This usually means that the account is locked for security purposes. Simply changing your password will not unlock your account. Please contact the Call Center at (888) 696-4462 or visit your favorite regional branch to unlock your account.

If you received a “temporary password”, it is only active for 24 hours. Temporary passwords must be changed by selecting “Settings” under the pathway: “Modify Personal Settings”, then selecting “Modify Login Information”. If you are outside of this time period, please contact the Call Center at (888) 696-4462.

Password Requirements: Must have an uppercase letter, a lowercase letter, a number and a special character, and not used within the last 6 months.

If you are getting the wrong identification picture when logging in this means you have entered an incorrect username.

When making a payment using iPay Bill Pay, you will be asked for the payment date. This date is the date that the payment will come out of your account and be sent to the payee. This date is not the date that the payment will reach the payee. It could take up to a week for payment to reach a payee; therefore, make sure you are checking your iPay Bill Pay via OC Federal Credit Union Online Banking to ensure you can see the date that the payment is estimated to arrive to the payee.

We are currently unable to accept payments and deposits over the phone. We would recommend using iPay Bill Pay or an automatic ACH transaction to move money from other accounts to OCFCU accounts.

Online banking gives balance information but not payoff information that includes all interest charges. Please contact the Call Center at (888) 696-4462 or stop by your favorite branch to request the payoff amount. Some loans may require a cash or check payment to payoff and may not be paid in full through Online Banking.

Yes! Contact the Call Center at (888) 696-4462 or stop in a branch to obtain the necessary paperwork. It is free to setup automatic payments from OCFCU accounts to OCFCU loans.

Yes! You can either: 1) Use the free Bill Pay feature through our online banking; 2) Set up an automatic ACH for a direct debit. Please note that there is a small one-time fee for the ACH service.

The daily limit for ATM cash withdrawals with your debit or credit card is $500. Please contact the Call Center at (888) 696-4462 if you are having any other issues with your debit or credit card.

As a security measure, the daily limit for debit or credit card purchases is $2,500. If you need to make a purchase over this amount, please contact the Call Center at (888) 696-4462 and ask to have this limit temporarily lifted. The Call Center is open from 8:30 a.m. – 6:00 p.m. Monday through Friday and from 8:30 a.m. – 1:00 p.m. on Saturday. Please note that there is also a daily maximum of ten swipes per debit / credit card.

Our current loan rates can be found here. To get the actual interest rate for a lending product, you must submit a completed loan application. Your interest rate will depend on your credit score, the loan amount, the term of the loan, and the value of the collateral (if the request is for a secured loan).

If you keep attempting to transfer funds via your savings account and it is not working, you have probably used your six allotted withdrawals for the month. This is a federal regulation known as “Regulation D”, which only permits you to withdraw money from your savings account six times in a month.

If you need to access additional funds and you have reached your limit for the month, there is hope! You will just need to come into your favorite regional branch in order to transfer or withdrawal funds to stay in compliance with Regulation D.