At OCU, we’re constantly strengthening the tools we use to protect you, your account information, and your digital transactions. We are pleased to announce that Two-Step Verification (2SV) and Self-Serve PAC Reset for online banking is now live! The new login features were introduced on Wednesday, August 30th, 2023.
*You will need to have your member number (6 digits) and current password to enroll in 2-step verification.*
If you follow the instructions below and you’re still having difficulty, this troubleshooting guide may help.
What is 2-Step Verification?
2-Step Verification is an extra layer of security to protect your account, money and personal information in the event your password is compromised or stolen. When you log into online banking, you will still enter your password, and you will also be sent a one-time use verification code by text message or email. You must enter this code to access your account online.
When is 2SV Coming?
2-Step Verification will be introduced on Wednesday, August 30th, 2023.
What are the benefits of 2SV?
Two-Step Verification is an industry-wide standard that ensures safe and secure logins to Online Banking. It is an extra layer of protection to ensure you’re the only person who can access your online banking or mobile app. In addition, it prevents fraudsters from being able to access your account in the event of your login credentials being compromised (lost or stolen).
How do I set it up?
*You will need an e-mail address or mobile phone to set-up 2-step verification (landlines will not work).
Once it is live, the process will be fairly straight-forward.
View detailed instructions with screenshots.
- Login to online banking from the OCU website or the mobile app. You may notice the process looks different than before.
- If this is your first login, you will be prompted to enroll in Two-Step Verification.
- The prompts will ask you to enter either a mobile phone number or email address to receive your verification code. Text is the recommended option to maximize security!
- Open the email or SMS text message and enter the verification code included in the body of the message to login to your account.
* Don’t forget that your verification code is only valid for 10 minutes once generated. Each new code would also replace any previous codes sent to you, so remember to only use the most current one.
If I use the mobile app, will I need to update it?
Yes, if you use the OCU mobile app you will have to update it so that 2-Step Verification will work.
Will I have to enter a 2SV code every time I log into my online banking?
This new feature will replace the security questions you have been accustomed to answering and will not be required at every login. You will be required to enter a code from time to time.
Do I have to register for 2SV?
Yes. When you log into online banking, you will be asked to complete the 2-Step Verification enrollment screen. You can choose to receive verification codes by text or email. Most members find that receiving codes by text is faster and more convenient, and it is often times more secure.
If you are unable to enroll, please contact OCU at 250-495-6522
Why are you introducing 2-Step Verification?
A safe and protected online banking experience is our highest priority. 2-Step Verification reduces the risk of fraud and provides an extra level of security for your accounts, money and personal information.
Is there a way for me to turn off 2SV, or register a trusted device so I don’t have to enter verification codes?
No. You cannot turn off or disable 2SV. Any login to your online banking that is assessed as high-risk will be subject to 2-Step Verification authentications, regardless of the device being used to login from.
How long before a verification code notification expires and is no longer valid?
The verification code is valid for 10 minutes from the time it is generated. If you enter and submit after that time, you will receive an error message. If you receive an error message, refresh your page and start the process again.
Will I still be required to keep security questions in place?
After enrollment in 2-Step Verification, challenge questions and answers will no longer be used or required.
What should I do if I do not receive the SMS text message or email with the verification code?
After waiting a reasonable amount of time for the notification to arrive, you should try re-sending the code using the “send new code” option on the Enter Your Verification Code screen.
Email: If you’ve registered for 2-Step Verification using an email address, make sure to check your spam/junk folder. If you still haven’t received a code, you can click on the “Send a new verification code” link in the Enter Your Verification Code screen to have a new code sent.
Please call OCU at 250-495-6522 if you require assistance with updating your phone or email on file for 2SV.
What if I lost my phone and/or can't access my email?
If you are unable to access you mobile phone or email associated with your 2SV Login, please call OCU during working hours at 250-495-6522 Monday-Friday 9:30am to 5:00pm, Saturday 9:30am to 2:30pm.
How can I change my 2-step verification information?
To change your 2-step verification information, login to online banking, select “profile and settings,” then select “change 2-step verification information.” Here you can enter the mobile number or email address to receive the verification code. 
What is Self-Serve Reset Password (PAC)?
Self-Serve Reset PAC is a digital banking feature that allows you to reset your Online Banking Password online whenever you need to. To use the feature, you will need to e enrolled in 2-Step Verification.
What is Self-Serve Reset Password (PAC)?
Self-Serve Reset PAC is a digital banking feature that allows you to reset your Online Banking Password online whenever you need to. To use the feature, you will need to e enrolled in 2-Step Verification.