Frequently Asked Questions
You can open your membership online, here, and choose to add your choice of accounts in addition to the required Share Savings Account. Additionally, you can mail a completed Membership Application with a copy of your driver's license to P.O. Box 5005, Hilliard, OH 43026 or apply at one of our branches.
You can add new accounts through our Online Banking and Mobile App through the "Create New Shares" button on the Account screen. We can also add Secondary Savings and Christmas Club accounts over the phone, as well as Certificates of Deposit, provided you have the funds available in your other accounts.
All other accounts will require you to sign and complete a new Membership Application with a copy of your driver's license and can be mailed to P.O. Box 5005, Hilliard, OH 43026 or completed in person at one of our branches.
If you have checks, you can find this number as the 9-digit number at the bottom of each of your checks. You can also find it here or call 800.443.5698 during our normal hours of operation.
Online Banking / Mobile App Users:
Your checking account number(s) can be found by clicking on the account once you’ve logged into Online Banking or our Mobile App. The account number can be found as the "MICR Number" in the “Account Info” section of the checking account.
If you have checks, your account number can be found as the 10-digit number at the bottom of your check. Alternatively, you can contact us at 800.443.5698 to request your account number be mailed to you or visit one of our branches to receive it. Due to security concerns, we are unable to give you your account numbers over the phone.
Please mail your payments to the following address:
Credit Union of Ohio
P.O. Box 5005
Hilliard, OH 43026
To reset your PIN, please have the card on hand and call 888.886.0083. This automated system will prompt you for information to verify your identity and allow you to set your desired PIN.
Please call us at 800.443.5698 and let us know the date you’ll be leaving, when you’ll return, and whether you will be leaving the United States. You can also inform staff at one of our branches or send us a message through the Online Banking / Mobile App "Secure Message" found under the "More" menu with the same information as above.
Please note that for your account security, many transactions originating outside your state of residence or outside the country are automatically blocked without a travel exemption. We cannot place permanent travel exemptions on your cards.
You can reset your password through our Online Banking or Mobile App by clicking "Forgot Password” and entering your Username. A verification code will be sent to your choice of the email or cell phone we have on file. Enter the verification code to reset your password.
We limit ATM withdrawals to $800 per day and $400 per transaction.
This can happen for a number of reasons. Please check the following list for possible solutions:
If none of the above list apply, the card may be blocked for various reasons. Please call us at 800.443.5698 for further assistance.
If you have lost your card or suspect it’s been stolen, you should go to your Online Banking or Mobile App to block your card. Once inside the Online Banking or the Mobile App, you’ll go to the “Cards” tab and select “Block Card” on the missing card and “OK” on the following window. If you find the card you may Unblock your card using the same screen.
If you need to replace your card for any reason, please call us during our normal business hours of operation at 800.443.5698 to request a replacement card or visit one of our branches.
Click here for an instructional PDF on how to set up your direct deposit using myohio.gov. Our routing number is 244077886. Please visit a branch if you don’t know your account number. You can also submit a request to have it mailed to you over the phone by calling 800.443.5698. Due to security concerns, we are unable to give you your account numbers over the phone.
The Ohio State University Employees
Click here for an instructional PDF on how to set up your direct deposit through the Employee Self Service page. Our routing number is 244077886. Please visit a branch if you don’t know your account number. You can also submit a request to have it mailed to you over the phone by calling 800.443.5698. Due to security concerns, we are unable to give you your account numbers over the phone.
You’ll need the account number and our routing number, 244077886, for the account you want your deposits to go into. Please visit a branch if you don’t know your account number. You can also submit a request to have it mailed to you over the phone by calling 800.443.5698. Due to security concerns, we are unable to give you your account numbers over the phone.
Please keep in mind not every employer handles direct deposit the same way and some may not offer direct deposit.
Online Banking / Mobile App Users
You can set up automatic transfers by clicking the “Transfer Money” link, choosing your From and To accounts, entering the transfer amount, and entering the "Frequency" settings. Selecting anything other than “No Repeat” will allow you to choose an optional End Date.
You can set up an internal transfer to be triggered by payroll deposits by signing and completing this form. You can mail the completed form to P.O. Box 5005, Hilliard, OH 43026, faxing it to 614.487.6659, or return to one of our branches.
To transfer funds to another member’s account using the Online Banking or the Mobile App, go to "My Finance" followed by "My Recipients." If you have not already established contacts, you'll first need to send the recipient an invite using their name and email address or phone number. We'll send them an invite where they'll be requested to provide their routing and account numbers. Once you have a contact established, you'll be able to send money to the contact's account.
Loans with Credit Union of Ohio
Loans with another institution
Payments set up through our Online Bill Pay system will generate as a live check to be mailed out to the intended recipient. The money will not be debited from your account until the recipient processes the check which may take a number of days.
Regulation D is a government regulation restricting you to six (6) electronic transfers, checks, and withdrawals FROM a savings account in any given month, with no restriction on the transactions TO the account. Once you’ve reached this limit, you will be unable to make transactions using Online Banking, the Mobile App, or Phone Banking.
Online Banking / Mobile App Users:
To change your address, please go to the “Profile” page found under the “More” menu. Once there, you may update your mailing address, email, and / or phone number by clicking "Edit." Click “Save” to submit the changes.
We’ll need you to sign, complete the relevant section(s), and mail or fax in our Account Changes Form to P.O. Box 5005, Hilliard, OH 43026. To fax, send the form to 614.487.6659. Or you can visit one of our branches.
To reorder checks, please click here and follow the prompts to place your order. You can also call or text us at 800.443.5698, send us a message through Online Banking / Mobile App, or visit one of our branches.
Overdraft Privilege is an optional addition to a single checking account on your membership. From this account, rather than bounce a check when there isn’t enough money to cover it, we’ll allow the check to clear for a one-time fee of $34. You have a limit of $500 that can be cleared beyond your available funds.