can begin downloading the new unified OnPath Mobile App. Members will begin using Online Banking by visiting BeOnPath.org. All members will log in by using their current username. If your old password does not work you may work on resetting your password via self service.
What to expect in June 2025
What's staying the same
OnPath paper checks - Your checks and check orders will remain the same.
Direct deposits - Paychecks, Social Security, and other deposits will continue as usual.
Automatic payments (ACH) - Any scheduled bill payments (utilities, insurance, subscriptions, etc.) will process as expected.
Accounts and loans - Your checking, savings, and loan products will remain unchanged.
Bill Pay - If you are a Bill Pay user, most of your payees will transfer automatically to the new OnPath Digital Banking suite.
What will change in the future
OnPath VISA® debit card - Your current card will continue working for an extended period after June 2025. A new OnPath MasterCard Debit Card will be issued in late Summer/Fall 2025 to replace it.
OnPath VISA credit cards - Your VISA® credit card will remain active until February 2026. Before this date, you'll receive a new MasterCard Credit Card.
Digital banking - A brand-new OnPath Mobile App launches in June 2025. You’ll need to download the new app. More details will be sent as the launch approaches.
Zelle - You may need to re-register with Zelle in the new OnPath Mobile App.
Telephone banking - Our DASI telephone banking system will be replaced with Call24, offering the same 24/7 access to your balances and transactions.
New benefits
More branch locations - Full banking services will now be in LaPlace, Norco, Gramercy, Hammond and Gonzales.
Enhanced ITM capabilities - New features include loan payments without video assistance, mini statements, and more.
What's ahead
Starting now
You will notice more communications headed to your inbox or mailing address. Please keep an eye out for specific communications specially tailored for you.
Coming Soon
Once the full banking system integration is complete, you can continue to use your OnPath VISA Debit and Credit Cards, and OnPath checks. Our routing number will not change. We will keep you informed as to when new cards will be re-issued.
Please confirm your contact information so you don't miss any important communications.
In online banking: login and navigate to the top right corner. Select My Settings to edit your personal information.
In Mobile App: at the bottom bar press More. Then on the top right corner select the grind icon and then My Settings.
Don't use digital banking? Call us at (504) 773-7274 or visit any OnPath Branch for assistance.
Nickname your accounts
When Banking systems are integrated, account holders will be able to see individual and joint accounts in Digital Banking and in ITMS using only one debit card. Please nickname your accounts so you can identify each one easily. Log in to your Online accounts from any browser (sorry this is not available in the Mobile App).
Navigate to My Settings on the top right corner. At the bottom under OTHER SETTINGS click on rename and hide your accounts.
1. Heritage Bank is now part of the OnPath Credit Union family. This means that soon you will start seeing a transition from the Heritage Bank of St. Tammany brand to OnPath Credit Union. A systems upgrade will happen on 4/1 that will bring some changes to the way you bank with us.
The only Heritage Bank branch that will close is the Slidell branch. This is because OnPath Credit Union has a Slidell branch that is a 3 minute drive down the street on Gause Blvd. Heritage Bank clients may start using the OnPath Slidell branch on 4/2/2026. All other Heritage Bank branches will still be open.
Many great benefits are coming out of this partnership. With OnPath Credit Union, now Heritage Bank clients will be able to use all 17 OnPath branches across Southeast Louisiana. Many of the OnPath products have the same or higher interest rates plus the same smiling faces from Heritage Bank will now be OnPath Team members.
Starting in March you will begin receiving communications via mail and email on behalf of Heritage Bank and OnPath CU. On April 1st all our offices will close as Heritage Bank and will re-open on April 2nd as OnPath Credit Union.
As a not-for-profit cooperative, we’re owned by members like you, which means our profits return to your pocket through better rates and lower fees! You get the best of both worlds: a top-tier digital banking suite and ITMs for easy transactions, paired with the heart of a local institution. We are proud to employ over 250 of your neighbors who live and work right here in our community. At OnPath, we’re big enough to offer the best tech, but local enough to truly know you
While we understand your current account number is familiar, this upgrade requires us to issue you a new account number to enhance security and prevent system duplicates. Your new account number will be mailed to you by the second week of March. Look out for that communication.
Yes! Now is the time to make sure your contact information is up to date so you don’t miss any important mailings or emails.
You don't need to change your direct deposits, automatic payments, or anything you've already set up. Those will all move over to your new number automatically. You will need to set up any news with your new account number.
Yes, you can keep using your current checks! They will work until you run out of them, for many many months after the system upgrade. If you run out of checks and order them through OnPath Credit Union, they'll automatically be printed with your new account number.
Our system upgrades means a brand new mobile app, use of the OnPath website to log into online banking and a new telephone banking system. Specific details on how to log in for the first time will be in the Welcome Guide. You can also visit BeOnPath.org/login to see step by step instructions on how to log in for the first time.
On April 2nd, Heritage Bank clients will be able to download the OnPath app or login via www.BeOnPath.org and register as new users
Yes, you will need to register as a new user. You may try to keep your old username and password by using those. If the username is taken, the system will let you know and then unfortunately you will have to choose a new username. You may choose your old password by adding that as the password in your new online banking account.
Unfortunately, no. No Bill Pay information will transfer over. Please take the time today to download your bills, accounts and amounts for you to re-add them in the new Bill Pay instance at OnPath Credit Union.
Your past transaction history won't move to the new system, but you won't lose your records! We are providing 12 months of e-statements right inside the new app for easy viewing. If you need more than 12 months we will have them safe for a while and available to you upon request.
To download the new app, just follow these simple steps for your device. Since this is part of the merger transition, remember to delete your old banking app first to avoid any confusion! STEP 1: Open your App Store: Head to the Apple App Store (for iPhone) or the Google Play Store (for Android). STEP 2: Search for us: Type "OnPath Mobile" or "OnPath Credit Union" into the search bar. STEP 3: Look for the logo: Find the app featuring our OnPath Credit Union logo and tap "Install" or "Get."
The OnPath app has many features you are used to and love, such as remote deposits, e-statements, and card controls (lock and unlock your debit cards plus alerts). We also offer Zelle, which you can sign up for starting on 4/2, Know Your Score, our credit score builder tool that will also be new to Heritage Bank members.
Your Heritage bank debit card will stop working on 4/1. You will receive a new OnPath debit card before 4/1 that you will activate and start using on 4/2.
Yes, your card will stop working on 4/1. We advise that for that one day, you have cash on hand and try to use it for transactions.
Yes, if you are currently using your Heritage Bank card with Apple Pay, Samsung Pay, PayPal, Venmo, Zelle, or other payment options, you will need to unlink the Heritage Bank card and re-link it with your new OnPath Mastercard Debit Card.
Unfortunately, no. Since this is a full reissue of the debit card number, you will need to re-enter it wherever you currently use it to pay, including subscriptions, automatic payments, Apple Pay, etc.
You can continue mailing payments to the Heritage Bank address or visit any open branch to pay in person. Starting April 2, you can also pay through OnPath Online Banking or the Mobile App using an internal or external account. You will also be able to use any OnPath ITM to process loan payments. Simply insert your OnPath debit card and PIN at any branch ITM to pay with cash or a check. If you need a hand, just tap "Video Teller" to have a live team member walk you through the process.
We expect all Heritage Bank offices to close on all day Monday April 1st for this systems upgrade. OnPath CU offices will close at noon on Monday April 1st for this upgrade. We will re-open for normal operations on Tuesday April 2nd.
Call us at (985) 652-4990 or visit any Heritage Bank branch location for assistance.
For checking and savings accounts it depends on the product you currently have with Heritage Bank. See our change in terms in our disclosure packet or visit BeOnPath.org to see details on each OnPath product. Your loan interest rates will remain the same.
We have chosen the most similar products that you currently have with Heritage Bank to transition into OnPath Credit Union. For full details please visit BeOnPath.org/transition.
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