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Digital Banking FAQ

If you have questions about Digital Banking, you've come to the right place.

Contact UsLearn More About Digital Banking
If you have questions about Digital Banking, you've come to the right place. Contact Us
Learn More About Digital Banking

Digital Banking Doesn't Have to be a Mystery

Have questions? Browse our FAQ list below to see if we have the answer you need. If you can't find what you're looking for, give us a call at 405.606.6528 and we will be happy to help you.

How do I access Digital Banking?

To access Digital Banking on your desktop, log in through our website, clicking the "Digital Banking Login" button at the top of the screen. To access Digital Banking on your phone, you will need to download the OKCU app. 

When logging in, you will receive a temporary access code. It is important to updated your contact information with us, because you will receive the access code via your phone.

Will my username and password be the same as they were in the previous online banking?

If you have logged into online banking in the last 12 monhts, your current username and password will allow you to login to Digital Banking. The first time you log in you will be prompted to create a new password.

If you haven't logged in to online banking in the last 12 months, you will need to enroll in Digital Banking.

I've locked myself out of Digital Banking.

Give us a call at 405.606.6528 and we’ll be happy to get you unlocked. A temporary lockout lasts for 24 hours. You have 5 attempts before a temporary lockout occurs. If you are approaching temporary lockout, we recommend using the forgot password tool.

What is a temporary access code?

A temporary access code is a numeric code that is sent to you when you log in to Digital Banking on a new device. These codes are sent to you via text message or a phone call. Temporary access codes are a more secure and convenient alternative to security questions.

Will I need a temporary access code every time I log In?

No, you will only need a temporary access code when you login on a new device. When logging in, you can choose to remember that device, so in the future, it will not prompt you for a temporary access code on that device. Registering your device will limit the number of times a temporary access code is requested.

My temporary access code phone numbers are incorrect.

Give us a call at 405.606.6528 to update your contact information. Once you are logged into Digital Banking, you can update your delivery methods by clicking on Secure Delivery located under Security Preferences on the Profile & Security menu tab.

My temporary access code hasn't arrived.

If you chose to receive a temporary access code via text message but it isn't being sent to you, text the word "Start" to 86434. You should receive a message back. Then, request a new temporary access code via text.

If that doesn't work, or you're not receiving temporary access codes via call, give us a call at 405.606.6528 and we’ll be happy to help get you logged in.  Temporary access codes are valid for 15 minutes. You will want to ensure that you have access to the chosen delivery method in the 15 minute timeframe.

What if I forget my password?

Select “password” from the options below the username and password when logging in.

What if I forget my user ID?

Select “username” from the options below the username and password when logging in.

How do I sign up for Digital Banking?

As a current member, you can enroll and accept the terms directly from the app or desktop. Simply click on the Enroll button located on the login screen to get started.

I previously used a household log in to access my accounts. Do I need to enroll and creat my own log in?

We recommend enrolling and creating your own log-in for Digital Banking. This allows you to have your own uniquely personalized experience. By allowing each person to have their own log-in credentials, each person will be able to personalize their home page and take advantage of all the new Digital Banking features. To sign-up for your own log-in, click the “Enroll” link on the Digital Banking login page.

How many devices can I register?

As many as you want. We recommend only registering personal devices where you are the only person with access. Registration is per user, browser and device.

Can I use the OKCU app without using my username and password?

You can choose to use TouchID, FaceID, or Passcode to access your Digital Banking without entering a username and password. These options can be customized to each device.

I am logged into Digital Banking but I can't see my account/loan.

Give us a call at 405.606.6528 and we’ll be happy to help walk you through un-hiding or moving accounts. For the best viewing experience, we recommend using Chrome while on desktop.

Can I be logged into multiple devices within Digital Banking?

Yes, you can be logged-in with multiple devices. After 30 minutes, you will automatically be logged out.

Will I be required to change my password after a certain amount of time?

No, you do not have to change your password based on a length of time.

Do I have to pay fees to use Digital Banking?

We do not charge fees for downloading or using the OKCU app. However, you should contact your wireless service provider to see if you’ll pay data usage fees.

Does Digital Banking work with Quicken?

Absolutely. Our Digital Banking was designed to be highly compatible with this popular software. We have achieved this compatibility by building an industry-standard Quicken Interchange Format (QIF) downloading capability right into Digital Banking. You can access the downloading capability by selecting your account then click the Export button.

What types of accounts are included on Digital Banking?

You can access the following types of accounts:
  • Checking
  • Savings
  • Home Loans
  • Auto Loans
  • Lifestyle Loans
  • Certificates
  • Credit Cards
  • Home Equity Lines of Credit

Can I have more than one checking account linked to Digital Banking?

Yes. You can link all of your checking accounts to online banking.

How can I see my cleared check images?

If a check has cleared, the check image will appear in the transaction details for the next 60 days. 

Will I be able to view my previous digital statements?

You will have access to the last 13 months of statements.

I only see a statement for my savings account. Where are my other accounts?

The name of your primary share (savings) account will be listed on the monthly statement. Once you download and open the statement, simply scroll down to see the statements for all of your OKCU accounts.

How can I redeem my reward points?

You can redeem your OKCU reward points within Digital Banking. You can also call 1-855-475-0800 to redeem your reward points for any of the reward options.

What applications are supported in the Digital Money Management Financial Tools?

Digital Banking supports the following applications for Digital Money Management Financial Tools:
  • QuickBooks Pro, Premier and Online (Windows and Mac)
    • Please note we can only support products that Quickbooks currently supports. See Quickbook's discontinuation policy for supported product details here.
  • Quicken
    • Please note Digital Banking can only support products Quicken currently supports. See Quicken's discontinuation policy for supported product details here.
  • Yodlee PFM
  • Geezeo PFM

How current is this information?

Transactions, transfers and balances are real-time updates. Debit card transactions are based on the merchant and when the merchant submits their transaction file to us.

Where can I download the app?

You can download the OKCU app from these app stores:
  • Apple® App Store℠
  • Google Play™

Do I have to pay fees to use the app?

We do not charge fees for downloading or using the OKCU app. However, you should contact your wireless service provider to see if you’ll pay message and data usage fees.

Do I have to sign up at to use the app?

As a current member, you can enroll and accept the terms directly from the app. Click on the “Enroll” link located on the app login screen to get started.

How can I be sure my information is secure if my mobile device is lost or stolen?

You should always choose “Log Off” after using Digital Banking. Even if you don’t, we’ll automatically disconnect you after 30 minutes.

Will the last four digits of my account number be displayed in the account description?

If you have not provided a nickname for your account, the last four digits of your account number will appear by default on your home screen.

Can anyone else see my account information?

No. Your account information is available through access methods that have been rigorously tested for security accessibility. The information is not public. Only you can access it using your username and password. Please keep this information secure and sign off when you are finished with Digital Banking.

Will my Digital Banking session time out?

For your security, your Digital Banking session will time out after 30 minutes.

Happy To Help Stories

Why do our members love being part of OECU? Find out below.

  • Janet B.
    I can schedule and pay bills, make deposits and so much more from my home computer. I've even applied for a loan on line. Huge time saver!

    – Janet B.
  • Pamela D.
    As an out-of-state member, I get checks at home in Texas and have been able to use the online deposit for those.

    – Pamela D.
  • Natasha N.

    The mobile app is like my best friend, it’s always accurate and easy to pull up.

    – Natasha N.

  • Tuesday M.

    I loved the bill pay feature so much! The time and money it saves is convenient and provides peace of mind. I’ve told everyone about it!

    – Tuesday M.
  • Kristi K.
    The app on my phone allows me to check my balance and transfer money without having to drive to the office, allowing me to simplify my life!

    – Kristi K.
  • Josh R.

    Great online customer service. When I have a question or have a charge, your online team has explained and resolved my issues.

    – Josh R.

  • Shelly M.
    Quick signatures from our smart phones made getting a loan with OKCU it a cinch! Now we have great credit scores with an excellent rate on our new car!

    – Shelly M.
  • Lori B
    Opened a student checking account for my kid and I love how everything is online and no hassle!

    – Lori B.
    ​Member Since 2006