Frequently Asked Questions

What is the American Consumer Council?2023-04-21T11:20:47-05:00

The American Consumer Council (ACC) is a non-profit membership organization founded in 1987 and dedicated to consumer education, advocacy and financial literacy. We support America’s economic growth by encouraging the sale and use of safe, reliable products and services to consumers. ACC achieves its mission by serving the economic interest and consumer needs of its 228,000+ members and 54 state/regional/local consumer council affiliates.

  • The ACC will not share or sell your data to third parties.
  • You may receive approximately one email per quarter and you may opt-out anytime.
  • The ACC follows strict data protection and privacy practices and adheres to 12 CFR Part 748 of member data protection.
  • The ACC is available at no cost to you. Membership costs are covered by the Credit Union as a member benefit to you.
  • To learn more about consumer advocacy and the ACC visit their website.
When will I get the rate and new disclosure for my new credit card?2023-06-09T09:57:18-05:00

It is anticipated that the week of July 17, Credit Card Services will begin mailing Members new cards and all the rate, terms and disclosures that come with the new card.

How can I find out more information on the brand change?2021-05-19T20:31:25-05:00

On our website, you will see a Brand Change page and this is where we will post updates about the project. Following us on our Social Media accounts is a great way to get updated branding information.

What else is changing besides the name?2021-05-19T20:15:03-05:00

Our current hours of operation, products and services, loan promotions, etc. are staying the same at this time. We are always looking for ways to improve and invest in your credit union so we hope to enhance many of the services you enjoy today in the future.

Is your website address changing?2021-05-19T20:18:56-05:00

Yes. Our new web address is Our former address, will redirect you to the new website for the immediate future. But we encourage you to update your browser favorites to the new web address.

Is my online banking and mobile banking user name and password changing?2021-05-19T19:47:45-05:00

No. That information is currently staying the same. We are currently evaluating our online and mobile services, and if those items do change in the future we will notify you.

Do I need to order new checks or a debit card?2021-05-19T20:18:00-05:00

No. You may still use your University & Community debit card and checks. As debit cards expire and are reissued, and when you order new checks, the new Oklahoma Community  brand will be included. (Remember if you order a new card, you will have a new expiration and CVS number to enter in any auto-payments you have tied to your debit card.)

Is my routing number or my account number changing?2021-05-19T19:42:17-05:00

No. All information for direct deposit of  your pay and funds, ACH transactions, etc. are staying the same. Your account number will not change.

How do I make out my loan payment checks or checks when getting cash?2021-05-19T19:40:06-05:00

Make your checks payable to Oklahoma Community Credit Union or Oklahoma Community CU or OK Community or Oklahoma Community.

Why is “federal” no longer in your name?2021-05-19T19:37:52-05:00

Our legal name is Oklahoma Community Federal Credit Union and you will see that on legal documents of the credit union. But to help shorten the name for branding and discussion, we are removing “federal” from the brand. Oklahoma Community is still a federal chartered financial institution and your shares continued to be insured by NCUA.

What is a shorter version of the new name?2021-05-19T19:37:13-05:00

We will avoid using initials when shortening our name. Please use Oklahoma Community or OK Community if you are shortening our name in conversation.

I am an OSU employee. Can I still bank with you even though “university” is no longer in the name?2021-05-19T19:32:08-05:00

Yes! We are proud of our heritage of being a financial institution created by and for OSU employees. That’s why we have retained the color orange in our new  brand and continue to have a location on campus it the Student Union.

Why is the name changing?2021-05-19T19:24:20-05:00

Throughout our history our name has changed when we have expanded our field of membership. Now that we are serving a large part of central Oklahoma, it is the time to have a name that is more inclusive of our expanding Membership and allows us to grow into the future.

How do I report a lost or stolen ATM/Debit Card?2021-05-19T11:50:21-05:00

Call 888.263.3370 to report a lost or stolen Visa Debit Card or ATM Card during our non-business hours. MasterCard credit cards has a different toll-free number to call.

Why is there a hold on my Debit Card?2021-05-02T03:14:24-05:00

Some merchants will place a pre-authorization hold on your debit card to make sure you have enough funds to cover their transaction. Pre-authorization holds are NOT put in place by Oklahoma Community Credit Union. This is most commonly seen at gas pumps, hotels, and restaurants. The holds are set by the merchants or major card networks and are placed because the card is swiped before the amount of the transaction is known. They may remain on your account until the transaction has fully completed or after the hold time expires (varies up to 5 days).

To avoid these holds, use your debit card inside the gas station and pre-pay for a set amount of gas or apply for a credit card at Oklahoma Community Credit Union. Some gas stations will place a pre-authorization hold on a debit transaction no matter what you do to avoid the hold. These holds could cause you to lose temporary access to needed funds and may cause you to overdraft your account incurring fees. Please be conscious of all debit holds and your available funds.

How do I change my debit card’s PIN?2023-06-09T10:02:24-05:00

Call 800.448.8268 to change the PIN on your Debit Card or ATM Card.

How do I activate my ATM/Debit Card?2021-05-02T03:10:15-05:00

Please call 855.726.4885 to activate your ATM or Debit Card.
(Note: Oklahoma Community CU no longer offers ATM only cards at new account opening.)

I forgot my password to my online access, how do I get that reset?2021-05-02T03:04:29-05:00

You can reset your password by visiting with one of our Member Services Representatives at any of our branches. Or you can call 405.743.3328 between 8:00am and 6:00pm Monday through Friday and ask for a reset. For your protection and security reasons, we can not reset a password through email.

How do I reorder checks online?2022-05-09T15:28:48-05:00

Our check provider is Main Street Checks. For your 1st order, you must call 405.743.3328 and reorder your checks over the phone. Orders after your first order, can be placed online at here.

How do I transfer money to another person’s account at the CU?2021-05-02T02:57:55-05:00

1. Log into

  • Both accounts must be enabled to do cross account transfers. Please contact us if you want to enable this feature for your account.

2. Setting up your Cross Account Transfer Password

  • Click “Member Options” on left side of screen
  • Click on “Cross Account Password”
  • Create and enter password twice and then submit (Create a password that is different from your login password so no one else can access your account).

3. Transfer to Someone Else’s Account

  • Click on “X Transfers” on the left side of home screen after logging in.
  • Enter in person’s account number and their Cross Account Password.
  • Choose what suffix (Savings, Checking, etc.) you want to transfer from.
  • Choose what suffix in other person’s account you want to transfer to.
  • Enter transfer amount and click “Transfer”.

4. Allow Someone to Transfer to Your Account

  • Give them your account number and the Cross Account Password you created and they will follow the same steps as above.
How do I handle a lost credit card or report a dispute?2023-09-28T12:30:08-05:00

Call 888.999.3304 to report a lost or stolen MasterCard credit card or to begin the dispute process. (This number changed on Sept. 14, 2023 after the conversion to Credit Card Services.)

Where can I go to check my MasterCard Credit Card balance?2023-09-28T12:25:56-05:00

After Sept. 14, 2023 use your new Oklahoma Community branded MasterCard and setup a new online account at
This new website is Credit Card Services access to your account. Call 888.999.3304 for credit card servicing (inquiries, payments and information).

Do I still pay the same amount of interest if I pay my loan off early?2021-05-02T02:50:44-05:00

No, if you pay off your loan early, you will only pay the interest accrued up to that point.

How is my APR calculated?2021-05-02T02:49:36-05:00

We look at both credit score and age of collateral when determining your APR.

How is my loan term calculated?2021-05-02T02:47:22-05:00

Just like your APR, your term is determined by your credit score, age of collateral, and also your preference.

I was denied a loan from another institution should I bother applying here?2021-05-02T02:45:09-05:00

Yes, all lenders have their own underwriting policies and guidelines. Here at Oklahoma Community CU, we are very lucky to be a member-owned credit union that is proud to help a lot of members who might not qualify at other lending institutions. It’s what we do!

Do you offer any type of loans to help establish credit?2021-08-05T11:12:53-05:00

We offer “share secured loans” which means you pledge a certain dollar amount of your savings or Certificate of Deposit and get a loan for that amount. The funds can be used for anything you’d like, and you make payments just like you would on a regular loan. What’s more—the rate that you get with a share secured loan is one of the lowest rates that we offer at Oklahoma Community CU.

What Tax Forms will the CU send me?2021-05-02T02:37:53-05:00

Tax forms are to be processed for delivery by January 31 each calendar year.

1099-INT Interest Statement Form: This form is generated when interest or dividends paid to an account have exceeded $10.00. This total is per account and is the combination of interest across suffixes that earn interest or dividends within that account. If you received less than $10.00 in interest or dividends you may find the year-to-date interest earned on your December Statement as “DIVIDENDS YTD” for the interest-earning suffix. For more information, visit the IRS page for 1099-INT.

1098 Mortgage Interest Statement Form: This form is generated when a mortgage note has exceeded $600.00 interest paid. This is per suffix and not the combination of interest across notes. If you paid less than $600.00 in mortgage interest you may find the year-to-date paid interest on your December Statement as “YTD FINANCE CHARGE” for the mortgage suffix. For more information, visit the IRS page for 1098.

5498 IRA Contribution Form: This form is generated when you have made IRA contributions for the tax year. This form is only delivered by postal delivery. For more information, visit the IRS page for 5498.

1098 and 1099-INT forms are delivered by the same means as your account receives statements. If your account is setup for eStatements, then your tax forms will appear on your eStatement portal. These forms may be viewed by logging into your online account, clicking “E-Statements” from the left menu, and then selecting “Tax Forms” from the top right drop-down selection box. Tax information is also available in your online access account via the left-hand menu titled “Tax Info” — this may be helpful if you did not meet the reporting requirements listed above for the 1098 and 1099-INT. If you receive your statements via postal delivery then you will receive your tax forms via postal delivery as well.

If you have not met the above dollar amounts for the 1098 and 1099-INT forms, you will not receive a form of that type. No forms are generated for accounts that do not hit the requirements.

Do you have tips for Check Fraud?2021-05-02T02:35:24-05:00

Check fraud increases every year. You should be cautious when receiving checks from an unknown source. Use these few tips to help protect you against check fraud.

  • DO THEY WANT YOU TO SEND MONEY BACK TO THEM? (i.e. Wire, MoneyGram, etc.)

If you are concerned about the legitimacy of a check, please contact a member service representative for help.

How do I change my address?2021-08-05T09:06:51-05:00

For your safety, Oklahoma Community CU requires a signature to change information on your account. To change your address, visit us at one of our locations or submit an online Address Change form.

What is the importance of my Account Number?2021-05-02T02:28:24-05:00

Account numbers are the primary identifier of a person to an account. It is important to know your account number and present it correctly when being used as to not infringe upon possibly other accounts. Account numbers at Oklahoma Community CU contain a check digit at the end to verify the account number is presented correctly. Check digits are required when ordering checks or setting up an ACH transfer. Account numbers, when given to a third party for processing, such as an ACH or check order, should contain 8 digits. This includes leading zeros, the account number, and check digit.

Example: If your account number is 12345-6 (6 being the check digit), your account number as listed on the ACH or check should read: 00123456

Use the direct deposit form to correctly identify your full account number if you are unsure.

Account numbers are often used for ordering more checks or setting up an ACH transfer to or from another account. To ensure you use the correct information check out the helpful tip pages for reordering checks and creating an ACH link to your account.

Who is eligible to be a Member?2023-04-21T11:10:05-05:00

Oklahoma Community Credit Union is open to anyone! We have membership options for anyone to join. Please visit our membership application page to select the membership option that fits you best.

How can I join Oklahoma Community CU?2021-05-02T02:29:16-05:00

Joining the Credit Union is easy. Simply complete a membership card and deposit $5.00. You remain a share holder in the credit union by maintaining an active account relationship and maintaining a $5.00 minimum balance. As long as your credit union membership is in good standing, you are a member for life.

Credit Unions are different than other financial institutions. They are cooperatives, owned and managed by their members.

The board of directors is comprised of members who are elected by the members. Each account has a voting member who has one vote, as long as their is $5 in the savings account. The credit union approach helps members realize the maximum return on their money (after meeting all reserve requirements and operating expenses, earnings are returned to members in the form of dividends on savings, better loan rates and a larger selection and better quality of services.) The credit union thrives on input from volunteers. We take full advantage of the wide variety of expertise that is found in our membership by asking our members to serve on various credit union committees. The credit union philosophy is and will continue to be: People Helping People.

U.S. Patriot Act


To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see your driver’s license or other identifying documents that are government approved for financial institutions to open accounts.

Regulation D2021-05-02T02:29:39-05:00

Regulation D (Reg) is a Federal regulation which applies to all financial institutions. It was created by the Federal Reserve Board to control the supply of money available in the U.S. and to ensure financial institutions set aside adequate reserves. This Reg classifies share accounts as either “transaction” or “non-transaction” accounts. Transaction accounts are draft accounts and allow unlimited electronic transactions to originate from those suffixes. Savings accounts and money market accounts are non-transaction accounts and are limited to 6 transactions (not made in person) a month per suffix before triggering Reg D.

Any transaction made on a non-transaction account without the member being physically at the credit union location is a Reg D transaction. Such transactions include telephone transactions, mail transactions, email transactions, ACH or EFT transactions, online banking transfers, and overdraft transfers.

Transactions not limited by Reg D would include ATM transactions, transfers to loan suffixes at Oklahoma Community CU, transactions done in person at a branch including shared branching at any CUSC location nationwide, nightly drop transactions left at the credit union’s night drop vault.

When you reach your threshold of 6 Reg D transactions on a non-transaction account you have hit the federal regulation limit and further transactions will be rejected. Please make sure you are using the correct type of account to handle transactions. You may contact a member service representative to get information on moving automatic transactions from your savings suffix to your draft suffix at any time. A fee may be processed per posted item over the Regulation D threshold. Fees may be found on our current fee schedule.


Oklahoma Community Credit Union wants to give its members the best protection with their debit cards. We offer fraud protection to all of our members debit cards. If SecureLOCK detects fraud on your debit card, they will freeze your debit card and call you to communicate the issue. If you miss their call, you can contact SecurLOCK (aka: Falcon) after hours at 855.961.1602.

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