Ocean State Credit Union Online Banking Services are ALWAYS open.

Easily manage your accounts, view balances, pay bills, and transfer funds anytime, anywhere. You are just one click away from Online Banking - an online service from OSCU. It’s safe, secure, easy to use, and accessible from any computer. Online banking is available whenever you want to perform a transaction, day or night.

Features Include:
  • PIN encryption and secure server with enhanced online security and multifactor authentication
  • 24/7 availability
  • View checking account balances and history
  • View savings and loan history
  • Complete fund transfers
  • Receive and pay bills electronically with Bill Pay Service
  • Verify and view cleared checks
  • Ability to nickname your accounts
  • View and print statements by enrolling in Online Statements
  • Set up email alerts and notifications
  • Access to Mobile and Text Banking Service
To take advantage of Online Banking complete the sign-up form at any Ocean State Credit Union location.

Add Online Bill Pay

Manage and pay your bills electronically in one place using only one password. It’s simple! Just log-in to your Online Banking Account and click on “Bill Pay.”

  • Customize the accounts you’d like to pay
  • Schedule payments day or night
  • Make one-time payments or set recurring payments

Online Statements

Online Statements can be accessed through Online Banking. Switching is safe, easy, and environmentally friendly. PLUS it eliminates unnecessary paper mail. Log-in now to enroll!

  • View your statements online for at least 6 months
  • View check images
  • Print your statements
  • Save your statements and images to a file.

Online Banking & Mobile Banking is Safe and Secure.

Whether you’re at home, at work, or on the road, Ocean State Credit Union is here for you online and on your phone 24 hours a day, seven days a week. We understand the sensitive nature of your financial records, and that is why we think it is important that you are confident in our security standards. This is why we’ve employed our Enhanced Login Security including Multifactor Authentication.

What is Multifactor Authentication?

Authentication is the process used to allow access to only the correct customer. Without effective authentication controls, it is possible for fraudulent users to access your account. We authenticate customers by issuing challenges that only the true customer should be able to pass. Multifactor Authentication means two or more different types, or factors of authentication must be passed. By using two different factors of authentication, we get a higher assurance that the customer is the correct intended user. MFA is commonly used to protect transactions at ATMs, where your card is some-thing you have, and your PIN code is something you know. Similarly with EMFA, your phone is something you have, and your password is something you know. For convenience, after you successfully authenticate with your password and One-Time Passcode (OTP), you may enroll your computer for use in authentication. If you choose to enroll your computer, a special Browser Cookie will be present on the system, which will act in place of your phone for something you have in your possession.

What information will be required?

You will be prompted for your password. In addition you will be required to provide information that enables us to send you a OTP. We recommend that you enroll your personal mobile phone. Enrolling a phone number that is shared with others is not recommended. Instead of answering a Challenge Question, you will receive an OTP at the number you enroll. Optionally, you may then enroll your computer to act in place of your phone. Once you enroll your computer, the rest of your online banking experience will remain exactly the same.

Can I access my accounts from other computers or smart devices?

YES. You can access your accounts from any computer, phone, or smart device. However, when you authenticate from a system that does not have the special Browser Cookie, you will need to authenticate using the Phone OTP instead. You may enroll multiple devices, but be mindful not to enroll a device that you don’t often use, or that is shared with people you do not know. Enrolling anon-trusting device is equivalent to lending your ATM card to a stranger. If you have any additional questions or require additional information regarding Multifactor Authentication/Enhanced Login Security, please contact us at (401) 397-1900.

Beware of Identity Thieves

Please note that there may be attempts by identity thieves to distribute false communications to obtain your personal and account information. Ocean State Credit Union will never send you unsecured email or other correspondence requesting that you provide us with confidential information, such as your Online Banking User ID, account number, card number, social security number, PIN or password. As always, if you receive any unsolicited e-mails, phone calls, or other suspicious attempts to gain personal or confidential information, please call us immediately at (401) 397-1900.



Online Banking Important Information



Q: What is Internet Banking?

A: Internet Banking is a tool that allows you to use a personal computer with an internet connection to conduct your banking online.

Q: What can I do with Internet Banking?

A: You can view account balances, transaction history, statements, checks, transfer money, pay bills, download transactions to a personal financial manager and much more.

Q: Is any of my personal information stored in the Internet Banking product?

A: Yes, the Internet Banking product stores your Username, Password and User Preferences.

Q: How current is my banking information?

A: Your account information is updated every business day with new transactions that were posted to your account the previous business day

Q: What accounts will I be able to access through Internet Banking?

A: You can access your checking, savings, investment and loan accounts from the Internet Banking service. Our Internet Banking Product is intended to give you as much access, security, and versatility as possible.

Q: How much account information can I view at once?

A: The system will automatically show the current month's transactions and information. However, you may select a date range to view previous transaction information.

Q: Can I view my account details in more than one way?

A: Yes, you can view your accounts by date in ascending order, or search using an amount or description.

Q: What formats can I download my transaction history in?

A: Internet Banking supports downloads to Excel (.csv), OFX, Quicken (.qfx), or QuickBooks (.qbo).

Q: Can I schedule future transfers?

A: Yes. You may schedule either one-time or recurring future transfers.

Q: When can I use Internet Banking services?

A: With Internet Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How long can I be inactive before being logged out of the Internet Banking product?

A: The inactivity time out is 10 minutes. However, you will receive a warning message alerting your 1 minute prior to logging out due to an inactive session.

Q: What is required to use the Internet Banking service?

A: All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®/Edge, Google Chrome®, Mozilla Firefox®, or Safari®. You may use any computer that has Internet access.

Q: How do I access Internet Banking?

A: You must first complete the Internet Banking registration form and submit it to us. Once your registration is received we will process your request. You will need a Username and Password to access the service for the first time. You will receive your Username and Password by mail. You must have a primary Share Account before banking online.

Q: Can I create my own password that is easy for me to remember?

A: Yes, once you have logged in for the first time with an assigned Username and Password, you will need to create a unique Username and Password that meet the criteria found in the Online Banking Login Instructions.

Q: What happens if I forget or lose my password?

A: Just click on "Forgot Password" and follow the steps to reset your Password. If you have gone through the process and still require assistance, please contact us at (401) 397-1900.