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Help

Online Banking

Online Banking is safe, secure, confidential, and gives you more convenient access to your accounts anytime, anywhere. Check your account and loan balances, review recent account activity, make transfers between accounts, pay bills, make remote check deposits, and more!

Access Online Banking
Online Banking is easy to access. Visit the online banking login page. Enter your account number and password into the fields provided, then click login. First-time users will need to use their Phone Teller PIN as their password. If you need help logging on, please call our Member Service Contact Center and a representative will assist you.

Mobile Banking
View your account information and transfer funds from the convenience of your mobile phone anytime, anywhere. Visit our website from your mobile device, then login to Online Banking to access your account. View the Mobile Banking How-To Guide.

You will be charged access rates depending on your carrier. Web access is needed to use Mobile Banking. Check with your service provider for details on specific fees and charges.

Online Banking Features

ID Check
The credit union’s online banking security feature ID Check requires you to correctly answer a security question to confirm your identity before you logon to your account, when using an unrecognized device.

Accounts

Account Summary
Get up-to-the-minute account balances, loan balances and account histories on the account summary page. You can also view previous and current year dividends earned and interest paid, Visa® Credit card account information and account transaction history. Plus, you can also view current balance, available credit, three months of history, payment due, year to date interest and current month charges (from the last posting date).

Pending Transactions
Your transaction history screen will display pending ACH deposits or withdrawals to your checking account. Details of a pending credit transaction will not display in your transaction history, but a type of “hold” will be placed on your account for preauthorizations that affect your available balance. Your account balance can often differ from your available balance due to a pending transaction or “hold” on your account. For example, gas stations often “hold” up to $75 or more from your account when you fill up even though your final transaction amount may only be $30. That gas station transaction will eventually clear your account for $30 but they “hold” the funds from your available balance until the transaction clears. Regularly viewing your pending transactions and available balance may help you avoid unexpected overdraft fees.

Account Export
To help manage your finances, Online Banking offers the ability to download your account information. Easily export account information directly into your personal financial management software or export to a Comma Separated Value (CSV) file.

Bill Pay

Online Bill Pay
Tired of the hassle of writing checks to pay for recurring monthly bills? Looking for an easier and secure way to make payments? Then use Bill Pay, a convenient way to pay your bills through Online Banking. With Bill Pay, you can pay almost anyone using a computer. You can schedule single payments as well as weekly, bi-weekly or monthly payments from a list of established vendors, or add your own. You can even send a check to an individual. And, it’s as easy as ever to pay your bills while you are out of town or on vacation because all you need is internet access to login to Online Banking Bill Pay. So, set up your bills to be paid online today. You’ll appreciate the convenience and security knowing your payments are made for you on time and without the hassle of checks, stamps or mailboxes.

For assistance using the bill pay service, log in to your online banking account and select the FAQs View Demo link. Fees may apply.

Transfers

Account Transfer
It’s easy to transfer money between your credit union accounts (savings, checking or loans). All your online banking transactions are secure and you receive a transfer confirmation number for your records.

Statements

E-Statements
Your monthly account statement can be viewed online! At the touch of your fingertips and in a secure environment, you have access to your monthly account statement including a 90 day history. Plus you save both time and money by receiving your statement electronically instead of by mail. By choosing to view your statement online, you help us save paper, postage and other natural resources.

To sign-up for E-Statements, simply logon to Online Banking, click on “eStatements.” You will be asked to read the disclosure and consent to accept statements electronically instead of by way of US mail.

E-Notices
Receive electronic notifications regarding important account details that may need immediate attention. To retrieve your E-Notice, logon to your account and click on the “Statements” tab, then click “View E-Notices” to view them for more details.

Online Services

Account Services
Through Online Banking you can view your E-Statements, change your address, change your password, order a copy of a paid check, request a check copy, reorder checks, request statement copies, request a stop payment, apply for a loan and more. (Transaction fees may apply to some of these services.)

Online Settings
Online Banking can be customized to fit your needs. You can decide how long the system stays connected before it logs you out, create personalized account nicknames and set your account history date range.

Account Alerts
Sign-up for important alerts delivered directly to your mobile phone via SMS or e-mail. This service lets you set up your own personalized alerts customized to your preference.

Contact Us
Our Member Service Contact Center is open Monday through Friday, 8:00 a.m. – 6:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. CST, and can assist you with Online Banking or credit union account questions. Contact us E-mails sent during closed hours will be answered on the next business day.

System Requirements

  • An Up-to-Date computer or mobile device with the following features:
  • An Up-to-Date operating system,
  • A connection to the Internet, AND
  • EITHER an Up-to-Date web browser with Up-to-Date versions of all plug-ins recommended by the browser to properly view each element of the site OR an Up-to-Date Orion mobile app,
  • It is highly recommended that the most current version of your internet browser be used to access Online Banking.

    Additional Requirements:
    Please ensure your browser:

    • is cookie-enabled,
    • is JavaScript-enabled,
    • supports secured sites,
    • has its Privacy settings at Medium or less,
    • has at least a 128-bit encryption.

    Determining Your Browser Version
    On the toolbar at the top of your browser window, click on “Help”. Then, depending on which browser you have, click on one of the following:

    • “About Internet Explorer”
    • “About Mozilla Firefox”
    • “About Safari”

    A screen will appear telling you what browser and version you are using.

    For more information on troubleshooting, please visit our site at https://orionfcu.com/help/internet-banking/troubleshooting/.

    About Security
    Is it safe to give out my account information over the internet?

    We have taken all appropriate measures to ensure that our website and online banking product is secure, and that our members’ account information remains private. Our members also play a role in protecting their information. Your online banking User ID and Password should be provided only when your browser shows a Secure Socket Layer (SSL) session is taking place. Secure Socket Layer (SSL) technology encrypts account information between computers, so that it is virtually impossible to be read by others. We recommend that our members use a current version of browser software so that they may benefit from the most up to date internet security available. After you finish any website session that included viewing or sending private information you should close your browser window.

    Security Tips

    • Never reveal your PIN or password. This includes your Phone Teller PIN or the password that you selected when you signed up for online banking.
    • Use the Logout icon to end a online banking session. This will expire all the cookies that were set in your session.
    • The amount of time you can remain inactive before being automatically logged out of online banking can be set under “User Options.” For your own security, keep this time setting as short as possible.
    • It is recommended that you balance your account at least once a month so that any discrepancies can be reported to us in a timely manner.

    Accepting Cookies
    To disable the “Accept Cookies” warning in Firefox 2.0 and up:

    1. From the Tools menu, select Options.
    2. Click on the “CONTENT” tab.
    3. To enable Java, verify that the “Enable JavaScript” box is selected.
    4. Click on the “PRIVACY” tab.
    5. Verify that “Accept cookies from sites” is selected.

    To disable the “Accept Cookies” warning in Microsoft® Internet Explorer 5.0:

    1. From the Tools menu, click on Internet Options.
    2. Click on the “ADVANCED” tab.
    3. To enable Java, verify that the Enable Java and Enable JavaScript boxes are selected.
    4. Click on the tab marked “SECURITY”.
    5. Click on the button marked “CUSTOM LEVEL”.
    6. Under Java make sure the radio button is set to Medium Safety.
    7. Under Scripting of Java applets make sure the radio button is set to Enable.
    8. Under Cookies: Allow per-session cookies (not stored), make sure the radio button is set to Enable.
    9. Under Cookies: Allow cookies that are stored on your computer, make sure the radio button is set to Enable.
    10. Click on OK until completely exited from options.

    Unable to Login to Online Banking

    Accessing the Login Page
    If you can view the other areas of our website, but are unable to access Online Banking, it may indicate a problem accessing all secured websites.

    If you are using one of the browsers we recommend and are still experiencing a problem, the problem may lie with your Internet Service Provider. This is particularly common with employer-based access to the internet. Your employer may have firewalls, proxy servers or other equipment that may prevent access to secured sites.

    Contact your company’s IT Department regarding the problem or try to access Online Banking from another location.

    IMPORTANT:

    When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

    Forgot User ID and/or Password

    I’ve forgotten my User ID, how can I access Online Banking?
    Use your account number as your User ID. You may personalize your User ID within Online Banking by clicking on the ‘Online Services’ tab and then ‘User ID.’

    I’ve forgotten my password, how can I access Online Banking?
    You may use our password reset tool, or contact us for assistance.

    IMPORTANT:

    We do not have access to your password. In the case of a forgotten password, please use our password reset tool or contact us to reset your password.

    Common Error Messages

    The following errors may occur when accessing Online Banking:

    • Account verification error. Your password is incorrect. Verify the password and re-enter it. Check to make sure the Caps Lock is not on. Passwords are case-sensitive; the Caps Lock may alter the way your password is being entered.
    • The account has been locked. You have had too many invalid login attempts. As a security measure, Online Banking will allow three invalid password attempts and will lock out the account on the fourth try. To reset your password, please use our password reset tool or contact us for assistance.
    • We’re sorry, we are unable to process your request at this time. Online Banking is temporarily down for system maintenance. Try again periodically. If the message is displayed repeatedly, contact us.

    Troubleshooting

    Error Messages – To show us the exact error message that you are receiving, display the error message on your screen then press Print Screen on your computer’s keyboard. This will transfer the image to your clipboard which can then be pasted into a Word document or other application.

    When experiencing an error message, try the following steps before contacting your financial institution:

    1. Clear the cache, reload, or refresh.
    2. Close the browser.
    3. Retry.

    After trying this and you still continue to receive the error message, contact us.

    Unsuccessful Transfer(s) – If a transfer is unsuccessful you will be given a reference number. You may email us and a Customer Service Representative will assist you in finding out why your transfer was not successful.

    I’ve opened Quicken and tried to connect to you to download my files; it does not work. How can I do this?

    To export your transactions, click on the Online Services tab, then click on Export “Account Information.”

    1. Choose the account and the dates you would like to export history for.
    2. Select Quicken as your Export format, and click the Download Data button. Do this for each account you wish to export.
    3. Open Quicken. The exported history items will be automatically uploaded.

    It takes so long to download data, my session times-out and I have to start all over. How do I fix this?

    We suggest that you increase the time limit on your connection with us. To increase the time limit click on “Online Services” in Online Banking and then select “Timeout.”

    Online Help: Accounts

    Summary

    The Accounts tab will show you a general overview of your account. At the top of the page, you will see your member number and the address we have on file. While under the Account tab and sub-tabs, you may click the Printer Friendly button in the upper right-hand corner. This creates a page formatted specifically for printing.

    Insured Accounts Summary

    The Insured Accounts Summary section displays a general overview of your insured accounts, including the account title, type, balance and available balance.

    Insured accounts include:

    • Savings
    • Money markets
    • Share certificates
    • Checking
    • Individual retirement accounts

    To view the details of an insured account, click on the account title. Your current transaction activity will then be displayed.

    You may also view up to three months of your account history by going to the Next History Date Range, selecting dates using the fields provided and clicking More History. If you are looking at the details of your checking account, you can view a copy of the check by clicking on the check number.

    Your savings are federally insured for $250,000 by the National Credit Union Administration, a U.S. Government Agency.

    Loan Summary

    The Loan Summary section displays a general overview of your loans, including the loan title, type, balance, available balance, rate, payment and the due date.

    To view the details of your loan, click on the loan title. Your current transaction activity will then be displayed.

    You may also view up to three months of your account history by going to the Next History Date Range, selecting dates using the fields provided and clicking More History.

    Transfer Funds

    This option allows you to transfer funds between your accounts. The completion of a transfer is subject to the availability of sufficient funds in the account you are transferring from. If you do not have sufficient funds, the transaction will not be completed. If you have a cross-account transfer set up, you may also transfer funds to another member number.

    To transfer funds:

    1. Click on Accounts tab.
    2. Click on the Transfer Funds sub-tab.
    3. Enter the amount you’d like to transfer in the field provided. Do not include dollar signs or commas.
    4. Select the account you would like to transfer from (only eligible accounts will appear).
    5. Select the account you would like to transfer to (only eligible accounts will appear). If you are transferring funds to a different member number, their eligible accounts will be displayed next to their member number.
    6. Click on Transfer Funds.

    Linked Accounts

    Account to Account Transfers

    You can add account to account transfers using the external accounts menu item. This will allow you to transfer or receive money to a different account at a different financial institution.

    To link to another account:

    1. Click on Accounts tab.
    2. Click on the External Accounts sub-tab.
    3. Select Bank Account in the account type drop down.
    4. Add the bank information in the text boxes below the drop down.
    5. Click Add Account.
    6. Confirm the bank information.

    Please note: In order to complete the verification process, you will have 2 small transactions that will be transferred to the external account. The amount of the transactions will need to be verified. Once you identify these transactions, you will return to the external accounts page and press complete verification. If the amounts entered match the amounts of the transactions, then the account will be enabled for funds transfers.

    Export

    The Export option allows you to download your financial history to your computer for use with personal financial management software such as Quicken and Microsoft Money. If you would like to download your account history but do not use financial management software, a CSV (Comma Seperated Values) format of your history is also available.

    To export your transaction history:

    1. Click on the Accounts tab.
    2. Click on the Export sub-tab.
    3. Select the account you’d like to export history for.
    4. Select the date range.
    5. Select an export format.
    6. Click on Download Data.

    Online Help: Online Services

    Statements

    E-Statements

    E-Statements are provided as a free service that allows you to access your monthly account statements instantly online instead of by mail. With E-Statements, you can access your statements for the past three months, view your previous year-end statement and view copies of cleared checks. In addition, using E-Statements waives the monthly online banking fee. You will receive an e-mail notification each month when your new statement is ready to view.

    To sign up for E-Statements:

    1. Click on the Statements tab.
    2. Click on Account Statements.
    3. Click Sign Up for E-Statements.
    4. Enter your current e-mail address in the field provided.
    5. Click I Consent.

    View Your E-Statements

    If you have already signed up for E-Statements, you will be able to view your electronic statements here.

    To view your E-Statements:

    1. Click on the Statement tab.
    2. Click on Account Statements.
    3. Click on E-Statements.
    4. Click the E-Statement date you wish to view and your electronic statement will open in a new window.
    5. Check Copy

      You many request a copy of a paid check that does not appear on your E-Statement. Your check will be mailed within 10 business days to the address on the account. Your account will be charged for any applicable fees. If your check cleared over 90 days ago, there will be an additional statement copy fee.

      To request a copy of a paid check:

      1. Click on the Online Services tab.
      2. Click on Check Copy.
      3. Enter the amount the check was written for. Do not include dollar signs or commas.
      4. Enter the check number.
      5. Enter the date the check cleared (month/day/year).
      6. Click on Submit to request a copy of the check.

      Check Reorder

      You may place an order for a new check supply online so long as there are no changes to the address or check style that you’ve previously ordered through The credit union. If your address has changed since your last order of checks, you will need to visit a branch or mail your order form in with any corrections. If you proceed to order checks through this service, the checks will be printed with the same address as your last order. If any other personal information has changed, please contact the credit union directly.

      To order a new check supply:

      1. Click on the Online Services tab.
      2. Click on Check Reorder and follow the onscreen instructions.

      Stop Payment

      You may place a stop payment on personal checks or transactions online. If you need to place a stop payment on an electronic check, please visit your nearest branch location or contact the credit union. A stop payment fee of $35.00 will be deducted from your account for each stop payment request made. The request will be valid for 6 months after the date of the request. Please note: Stop payments on checks are not guaranteed until 48 hours after the date of request.

      To request a stop payment on a single check:

      1. Click on the Online Services tab.
      2. Click on Stop Payment on a Check.
      3. Select “Place stop payment on the following account.”
      4. Select the account you would like to stop a payment on.
      5. Select the account you would like the stop payment fee to be taken from.
      6. Click Continue.
      7. Enter the number of the check.
      8. Select a reason for the stop payment request from the drop-down menu.
      9. Click Continue and you will receive a confirmation that your stop payment has been placed.

      To request a stop payment on range of checks:

      1. Click on the Online Services tab.
      2. Click on Stop Payment on a Check.
      3. Select "Place stop payment on the following account."
      4. Select the account you would like to stop a payment on.
      5. Select the account you would like the stop fee payment to be taken from.
      6. Click Continue.
      7. Enter the beginning check number and ending check number for the checks you would like to stop.
      8. Select a reason for the stop payment request from the drop-down menu.
      9. Click Continue and you will receive a confirmation that your stop payment has been placed.

      If you would like to view existing stop payment requests:

      1. Click on the Online Services tab.
      2. Click on Stop Payment on a Check.
      3. Select "Review existing stop payments from the following account."
      4. Click Continue.
      5. A table listing all of your stop payments will be displayed.
      Overdraft Protection

      You may set up overdraft protection for you checking account by doing the following

      1. Click on the Online Services tab.
      2. Click on Overdraft Protection.
      3. Select the account to protect.
      4. Select one or more accounts to use as source accounts.
      5. Click Preview Overdraft Protection to view the request.
      6. If you are satisfied with your request, click Submit Overdraft Protection.

      User Options

      Change Password

      This form allows you to change your home banking password. Passwords must be 8-25 characters in length and use a combination of numbers and letters. Passwords must not include any symbols, contain your social security number, your account number or be one of your three previous passwords.

      Remember, passwords are case-sensitive!

      To change your password:

      1. Click on the User Options link.
      2. Click on Password.
      3. Enter your current password in the “Old Password” field.
      4. Enter a new password in the “New Password” field.
      5. Re-enter the new password in the “Re-enter password” field.
      6. Click Submit and you will receive a confirmation that your password has been updated.

      You may change your home banking password at any time. For security purposes, it is recommended you change your password every six months. If you have forgotten your password, you may use Password Help on the login page to reset it or contact the credit union for further assistance.

      Change E-mail Address

      This online form allows you to view/update your e-mail address. Your e-mail address will be used for E-Statement notifications and to provide you with product or service information that may be a potential benefit. Please refer to our Privacy Policy for more information.

      To change your e-mail address:

      1. Click on the User Options link.
      2. Click on E-mail Address.
      3. Enter your updated e-mail address in the field provided.
      4. Click Submit and you will receive a confirmation that your e-mail address has been updated.

      To remove your e-mail address from our mailing list:

      1. Click on the User Options link.
      2. Click on E-mail Address.
      3. Check the box “Please remove my E-mail address from the mailing list.”
      4. Click Submit and you will receive a confirmation that your e-mail address has been updated.

      Change History Date Range

      The Change History Date Range allows you to select what account history dates you would like to have displayed. By default, only the current month’s history is displayed.

      To change your history date range:

      1. Click on the User Options link.
      2. Click on History Date Range.
      3. Select a date range by selecting one of the date range descriptions.
      4. Click on Change Date Range to save your changes.

      Change Your Timeout

      The Change Your Timeout feature allows you to set the number of minutes of inactivity in your online banking session before the system automatically logs you out.

      To change your timeout:

      1. Click on the User Options link.
      2. Click on Timeout.
      3. Select the number of minutes from the drop-down menu.
      4. Click on Change Timeout to save your changes.

      Create Account Nickname

      Personalize the account names that are displayed in home banking for easier recognition.

      To create or update an account nickname:

      1. Click on the User Options link.
      2. Click on Account Nicknames.
      3. Modify your account nickname in the field provided to the right of the account name.
      4. Click on Submit to save your changes.
      5. To restore the system default name, delete the nickname from the provided field and click on Submit to save your changes.

      Change User Security Key

      Choose a word that displays on login for your user security key. This will help you know that the website is valid.

      To create or update a security key:

      1. Click on User Options link.
      2. Click on Change User Security Key
      3. Modify your key
      4. Click on Submit to save your changes

      Change Font Size

      Change the size of the font that displays for you during your Online Banking session.

      To change the font size:

      1. Click on User Options link.
      2. Click on Change Font Size
      3. Choose the size you prefer in the drop down box
      4. Click on Submit to save your changes

      Or

      Click on the Font Size letter for the size of the font you prefer in the top right corner of the page

      Courtesy Pay

      Sign up for a courtesy pay overdraft. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. With Courtesy Pay, we will charge you a fee of $20 each time we pay an overdraft.

      Scheduled Transfers

      You can schedule a transfer to occur at a certain date and time in the future. You can set up the transfer to happen once, or on a reoccurring basis. To view or modify the scheduled transfers that you have set up for your account, click on Scheduled Transfers.

      To view the scheduled transfers for the current month:

      1. Click on View Current Schedule
      2. To view the next or previous months transfers, click the “Prev Month” or “Next Month” links
      3. To edit the transfer, click the transfer you wish to modify

      To view a list of all scheduled transfers ordered by the next transfer date:

      1. Click on View by Next Transfer Date
      2. To edit the transfer, click the transfer you wish to modify

      To Add a new scheduled transfer:

      Click the Add New Scheduled Transfer link

      Or

      Click Accounts and select Transfer

      Then

      Click the Schedule a Transfer Button

      Contact Us

      View Messages

      View any messages you have sent us through our secure message system, or any responses to the messages you have sent.

      Send a New Message

      Send a message through our secure system to contact us with your specific questions.

      Telephone Numbers

      Find a Credit Union ATM to access your accounts 24 hours a day at many locations around the world.

      Find a Branch

      Find the branches near you.

      MoneyDesktop

      MoneyDeskTop allows you to view and analyze all of your accounts from one convenient location. View account balance information from credit unions and banks. You can also keep an eye on bills and utilities, assess net worth, review your budget and see how you spend your money and determine the best way to pay down your loans and credit cards.