Can I stop a debit card transaction from clearing my account?
Typically a debit card transaction cannot be stopped. If a fraudulent activity has occurred, speak to a Member Service Representative at 573-686-7221 as soon as you feel a fraud has occurred.
Can I stop an ACH payment from clearing my account?
Please contact one of our six branch locations to process a stop payment form. An Ozark FCU employee must complete this form.
Should I notify the Credit Union if I am traveling out of the state or country?
Yes, it would be an excellent idea to put a traveling notification on your debit card as some states are flagged. If your card does not work while you are out of town, call our office and speak to a Member Service Representative or call the number on the back of the card. Remember, the debit card does not work internationally.
Is there a monthly fee to use Online Bill Pay?
There is not a monthly fee as long as you have at least one bill paid through this service every month.
A monthly fee of $5 charged for each month you do not use the service.
What is the safest way to pay my bills electronically; by ACH, Debit Card, or Online Bill Pay?
ACH is the safest way to pay your bills online. You will initiate the payment amount with the company you are paying on their site. The company will request the funds to be transferred electronically.
The Debit Card allows you to purchase items over the web easily but has limitations in some states.
OFCU offers Online Bill Pay to our members, where you initiate sending the money from your account. Payments will be transferred electronically when available, or a check will be mailed on your behalf. Mailing a check could delay the date payment is received with a company.
How do I wire money to my account at Ozark FCU?
The Wiring Instructions are:
Wire To:
Millennium Corporate Credit Union
8615 West Frazier
Wichita KS 67212
ABA Routing Number: 301180111
Further Credit To:
Ozark Federal Credit Union
ABA Routing Number 281581144
Final Credit To:
Members Name and Account Number
How do I set up a Direct Deposit?
ClickSWITCH is another excellent tool to set up your direct deposits and automatic payments. Call an OFCU Member Service Representative to sign up for ClickSWITCH.
How do I change my address on my account?
An Address Change Form must be filled out. A Teller, Member Service Representative or a Loan Officer can assist you.
If I move away will I have to close my Ozark FCU accounts?
No, once you have joined Ozark FCU, you can remain a member as long as you have an active account. We encourage you to make at least one deposit to your account a year to keep the account from becoming dormant.
How do I remove a joint owner?
A joint member can only be removed by closing the account and opening a new account.
How do I add a joint owner to my account?
If you are opening your account(s) with a joint member, they must be present during the enrollment process to validate their identity.
A joint member can be added to the account at a later date, but keep in mind that all members listed on the account must be present when adding an individual to an account.
What happens when my debit card is compromised?
Our ATM network monitors debit card transactions and sends alerts to our institution when they find suspicious activity on an account. If they feel a purchase is questionable, they might call the cardholder and verify a transaction. If a card is compromised, an OFCU employee will make a new card at the member’s convenience.
You can temporarily block and unblock your card via the Brella app if you have misplaced your card.
In the event of a lost or stolen debit card, our contact information is:
During NORMAL business hours, call 573-686-7221 or 800-786-7221 to speak with us directly.
On NIGHTS or WEEKENDS, call 800-383-8000 or 515-558-7608 if you are out of the country.
In either case, please have ready your name, account number, your card number (if you know it), and the name that appeared on the card. Appropriate action will be taken as soon as you report the loss or theft.
How secure is the Mobile App and Online access to my account?
Firewalls secure our mobile app and our online account for your protection.
We always recommend a member never shares their account information with anyone not authorized to use the account. It is recommended not to use public Wi-Fi internet access when logging onto your account, and always log off when you have finished.
Never share your account information over the phone unless you initiate the transaction. Phishing, skimming cards, computer hacking is, unfortunately, something we all must be diligent in guarding our identity.
How do I sign up for the Mobile App?
Speak with a Member Service Representative or a teller to complete this process.
We have a Mobile App Brochure available under Resources/ OFCU Documents for step-by-step instructions.
What is the maximum daily limit I can get using my debit car?
A member can process transactions two ways on their card. They can process up to $500 a day using a PIN-based transaction and $1,500 a day using a Credit-based (signature) transaction. The total combined usage is $2,000 total a day using your debit card.
Why do I need to keep $25 in my Share Savings account?
The $25 is your required minimum balance for your membership share in the credit union for individual members accounts for adults 18 years of age and older.
Why is my balance and available balance different show up different on my account?
Your account balance and available account balance might be different due to pledges or holds are placed on accounts for various reasons; a deposited check hold, or a debit card transaction has not cleared, for instance. The share savings holds the $25 membership from your available balance is another example.