MemberDirect® Mobile Services

You can use your cell phone to do all kinds of things these days—from listening to music, to checking your e-mail, to text messaging with friends. Now with MemberDirect® Mobile, you can add personal banking to the list. MemberDirect® Mobile Services gives you the ability to view account balances and transactions over a mobile phone simply by sending keyword commands through Short Message Service (SMS) text messaging.

Mobile App (iOS and Android)
online banking & financial services Osoyoos BC download on the app store
online banking & financial services Osoyoos BC google play

MemberDirect® Online Services – Internet Banking

Keep up with computer technology and do your banking in the comfort of your own home, office or wherever your computer is located, at your leisure. Browse through our website, get the balance of your accounts at a glance, manage your bills (add, delete or pay a wide variety of bills, such as credit cards, taxes, etc. You can even pay school tuition online.) Transfer funds between accounts and print your own statement at anytime of the month. All that is required is a Personal Access Code (PAC).

MemberDirect® Online Services – Small Business Banking

Small Business Banking provides a tailored online banking solution for business customers with fewer than 20 employees. It’s designed to move business owners beyond retail banking to manage their business and personal finances, with minimal administration and unnecessary complexities. Benefits: Self-Service – Easy account aggregation enabling customers to intuitively consolidate accounts themselves. Sign up in minutes – With single sign on customers see and can do it all: view balances, make payments, conduct transactions between accounts, and more. Flexibility – Multiple Delegates gives employees, accountants and others permission to view and conduct transactions on select accounts. Greater Security – Dual Signature Support allows a business owner to initiate a transaction and the other to finalize it.

Merchant Services

This program allows merchants to provide a convenience to their customers by accepting payment for goods and services by credit card and Interac direct payment through the use of an electronic terminal. These terminals provide fast approvals for the merchants. Our business members will gain the convenience of having these credits automatically deposited to their business accounts.


A card authorization and deposit service for merchants who don’t wish to use an electronic terminal. This service offers an efficient authorization and deposit system all through the convenience of your telephone.

Card Services

MEMBER CARD – This dual purpose card provides easy 24 hour access to your chequing and savings accounts through automated teller machines bearing the Exchange, ACCULINK®, Maestro, Interac and Cirrus symbols. It also enables you to pay for purchases at merchant locations around the world by instantly debiting your account via the Interac and Maestro Direct Payment Systems. Advantages include elimination of the need to carry cash, cheques or a lot of identification, and each transaction will appear on your monthly statement.

Pre-Authorized Transactions

Pre-authorized debits are revocable payment arrangements between members and payees (e.g., insurance companies, financial institutions, strata corporations) whereby the member authorizes the payee to deduct payments (e.g., insurance premiums, mortgage/loan payments, investment contributions, strata fees) for a specified amount from the member’s account at regular intervals. Payments are most commonly processed electronically through the payee’s financial institution, although in some cases paper vouchers are still generated.

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International Transfers

International transfers through online banking, anytime, anywhere! International Transfers is a low-cost foreign exchange solution for credit unions that enables members to transfer money internationally through online banking, 24/7.

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Interac e-Transfers

The fast, secure way to send, request and receive money. Interac e-Transfer is a convenient way to send, request and receive money directly from one bank account to another. All you need is access to online or mobile banking through MemberDirect online services, and you can send money to anyone with an email address or mobile phone number and a bank account in Canada – without sharing any personal or financial information. It’s a great alternative to cheques and cash.

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ClickSWITCH is fast, secure and convenient. Save yourself some time and hassle by automatically transferring all your automated payments and deposits at other financial institutions to your OCU account. Switching financial institutions can seem overwhelming. ClickSWITCH makes it easy.

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Automated Teller Machine (ATM)

Enjoy the convenience of 24 hour banking at Osoyoos Credit Union. These machines provide access to your funds on deposit and allow members to conduct a variety of other transactions. The credit union is also connected to a number of networks including Interac, The Exchange, ACCULINK®, Maestro and Cirrus, providing worldwide ATM access. In order to use these machines, all that is required is a MEMBER CARD® debit card and a Personal Identity Number (PIN). Find more information on The Exchange Network HERE.

Direct Deposit

Have your pay cheques, pension benefits, and tax refunds etc., deposited directly to your accounts through electronic funds transfer. This means that you won’t have to worry about mail delays. Plus, your money begins earning interest immediately and the funds can be accessed by automatic teller machines. Get your money into your account faster with this practical option.


eStatements are an electronic version of your printed statement, available on MemberDirect® Online Services. eStatements are stored in a PDF format which requires Adobe Acrobat to view.

Nice Little Extras

At Osoyoos Credit Union, we strive to provide members with all the little extras that make up a one-stop financial centre. Some of the other services provided are:

  • ATM
  • e-Transfers
  • e-Statements
  • Electronic funds transfer to other financial institutions or credit unions (MTS)
  • Foreign currency services
  • Letters of credit
  • Merchant Services
  • MemberDirect® Online Services
  • Mobile Banking
  • Night deposit bag rental
  • Official cheques in Canadian or US funds
  • Pre-authorized payment services (debit and credit) available in US funds
  • Safety deposit box rentals
  • A wide variety of bill payments
  • Strata / Business, Customer Automated Funds Transfers (CAFT) available