Courtesy Pay: We’ll pay for the overdraft transaction up to a certain limit, giving you time to put funds back into your account without interrupting life.

Overdraft Protection: We’ll automatically transfer funds in increments of $50.00 from your linked account, such as your Savings, to cover what you owe.

Click to watch our Overdraft Protection vs Courtesy Pay video

Please refer to our Fee Schedule for the fees associated with each of these transfers. 

There is no minimum balance that must be kept in your Checking Account.

You can deposit funds to your accounts by mobile deposit, ATM, by mailing your deposit to us, by visiting one of our shared branching locations around the country, or by visiting any OE Federal branch location.

Speak with your employer to have your paycheck direct deposited to OE Federal

To make it easy, complete this form and give it to your employer.

Enroll in online banking here.

Government regulations require us to obtain current, valid ID from all new members. Please reach out to us so that we can review your specific situation.

Due to supply chain issues, members waiting for their debit cards may experience a delay of 6 weeks from the date their membership application is received. This includes a mailing time of five to seven business days. In the meantime, we encourage you to sign up for online banking so that you have access to your vacation pay funds as soon as they become available. Through online banking you can deposit checks, transfer funds to other financial institutions, pay bills, set up automatic transfers, and so much more!

Call us immediately at 800.877.4444.

To add a joint owner, we require a new membership application and a copy of the individual’s current, valid, government issued ID. We are happy to mail you the required documentation.

There is a daily limit of $1,525 for POS transactions and $750 for ATM transactions. If you need a higher limit, please reach out to us.

The daily withdrawal limit is $500. This means you can make as many withdrawals from an ATM as you would like as long as your total amount does not exceed $500.

There are three potential types of fees you could incur if you overdraw your checking account. They are:

• Non-Sufficient Funds (NSF) – If you don’t have enough money in your account to cover the transaction, we may return it unpaid and charge you a $25 fee.
• Overdraft Fees – If you are registered for our Courtesy Pay program, your checking share may be overdrawn up to $300 to cover transactions. A fee of $25 will be charged.
• Overdraft Protection Fees – You can sign up for Overdraft Protection by linking your checking and savings accounts. If you have insufficient funds to cover an item in your checking, we will transfer funds in increments of $50 to cover the item. A fee of $3 is charged for this service.

Please refer to our Fee Schedule for fees associated with Overdraft and Overdraft Protection.

If you successfully opened your account with OE Federal and cannot locate your membership information, call us at 800.877-4444.

We’ll provide your member/account number in one of two ways:

1. Members who complete our Online Membership Application and do not require additional review will receive their account number immediately.
2. For members who apply through a paper application or whose Online Membership Application requires additional review, will receive their account number via email after their membership is opened.

Once your membership is established, you can also obtain your account number by phone or by visiting any branch location.

To establish your account, we need a completed membership application (either online or mailed to us) and a current, valid government issued ID.

Our routing number is 321176260.

We don’t send checks automatically with your account. You can order checks through online banking or call us.

With thousands of Shared Branching locations around the country, chances are we have one near you. Find a shared branching or ATM location!

Yes! We offer an easy to use mobile banking application on both the Google Play Store and the Apple App Store. Search for “OE Federal Credit Union”.

You can reach us at (800) 877-4444, 7:30 am to 6 pm Monday through Friday. Branch hours vary by location. Check our ATMs & Branches Page for more information.

Yes, we have telephone support available for you outside of our standard business hours. Call us at 800.877.4444 to reach someone.

Using your account number and our routing number (321176260), you can establish automatic transfers between financial institutions. There is no fee to receive funds to your OE Federal account.

To apply for a loan through OE Federal, use one of the following channels:

• Call us at (800) 877-4444
• Apply through Online Banking
• Visit us at any branch location
• Apply through our online application

Your funds are insured to the legal maximum by the NCUA. Please call us or visit any branch location for additional information on your specific coverage.