Here are some answers to frequently asked questions and tips to help you better use our website.

Q: What exactly is a credit union and how does it function?
A: A credit union is a not-for-profit financial cooperative organized by people who share a common bond. All credit unions were originally formed by groups of people who decided they wanted to control their own financial destiny. Since Oregon Federal Credit Union is owned by you, there are no stockholders who personally benefit from our success. After operating expenses are covered, the credit union's net earnings are distributed to its members as dividends, reduced finance charges on loans, and improved services, or are retained as reserves. This is why credit unions are not-for-profit.

Q: Who is eligible to join Oregon Federal Credit Union?
A: Click here to see a map of our service area.

Q: How safe are my deposits in your credit union?
A: Each member's funds at Oregon Federal Credit Union are insured to $100,000 by the National Credit Union Administration(NCUA), a U.S. Government Agency. Click here to visit NCUA's web site. Click here for more information about our Federal Insurance.

Q: Where is ____ on your Website?
A: For a quick and easy way to find what you're looking for, check out our Site Index, click here.

Q: What types of merchant account transactions can I do online using Internet Banking?
A: You can access merchant accounts, review or print your merchant account activity history, transfer funds, make transfers between your merchant accounts, make loan payments and download account information into your point of sale management software.

Q: When are Internet Banking transactions that I perform posted to my account?
A: Transactions are posted as they are received.

Q: How do I view my account history in Internet Banking?
A: First sign in to Internet Banking, then select Account Summary. Note that each account listing is underlined. Click on the underlined listing you want and the history screen for that account will appear.

Q: Using Internet Banking, can I download account information into my money management software?
A: Yes, you can download account information into Quicken, MS Money and Managing Your Money. Simply click on the "Export" button from the Account Access menu, and download your account information. Now you're ready to balance your checkbook, track your expenses, and much more.

Q: Can I change my password in Internet Banking?
A: Yes, we encourage you to change it periodically. Click on the "User Options" button from the account access page to change your password. Remember, changing your Internet Banking password will not change your CLARA or ATM Card passwords and vice versa.

Q: Is my password case-sensitive in Internet Banking?
A: Yes. If you specify "uppercase" and "lowercase" when changing your password, you must log in to Internet Banking using the same format.

Q: Do I have to press the "Exit" button in order to leave Internet Banking?
A: No, but we highly recommend doing so. By properly exiting Internet Banking, you can be assured that all communication is severed and that your next log in session is free of any unnecessary problems. We strongly suggest that our users act ually click on the "Exit" button to leave Internet Banking after each session.

Q: I have lost my Visa card, what do I do?
A: Please call 1-800-991-4965 to report your card lost or stolen. If you tell us within two business days, you can lose no more than $50 if someone else uses your card without your permission. If you do not tell us within two business days, you could lose as much as $500. Go to VISA's website for more information.