Mobile Banking FAQs

Mobile Banking Via Browser
Mobile Banking Via Text
 

 Mobile Banking Via Browser FAQs
Do I have to be a member of OUCU to use this application?
You can use our ATM/branch locator without having to log in. To view account information , you must be a member and have a registered CATS Online banking account.

What type of phone or handheld do I need?
OUCU Mobile is available on any phone or handheld with Internet access. 
 

What transactions can I perform with OUCU Mobile?
You can check your account balances, view account history details, view cleared checks, use and manage online bill pay, transfer funds between your OUCU account and other member's accounts.

I tried to access OUCU Mobile, but I get a blank white screen. What's wrong?
Verify if you can access any other websites on your mobile device. If you cannot, please restart your mobile device to reset your internet connection and try again. If you are still having difficulty, please call your mobile carrier.

How much does it cost to use OUCU Mobile?
OUCU does not charge any fees; however, your wireless service provider may charge additional fees for internet access and/or for the bandwidth used. Contact your wireless service provider to get more details on the actual cost of using your device to access the internet.

Is it safe to access my accounts using this technology?
Mobile Banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway is encrypted using the Secure Socket Layer (SSL) layer. OUCU Mobile has a built-in Session Time-Out after 5 minutes of user inactivity.

What Online Banking features are not available in mobile banking?
The following features are available in Online Banking and cannot be accessed in OUCU Mobile.
• Changing address, phone, etc.
• Stop payments
• e-Statements
• loan application

I’m having issues logging into online banking on my mobile device.
• Can you access other websites on your phone? If not, call your mobile provider.
• Can you login using this URL on a PC? (www.oucu.org)
• After trying these step, either call us at 1-800-562-8420 or email us at memberservices@oucu.org
 

Mobile Banking Via Text FAQs
How secure is Text Message Banking?
Our Text Message Banking service is secure. You can activate the service only after registering your phone using Online Banking credentials. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.

Will I be charged for Text Message Banking?
We provide this service free to our members, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

Will Text Message Banking work on my phone?
Yes it will, as long as you have text messaging enabled with your mobile carrier and use a carrier that the service supports. Please check with your mobile carrier if you are unsure.

Which carriers do you support?
Our Text Message Banking service works on all major mobile providers in the U.S., including:
Alltel
AT&T
Nextel
Sprint
T-Mobile
US Cellular
Verizon Wireless
Virgin Mobile

How do I deactivate the Text Message Banking service?
You can text back "OUCU Stop" to 21443 on your activated cell phone, or you can login to Online Banking, select the Notify link under Account Access, and click the deactivate link next to your mobile device number. Your phone will no longer receive any text messages from Text Message Banking. You can add a new phone at any time if you change your mind later.

Why do I need to register my phone?
Registering your phone is a one-time step and is one way we ensure the security of Text Message Banking.

Where do I find my activation code?
During setup we will send you a text message with your activation code. If you have already submitted your mobile number during setup, check your mobile device now. You should receive a text message with your activation code within a few minutes.

Can I come back later to enter my activation code?
Yes you can. If you experience difficulties we recommend that you go through the setup process again and get a new code.

I still have not received my code, what do I do?
It might take several minutes to receive your code. If you feel you have waited long enough you can click the "resend code" link. Please check your mobile device shortly for a new text message. If you are still experiencing problems be sure you entered in the correct mobile number during setup.

What is the number I should send keywords to?
The short code is 21443. This short code will only work if you have activated the Text Message Banking service.

How long does it take to get a text message?
You'll receive a text message response within a minute. Exact timing will depend on your mobile service carrier.

Is there any password needed for Text Message Banking?
No password is needed to access your account information via text message. 
 
I have a new mobile phone number. Can I change or add my number online?
Yes, you first need to deactivate your cell phone and add your new cell phone number. You must go back to the text banking enrollment page to deactivate your old number and activate your new number.