Online Banking & Mobile Security
Easily manage your accounts, view balances, pay bills, and transfer funds anytime, anywhere. You are just one click away from Online Banking – an online service from OSCU. It’s safe, secure, easy to use, and accessible from any computer. Online banking is available whenever you want to perform a transaction, day or night.
Experience The Benefits
- Receive and pay bills electronically with Bill Pay Service
- Ability to nickname your accounts
- View and print statements by enrolling in Online Statements
- Set up email alerts and notifications
- Access to Mobile and Text Banking Service
Add Online Bill Pay
Manage and pay your bills electronically in one place using only one password. It’s simple! Just log–in to your Online Banking Account and click on “Bill Pay.”
- Customize the accounts you’d like to pay
- Schedule payments day or night
- Make one-time payments or set recurring payments
Experience The Benefits
- Receive and pay bills electronically with Bill Pay Service
- Ability to nickname your accounts
- View and print statements by enrolling in Online Statements
- Set up email alerts and notifications
- Access to Mobile and Text Banking Service
Online Statements can be accessed through Online Banking. Switching is safe, easy, and environmentally friendly. PLUS it eliminates unnecessary paper mail. Log-in now to enroll!
- Draws from your own Statement Savings Account in the event of an overdraft.
- Fee is $5.00 per transaction
- Returned Checks and OSCU Visa® Debit Card transactions will be honored up to the amount that is available in your Statement Savings Account.
Whether you’re at home, at work, or on the road, Ocean State Credit Union is here for you online and on your phone 24 hours a day, seven days a week. We understand the sensitive nature of your financial records, and that is why we think it is important that you are confident in our security standards. This is why we’ve employed our Enhanced Login Security including Multifactor Authentication.
What is Multifactor Authentication?
Authentication is the process used to allow access to only the correct customer. Without effective authentication controls, it is possible for fraudulent users to access your account. We authenticate customers by issuing challenges that only the true customer should be able to pass. Multifactor Authentication means two or more different types, or factors of authentication must be passed. By using two different factors of authentication, we get a higher assurance that the customer is the correct intended user. MFA is commonly used to protect transactions at ATMs, where your card is some-thing you have, and your PIN code is something you know. Similarly with EMFA, your phone is something you have, and your password is something you know. For convenience, after you successfully authenticate with your password and One-Time Passcode (OTP), you may enroll your computer for use in authentication. If you choose to enroll your computer, a special Browser Cookie will be present on the system, which will act in place of your phone for something you have in your possession.
What information will be required?
You will be prompted for your password. In addition you will be required to provide information that enables us to send you a OTP. We recommend that you enroll your personal mobile phone. Enrolling a phone number that is shared with others is not recommended. Instead of answering a Challenge Question, you will receive an OTP at the number you enroll. Optionally, you may then enroll your computer to act in place of your phone. Once you enroll your computer, the rest of your online banking experience will remain exactly the same.
Can I access my accounts from my smart devices?
YES. You can access your accounts from any computer, phone, or smart device. However, when you authenticate from a system that does not have the special Browser Cookie, you will need to authenticate using the Phone OTP instead. You may enroll multiple devices, but be mindful not to enroll a device that you don’t often use, or that is shared with people you do not know. Enrolling anon-trusting device is equivalent to lending your ATM card to a stranger. If you have any additional questions or require additional information regarding Multifactor Authentication/Enhanced Login Security, please contact us at (401) 397-1900.
Be aware of identity thieves
Please note that there may be attempts by identity thieves to distribute false communications to obtain your personal and account information. Ocean State Credit Union will never send you unsecured email or other correspondence requesting that you provide us with confidential information, such as your Online Banking User ID, account number, card number, social security number, PIN or password. As always, if you receive any unsolicited e-mails, phone calls, or other suspicious attempts to gain personal or confidential information, please call us immediately at (401) 397-1900.
Online Banking Important Information
What is internet banking?
What can I do with internet banking?
Is there any person information stored in the internet banking product?
Yes, the Internet Banking product stores your Username, Password and User Preferences.
How current is my banking information?
Your account information is updated every business day with new transactions that were posted to your account the previous business day
What will I be able to access through Internet Banking?
You can access your checking, savings, investment and loan accounts from the Internet Banking service. Our Internet Banking Product is intended to give you as much access, security, and versatility as possible.
How much information will I be able to view at once?
The system will automatically show the current month’s transactions and information. However, you may select a date range to view previous transaction information.
Can I view my account information in more than one way?
Yes, you can view your accounts by date in ascending order, or search using an amount or description.
What formats can I download my information in?
Information TBD.
Can I schedule future transfers?
Yes. You may schedule either one-time or recurring future transfers.
When can I use the Internet Banking services?
With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!
How long can I be inactive before I am logged out of the Internet Banking product?
The inactivity time out is 10 minutes. However, you will receive a warning message alerting your 1 minute prior to logging out due to an inactive session.
What is required to access the Internet Banking product?
All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®/Edge, Google Chrome®, Mozilla Firefox®, or Safari®. You may use any computer that has Internet access.
How do I access Internet Banking?
Online banking just got a whole lot easier, just the link below to get started.
Link: https://www.oceanstatecu.org/dbank/live/app/register
What happens if I lose my password?
Just click on “Forgot Password” and follow the steps to reset your Password. If you have gone through the process and still require assistance, please contact us at (401) 397-1900.