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MSUFCU | Frequently Asked Questions | Frequently Asked Questions

Account Information | Android Pay | Bill Payment | Chip Cards | ComputerLine How-Tos | ComputerLine/Website | eDeposit | eStatements | FICO® Scores | Loans | Mobile Apps | Mortgages | MyDesign℠ | Password Reset | Quicken | Samsung Pay | Select Home & Auto | TrulyU® Security | Username Sign In | Visa/ATM Cards


Account Information
What is my OU Credit Union account number?
Your account number consists of two parts: your base account number and the account ID.

For example, if your account number is 123456-03, 123456 is your base account number and 03 is your two-digit I.D. designating your savings or checking account. Your two-digit I.D. number can be found on your MSUFCU statement.

You MUST include your full account number, including the two-digit ID, when making transfers, wires or any electronic funds transfer such as Direct Deposit of your payroll.

How can I join OU Credit Union if no one in my family is a member, I'm not OU student and I do not work for the university?
Anyone can become eligible for OU Credit Union membership by joining the the Michigan United Conservation Clubs (MUCC). Visit our Who Can Join? page for more information.

I joined the Michigan United Conversation Clubs in order to become an OU Credit Union member. Do I need to renew my membership with them to remain a member?
No, once you pay the initial fee you do not have to pay again. Once you're a member of OU Credit Union, you remain a member.

What is the routing number at the credit union?
The routing number (ABA) for OU Credit Union is 272479663.

Is there a fee to open an account with OU Credit Union?
No. There is no fee to open your account at OU Credit Union. You only need to deposit $5 to your Grizzly Saver.

Can I open a checking account without having a Grizzly Saver account?
No. Every member must open a Grizzly Saver savings account before adding any other type of account.

What are the Classic Checking account fees?
$5 per month if the balance falls below $500 at any point during the month.There is no fee if your balance is $500 for the entire month. View our fee schedule.

What are the Totally Gold Checking account fees and minimum balance requirement?
There is no minimum balance and no monthly fee associated with the Totally Gold Checking account. View our fee schedule.

Can I write unlimited checks with a Totally Gold Checking account?
Yes, you can write an unlimited number of checks from your Totally Green Checking account.

What are the Money Market Checking account fees and minimum balance requirement?
A fee of $5 is charged if your balance falls below $2,000. The minimum balance to open the account is $2,000. View our fee schedule.

I am a student and currently have an account with OU Credit Union. Do I have to close my account when I graduate?
No. Once you are a member, you are always a member.

How often do the dividend and interest rates change on accounts and loans?
Dividend rates can, but do not always, change weekly. Loan rates can, but do not always, change monthly.

Will my deposits and withdrawals post to my account if I only give you my base account number?
No. For proper credit you need to include the two-digit I.D. number that follows your base account number. This will specify which account the funds will be deposited to (savings or checking).

How can I still maintain my account when I move to a different state?
There are several ways available to keep you connected with your OU Credit Union account even after you have moved out-of-state.
  • Use the OUCU Mobile app, ComputerLine, or MoneyLine for 24-hour account access.
  • Use ATMs for deposits and withdrawals. As a member of the CO-OP Network, you have access to nearly 30,000 surcharge-free ATMs across the U.S.
  • Visit a Shared Branch to conduct a limited amount of transactions.
  • Arrange for direct deposit with your employer directly to your OU Credit Union account.
  • Your OU Credit Union Visa Debit Card can be used for worldwide access to your checking account.
  • Call our Call Center from 7:00 a.m. to 9:00 p.m., Monday through Friday and 9:00 a.m. to 3:00 p.m. on Saturday ET. A representative can help you perform a variety of transactions, apply for a new loan, and provide assistance and information.


I am moving out of the Oakland area, are there available ATMs that will not charge a service fee?
Yes. OU Credit Union ATMs are part of the CO-OP Network. There are nearly 30,000 surcharge-free ATMs available to you throughout the US, Canada, and Puerto Rico on the CO-OP Network.

How do I know if I am set up to use ComputerLine, the OUCU Mobile app, and MoneyLine?
Most members are automatically set up to use these services when they open their new account. Check your status by calling at 248-364-4708 or 800-766-6828 or by visiting any branch.

Why should I open an account with OU Credit Union if I already have an account elsewhere?
OU Credit Union has ATMs on campus, which makes it very convenient for students to access funds. Our Totally Gold Checking has no minimum balance and no monthly fee.

I am a student. How can my parents make a deposit into my account?
Parents can:
  • Mail a check to the credit union.
  • Wire money from their financial institution to OU Credit Union. There is a $5 fee to receive a wire. (View fee schedule)
  • Make a deposit at a Shared Branch.
  • Make a deposit at an ATM.
  • Parents with OU Credit Union accounts can transfer funds online via ComputerLine from their account to your account. Please contact OU Credit Union to activate this access.

  • Should I leave my account open during the summer?
    Yes! You can access your account while you are home or vacationing during the summer months in a variety of ways.
    • Use ComputerLine, the OUCU Mobile app, or MoneyLine for 24-hour account access to view balances, transfer funds, and pay bills.
    • Use ATMs for deposits and withdrawals. As a member of the CO-OP Network, we offer thousands of free-to-use ATMs nationwide.
    • Your OU Credit UnionVisa Debit Card can be used for worldwide access to your checking account.
    • Visit a Shared Branch to conduct basic transactions.


    Can I open a checking account even though I am not 18 years old?
    Yes. Members under the age of 18 can open a checking account. However, an OU Credit Union Visa Debit Card will not be issued until the member turns 18. Parents can co-sign for a Visa Debit Card or Visa Credit Card if a student is under 18 years of age.

    What is the difference between a credit union and a bank?
    Credit unions are owned by their members, not share holders and often offer higher savings dividends, lower loan rates, and have fewer and lower fees.

    If my Classic Checking account balance falls below the minimum more than once during a month, will the minimum balance fee be charged each time?
    The $5 fee will only appear once at the end of the month.

    How can I transfer funds to my loan in another financial institution?
    You can set up monthly or twice monthly payments for the same amount using ACH Origination. You will need to provide OU Credit Union with the financial institution's routing number, account number with suffixes, plus the amount to be withdrawn. This is a free service that will take place the same date each month or the next business day. Set up payments by completing the ACH Origination Authorization Agreement.

    How can I check my balances?
    Access your account balances and transaction history:
    • Via the OUCU Mobile App
    • Online using ComputerLine
    • By phone using MoneyLine, available at 517-332-6627
    • Speak with a Member Service representative by phone at 248-364-4708 or toll-free 800-766-6828, Monday-Friday from 7 a.m. to 9 p.m. and Saturdays from 9:00 a.m. to 3:00 p.m.
    • Visit an OU Credit Union branch.


    If I deposit money in the ATM, when is it available to me?
    The money is available immediately, but the limits for your ATM withdrawals for the day still apply.

    How do I set my overdraft to not count as part of the 6 transfers allowed by Reg D?
    Request your overdraft to be transfered from an existing line of credit loan such as OU Credit Union Visa Credit Card or Instant Cash as the first option for overdraft.

    How do I close my account with OU Credit Union?
    You may request to close your account in person at any OU Credit Union branch location or by written request. Please be sure to include your signature with your written request for verification.

    Mail your request to:
    Oakland University Credit Union
    PO Box 1208
    East Lansing, MI 48826

    For express mail, please send your request to:
    Oakland University Credit Union
    3777 West Rd.
    East Lansing, MI 48823

    You may also request to close your account via the secure eMessage Board located within ComputerLine.

    How old do I have to be to be a Silver Sail member?
    To be a Silver Sail member you must be 55 years of age or older.

    What benefits and services will I receive if I am a Silver Sail member?
    Silver Sail members receive the following benefits: Personal service from the Specialty Accounts coordinator, Classic Checking account with no monthly fees, free checks, free money orders, free cashier's checks, free notary services, and free domestic wire transfers.

    What is phishing?
    Fraudulent emails known as phishing scams pose as your financial institution or other trusted business in order to obtain your personal and financial information. Phishing is a particularly devious scam because it attempts to exploit the relationship of trust that you have with those businesses.

    For more information, please visit our Phishing page

    What is APY?
    APY is Annual Percentage Yield. This is the rate of return over a one-year period. For an dividend-bearing deposit account, such as a savings account, the effective annual rate of return taking into account the effect of compounding dividends.

    What is APR?
    APR stands for Annual Percentage Rate. This is the one year rate that is charged for borrowing (or made by investing). By law, credit card companies and loan issuers must show customers the APR.

    Why didn't I receive a 1099-INT form?
    If your account did not earn a minimum of $10 in dividends during the taxable year, a 1099-INT form is not created. You can view your dividends earned year-to-date within ComputerLine. If your account meets this requirement, you may have elected to receive your OU Credit Union tax documents electronically. To view, print, or save your tax document, log into ComputerLine, select the Manage menu and click eStatements under the Account Information & Research section.

    How do I add a joint party to an existing account?
    To add a person as a joint party on your account, return a completed membership application to OU Credit Union at a branch or by mail to:
    Oakland University Credit Union
    3777 West Rd.
    East Lansing, MI 48823

    Be sure to include your current account number, all completed joint party information, and signatures from all current account owners as well as the new joint party's signature.

    How do I change my name on my account?
    To make a legal name change, we must receive a completed OU Credit Union Name Change Form. Download this form and return it to:
    Oakland University Credit Union
    PO Box 1208
    East Lansing, MI 48826

    For express mail, please send your request to:
    Oakland University Credit Union
    3777 West Rd.
    East Lansing, MI 48823

    We will print new cards and checks for your account bearing your new name.

    How do I change the contact information on my account?
    Sign into your ComputerLine account to update your home address, email address, or phone number on your account.If you have more than one base account number you will have to sign into each account separately to update your contact information.

    Are my funds insured?
    All share accounts at OU Credit Union (including Insured Money Management Accounts, Certificates, Grizzly Savers and checking accounts) are insured by the National Credit Union Administration (NCUA) for $250,000. IRAs are insured for an additional $250,000. The NCUA provides insurance for credit unions in the same way that the FDIC provides insurance for banks. Additional information about share insurance and OU Credit Union's financial security can be found here.

    How do I add or change account beneficiaries?
    To add or change a beneficiary on your account, please send a completed Beneficiary Designation form by mail to:
    Oakland University Credit Union
    PO Box 1208
    East Lansing, MI 48826-1208
    ATTN: Member Services

    Print the Beneficiary Designation form.

    What is the credit union's BIC, IBAN, or SWIFT number?
    OU Credit Union's SWIFT Code is MSUCUS44.

    I have lost my checkbook. What should I do?
    Lost or stolen checks should be reported as soon as possible at an OU Credit Union branch, by telephone at 248-367-4708 or 800-766-6828, or by using the Contact Us form.

    How do I wire funds from another financial institution to my OU Credit Union account?
    To wire funds to OU Credit Union from another financial institution, you will need to provide the other financial institution with the following information:
  • OU Credit Union Address: Oakland University Credit Union, 3777 West Rd., East Lansing, MI 48823.
  • Routing Number: 272479663
  • SWIFT Code: MSUCUS44
  • Your base account number and your two-digit ID: For example, if your account number is 123456-03, 123456 is your base account number and 03 is your two-digit ID designating your savings or checking account. Your two-digit ID number can be found on your account statement, your white membership card, and on the main Account Summary screen in ComputerLine.

    There is a fee to receive a wire transfer to your OU Credit Union account, see our Fee Schedule for additional information.

  • Can I purchase a Savings Bond at the Credit Union?
    No. Savings Bonds can not be purchased at the Credit Union.

    The U.S. Department of the Treasury discontinued over-the-counter sales of paper savings bonds, effective January 1, 2012. Because of this change, savings bonds are no longer available for purchase through OU Credit Union. We will continue to redeem existing paper savings bonds for our members.

    For more information and to purchase savings bonds, please visit treasurydirect.gov.


    Android Pay
    What is Android Pay?
    Android Pay allows you to pay for your purchases with your compatible Android device by holding your phone near a contactless reader.

    What do I need to get started with Android Pay?
    To get started with Android Pay, you will need: • An OU Credit Union Visa Debit or Credit Card • Android Pay app from the Google Play Store • KitKat 4.4 or later

    Is Android Pay free?
    Yes, Android Pay is free to use. Please be aware that message and data rates may apply based on your data plan.

    My device is having trouble capturing the card details off of my card through my camera, what do I do?
    In the event your card detail cannot be captured by your phone through your camera, you will need to enter your card information manually.

    How do I change my default card in Android Pay?
    The first credit or debit card you add to Android Pay automatically becomes your default card. This is the card that will appear when you use Android Pay at a contactless payment reader when checking out.

    To change your default card:
    • Open the Android Pay app. • Double tap a card, then touch “Set as default card.” • Or touch and drag a card to the "Default card" spot at the top of the app's home screen.

    Do I need to be connected to the internet to use Android Pay?
    No, you do not need to be connected to the internet to use Android Pay for in-store contactless payments.

    How are my privacy and personal information protected?
    Android Pay does not store your credit or debit card number on the device. So your name, card number, or security code is not revealed to merchants.

    Am I able to opt out of Android Pay at any time?
    Yes. Adding your credit or debit cards to Android Pay is your choice; you can add and remove cards when needed.

    How do I use Android Pay to make a purchase?
    When shopping in-store, simply unlock your Android device and hold the device in front of a contactless terminal. The digital account information stored on the device will be transmitted directly to that contactless reader. Then you will receive a purchase confirmation.

    Are my credit and debit card numbers passed to the merchant?
    No, your credit and debit card numbers are NOT stored on your Android device or on Android servers. This helps to reduce the potential for fraud. Instead, a digital account number is used, and passed to the merchant.

    Can I remove my Digital Account Number stored on my Android device?
    Yes, you are able to easily delete the account from your device. If you delete your digital account you will still be able to continue to make purchases with your physical payment card.

    What should I do if my Android device is lost or stolen?
    If your Android device is lost or stolen, you can go to Android Device Manager to lock your device from anywhere, secure it with a new password, or wipe clean your personal information.

    Can I continue to use my plastic card if I suspend or remove my card in Android Pay?
    Yes. Only your device-specific Digital Account Number is affected when you suspend or remove your cards in Android Pay.

    What if I need to return an item?
    The return process varies by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your Android Pay-enabled device over the contactless payment terminal and wait to confirm the refund has been processed.


    Bill Payment
    What do I need to set up Bill Payment?
    You will need an ComputerLine access and an OU Credit Union checking account.

    How much does Bill Payment cost?
    Bill Payment is free for all non-business account holders (i.e., consumer accounts).

    How will I know if a payment is sent electronically or by check?
    When you are in the Payments tab, listed under the payee name, it will state whether the payment was sent electronically or by check.

    What happens if my electronic payment fails?
    If your electronic payment fails and is returned to our Bill Payment provider, you will receive a phone call to resolve the issue.

    Can I rush a payment?
    Yes, for an additional fee, you can send payments with expedited shipping during the setup process.

    Can I view Bill Payment Check images?
    Yes. View Bill Payment check images by selecting Manage from the top menu in ComputerLine, then choosing Bill Payment History or See All Check Clearings in the Account Information and Research section.

    Are the funds withdrawn from my account the day the bill is scheduled?
    If your Bill Payment is sent electronically, the funds are withdrawn the day the payment is sent.

    If your Bill Payment is sent as a check, you can elect to have funds held until the check clears your account, or wait until the check is reconciled. Whichever you select will be in effect from that date forward. You may change this preference at any time. Please note: check holds cannot be placed on Gift Checks or Rush Payment Fees.

    To update this preference on your account, select Manage from the top menu in ComputerLine, then choose Change Bill Payment Check Holds in the My Information and Preferences section.

    Can I stop a payment?
    Yes. If your Bill Payment was sent by check, we can stop payment on the check if it has not cleared your account. If an electronic payment is scheduled, you may stop the payment the day prior to its process date. Fees may apply for a stopped Bill Payment check.

    Can an IMMA be a checking option in Bill Payment?
    No. The IMMA is considered a savings account and can not be used for Bill Payment.

    Can I use Bill Payment for international payments or transfers?
    No. Bill Payment can only process domestic payments and transfers. Please contact the credit union for other international payment or transfer options.

    What is the minimum Bill Payment amount?
    Payments or transfers must be at least $1.00.

    What is the maximum Bill Payment amount?
    The maximum bill payment amount depends on the type of payment made. Electronic payments have a limit of $25,000.00 per day; account to account transfer limit is $25,000.00 per day; and electronic payments to individuals via email are limited to $10,000.00 per day.

    Can I setup a transfer to another financial institution within Bill Payment?
    Yes, you can set up transfers to and from another U.S. financial institution. You will need to know the account number and routing number, and be able to verify four trial transactions to the account.

    Can I setup a payment to another OU Credit Union account within Bill Payment?
    Yes, however the payment may take a few days to process.

    If you want to make an immediate payment to another OU Credit Union savings account or loan, please call 800-766-6828, or use the Transfer menu within ComputerLine to make a transfer to a loan or sub-savings account on your base account number.

    To send funds to another OU Credit Union base account number within Bill Payment, select Add a Payee, then Pay an Individual. This will allow you to set up a payment to another base account number.

    Will the Bill Payment checks have my information on them?
    Yes, the Bill Payment checks will have your name and address in the upper left hand corner. It will be as if you wrote the check to the merchant.

    What is the cut off time for scheduling Bill Payments?
    The Bill Payment cut off time is 4:30 p.m., Monday through Friday.

    Are Bill Payments processed on the weekend or holidays?
    No. Bill Payments are not processed on the weekends or on the following Federal Reserve Holidays: New Year's Day, Martin Luther King Jr.'s Birthday, Presidents' Day, Memorial Day, Independence Day, Labor Day, Columbus Day, Veteran's Day, Thanksgiving Day, and Christmas Day.

    Is Bill Payment compatible with Macs?
    Yes, Bill Payment is compatible with the Mac operating system and browsers.

    What browsers are supported by Bill Payment?
    Internet Explorer 6.0 and up (PC only), Firefox 2.0 and up (PC and Mac), Safari 2.0 and up (Mac).

    Why can't I see my responses to my TrulyU security questions?
    Due to system limitations, TrulyU answers will be blocked out within the Bill Payment system.


    Chip Cards
    What is chip and signature technology?
    It is enhanced security for you, making it difficult for someone to gain access to your information. When you use your card at a chip-activated terminal, the chip generates a single-use code that cannot be duplicated. During your purchase, the merchant may require a signature to approve the transaction. Simply follow the prompts to complete your purchase. The back of your card will still have a magnetic stripe and may be used where chip cards are not accepted.

    How do I get a chip card?
    Starting in May 2016, we will begin the process of upgrading all OU Credit Union debit and credit cards to chip cards. All members should have their new chip card by the end of the year. If you'd prefer not to wait, just contact us via the eMessage Board in your ComputerLine account, by calling 800-766-6828, or by stopping in a branch.

    Can I opt-out of receiving a chip card?
    No. All OU Credit Union Visa Debit and Credit Cards are now equipped with chip technology.

    Why does my card look different?
    To accommodate the chip and to provide you with a well-designed card, we needed to adjust the look of many of our debit and credit cards.

    Your new OU Credit Union Visa Debit or Credit Card may be used everywhere Visa is accepted -- even if that location does not accept chip cards. At locations where chip cards are not yet accepted, you may swipe your card. You may continue to use your chip card at ATMs the same way as with your previous Visa Debit or Credit Card(s).

    How do I know if I should use the chip or swipe?
    If you swipe your card at a business that accepts chip cards, the terminal will prompt you to insert your card to continue with your payment.


    ComputerLine How-Tos
    How do I apply for a loan in ComputerLine?
    Sign into ComputerLine, select Manage from the top menu, and click Apply for a Loan under the Create or Modify Accounts section. Choose from auto loans, Visa Credit Cards, personals loans, home equity loans, and more!

    How do I check the status of a loan application?
    Sign into ComputerLine, select Manage from the top menu, and click View Application Status under the Create or Modify Accounts section.

    How do I check my share balance?
    Your share balance(s) will be displayed on the Account Summary screen upon logging into your ComputerLine Account.

    How do I check my loan balance?
    Your loan balance(s) will be displayed on the Account Summary screen upon logging into your ComputerLine Account.

    How do I view my share history?
    Sign into ComputerLine and click the name of the share for which you wish to view the transaction history.

    How do I view my loan history?
    Sign into ComputerLine and click the name of the loan for which you wish to view the transaction history.

    How do I view my deposit history?
    Sign into ComputerLine and click the name of the share for which you wish to view the deposit history. Click the Advanced Options button. Enter the date range for which you wish to view the deposit history and be sure to only check the box for Deposits. Click the Search button. Your deposit history will be displayed.


    ComputerLine/Website
    How do I know if I am set up to use ComputerLine and MoneyLine?
    Most members are automatically set up to use these services when they open their new account. You can check your status by calling us at 248-364-4708 or 800-766-6828 or by visiting a branch.

    What do I need to start using ComputerLine?
    You must be a member of OU Credit Union and have a password setup for ComputerLine.

    If you do not have or do not remember your password, please contact us at 248-364-4708 or toll-free 800-766-6828, or send us a secure email.

    I have a message from the Credit Union. How do I read it?
    Click Messages from the main ComputerLine menu.

    Why can't I see my cancelled checks in ComputerLine?
    Some retailers, merchants, and billing companies convert paper checks to electronic checks. If a check is returned to us electronically, we do not receive a copy of the actual check. You can often request a copy from the merchant that processed the check.

    Also, please note that only cancelled checks for the past six months are available in ComputerLine. To request a copy of a check that posted prior to six months ago, please contact us.

    My account says it's frozen, what happened, and what do I do?
    As part of the security of the system, your account will be frozen after five attempts to logon with an incorrect password. This works for both MoneyLine and ComputerLine. If you receive this message, contact the credit union for assistance at 248-364-4708 or toll-free at 800-766-6828, or send us a secure email.

    How can I change my ComputerLine password?
    Select Manage from the main ComputerLine menu, then select Change Password from the My Information & Preferences section.

    Is ComputerLine secure?
    The credit union's ComputerLine software uses Secured Socket Layer (SSL) encryption so your account and transaction information is protected. This prevents computers along the route from eavesdropping on data between our site and you.

    What browser will work with ComputerLine?
    ComputerLine is accessible by any computer running Windows, MacOS, or Linux. Two of the most popular browsers on the market are Firefox and Microsoft Internet Explorer. Your browser needs to support 128-bit encryption. AOL 5.0 and higher and Internet Explorer 6.0 and higher support this level of encryption. Web TV is not supported by ComputerLine. Macintosh users should use either Firefox or Apple Safari browsers.

    I receive the error The Identity Certificate Uses an Unknown Signature Algorithm.
    Some Mac users may experience this problem if their browser is an older version. This can be corrected by upgrading browsers to a newer version.

    Why doesn't my IRA appear with my list of share accounts?
    Your IRA is given a separate account number. IRA statements are issued quarterly and can provide this information.If you are unable to locate this account number or need a new password to view your IRA online, you can request this information by calling our Call Center at 248-364-4708 or toll-free at 800-766-6828, or send us a secure email.

    Can I make IRA contributions over ComputerLine?
    Yes, you can make contributions over ComputerLine for the current year to an existing IRA Insured Money Management Account (IMMA) or 1-Year Add-On IRA Certificate. To make a contribution, select the Transfers menu in ComputerLine.

    How do I tell what level of security my web browser is?
    Visit our Security Requirements page. This page will automatically determine your browser's security strength.

    How do I transfer between two different OU Credit Union accounts?
    If your account has been set up for this service, your other account will appear in one of the drop down boxes in which you select the account to transfer from/to. You must contact us to let us know which accounts you would like set up for this type of transaction. Once this has been setup, select the Transfers menu in ComputerLine to move funds from one account to the other.

    What are my loan payment options in ComputerLine?
    You may make a one-time loan payment from your OU Credit Union account to your OU Credit Union Loans. You may also schedule an ACH from another financial institution to your OU Credit Union loans by selecting the Schedule a Transfer button within the Transfer menu.

    Why am I only allowed 6 transfers per month?
    Regulation D is a Federal Regulation which limits the number of automatic/electronic transfers per month (ACH, ComputerLine, OUCU Mobile app, or MoneyLine) from any type of savings account. This does not include transfers performed at the teller window or ATM. Learn more about Reg D.

    How do I see the loan rate (APR) for the loans that I have at OU Credit Union?
    Once logged into ComputerLine, click the plus sign to the left of your loan name to view your loan information. This information includes your credit limit, Annual Percentage rate (APR), payoff amount, year-to-date interest paid, and more.

    Why is my Available Balance different than my Actual Balance?
    When you purchase an item with your Visa Debit Card, transactions may take a few days to clear your account. The advantage to using the Visa Debit Card is that the funds will automatically be held for you as a preauthorization charge.

    Example: Your beginning balance is $400.00. You go to the store and make a $100 purchase.
    When you check your balance at the ATM or on ComputerLine you will see two balances:
    Available balance of $300.00.
    This is how much money that you can spend (not including any checks that have not yet cleared). Notice that when using the Visa Debit Card your available balance is changed immediately and the funds are placed on "hold."


    Balance of $400.00. This is the amount that is technically still in your account, because the Visa Debit Card transaction that you just made has not cleared your account.


    eDeposit
    Will the funds from checks deposited via eDeposit be immediately available?
    Although checks will automatically be deposited to your account when eDeposit is used, a hold may be placed on these funds. In some cases, we may need to extend the hold on a deposited item. If we decide to extend the hold on a deposited item, we will provide you with a notice and tell you when the funds will be available.

    What do I need to access eDeposit?
    To access eDeposit, you will need: a computer with internet access, a digital camera or TWAIN compatible scanner

    What is eDeposit?
    eDeposit is a ComputerLine feature that allows you to electronically deposit checks or apply them to your credit union account using any compatible scanner.

    What internet browsers may I use with eDeposit?
    The following browsers are supported by eDeposit, eDeposit works best with the most up to date version of browser offered: Internet Explorer 10 or later, Mozilla Firefox, Google Chrome, and Safari.

    What operating systems work with eDeposit?
    eDeposit will work on the following computer operating system versions or newer versions: Windows 7 , OS X 10.9, iOS 7, Android 4.1

    Why did my scanned check get rejected by eDeposit?
    There are a number of factors that may cause your check to be rejected during the eDeposit process. The most common reasons for check rejection are: Check number could not be read; Check amount could not be read; Check date could not be read; Blank or suspect check; Front signature was not detected or is missing; Account number, routing number, or other check data could not be read; Invalid routing number information. If you are uncertain as to why your check has been rejected, please contact us online or by calling 248-364-4708 or 800-766-6828.

    What are the eDeposit image upload requirements?
    Check images should be formatted as JPG, TIFF, or PNG image files. Other formats such as PDF are not supported. If uploading scanned checks, ensure they are scanned at 200-300 DPI. If taking photos with a camera, the minimum recommended resolution is 1600x1200 pixels and the file sizes should not exceed 2 MB.

    When I try to access eDeposit, I get an error message when processing my request asking me to retry
    Some members may encounter this issue if they do not have their browsers set up to allow third party cookies. Cookies are small files that websites put on your computer hard disk drive when you first visit to store preferences and usernames for that specific site. To access eDeposit, you will need to adjust your browser’s settings to enable third party cookies. If you continue to encounter this problem, contact MSUFCU online or by calling 248-364-4708 or 800-766-6828 for further assistance.

    Tips for taking a check image to eDeposit
    Make sure both sides of your check are filled out correctly and endorsed. Follow these tips when capturing your image: -Turn off image sharing when capturing the check image. -If using your camera, take the photo in a well-lit location and place your check on a dark, non-reflective background. -Make sure all 4 corners of the check are visible. -Re-take or re-scan the check if the images are blurry. -Editing or cropping of images is not required.


    eStatements
    What are eStatements?
    eStatements are an electronic notice of your monthly or quarterly statements which will take the place of your mailed paper statements. An archive of eStatements is accessible in ComputerLine by selecting the Tax Information & eStatements button on the Account Summary Screen.

    How much does OU Credit Union's eStatement service cost?
    There is no charge for eStatements.

    How do I sign up for eStatements?
    Sign into ComputerLine and select Manage from the main menu, then select Statement, eAlert & Notification Settings from the My Information & Preferences. Under Statement & Notification Settings, select Electronic as your delivery method for the appropriate statements and/or notices (If you have a Totally Gold Checking account, you will be unable to change your statement preferences, as electronic Account Statements & Transaction Notices are required). Enter and confirm your current email address and agree to the online disclosure.

    How will I receive my eStatements?
    You will receive an email from OU Credit Union, stating that your eStatement is available in ComputerLine. View your eStatements by selecting the Tax Information & eStatements button on the Account Summary Screen within your ComputerLine.

    Why did I have to give my email address to sign up?
    The primary member's email address is needed to send an email notification that your statement is available on ComputerLine.

    Will my eStatement be available in ComputerLine if for some reason I don't receive my email notification?
    Yes. Your eStatement and email notification is independent of one another. If you do not receive your email notification, your eStatement will still be available in ComputerLine.

    What do I need to view my eStatement?
    You will need ComputerLine access and and a PDF reader to view your statement.

    What if I don't have Adobe Acrobat Reader?
    This free software program is available for download at: www.adobe.com/products/acrobat/readstep2.html. Click on the download button. Select Save from the pop up menu (we recommend that you save to your hard drive). Double click on the file and select Next in the series of pop-up boxes. Then select Refresh/Reload on your browser.

    How do I print my eStatement?
    Using Adobe Acrobat Reader, press the printer icon on the toolbar. You can either print the entire statement or just a particular page.

    How do I save my eStatement?
    Using Adobe Acrobat Reader, press the disk icon on the toolbar. You will then be asked where on your computer you would like to save it.

    On my eStatement, there is a Tracer number that follows the draft number—what is this?
    The tracer number corresponds to the number printed on the back of each check by the credit union's check-clearing machine. It is used to identify the drafts for the purpose of retrieving the check's image.

    Why can't the joint account holder receive an eStatement notification?
    According to the law, we must deliver the statement to the primary account holder.

    Is my eStatement secure and safe?
    Yes, your statement is stored behind firewalls and is transmitted to your Internet Browser using 128-bit encryption.

    When will my eStatement be available?
    Your eStatement will be available during the first week of the statement cycle.

    How long will my eStatement be available?
    A 3-year archive of eStatements is available within ComputerLine. View your eStatements by selecting the Tax Information & eStatements button on the Account Summary Screen.

    What if I want to cancel my eStatement?
    Sign into ComputerLine and select Manage from the main menu, then select Statement, eAlert & Notification Settings from the My Information & Preferences. Under Statement & Notification Settings, select your delivery method for the appropriate statements and/or notices (If you have a Totally Gold Checking account, you will be unable to change your statement preferences, as electronic Account Statements & Transaction Notices are required).

    Can I have my eStatement email notification sent to more than one email address?
    No, we can only send your eStatement notification to one email address.

    How do I notify the credit union of my new email address?
    Update your email address by clicking your name on the Account Summary screen in ComputerLine. You will then have the opportunity to update your email address and other Contact Information.

    Can my eStatement information be exported to other programs?
    No, OU Credit Union eStatements cannot be saved as a text file and imported into Microsoft Word or any other text programs. eStatements can only be saved as PDF files.
    eStatements can, however, be viewed as a webpage.

    Will I be able to get my Visa Credit Card statements electronically?
    Yes. Sign up to receive Visa eStatements by logging into ComputerLine. Select Manage from the main menu, then select Statement, eAlert & Notification Settings from the My Information & Preferences. Under Statement & Notification Settings, select Electronic as your delivery method for the appropriate statements and/or notices. Enter and confirm your current email address and agree to the online disclosure.


    FICO® Scores
    What is a FICO® Score?
    A FICO® score is a three-digit number calculated from the information on your credit report. Lenders typically use your credit score to determine the likelihood you'll be able to pay them back.

    What makes up a FICO® Score?
    FICO® Scores are calculated using information in five categories from your credit report. The categories and their corresponding percentages make up your FICO® Score:
    35% - Past History
    30% - Amount Owed
    15% - Length of Credit History
    10% - Types of Credit in Use
    10% - New Credit


    Why is OU Credit Union providing FICO® Scores?
    OU Credit Union offers members with an active lending relationship the ability to view their FICO® Score updated quarterly as a way to better understand their financial health.

    Will receiving my FICO® Score from the Credit Union affect my score?
    No. Your FICO® Score will not be affected.

    How do I opt out of having my FICO® Score displayed?
    You may opt-out of the ability to view your FICO® Score within the View FICO® Score screen.

    Why don’t I have a FICO® Score?
    You may not have a FICO® Score if you do not have any credit history, or if you do not have a lending relationship with OU Credit Union.

    How long will negative information remain on my credit files?
    It depends on the type of negative information. Here’s the basic breakdown of how long different types of negative information will remain on your credit files:
    • Late payments: 7 years
    • Bankruptcies: 7 years for a completed Chapter 13, and 10 years for Chapters 7 and 11
    • Foreclosures: 7 years
    • Collections: Generally, about 7 years, depending on the age of the debt being collected
    • Public Record: Generally 7 years, although unpaid tax liens can remain indefinitely
    Keep in Mind: For all of these negative items, the older they are the less impact they will have on your FICO® Scores. For example, a collection that is 5 years old will hurt much less than a collection that is 5 months old.

    What actions can help my score?
    Generally, lenders see less risky borrowers as those who have:
    • Timely bill payments
    • Low balances
    • Open relatively few new credit accounts
    • Rate shop within a short period of time


    Where can I go to find out more about FICO® Scores?
    To find out more about FICO® Scores, visit scoreinfo.org or check out the FAQs about FICO® Scores and Understanding FICO® Scores educational information posted to our website.


    Loans
    Can I refinance my OU Credit Union auto loan?
    Yes, you may refinance your auto loan that's already at OU Credit Union; however, the balance of the loan will be increased by $2,500. The vehicle must have at least $2,500 in equity for the loan to be refinanced.

    If I am approved for the loan, am I obligated to take the loan?
    No, you are not obligated to accept the loan. You will have six months to accept the loan. If you do not accept the loan within six months, you must submit a new application.

    How long is my loan approval valid?
    Loan approvals are valid for six months.

    Can I have a loan with OU Credit Union even though I live out-of-state?
    Yes, all consumer loans are available to our members who live and work in the U.S. However, mortgages and Prime Advantage Home Equity Loans are limited to properties located in Michigan.

    What happens if loan rates go up or down during my approval period?
    Your rate may go up or down during the approval period. You will get the rate that is in effect the day you take the loan.

    When will I know if my loan has been approved?
    Loans can be approved quickly if processed over the phone or in person. ComputerLine applications are generally processed within 1 business day.

    To what address should I mail my loan payments?
    Loan payments should be mailed to:
    Oakland University Credit Union
    PO Box 4097
    East Lansing, MI 48826-4097.

    What is a "ReadyLoan check?"
    A ReadyLoan check is a blank check that is good for up to the amount you were approved for.

    How does OU Credit Union determine what interest rate I qualify for when I finance a new or used vehicle?
    The term length of your vehicle loan and your credit score will determine your interest rate. Primary and joint applicants have to give authorization for OU Credit Union to pull their credit reports. The highest score on the application will be used to determine your rate.

    How long is a credit report good for on an application before another credit report has to be pulled?
    Credit reports are good for six months. If you have not disbursed on your loan within six months of the last credit report, then a current report will have to be pulled.

    What credit bureau does OU Credit Union use to determine loan approvals?
    OU Credit Union typically uses Experian.

    For what loans can I use Skip-A-Pay?
    Skip-A-Pay can be used for auto loans, RV loans, boat loans, motorsport vehicle loans, Home Improvement Loans, personal loans, Instant Cash, and Visa Credit Cards. Skip-A-Pay cannot be used for first mortgages, Prime Advantage Home Equity loans, or business loans.

    What is the fee for Skip-A-Pay?
    A $35 fee will be assessed for each Skip-A-Pay requested.

    How often can I use Skip-A-Pay?
    You may skip up to two (2) non-consecutive monthly payments on each loan per calendar year.


    Mobile Apps
    How do I sign into OUCU Mobile?
    You will need your OU Credit Union username (or account number if you have not yet set up a username) and ComputerLine password. If you do not remember your account number or password, please contact us by calling 800-766-6828 or using the Live Chat function on our website.

    What can I do with the OUCU Mobile app?
    You can perform a number of transactions with the OUCU Mobile app.
    • View transaction history
    • Search for branches, ATM locations, Shared Branches
    • Contact us
    • View Loan and Dividend Rates
    • Use financial calculators
    • Transfer funds
    • Make loan payments
    • And, more.


    Can I use Bill Payment via the OUCU Mobile app?
    Yes, you can use Bill Payment in the OUCU Mobile app. Just look for MoveMoneySM in the menu.

    OUCU Mobile is available for which mobile devices?
    OUCU Mobile is currently available for iPhone®/iPad ®/iPod® Touch and Android® phones.

    Is OUCU Mobile App as secure as ComputerLine?
    Yes. Security is a top priority at OU Credit nionU. All transactions conducted via the OUCU Mobile app are secure. After signing in with your username and password. If you are in the app and not actively using it, you will be automatically logged our after an extended period of time. We recommend that you take additional precautions by adding a security code for your phone and turning off auto-complete features.

    What is the OUCU Mobile App?
    OUCU Mobile is a free downloadable application to securely access and perform transactions on your OUCU account.


    Mortgages
    What are your current Mortgage Rates?
    We have a rate hotline that is updated as rates change. To listen to our current rates, please call 800-678-4968 ext. 2240. You may also click here to check our current mortgage rates.

    What are points?
    Points are the option to reduce your interest rate for your loan by paying a fee. This pre-pays part of your interest, so that interest payments are reduced over the term of the loan. Each point is equal to 1.0% of the loan balance. For example, if you pay 1 point on a $100,000 loan, the cost of the point is $1,000, 2 points cost $2,000, and so on. Each point you pay will lower your interest rate by approximately 0.25%. On a $100,000 loan, each point will lower your payment about $17 a month.

    Why do I need PMI (private mortgage insurance)?
    PMI is required by those members whose down payment is less than 20% of the loan. Mortgage insurance was created to allow consumers to purchase a home without a large down payment. Many home buyers do not have savings that are equal to 20% of the value of the home they wish to purchase. Lenders typically do not lend money at low interest rates for more than 80% of the home value. This is because lenders need to be protected in the event of default or foreclosure. Borrowers who have at least 20% equity in their homes tend to default less often. Mortgage insurance assumes the risk on the loan amount above 80% of the home value. The insurance cost is included in your monthly mortgage payment if you need PMI.

    How do I remove PMI (private mortgage insurance) from my mortgage loan?
    You can remove/cancel PMI (private mortgage insurance) from your monthly payment without refinancing. Once you have paid down your mortgage or your property has appreciated to the point that you have 20% equity in your home and you haven't missed a mortgage payment in the past twelve months, you can send a formal request to the OUCU mortgage department. Your request will be reviewed and if you qualify, the PMI will be removed from your loan.

    What is the difference between fixed-rate and adjustable-rate mortgages?
    A fixed-rate mortgage is a loan that the principal and interest payment never change during the life of the loan. An adjustable-rate mortgage is a loan that the interest rate can change periodically based on the market rates that exist at the time the rate is subject to change. Initially, adjustable rates are generally lower than fixed rates, but can adjust upward if interest rates rise. There is a predefined cap which limits how high the interest rate can adjust.

    How do adjustable-rate mortgages work?
    There are many types of adjustable-rate mortgages, but there are common features among them. One common feature of adjustable-rate mortgages is an interest rate change that occurs after a stipulated number of payments have been made. The interest rate can increase or decrease depending on how the new interest rate is calculated. Typically, the interest rate change is based on a predetermined index value such as the treasury bill rate, prime, the cost of funds from the Federal Home Loan Bank or the lender's internal cost of funds plus a margin. If a mortgagor currently has an interest rate that is pending adjustment, the new rate would be calculated by adding the current index rate and a margin. For example, if the mortgagor's current rate is 6.00% plus a 2.00% margin, the new rate would be 8.00%. The maximum amount the interest rate can change during any adjustment period is usually fixed. This maximum adjustment is called the cap. Adjustable rate mortgages also have a lifetime cap, preventing the interest rate from exceeding a predetermined rate.

    What are escrow accounts and how much do I need in my escrow account?
    Escrow are payments made by a mortgager to a mortgagee (OUCU) for the purpose of paying your taxes, insurance and other payments associated with home ownership. The mortgagee (OUCU) is responsible for the timely disbursement of escrow funds to pay your bills as they come due. Usually, OUCU will collect the funds for placement into your escrow account with your periodic payment for your mortgage's principal and interest. This ensures that the escrow account has sufficient funds in the account to pay your bills when they come due. It is common practice for mortgage companies to hold an escrow cushion for a mortgagor. The cushion is kept by the mortgage company to assure that the cost of any escrowed item were to increase in the future, there would be sufficient funds to pay all bills as they come due.

    What type of property will OU Credit Union originate mortgage loans for?
    OU Credit Union will originate a mortgage loan for single-family, owner-occupied, Michigan property. The property can be a condominium, second home or vacation home.

    What is a loan estimate?
    This is a disclosure, required by law, that every lender must provide to the borrower within 3 days of application. This is a "best" estimate of all the figures associated with acquiring your property loan.

    Can I make my mortgage payment on ComputerLine?
    Yes. To make a mortgage payment on ComputerLine, under the "Transfers" menu, select "Share To Mortgage Transfers." Select the mortgage loan number, and click the "make a payment" button. Enter your payment amount and confirm. Once you have clicked confirm, it does not need to be clicked again. Doing so may submit more than one mortgage payment.

    I just made my mortgage payment on ComputerLine. Why can't I see it?
    When a payment is made by ComputerLine, the withdrawal will be made from your account immediately, and the payment will be reflected on your mortgage after 5 p.m. the following business day.

    Can I see my mortgage history on ComputerLine?
    Yes. Mortgage history can be viewed by clicking on the "Mortgage Loan History" option under the "History" menu on the toolbar. If you have more than one mortgage, or have refinanced your loan with us several times, there may be more than one loan option. Simply select the loan you wish to view and click "Submit."

    Can I make a principal-only payment to my mortgage on ComputerLine?
    As long as you are current on your mortgage payments for the month due, you have the option to make a principal-only payment. Proceed through the same steps as if you were making a regular mortgage payment and select "principal only" from the drop down box when asked what type of mortgage payment you are making.

    How much does a rate lock cost?
    There is no fee to lock in your interest rate. If the rate goes down during your mortgage process and you want to take advantage of the lower interest rate, the re-lock fee is only $250. The option to lock or re-lock your interest rate is available up until 10 days before your mortgage closing.


    MyDesign℠
    What is OUCU's MyDesignâ„  Visa Card?
    It is a card style available for select OU Credit UnionVisa Debit and Credit Cards. With the MyDesignâ„  Card, a member can customize his/her card with personal pictures, or choose from OU Credit Union's MyDesignâ„  Image Gallery. The card number and cardholder name are printed on the card and may not be able to be used at manual card machines.

    Which OUCU Debit and Credit Cards can be customized as a MyDesignâ„  Card?
  • OU Credit Union debit and credit cards
  • The OUCU MyDesignâ„  Card is NOT available for Prime Advantage Visa Credit Cards or ATM cards.


  • How do I create my personal OU Credit Union MyDesignâ„  Debit or Credit Card?
    • Customize yourOU Credit Union MyDesignâ„  Visa Debit or Credit Card at home by logging in to ComputerLine and opening the MyDesignâ„  Card Creator under the Manage section. Upload an image of your choice or select an OU Credit Union-approved image from the MyDesignâ„  Image Gallery. You will receive an eMessage within one (1) business day with the approval status of your card image.
    • If you create your MyDesignâ„  Card at a branch, you can select a preloaded image from the Image Gallery. You will not have the option to upload a custom image from a ComputerLine kiosk.


    What size and format does my image need to be for a OU Credit Union MyDesignâ„  Card?
    Images need to be a minimum of 1033 pixels by 657 pixels and must be in a .jpg, .png, or .gif format.

    What is the cost of an OUCU MyDesign℠ Visa Debit and/or Credit Card?
    Your first OUCU MyDesign℠ Card is free. If you opt to update or alter your card image on either your debit or credit card during each 12-month period that particular card is issued, there will be a $5.00 fee per card.

    How do I get my OU Credit Union MyDesignâ„  Visa Debit or Credit Card after it's ordered?
    Your card sent will be sent to the address on your account, mailed cards should arrive in 7-10 business days.

    Are there any guidelines to what images I may put on my OU Credit Union MyDesignâ„  Visa Debit or Credit Card?
    • All OU Credit UnionMyDesignâ„  card orders that contain a picture uploaded by an OUCU member will be reviewed by credit union staff. A MyDesignâ„  Visa Debit or Credit Card may not contain any of the following:
      • Trademarks, logos, slogans, company names, copyrighted material or brands from any third party
      • Copyrighted material or branded products
      • Celebrities, actors, musicians, public figures, cartoons, professional or collegiate sports teams or athletes
      • Telephone numbers or addresses, web addresses, account numbers or Personal Identification Numbers (PINs)
      • Images that are deemed provocative, sexual, violent or otherwise offensive, have nudity or semi-nudity, profanity or obscenities
      • Alcohol, tobacco, or firearms
      • Any reference to Visa-sponsored events (e.g., the Olympics or Super Bowl)
      • Images which show illegal or anti-social behavior
      • Culturally insensitive images
      • Images that might result in the card being rejected at the point of sale
      • Any image that may potentially denigrate the Visa brand
      • Images which display the opinions of political, religious, or socially unacceptable groups (e.g., gangs, supremacy)
      • Reproduction of currency
      • Images that may interfere with the security features of the card
      • Any image OU Credit Union deems unacceptable to be associated with the Oakland University Credit Union brand


    How do I know if my OU Credit UnionMyDesignâ„  Card image was approved?
    If your image was denied, you will receive a notice through OU Credit Union's eMessage Center, found in ComputerLine. If your card image was denied you will have the option to upload a different image and submit that image for approval.

    Can each cardholder on my account have a different card design?
    Yes, a joint party and/or authorized user can have a different card design than the primary member.


    Password Reset
    How can I automatically reset my password?
    If you use a username to log into ComputerLine, you can reset your password immediately by clicking here. You will need to provide your username and date of birth.

    We will send a verification code to the email address or mobile phone (via text or automated voice message) associated with your account. Once you have entered the verification code, you will be able to update your password.

    If you use your base account number to log into ComputerLine you will not be able to automatically reset your password. Please contact us to have a new temporary password issued.

    How can I receive my verification code to automatically reset my password?
    When resetting your password, you can elect to receive your verification code via email, text message, or automated voice message. You will be able to see partial contact information for your account and make your selection based on that information. If the information is not correct, please contact us to update it.

    When will the automatic password reset verification code expire?
    Your verification code will expire after ten minutes.


    Quicken
    How do I add my OU Credit Union account to Quicken or QuickBooks?
    To add your account to Quicken, simply enter your OU Credit Union base account number or username and ComputerLine password into Quicken/QuickBooks and it will automatically download transaction history for your account.


    Samsung Pay
    What is Samsung Pay?
    Samsung Pay allows you to pay for your purchases with your compatible Samsung device by holding your phone near a contactless reader.

    What do I need to get started with Samsung Pay?
    To get started with Samsung Pay, you will need: • An OU Credit Union Visa Debit or Credit Card • Samsung Pay app from the Google Play Store • Galaxy S6, S6 edge, S6 edge+ and Note 5 phones

    Is Samsung Pay free?
    Yes, Samsung Pay is free to use. Please be aware that message and data rates may apply based on your data plan.

    My device is having trouble capturing the card details off of my card through my camera. What do I do?
    If your card details cannot be captured by your phones camera, you will need to enter your card information manually.

    How do I change my default card in Samsung Pay?
    The first credit or debit card you add to Samsung Pay automatically becomes your default card. This is the card that will appear when you use Samsung Pay at a contactless payment reader when checking out.

    Can I set a default card for Samsung Pay:
    No, Samsung Pay does not have the option to set a default card. When you open Samsung Pay, the most recently used, viewed, or added card will display.

    How do I replace my old OU Credit Union Visa Card with a new card in Samsung Pay?
    • Open the Samsung Pay app. • Tap the card you want to delete. • Then tap “Delete Card” located in the upper-right. • Verify your fingerprint or Samsung PIN as appropriate. • Then upload your new card by using your camera or entering it manually.

    Do I need to be connected to the internet to use Samsung Pay?
    No, you do not need to be connected to the internet to use Samsung Pay for in-store contactless payments.

    How are my privacy and personal information protected?
    Samsung Pay does not store your credit or debit card number on your device. So your name, card number, or security code is not revealed to merchants.

    Am I able to opt out of Samsung Pay at any time?
    Yes. Adding your credit or debit cards to Samsung Pay is your choice; you can add and remove cards when needed.

    How do I use Samsung Pay to make a purchase?
    Swipe up from the home button. Or, select the Samsung Pay app icon from your home screen or app tray. Authorize payments by scanning your fingerprint or entering your pin then hover your phone over the in- store card reader.

    Are my credit and debit card numbers passed to the merchant?
    No, your credit and debit card numbers are NOT stored on your Samsung device. This helps to reduce the potential for fraud. Instead, a digital account number is used and passed to the merchant.

    What should I do if my Samsung device is lost or stolen?
    If your Samsung device is lost or stolen, you can go to “Find My Mobile” to remotely lock or erase your payment cards.

    Can I continue to use my plastic card if I suspend or remove my card in Samsung Pay?
    Yes. Only your device-specific Digital Account Number is affected when you suspend or remove your cards in Samsung Pay.

    What if I need to return an item?
    The return process varies by merchant. You may need to present a receipt from the merchant to return the item. To complete the return, hold your Samsung Pay-enabled device over the contactless payment terminal and wait to confirm the refund has been processed.


    Select Home & Auto
    How do members request an insurance proposal?
    Members can call 877-843-1006 or submit an online insurance proposal here. You will receive your insurance proposal within one business day of receipt of your initial request.

    What information is needed to receive a proposal?
    In most cases, members will have a general knowledge of a majority of the information that is required to provide an initial proposal. If a member is interested in enacting a policy, the member will be advised to refer to the coverage limits listed on the current policy declaration page or information from other sources.Upon receipt of any proposal request, we will contact the member within one business day and present a personalized insurance proposal directly to the member.

    How do members enact a policy?
    A Sales Representative works directly with the member to present the proposal and to assist with completing the insurance application. Upon receipt of the completed application and initial premium, the Sales Representative will provide the member with a temporary insurance binder. The application is then submitted to the insurance company, which issues the policy to the member.

    What payment options are available?
    Each insurance company has their own billing plans and you will pay premiums directly to the insurance company. We will take into consideration your preferred payment method when preparing your proposal.

    How are claims handled and policies serviced?
    Each insurance company has a 24-Hour Toll-Free Claim Hotline and directly processes claims. Requests such as policy changes, billing inquiries or service items will also be handled directly by the insurance company during business hours. The member should contact Members Home & Auto if they are ever dissatisfied with the service that they receive from the insurance company.

    Is a group discount available to OU Credit Union Members?
    Yes, the group discount varies by insurance company from 5% to 20%.

    What insurance companies participate in the program?
    Members have access to the following and several other top insurance companies:Citizens Insurance™, Frankenmuth® Mutual Insurance Company, Travelers, Ohio Casualty Group®, Drive® Insurance from Progressive and Allied Insurance - a Nationwide® company.


    Username Sign In
    I forgot my username. How can I reset it?
    Request your username by visiting the Forgot Username page, linked just under the ComputerLine sign-in box.

    Will each username need to have a unique password?
    It is not a requirement. However, we encourage you to change your password to be different from any joint member's password. By having unique passwords, each individual sign-in will be more secure. If there are multiple people on the account, all parties will be prompted to reset their password.

    What are the username requirements?
    Usernames must be between eight and 20 characters long and must begin with a letter. They may include numbers but not special characters.

    Can I set up my username via the mobile app?
    Yes, you can set up your username via the mobile app.

    Can I change my username?
    Yes, you are able to change your username by selecting Manage in the top menu in ComputerLine and then clicking Change My Username under My Information and Preferences.

    I have multiple accounts. Can I use the same username?
    Each member on each base account number will have a unique username. Usernames may not be repeated.

    Will enrollment alerts be sent to joint parties on the account?
    No, alerts can only be sent to the primary’s email address.

    I received my TrulyU questions when accessing my account on a mobile device, but I opted to only receive TrulyU questions on unknown devices. Why is this happening?
    The verification code feature is not yet available in the mobile app. If you choose to have a verification code sent upon sign-in the security preferences selection screen during the enrollment process, you will receive TrulyU challenge questions at every sign-in.

    Will ComputerLine appear different to me once I set up my username?
    No. Usernames do not change the appearance, functionality, or privileges within ComputerLine; it only changes the sign-in process.

    How will usernames work with MoneyLine?
    You will continue to access MoneyLine using your base account number.


    Visa/ATM Cards
    What is the difference between my ATM and Visa Debit card?
    Your ATM card can be used at ATMs to withdraw funds from your account. Sometimes it is accepted as a debit card. The Visa Debit Card works like an ATM card and credit card combined into one. You can use your Visa Debit Card to access funds from your account at the ATM and also make purchases at any store that accepts the Visa Debit Card. When you use the card, the amount of your purchase is automatically deducted from your checking account. Although the Visa Debit Card works like a credit card, it is NOT a line-of-credit.

    I applied for a Visa Debit/Visa Credit card. When should I expect to receive my card?
    Upon approval, your new card should arrive in approximately 7-10 days.

    How do I change the PIN for my OU Credit Union ATM or Visa Debit Card?
    You can update the Personal Identification Number (PIN) for your OU Credit Union ATM, Debit, or Credit Card within ComputerLine, or at a branch.

    My wallet was lost/stolen. What do I do about my cards?
    Visit a nearby branch, call 844-484-0044 or contact us online so that we can take the necessary precautions to protect your account.

    We will stop payments on the numbers of checks that have been stolen/lost. With proper identification, we will issue new cards for your account.

    What is the ATM charge for machines that are not on the CO-OP Network?
    OU Credit Union will charge you $1.00 per transaction and there is usually a surcharge from the institution that owns the machine. This surcharge can range from $1.00 to $3.00 and will be displayed on the ATM screen before your transaction is completed.

    What are the fees for the Visa Debit Card?
    The Visa Debit Card has no fees. There are unlimited transactions and the funds are debited from your checking account. Be aware that some merchants use least-cost-processing and may process your transaction as a debit card payment instead of a credit, unless you specify otherwise. In that case, you may be charged an out of network fee.

    To what address should I mail my Visa payments?
    Visa payments should be mailed to:
    Oakland University Credit Union
    PO Box 1208
    East Lansing, MI 48826-1208

    For express mail, please send your payment to:
    Oakland University Credit Union
    3777 West Rd.
    East Lansing, MI 48823

    Is there a limit to how much money I can withdraw using my ATM card?
    There is a daily withdrawal limit of $500 per account number.

    How do I dispute a charge on my Visa statement?
    Contact our Visa department at 248-364-4708 or 800-847-2383. Depending on the type of charge and circumstances involved, we will order a merchant copy of the receipt. We also need a detailed, signed letter of explanation from you before we can seek charge back rights and credit your account.

    The ATM captured my Visa Debit Card/ATM card. Do you have it or do I need to request a new card?
    If you were using an OU Credit Union ATM, the card will be returned to us and we can return it to you. If not, please contact us and we will block the captured card and order a new card with a new PIN.

    When I use my Visa Debit card for a purchase, how long does it take for the charge to appear on my account?
    If you select "debit," you will be asked for your PIN number and the purchase will be deducted from your checking account instantly. If you choose "credit," you will be asked to sign a receipt and the charge will appear normally within a few days.

    What is a cash advance? My Visa statement says I have a cash advance interest owing. I never made a cash advance.
    A cash advance is funds forwarded from a Visa account by a Visa check, withdrawal at the teller or ATM, or for overdraft protection. Reviewing your statements should reveal when the cash advance occurred. Cash advances accrue interest immediately.

    I already have a credit card, why would I want to open one through the credit union?
  • Great low rates
  • Credit limits from $2,500 to $50,000
  • 25-day grace period on purchases paid in full
  • No annual or balance transfer fees
  • Remote access through ComputerLine, MoneyLine, and the OUCU Mobile app
  • Overdraft protection for your checking OU Credit Union account
  • Worldwide access to funds at participating institutions

  • Can I use the same PIN for my ATM and Visa Debit cards?
    Yes.

    Why is my OU Credit Union Visa card being used, even though I have not used it?
    If your account uses your Visa Credit Card as an overdraft protection, your account may have automatically withdrawn money from your Visa to cover a transaction.

    What is the difference between using my Visa Debit card as a debit or credit, and which is better to use?
    Take advantage of all of the benefits of your Visa Debit Card by always selecting 'credit.' The funds will still be withdrawn directly from your checking, and you will receive the purchase protection of Visa, a service that does not apply if you choose 'debit.'

    Selecting 'credit' also helps keep your PIN safe from unauthorized access. Be sure to immediately record any purchase made with your Visa Debit Card; transactions will not appear immediately in your records and may be processed several days later.

    I applied for a Visa Credit Card. Can I do a balance transfer to pay off my other credit cards?
    Yes, you can transfer credit card balances to your OU Credit Union Visa in several ways. Contact us online or at 248-364-4708 or 800-766-6828, and we can transfer your balances electronically, issue cashier's checks to transfer your balances, or issue you blank checks that you can complete and send to your other creditors.

    How can I cash advance my Visa, and are there any fees?
    Cash advances can be done through the teller line at any bank that accepts Visa. Each institution may charge a small fee. A cash advance can also be made through the ATM. If it is not one of our free machines there may be a surcharge. An advance can also be made over the phone and deposited to your account, or you may write out a Visa check for deposit. Though there is not a cash advance fee at OU Credit Union, interest will begin to accrue immediately.

    Can I use my Visa card abroad?
    All our Visa products can be used internationally anywhere that Visa is accepted- including the Visa Debit Card. An international service fee of 1% for PIN-based transactions or 3% for signature-based transactions will be assessed for purchases made outside of the U.S.Due to fraudulent transactions occurring internationally, some Visa/ATM card transactions may be temporarily blocked in certain countries. Visit the Blocked Card Transaction page to verify in which countries your card is currently blocked.

    What countries are currently blocked for Visa transactions?
    Due to fraudulent transactions occurring internationally, some Visa/ATM card transactions may be temporarily blocked in certain countries. Visit the Blocked Card Transaction page to verify in which countries your card is currently blocked.

    What is Fraud Alert Management?
    Fraud Alert Management is a fraud prevention service from Visa. This system provides continual monitoring of card activity to identify and help protect your accounts against fraudulent use. When unusual spending behaviors or transactions appear on your card, a Fraud Alert Management service representative will contact you by phone to verify the suspicious transactions. If the transactions are not yours, Fraud Alert Management will assist you in blocking your cards and reporting unauthorized usage.

    How do I know if a call to verify Visa transactions is really from an OU Credit Union representative and not someone trying to steal my information?
    A Visa Fraud Alert Management System call will be an automated recording. The recording will state that the call is from Oakland University Credit Union and will request that you verify information. OU Credit Union will only request that you verify information that we already know.

    How do I increase my Visa credit limit?
    Increases to your Visa credit limit may be requested at any of our branch locations, via telephone at 800-766-6828, or by using the Loan Application located in ComputerLine.

    What number should I call to activate my Visa Credit Card?
    Activate your OU Credit Union Visa by calling 844-484-0044.

     

    MSUFCU Routing Number: 272479663
    MSUFCU SWIFT Code: MSUCUS44

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