Transfers & Payments

How do I transfer money to other members (cross account transfer)?

You can make transfers to other Oregonians members in digital banking. Once you've saved another member as a Recipient, they'll show up in the drop-down selection for transfers.

Cross account transfers in the app

  1. Click the Payments icon tab
  2. Click the Quick Transfer button
  3. Select + Add a new recipient
  4. Enter the recipient's name and click Next
  5. Click +Add Account 
  6. Enter the requested info. and click Add Recipient
  7. Now that you've added the member, you can complete the transfer process

After you complete the transfer, this member will be saved as a Recipient. You'll be able to select them from the drop-down menu within the transfer screen next time you go to make a transfer, or select their tile on the Payments tab under "Send money to someone you know". Click here to learn how to make a transfer. 

To add another member as a Recipient for future transfers, open the Payments tab and click View Recipients. You can add a member here by clicking +New.

Cross account transfers online

  1. Click the Payments tab
  2. Click the Manage Recipients button
  3. Enter the recipient's name and click +Add Account
  4. Enter the member's information and click Save Account
  5. Click Save Recipient
  6. Now that you've saved the member, click Transfer funds and complete the transfer process

After you complete the transfer, this member will be saved as a Recipient. You'll be able to select them from the drop-down menu within the transfer screen next time you go to make a transfer, or select their tile on the Payments tab under "Send money to someone you know". Click here to learn how to make a transfer.

How can I make an outgoing wire transfer?

We only accept domestic outgoing wire transfers (no international).

Domestic wire transfer requests take up to 1 business day to process, and out cut-off time for wire transfers is 12:30pm. If you submit your request early in the morning, there's a better chance it will be processed the same day. 

We'll get in contact with you before you wire request is actually sent out.

To request an outgoing wire transfer, call us, visit a branch, or log in to digital banking.

Submit a Domestic Wire Transfer in Digital Banking

Online

  1. Log in
  2. Open the More tab (online) or the hamburger menu (app, located in upper right-hand corner)
  3. Click the Services button
  4. Click Wire - Domestic Outgoing Wire Transfer Request
  5. Supply the information requested
  6. Click Submit

On a mobile device

You can't submit a wire transfer request inside our app, but you can submit the request on your phone using a web browser. Visit digital.oregonianscu.com to jump right to the login page for digital banking.

  1. Log in
  2. In the search bar, type wire transfer (or something similar)
    1. Domestic Outgoing Wire Transfer Request text will pop up
    2. ^ click on this text ^
  3. Supply the information requested
  4. Click Submit

How do I make a loan payment?

If you have an Oregonians loan, there are lots of ways you can use digital banking to make a loan payment. In most cases, loan payments apply instantly.

 

1-Transfer from your Oregonians account

As long as the funds for your payment are available in one of your membership accounts, you can transfer the funds directly to your loan in the Payments tab.

How to make Internal Transfers

 

2-Pay with another bank account

You can set up Account-to-Account (A2A) transfers in digital banking. You must have a checking account on the membership you will connect with your external bank account.

You'll sign in to your external bank account using a secure service that will connect that account with your Oregonians accounts. You'll then be able to make transfers between the accounts. After the account is connected, it'll be saved for quick transfers and it can be set up for automatic transfers.

How to make external transfers

 

3-Deposit a check

You can write yourself a check and use it as your loan payment. Open our app, deposit the check into your account, then transfer the funds to your loan.

How to make a mobile deposit

Are there limits on bill pay, A2A and P2P transactions?

Although these limits are subject to change, here are the transfer limits as of July 2023:

Payment Type Single Transaction Maximum Amount Daily Limit Monthly Limit
Bill Payment $3,500 $3,500 $25,000
P2P $150 $150 $1,000
A2A Outbound $500 $500 $10,000
A2A Inbound $500 $500 $10,000

How do I make single or recurring transfers to/from another bank account?

We offer a free service in digital banking that allows you to transfer money to or from your other bank accounts. These transfers are known as external account transfers or account-to-account (A2A) transfers. 


How to make single and recurring A2A transfers

First, make sure you've added your external bank account before you can proceed to make transfers...

  1. Log in
  2. Open the Payments tab 
  3. Click the Bill Pay & External Transfers (app) or Bill Pay, P2P & A2A (online)
  4. Select the Member Number* you would like to transact with and click Proceed 
  5. Open the Transfers (app) or Transfer Money (online) tab

    1. ***For recurring payments, click More transfer options then open the Repeat dropdown to select the desired recurrence***

  6. Select your To and From accounts
  7. Select Send and Deliver dates
  8. Click the TRANSFER button

*You must have a checking account on this membership in order to use bill pay, P2P and A2A services; and all transactions will be conducted using your Oregonians checking account.

 

About A2A transfers

  • All bill pay services, including A2A transfers, can only be made using your Oregonians checking account.
  • You must establish a connection with your other bank account before you can make an A2A transfer.
    • Thousands of financial institutions are available for connection.
    • If you can connect with your financial institution, A2A transfers take place in under 20 minutes.
    • If you can't connect with your financial institution, you can make a manual connection with the traditional process that involves confirming two separate small deposit amounts. Traditional connection transfers take 1 to 2 business days.
  • Once your other bank account is connected, it will be in the list of available accounts you can make transfers to and from (step #6 below).

 

How do I transfer money between my accounts?

We know you need to move your money to lots of different places. Fortunately, you can make a wide range of transfers in digital banking:

  • Transfer between your accounts
  • Transfer to your loans 
  • Transfer between your membership accounts (if you're on multiple memberships)
  • Transfer to other Oregonians members (previously called “Cross Account Transfers”)
  • Pay friends and family instantly ("P2P")
  • Transfer money to and from your other bank accounts ("A2A")

 

Where to make different types of transfers 

  1. Log in to the app or online
  2. Open the Payments tab
    1. Click the Quick Transfer (app) or Transfer Funds (online) button to make Internal Transfers:
      1. Transfers to and from your primary accounts (savings, checking, etc.)
      2. Payments to your Oregonians loans
      3. Transfers to and from accounts on all of your Oregonians memberships (joint account, business account child's account, etc.)
      4. Transfers to other Oregonians members (cross account transfers)
    1. Click the Bill Pay & External Transfers (app) or the Bill Pay, P2P and A2A (online) button to make External Transfers:
      1. Instantly transfer funds to friends and family via text or email (P2P)
      2. Transfer money to or from your other bank accounts (A2A)
      3. Pay bills

 

How to make Internal Transfers

  1. Open the Payments tab
  2. Click the Quick Transfer (app) or Transfer Funds (online) button
  3. Check the box for the account you'd like to transfer funds in to and click Continue
  4. If you'd like to change the account funds will be transferred from, select Change on the From account tile 
  5. Enter the amount
  6. Add an optional memo
  7. Select a Transfer Date
  8. ***If you'd like this to be a recurring transfer, check the Repeat transfer box and enter the requested information***
  9. If you need to make other transfers, click + Add another transfer (you will go through steps 2-7 for this additional transfer)
  10. To complete the transfer(s), click Transfer funds

Why do I have a limit on how much I can transfer in digital banking?

There's a digital banking daily transfer limit of $10,000. The amount is limited to reduce chances of fraud or loss to both you and us.

How do I set up automatic loan payments from another bank account?

You can use digital banking to set up an automatic payment to your Oregonians loan from another bank account using our A2A (account-to-account) transfers service. You need to have a checking account on your membership with us in order to use this service.

How to setup automatic loan payments from an external account

  1. Connect your external bank account
  2. Setup a recurring transfer from your external bank account to your Oregonians checking account the day before you need your payment to post to your loan
  3. Setup a recurring transfer from your checking account to your loan on the day you'd like your payment to post

Click the links above to learn how to complete each of these steps.

How do I add an external bank account for A2A transfers?

You can set up account-to-account (A2A) transfers in digital banking. All you need is a checking account with us, and your digital banking login information for the other financial institution.

 

How to add an external account

  1. Log in
  2. Open the Payments tab 
  3. Click the Bill Pay & External Transfers  (or Bill Pay, P2P & A2A online) button
  4. Select the Member Number* you would like to transact with and click Proceed
  5. Open the Transfers (or Transfer Money online) tab 
  6. Click the ADD EXTERNAL ACCOUNT button
  7. Complete the One-Time-Passcode (OTP) verification
  8. Search for and select your financial institution*
    1. If you don't see your financial institution, scroll to the very bottom and click the Can't find your bank? Enter account details button (this process will take 1-2 business days to connect the account)
  9. Follow the prompts to connect your account

Once you connect an account, it will be available for incoming and outgoing transfers in this same area of digital banking (Payments > Bill Pay > Transfers).

*There are over 1,000 financial institutions you can connect for instant transfers. If your financial institution isn't available, you can add it manually. This process involves two small deposits being sent from us to your external bank account that may take 1-2 business days to appear. After you confirm the deposits, you'll be able to interact with the account and transactions typically take up to 2 business days.

 

Click here to learn more about the limits that apply to bill pay, A2A and P2P transactions.

Click here to learn how to setup an automatic transfer to or from your external account into your Oregonians CU checking.

How do I set a default account for digital banking transfers or mobile deposits?

You can set your default accounts for transfers, check deposits and text banking in Digital Banking Settings.

  1. Open the More tab or the hamburger menu (app)
  2. Click Digital Banking Settings
  3. Under the Account Settings tab, select the account under the drop-down
  4. Under Set this account as a default for:, activate the radio buttons accordingly
  5. Click Save Settings (online) or Save (app)

If you need to set a different default account for transfers, check deposits or text banking - make sure to follow these steps for each account, and select only the desired default setting (step #4) for each.

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

  1. Log in
  2. Open the Accounts tab
  3. Click the account tile
  4. Click the eye icon to see the ACH number

1690829037890-image

Get your ACH account number in the app

  1. Log in
  2. Open the Accounts tab
  3. Click the account tile
  4. Click the eye icon to see the ACH number

1690829005905-image

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:

1690829334988-image

 

How do I deposit a check payment to a loan in digital banking?

You can deposit checks using our digital banking mobile app. You must first deposit the check into a deposit account (checking, savings, etc.), then transfer the funds to your loan after the check has cleared.

Haven't found the answer you're looking for?

Submit a Question