Premier Checking Accounts
Open an Ocean State Credit Union Checking Account today! All our accounts have the option for a Visa® Debit Card
Enjoy Your OSCU Checking Benefits
- Online Banking
- Bill Pay Service
- E-statements with check images
- Mobile and Text Banking
- Unlimited check writing
- Overdraft Options Available
As a Member of Ocean State Credit Union, you will enjoy a variety of conveniences. Just look at the incentives that come with an Ocean State Credit Union Premier Checking Account.
- No minimum daily balance to be maintained and no monthly service charge.
- Minimum opening deposit of $25.00
- Must be 18 or older
How Does It Work?
Debit Card transactions are automatically deducted from your OSCU Checking Account and typically posted within 24 hours of your purchase. So you may check your updated balance and transaction record via your Online Banking services at OceanStateCU.org or dial into the Telephone Banking system at (800) 822-8077.
Account Tracking
You will be able to track your transactions each month when you receive your Checking Account Statement with the details of each purchase including merchant name, location, date and amount. If you’re signed up for online and mobile banking you have the added benefit of being able to track your accounts over the internet.
Card Management for Online and Mobile
Protect your Ocean State Credit Union cards by sending you transaction alerts and giving you the ability to define when, where and how your cards are used. Simply log into your Online or Mobile Banking, then customize your alert preferences and usage settings to monitor and manage your cards.
Pay with your Mobile Wallet
Make payments using your mobile device. The following services are available with your Ocean State Visa® Debit and Credit Cards using both Apple and Android Devices
- Apple Pay (Apple Wallet)
- Google Pay (GPay)
- Venmo
- CashApp
ATM Access
The OSCU Visa® Debit Card also offers convenient, 24-hour access to your Ocean State Credit Union accounts at thousands of ATMs that are part of the Accel®, Plus® and Credit Union Connection networks (applicable fees may apply).
Debit Card Monitoring and Alerts
Stay in control of your spending with OSCU Visa® Debit Card Monitoring and Alerts. Receive real-time notifications for transactions on your debit card, helping you quickly spot unusual activity and manage your account with confidence. It’s a simple way to stay informed and keep your money secure, wherever you go.
Real Time Fraud Detection
All Ocean State Visa® Debit Cards are monitored in real time to detect and protect against potential fraud. Members will receive alerts from our Fraud Protection Services through Text Messages, Telephone or by Mail if an unusual transaction is identified.
As a new feature, Text Messaging Alerts will be available to Members with Mobile numbers on file. With this added feature, keeping your card safe is as easy as a text. Your Debit Card security is our top priority. That’s why we’ve added text alerts as part of our ongoing fraud monitoring program.
Text Messaging Alerts
Members that provide a mobile number on file will receive Fraud Text Alerts for Visa® Debit Card transactions automatically. This option gives our members the ability to mark transactions as legitimate or fraudulent in order to keep your Debit Card Secure.
Program 37268 into your mobile contacts as “OSCU Fraud Alert” to ensure you know it’s from this service.
Though this benefit is something that we hope enriches all of our member’s experience, we do understand if you wish to opt out of Text Messaging Alerts. Once your first fraud alert comes through, simply reply STOP and you will no longer receive Text Message Alerts.
If you receive a text message requesting you to review a transaction.
- Respond NO and the transaction will be marked as a fraud
- You will receive notification from our fraud department on how to proceed
- Fraud department call 844-436-1738.
- Replacement Cards / Card Services call 877-397-1900 option 5, then option 4
- Respond YES and the transaction will be considered legitimate. Please attempt transaction again.
What you can do
Keeping your information up to date ensures we can reach you at the time of service. Please remember, we will never reach out to you looking for card number, passwords or account information.
Discover New Ways To Save
Explore the many ways Ocean State Credit Union can help you reach your financial goals. From checking and savings accounts to loans, cards, and digital banking tools, we offer options designed to fit your everyday needs. Discover the solution that works best for you and take the next step with confidence.
Personal Savings Accounts
Open a Share or Statement Savings Account with as little as $5 to become an Ocean State Credit Union member, earn dividends on your balance, and enjoy convenient access to deposits, transfers, and thousands of surcharge-free ATMs.
Business Checking Options
Our Business Checking is built to support your venture! No monthly fees, no minimum balance. it’s an easy way to manage your finances while keeping more money for your business needs.
Personal Loaning
OSCU Personal Loans provide a beneficial means to consolidate debts and fund significant purchases.
Business Loaning
Whether you are in the market for a new or pre-owned vehicle, we can provide you with a car loan package that meets your specific needs.
VISA® Credit Cards
Now you can pay for college the smart way with three great repayment options and competitive interest rates! An ideal solution to help you pay for college expenses.