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.

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.

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.

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.

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

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

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

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

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.

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.

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

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

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

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

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

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.

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.

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.

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.

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.