Skip to main content
Make a Payment Become a Member Apply for a Loan Online Banking Login

CUO FAQs

Frequently Asked Questions

  • How do I open a new account?

    New Members:
    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.

    Current Members:
    You can add new accounts to your existing membership online. 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.

  • What is Credit Union of Ohio’s Routing number? Where can I find it?

    244077886
    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.

  • Where can I find my checking account number?

    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.
     

    Offline:
    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.
     

  • Where do I mail in my loan payments?

    Please mail your payments to the following address:
    Credit Union of Ohio
    P.O. Box 5005
    Hilliard, OH 43026

  • I've forgotten my PIN for my card. How do I reset it?

    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.

  • I plan on travelling out of the state / country. What do I need to do?

    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.

  • I forgot my password for Online Banking / Mobile App. How do I reset it?

    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.

  • What are the limits for ATM withdrawals?

    We limit ATM withdrawals to $800 per day and $400 per transaction.

  • My debit card is getting declined and I have money in my account. Why isn't it working?

    This can happen for a number of reasons. Please check the following list for possible solutions:

    • Are you trying to make debit purchases or ATM withdrawals in excess of $800 for the day? For your account security, we only permit PIN-based debit transactions, including ATM withdrawals, of $800 per day. We recommend trying the transaction as a “credit” purchase.
       
    • Are you trying to make a purchase at a vendor located outside of the US? Due to increasing instances of fraudulent transactions occurring from outside of the US, our system will automatically block these transactions. Call us at 800.443.5698 to request a temporary exemption and verify your card has not been temporarily blocked due to a potentially fraudulent transaction.
       
    • Are you using the correct PIN? If you suspect your PIN may be the culprit, try resetting it by calling 888.886.0083 and change the PIN to what you think it should be.

    • Have you recently purchased gas or a hotel room using the card? Hotels, gas stations, and select other vendors may place a hold on your account when you use your debit card. If this is the case, you’ll need to request the vendor remove the hold on your funds or wait for it to drop off. We cannot remove a hold without the vendor’s written statement.

    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.

  • My debit / credit card was lost or stolen. How do I get a replacement?

    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.

  • How do I dispute a transaction?

    Fraud Claims:

    1. Debit / Credit Cards – If you suspect someone has stolen your card or account information, please contact us immediately to get your card(s) blocked by calling 800.443.5698, blocking it through Online Banking or the Mobile App, or stopping into one of our branches. After the card has been blocked, please call during our normal business hours at 800.443.5698 or visit one of our branches to provide the details of each transaction you’d like to dispute as fraudulent and to get a new card ordered.

    2. Check / Checking Account – If you suspect your checking account number has been compromised or your checks have been stolen, you should close your account and open a new checking account with us. To do so, please visit one of our branches. If it’s not convenient to get to a branch, please call 800.443.5698 and one of our Member Service Representatives will assist you.

      Please note a Police Report may be required depending on the circumstances of the claim(s).
       

    Disputes:

    1. The ATM did not dispense my money.
      1. If you are withdrawing from an account with Credit Union of Ohio, please sign and complete our ATM Dispute form and return it to us. You can mail the form to P.O. Box 5005, Hilliard, OH 43026, fax it to 614.487.6659, or drop it off at one of our branches.
      2. If you are withdrawing from an account at another institution, please contact the other institution and follow their dispute procedures.
         
    2. Credit / Debit Cards
      1. Please try to resolve the dispute with the merchant, first. If the merchant will not resolve the issue, please contact us at 800.443.5698 for further assistance.

  • How do I set up direct deposit?

    State Employees
    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.
     

    Non-State Employees
    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.

  • How do I set up automatic transfers for my accounts?

    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.

    Offline
    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.

  • How do I transfer funds to another member or institution?

    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.

  • When I schedule an automatic loan payment, when will my account be debited?

    Loans with Credit Union of Ohio

    1. If you’ve scheduled an automatic loan payment as a scheduled transfer within Online Banking, the account will be debited at the time of the transfer.
    2. If your payment is set up as payroll deduction, your payments will automatically transfer out of the account at the same time your payroll is deposited.

    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.

  • What is the limit for transactions to and from my savings account?

    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.

  • How do I change my address?

    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.

    Offline:
    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.

  • How do I reorder checks?

    To reorder checks, please click here and follow the prompts to place your order. You can also call us at 800.443.5698, send us a message through Online Banking / Mobile App, or visit one of our branches.

  • What is Overdraft Privilege?

    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.