No, it is not possible to unilaterally remove a joint owner from an account. Joint ownership implies equal rights and responsibilities for all parties involved. Any changes to joint ownership require mutual agreement and action by all account holders. If you have concerns or wish to make changes to the ownership structure of your account, please contact our member service representatives who will guide you through the necessary steps and provide assistance accordingly.

Yes! With Ozark Federal Credit Union’s mobile and online banking, you can instantly turn your debit card off to prevent unauthorized transactions. Here’s how:

From your Mobile App:

1. Log in to your online banking from the Ozark Federal Credit Union mobile app.
2. Click on the Menu.
3. Select Remote Control Cards.
4. Choose Active or Disabled for the card you want to control.

From your Desktop:

1. Log in to your online banking at www.ozarkfcu.com.
2. Click on the menu button in the upper left-hand corner.
3. Select Remote Control Cards.
4. Choose Lock or Unlock for the card you wish to control.

(Terminology may vary by device)

This feature adds extra security by allowing you to turn your card off while you search for it or request a replacement.

Alternatively, you can contact our member service representatives at 573-686-7221 to request immediate deactivation of your card. We're here to assist you with securing your finances and ensuring peace of mind.

Your daily debit card limits are as follows:

• PIN Transactions: Up to $500 per day.
• Credit Transactions: Up to $1,500 per day.
• Daily Transaction Total Limit: A combined total limit of $2,000 per day.

These limits are designed to provide both security and convenience while using your debit card for various transactions. If you have any specific inquiries or need adjustments to your limits, please feel free to contact our customer service team for assistance.

Reporting fraudulent activity on your debit card is crucial to safeguarding your finances. Here's what you should do:

1. During normal open hours: If you notice any suspicious transactions, promptly call us at 573-686-7221. Our dedicated Member Service Representative will guide you through the necessary steps to report the fraud and secure your account.
2. After hours: If you encounter fraudulent activity outside of our normal operating hours, it's important to act swiftly. Contact Shazam at 833-288-1126 to report the fraud and initiate appropriate measures to protect your account.
3. Emergency card shutdown: In cases of immediate concern, such as suspected card theft or unauthorized use, you can directly call Shazam at 800-383-8000 to shut down your card and prevent further unauthorized transactions.

By taking prompt action and following these steps, you can help mitigate the impact of fraud on your account and protect your financial well-being.

To open an account with us, you will need to bring the following documents:

1. Non-expired government-issued photo ID: This could include a driver's license, passport, or state ID card.
2. Proof of current physical address: Examples of acceptable documents include utility bills, rental agreements, or official correspondence that displays your name and current address.
3. $25.00 for your member share: We require a nominal fee of $25.00 to establish your membership share. This helps support our commitment to providing exceptional services and benefits to our members.

Adding someone to your account is a straightforward process designed to ensure security and accuracy. Follow these steps:

1. Visit our branch: Both the person you wish to add and all current account holders must visit one of our branches together.
2. Bring necessary identification: Ensure that everyone brings non-expired government-issued photo identification for verification purposes.
3. Proof of current physical address: Examples of acceptable documents include utility bills, rental agreements, or official correspondence that displays your name and current address.
4. Complete the required forms: Our staff will provide you with the necessary forms to add a new member to your account. These forms must be filled out accurately and signed by all parties involved.
5. Review account details: Take this opportunity to review and confirm account details, including any changes or additions being made.
   
   By following these steps, you can easily add someone to your account while ensuring the security and integrity of your financial information.

Signing up for online banking is easy! Simply click here to fill out the registration form. Once completed, our team will review your submission and guide you through the setup process.

Activating your new card is a simple process. Follow these steps:

For an Instant Issue Debit Card: 

1. Visit any ATM: Locate any of our ATMs conveniently located in your area.
2. Check your account balance: Insert your new card into the ATM and follow the prompts to check your account balance. You'll need to use the Personal Identification Number (PIN) you chose when you set up your card.

For Mailed Debit Cards: 

1. Follow the directions provided with the debit card that was mailed to you. 

By following these steps, you can quickly and easily activate your new card and start using it for your banking needs. If you encounter any issues or require assistance, please don't hesitate to contact us for support at 573-686-7221.

Ensuring uninterrupted access to your card during travel is essential. Here's what you can do:

1. Contact a Member Service Representative: Alternatively, you can reach out to our Member Service Representative at 573-686-7221 to set up a travel notice over the phone. They will assist you in ensuring your card remains accessible during your trip.
2. Use the Brella app: Download the Brella app (App Store, Google Play), where you can conveniently submit travel notices. This informs us of your travel plans, reducing the likelihood of your card being flagged for suspicious activity while you're away.

By taking these proactive steps, you can enjoy peace of mind knowing that your card will be available for use wherever your travels may take you.