Relationship Checking Accounts
Members of Ocean State Credit Union enjoy added value with our Relationship Checking.
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
There is no monthly fee when you maintain a total minimum balance across all deposit accounts or take advantage of our home equity or mortgage options.
- No minimum daily balance to be maintained and no monthly service charge.
- Minimum opening deposit of $25.00
- Must be 18 or older
- Free stop payments, money orders, and cashier’s checks
- One order of basic checks per year for free
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.
Maintain Your Account
One of the following conditions must be met every month in order to maintain your Relationship Checking Acccount.
- An aggregated deposit balance of $25,000 or more (combined across savings, checking, certificates, etc.)
- An active OSCU home equity or mortgage loan
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.