Central 1 Status

Resolved: The delayed Everlink files have now been posted to Central 1 accounts with an effective date of December 1. These amounts will show on the account as an LBF (Late Bank Fees).

Thank you for your patience while this incident was being investigated.

For any questions on this matter, please email the Central 1 Network Settlement team at [email protected].

Investigating: Our technical team continues to work on the Everlink delayed file issue.

We will provide another update by 12 p.m. PT (3 p.m. ET) tomorrow, December 5, or sooner if it is resolved before then.

For any questions on this matter, please email the Central 1 Network Settlement team at [email protected].

Investigating: Our apologies for the delayed update. There has been no significant progress in the resolution of this incident. Our technical team continues to work on the Everlink delayed file issue.

We will provide another update by 12 p.m. PT (3 p.m. ET) tomorrow, December 4, or sooner if it is resolved before then.

For any questions on this matter, please email the Central 1 Network Settlement team at [email protected].

Investigating: This notice is for credit unions that use Everlink for their switch provider

Central 1 continues to work with Everlink on the delayed November month-end volume charge files.

An update will be provided by 11 a.m. PT (2 p.m. ET) tomorrow, December 3.

For any questions on this matter, please email the Central 1 Network Settlement team at [email protected].

Investigating: Central 1 continues to work with Everlink on the delayed November month-end volume charge files.

We will provide another update by 3:30 p.m. PT (6:30 p.m. ET).

Investigating: ***This notice is for credit unions that use Everlink for their switch provider"

Please be advised that the November ATM and POS monthly volume charges have been delayed. Central1 is working with Everlink to resolve the issue.

An update will be provided by 11 a.m. PT (2 p.m. ET) tomorrow, December 2.

For any questions on this matter, please email the Central 1 Network Settlement team at [email protected].

Resolved: Interac has advised us that the all of blocked e-Transfers between December 3, 8:00 P.M. PST (11:00 P.M. EST) to 9:04 P.M. PST (December 4, 12:04 A.M. EST) have been cleared.

Investigating: Interac has informed us that a subset of e-Transfers between December 3, 8:00 P.M. PST (11:00 P.M. EST) to 9:04 P.M. PST (December 4, 12:04 A.M. EST) were blocked. Their technical teams are actively monitoring and working to clear the backlog, however the estimated time to resolve is taking longer than expected.

We will provide updates as we receive them.

Central 1 - [email protected] - [email protected] - 1.888.889.7878

Resolved: Our teams have completed their investigation into the earlier issue where some clients were unable to progress PS-AFT file uploads to the confirmation step. All impacted files have now been successfully processed, and the service is operating normally.

If you continue to experience any upload issues, please contact us at [email protected] or 1.888.889.7878.

Investigating: Central 1 is currently investigating an issue affecting PaymentStream AFT where some clients are unable to complete file uploads. Users can access the File Upload page, but the upload does not progress to the confirmation step.

We are engaging additional technical resources to restore normal service as quickly as possible. At this time, there are no workarounds available.

Next update: We will provide the next update by 6 p.m. PT (9 p.m. ET) or sooner if more information becomes available.

Central 1 - [email protected] - 1.888.889.7878

Postmortem: Postmortem: INC213718 - Inbound and Outbound Wires Not Processing

 On Monday, December 8, beginning at approximately 8:45 a.m. PT (11:45 a.m. ET), Central 1 experienced a delay in the processing of inbound and outbound wires. Wires could continue to be created throughout the morning; however, items remained pending and did not progress through the SWIFT gateway until service was restored at 1:38 p.m. PT (4:38 p.m. ET). This resulted in an overall delay of approximately 4 hours and 53 minutes. During this period, branch staff observed growing pending queues, resulting in higher contact volumes on our wires and support desks. All items began clearing normally once the service was recovered.

 Point of Failure: The processing interruption was caused by an issue in IBM’s Managed File Transfer (MFT) service, which supports moving wire files from the EPP environment to the SWIFT gateway. Earlier that morning, the IBM Payments Centre reported instability in the MFT interface. IBM’s investigation confirmed that an Inter-Process Communication (IPC) administrator, while attempting to address a customer-specific file issue, inadvertently triggered a bulk download of all customer configuration files through the MFT application. This action caused excessive Java heap consumption, resulting in performance degradation, deadlocks across multiple clients, and partially responsive MFT nodes.

 Although backend processing components were still functioning, the degraded state of MFT prevented wire files from progressing, resulting in the growing pending volumes observed by credit unions. The absence of an automated alert tied to wire-pending volumes delayed escalation, as all external monitoring systems appeared healthy until the service impact was manually identified.

 Following confirmation of a system-wide effect, IBM performed an MFT restart at approximately 12:00 p.m. ET, which restored file movement by 12:11 p.m. ET. A small number of clients saw minor performance lag until the remaining deadlocks were fully cleared from the database.

 Corrective Actions:

Central 1 and IBM have initiated an investigation into an ongoing problem under PRB011641. Immediate remediation included reducing heap thresholds to trigger earlier warning signals, instituting new file-count monitoring rules to detect abnormal UI activity, and revalidating documentation governing administrative actions within the MFT interface. IBM and the vendor are also progressing with a product upgrade to MFT Version 7.9.1, scheduled for completion in February 2026, which is expected to reduce the likelihood of UI deadlocks significantly. Additional work is underway to validate configuration download limits within the product and to explore role-restricted administrative access to prevent similar incidents.

As part of our internal improvement stream, Central 1 is reviewing automated threshold-based alerting for pending wire volumes to provide earlier visibility and escalation, ensuring vendor notifications and operational checks consistently surface anomalies before they impact clients.

We apologize for the delay and appreciate the patience while Central 1 works with our vendors to improve our systems high-availability.

Central 1 - [email protected] - 1.888.889.7878

Resolved: Inbound and outbound wires are now processing through the SWIFT gateway.

Central 1 - [email protected] - 1.888.889.7878, press 1

Investigating: Central 1 has become aware of a wire incident affecting the processing of both outgoing and incoming wires. Wires are not going out or coming in through the SWIFT network.

IBM and Central 1’s technical teams are working diligently to resolve the incident.

An update will be provided at 2 p.m. PT (5 p.m. ET) or sooner if the incident is resolved.

Central 1 - [email protected] - 1.888.889.7878, press 1

Postmortem: Postmortem: INC213718 - Inbound and Outbound Wires Not Processing

 On Monday, December 8, beginning at approximately 8:45 a.m. PT (11:45 a.m. ET), Central 1 experienced a delay in the processing of inbound and outbound wires. Wires could continue to be created throughout the morning; however, items remained pending and did not progress through the SWIFT gateway until service was restored at 1:38 p.m. PT (4:38 p.m. ET). This resulted in an overall delay of approximately 4 hours and 53 minutes. During this period, branch staff observed growing pending queues, resulting in higher contact volumes on our wires and support desks. All items began clearing normally once the service was recovered.

 Point of Failure: The processing interruption was caused by an issue in IBM’s Managed File Transfer (MFT) service, which supports moving wire files from the EPP environment to the SWIFT gateway. Earlier that morning, the IBM Payments Centre reported instability in the MFT interface. IBM’s investigation confirmed that an Inter-Process Communication (IPC) administrator, while attempting to address a customer-specific file issue, inadvertently triggered a bulk download of all customer configuration files through the MFT application. This action caused excessive Java heap consumption, resulting in performance degradation, deadlocks across multiple clients, and partially responsive MFT nodes.

 Although backend processing components were still functioning, the degraded state of MFT prevented wire files from progressing, resulting in the growing pending volumes observed by credit unions. The absence of an automated alert tied to wire-pending volumes delayed escalation, as all external monitoring systems appeared healthy until the service impact was manually identified.

 Following confirmation of a system-wide effect, IBM performed an MFT restart at approximately 12:00 p.m. ET, which restored file movement by 12:11 p.m. ET. A small number of clients saw minor performance lag until the remaining deadlocks were fully cleared from the database.

 Corrective Actions:

Central 1 and IBM have initiated an investigation into an ongoing problem under PRB011641. Immediate remediation included reducing heap thresholds to trigger earlier warning signals, instituting new file-count monitoring rules to detect abnormal UI activity, and revalidating documentation governing administrative actions within the MFT interface. IBM and the vendor are also progressing with a product upgrade to MFT Version 7.9.1, scheduled for completion in February 2026, which is expected to reduce the likelihood of UI deadlocks significantly. Additional work is underway to validate configuration download limits within the product and to explore role-restricted administrative access to prevent similar incidents.

As part of our internal improvement stream, Central 1 is reviewing automated threshold-based alerting for pending wire volumes to provide earlier visibility and escalation, ensuring vendor notifications and operational checks consistently surface anomalies before they impact clients.

We apologize for the delay and appreciate the patience while Central 1 works with our vendors to improve our systems high-availability.

Central 1 - [email protected] - 1.888.889.7878

Resolved: Inbound and outbound wires are now processing through the SWIFT gateway.

Central 1 - [email protected] - 1.888.889.7878, press 1

Investigating: Central 1 has become aware of a wire incident affecting the processing of both outgoing and incoming wires. Wires are not going out or coming in through the SWIFT network.

IBM and Central 1’s technical teams are working diligently to resolve the incident.

An update will be provided at 2 p.m. PT (5 p.m. ET) or sooner if the incident is resolved.

Central 1 - [email protected] - 1.888.889.7878, press 1

Resolved: Interac has advised us that the all of blocked e-Transfers between December 3, 8:00 P.M. PST (11:00 P.M. EST) to 9:04 P.M. PST (December 4, 12:04 A.M. EST) have been cleared.

Investigating: Interac has informed us that a subset of e-Transfers between December 3, 8:00 P.M. PST (11:00 P.M. EST) to 9:04 P.M. PST (December 4, 12:04 A.M. EST) were blocked. Their technical teams are actively monitoring and working to clear the backlog, however the estimated time to resolve is taking longer than expected.

We will provide updates as we receive them.

Central 1 - [email protected] - [email protected] - 1.888.889.7878

Investigating: We have identified that the ManageDirect Daily Availability reports for Forge/MemberDirect were not delivered between October 20 and November 30, 2025. Our team is in the process of regenerating these reports, and this work will be completed by December 12, 2025. Thank you for your patience and understanding as we work to resolve this matter.

[email protected] - 1.888.889.7878, option 2