The Conversion Team recommends that a client convert at least one month prior to the end of the year. We want to ensure that all End-Of-Month processing, including dividends and service charges, are posting correctly before the end of the year.  This also enables the credit union to review member statements before year-end statements are generated.  Accuracy of year-to-date dividends and interest is extremely important and generating at least one statement run prior to year-end enables members to review this information. In addition, most vendors have black-out dates, usually between December 15th and January 15th, when they will not handle any changes.