Account Services
How do I change my address with Oregonians?
To change the address on file with your account, please call our Member Service Center at 503-239-5336, or visit your nearest Oregonians branch.
What is the fee for travelers cheques?
We no longer offer travelers cheques.
When are statements sent out?
Statements are typically printed between the 5th and the 8th of each month and arrive shortly thereafter. Members who have a checking account will receive monthly statements and those with a savings only will receive them quarterly unless there is electronic activity posted to the savings in that month.
E*statements are sent on the 1st of every month regardless of the type of account you have with us and are a much safer and more cost effective way to obtain your monthly statement.
If you would like to sign up for E*Statements, click the E*Statements link from your E*Teller homepage.
What is the routing and transit number? 323075709
Our routing number is 323075709.
These nine numbers can be found in the bottom left corner of your check or deposit slip.
The next 13 digits are your account number.
Am I eligible for membership?
As a state-chartered financial cooperative, Oregonians Credit Union's full selection of financial services are available to anyone who lives or works in 13 western and central Oregon counties.
- Benton, Clackamas, Columbia, Crook, Deschutes, Jefferson, Lane, Linn, Marion, Multnomah, Polk, Washington, and Yamhill.
- Immediate family members of active members are also eligible to join
- Immediate family members include parents, spouse, children, stepchildren, grandparents, grandchildren, brothers, sisters, half-siblings, aunts, uncles and domestic partners.
Can I add joint owner information on a Verification of Deposit (VODs)?
Yes. This information must be part of the original request. Requests for VOD including joint owner information can be made by fax, email or mail. You may contact our Member Service Center for further information at 503.239.5366 or memberservices@ofcu.com.
What is MailSafe?
Oregonians Credit Union has partnered with Perimeter eSecurity to use Perimeter's MailSafe service, an easy to use solution for sending electronic messages securely to anyone via the internet. MailSafe is designed to provide the highest level of security for member communications while being easy to use. There is no software to download and install and there are no keys to manage and distribute. The signup process is not much different than signing up for any other online webmail service. We must initiate the secure email process for you to register. Only the email address that receives the secure email registration invitation can be used for the secure email. If you would like to use a different email address, we must initiate the secure email process to the new email address. Once, you receive an invitation to register to access a secure email, the only personal information required is your name, state and phone number. The street address, city and zip code information is optional.
How long does a foreign item take to clear and be posted to my account?
It can take anywhere from 2 weeks to 6 months to collect an item drawn on a foreign bank. Unfortunately, this process is controlled by the issuing institutions. We do not control the speed in which these institutions will process requests. All items must be properly endorsed and dated or they will be returned by the issuing institution. We no longer accept foreign items less than $250 US Dollars.
There is a discrepancy between my "Current Balance" and my "Available Balance". What does this mean?
There will always be a $5 ($10 for joint memberships) pledge in your savings account. This is what holds your membership in the credit union.
If your available balance and balance in checking show different amounts, there is most likely a pledge on funds due to a pending debit card transaction. Signature based debit card purchases make funds immediately unavailable by pledging the funds in the account. This gives you a better idea of what money has already been spent and will hopefully help in preventing overdrafts.
Hold amounts may vary from the purchase amount as merchants sometimes place an authorization for more or less than your actual purchase. Holds on your card from hotels, rental car companies, etc. will also affect your available balance. Balance and available amounts may not match if a deposit made required a hold such as an ATM or shared branching deposit.
What is an ACH letter?
An ACH letter is used to provide member account information to an employer or other company for the purpose of establishing direct deposit or withdrawals. It contains our routing or ABA number, your name and your member number in the proper format for routing purposes.
Oregonians CU Routing Number: 323075709
Call us at 503.239.5336 to obtain the correctly formatted account number for direct deposit or see the example here.
What are your fees?
How long does it take for a direct deposit to begin?
To know for sure, you'll have to check with your employer. However, the typical amount of time it takes to setup a direct deposit is two weeks.
What is an inactive or dormant account?
An inactive or dormant account is an account showing no activity, other than dividends paid to the account, for a specific time period. An account is considered inactive if 18 months have passed since the last owner-initiated transaction. Remaining inactive is a concern for several reasons including high risk of fraud and identity theft. Inactive accounts with under $500 are charged a $5 per month fee after 18 months of inactivity, to maintain the account.
In addition, the State of Oregon requires financial institutions to surrender inactive account balances (known as escheating), after 3 years of inactivity. If forced to do so, an application to the State is required to recover funds.
To become active you need to do one of the following:
- Make a deposit to your account.
- Open a new account such as a checking account, CD or a Money Market account.
- Apply for a loan. We have some of the most competitive rates around.
To find out more about our current offerings, along with consumer loan, mortgage loan and deposit rates, visit our home page.
How do I get my account (ACH) number for electronic transactions and payments?
When you make electronic (or “ACH”) payments, you'll be asked for a routing number and account number. This is also the account number you need for incoming wire transfers. Remember, your member number and your ACH account numbers are not the same. Please don't use your member number in place of your ACH account numbers.
Oregonians' routing (or “transit”) number is always 323075709
The easiest way to get your ACH account number is in digital banking.
Get your ACH account number online
- Log in
- Open the Accounts tab
- Click the account tile
- Click the eye icon to see the ACH number
Get your ACH account number in the app
- Log in
- Open the Accounts tab
- Click the account tile
- Click the eye icon to see the ACH number
What's the difference between my member number and my ACH account numbers?
Your member number represents your membership, which may have multiple accounts (i.e., savings, checking, car loan). When an ACH electronic transaction is presented, our system must be able to identify which account within your membership you’d like the payment posted to or from - this is what the ACH account number tells us. You have a different ACH account number for each account (i.e. savings, checking, car loan) on your membership, and your member number is part of the ACH account number.
How do I get my ACH account numbers if I don't have digital banking?
If you don't have or want digital banking, you can get your ACH account number for your checking account on the bottom of your Oregonians checks:
Do I have to close my account if I move out of state?
Why doesn't the credit union accept two party checks?
Credit Unions are financial cooperatives, owned and controlled by members. Profits, partly generated by keeping cost and risk low, are returned in the form of lower loan rates and higher interest rates on deposits. Processing a signed over check is essentially cashing a check for a non-member. This person does not have a relationship with the credit union, making it a higher risk transaction with no way to recoup the cost of the service. If the person who is signing the check over is a family or household member of an Oregonians Credit Union member, he or she may be eligible for membership.
What is the turnaround time for VODs?
It generally takes up to 24 hours for VODs to be completed. Please allow this time to expire prior to follow-up. If needed, call 503.239.5336 for more information.
Will my account be closed if I don't use it?
If you don't use your account in 18 months, your account will become inactive and may face an inactive monthly fee. Check our fee schedule to view the current fee. At this point in time, your account won't be closed and we invite you to begin using it.
After 3 years of inactivity, the state of Oregon requires financial institutions to surrender inactive account balances (this process is known as "escheating"). Your account will be closed and your funds will be surrendered to the state of Oregon. Once the funds are surrendered, you'll need to file a property claim with Oregon's Unclaimed Property Program to retrieve your funds back.
My payroll distribution is not working what should I do?
Contact our Member Service Center at 503-239-5336 or 800-982-2974 or memberservices@ofcu.com.
You may also need to contact your payroll department to verify what routing and account numbers are being used.
What do I do if my payroll has not been posted?
You may contact our Member Service Center at 503-239-5336 or 800-982-2974 or memberservices@ofcu.com to find out the status of payroll posting.
You may need to contact your payroll department to determine when your payroll was sent, the effective date, and to verify the routing and account numbers your payroll department is using.
How can I get a copy of my account statements?
If you're enrolled for e*Statements, you can view and print your last 12 months' of statements in Online Banking. If you're not enrolled for e*Statements, please call our Member Service Center at 503.239.5336 or visit your nearest branch to request statement copies.
Is there a form for direct deposit?
You may obtain a form for direct deposit from any branch or through our website by clicking here.
You will need to be enrolled in online banking to obtain the form from our website.
The company that will be depositing funds to your account may have their own form for you to fill out instead of or in addition to ours.
Who do I contact if I am having Shared Branching problems?
Please note, Shared Branching services are not enabled by default on Oregonians CU memberships. You must get in touch with us to request this service before it will be enabled on your accounts. To enabled Shared Branching, or if you're having issues with Shared Branching transactions, please call or text us at 503-239-5336, or write us at memberservices@oregonianscu.com
Can I use CO-OP Shared Branching locations to do transactions?
CO-OP Shared Branching allows you to do many basic transactions such as cash and check withdrawals, deposits, transfers, loan payments, and some loan advances at participating credit union locations. Not all Shared Branches offer all services. Check deposits may be subject to hold. Shared Branching is not enabled by default on Oregonians CU memberships. Please get in touch with us if you'd like to activate this service.
Are your debit and credit cards compatible with mobile wallets (Apple Pay, Google Pay, Samsung Pay, PayPal, etc.)?
Yes. Oregonians debit and credit cards are compatible with mobile wallets. View more information on using your Oregonians cards with:
How do I change my address with Oregonians?
To change the address on file with your account, please call our Member Service Center at 503-239-5336, or visit your nearest Oregonians branch.
What is a joint owner?
A joint owner has the same access to an account as the primary member, with the exception of closing the membership. A joint member has the same access to an account as the primary member and has the ability to close the membership. An additional $5 Membership Share (par value) is required so there is a $10 minimum balance for a joint membership account.
Can I get foreign currency through the credit union?
What is the routing number I should use for direct deposits?
Oregonians CU Routing Number (ABA/RTN): 323075709
Can I get something notarized at any of the branches?
Yes, you may have documents notarized at all branches as long as you are an Oregonians Credit Union member. Please email memberservices@ofcu.com or call the Member Service Center at 503.239.5336 or 800.982.2974 to verify that there is a notary available at the time you wish to come in.
What information do you need if a member's relative wants to join?
Do I need to come in with them? What proof do you need that they are related to me? ,"Immediate family of an existing member can join the credit union without the member being present. They also do not need to bring proof of the relationship. However, we may call the relative for verification.
My deposit does not appear in my account or the amount is incorrect. Why?
To begin research on this issue, we will need copies of the front and back of the cancelled check(s). You can obtain these copies from the issuing financial institution once the checks have cleared. Please contact our Member Service Center at 503.239.5336 or memberservices@ofcu.com for further assistance.
What do I need to change my payroll deductions?
You can stop in to any branch and fill out a new payroll deduction card, or contact the Member Service Center at 503.239.5336 or 800.982.2974.
Can I make a wire transfer?
Yes! To initiate and schedule a wire transfer, please call or text our Member Service Center at 503.239.5336 during business hours.
How do I update my phone number?
Can you include the Dividend Rate on a Verification of Deposit (VOD)?
Yes. The request for this information must be part of the original VOD.
Are my immediate family members eligible to join?
Immediate family members of current members and immediate family of anyone within our field of membership are eligible to join.
How do I research a Wire Transfer?
Contact our Member Service Center at 503.239.5336 or 800.982.2974 or email us at memberservices@ofcu.com.
Are there any service fees for using Telephone Teller?
Telephone teller is a great FREE service that lets you receive account information, transfer funds within your deposit account, transfer funds to other members of the credit union, obtain loan and deposit rates quickly and easily. Our Telephone Teller service is available any day of the week anytime of the day or night.
Please call 503.221.8737 or 800.833.1216 to access Telephone Teller.
What is the fee for depositing a foreign check?
There is a $20 fee for processing a foreign item. We no longer accept foreign items for less than $250 US Dollars.
Can I make transfers to external accounts?
Yes! There are a few ways you can make transfers from your Oregonians accounts to your accounts with other financial institutions:
- Use our bill pay service. When you're logged in to online banking, you can setup one-time or recurring transfers to other financial institutions. The first time you setup a transfer, you'll need to confirm two small deposits we'll make into your account at the other institution - this process may take up to 48 hours.
- Use the bill pay service with the other financial institution.
- If your other financial institution is a Zelle financial institution, you can use Zelle to instantly transfer funds.
- If your other financial institution is a credit union that participates in Co-Op Shared Branching, you can call Co-Op's call center at 866-692-8669 and make a one-time transfer.
What is a Durable Power of Attorney?
A Power of Attorney, or a POA, is a legal document that gives another person legal authority to manage your financial affairs. A ""Durable"" Power of Attorney enables this person to act for you even after you are not mentally competent or physically able to make decisions.
Can you add my address to a Verification of Deposit (VODs)?
Yes. The request for this information must be part of the original VOD request.
How do we determine the exchange rate?
We must contact our processor to determine the exchange rate since it fluctuates daily. The exchange rate you will receive will be the rate on the day the item is presented for deposit. Please contact our Member Service Center at 503.239.5336 or memberservices@ofcu.com for further information.
How do I apply for membership?
Joining Oregonians Credit Union is easy!
To apply for membership, first determine if you're eligible, then simply apply online or visit us at one of our convenient branch locations.
Please have the following information ready, to make the application process as fast as possible:
- Driver's License/State ID or Passport
- Social Security Number
- Date of Birth
- Information for any Joint Account Owners or Beneficiaries
If other members transfer money to my account, or if I transfer money to another member's account, can they see my balance?
No. Cross Account Transfers to other members through Online Banking (E*Teller) or in a branch will not show ending balances.
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