What if I have applied for Online Banking, but have not received my password?

You should receive your password by email within two days of request. You may contact Member Services at (503) 239.5336 or (800) 982.2974, or email us at memberservices@ofcu.com for assistance.

Can I change my password?

Yes. While you're in Online Banking, click on the Edit Passwords link from the Account links on the left to change your password.

What part of my account number is needed for online banking access?

If your account number is 123456-7, you may enter your account into the online banking system as 123456 or 123456-7.

What browser do I need to access Online Banking?

Recommended browsers include: Netscape Navigator 4.75 or higher, Internet Explorer 5.0 or higher, and AOL 6 or higher, or other browsers that support 128-bit encryption. Links to upgrade your browser are supplied on the Security page.

Does Federal Regulation D apply to Online Banking transfers?

Yes, Federal Regulation D applies to Online Banking transfers from savings accounts. Regulation D is a Federal Regulation that limits transactions in savings accounts. The OCU accounts that are affected are Regular Savings, Money Market and Club Accounts. Checking accounts do not have any transaction limits. With Regulation D, you are limited to a maximum of six (6) of the following types transactions per month from the same savings account:

• Transfers over the phone with a Member Service Representative
• Transfers using Telephone Teller
• Transfers using Online Banking
• Overdraft transfers
• Preauthorized transfers including ACH debits

Once you reach the maximum six (6) transfers in a month from the same account, future transfers from the account will not take place. This could result in insufficient funds or overdraft fees, depending on your account balance. Please note that transactions performed at a branch or ATM are not restricted by Federal Regulation D.

Do I have to press the Sign Off button in order to exit Online Banking?

No, but we strongly suggest that you do so. By properly exiting Online Banking, you can be assured that all communication is severed and that your account is secure. For your security, your Online Banking session will end (time-out) after a period of inactivity. This prevents other people from accessing your accounts should you leave your computer unattended. When your session times-out, you will be required to go back to the Sign-in screen and re-enter your account number and password .