IRAs Mortgage Business Services Back Office/Accounting IRAs What is the difference between a Traditional IRA and Roth IRA? What is the maximum annual contribution for an IRA? What is the deadline for making IRA contributions in a given year? What is an RMD? What is the proper input for the Financial Disclosure at the end of the IRA opening process? See all topics › Mortgage What is the late fee on first mortgages? Can members pay online using the "loan payment" option to FICS Mortgage loans? What happens when one co-signer on a mortgage dies? Escrow Deficit How do I set up automatic mortgage payments? See all topics › Business Services Business Ownership types: DBA Business Ownership types: Sole Proprietorship Business Ownership types: Partnership Business Ownership Type – Limited Liability Company or Limited Liability Corporation Business Ownership Type – Limited Liability Partnership See all topics › Back Office/Accounting What is our Federal Tax ID Number? What is the Difference between Disputes and Fraud? Can automatic deposits or withdrawals be set up on secondary savings accounts? What does a member do if their funds were Escheated? Who to call in Backoffice See all topics › Online Banking Online Banking Forgotten Password – Member Login Reset Generate a Temporary Password for Online Banking Online Banking Password Requirements Why does online banking log me out of my account so quickly? What are MyAlerts? See all topics › Products & Services Ops Update - About EMV Chip Cards What is a Certificate of Deposit (CD) ? What are the important features of CDs? How does the CD Penalty Work? Are there any exceptions to the CD penalty being charged? See all topics › Systems Ops Update ‐ EMS vs Last Contact Notes on the System What is our routing and transit number? What is Chex Systems? What’s the difference between ACH – EFT and Automatic Transfer? What are the different teller transaction codes and what do they mean? See all topics › Compliance Compliance Ops Update - File Maintenance Audits Ops Update- Social Security Numbers Required Why do we run credit and Chexsystems? Do we need to pull credit and chex systems to add a non-member as power of attorney? Can a member get an exemption from CTR reporting? See all topics › Risk Control Ops Update - Business Account Notice and Marijuana Related Activity (MRA) Ops Update – Out of Office or Vacation Cash Drawer Count out Ops Update – Password Storage Removal of Dormant or Restricted Flags Vault/ATM Branch Cash Limits See all topics › Procedures Ops Update ‐ Common Check Order Errors Ops Update ‐ Membership Eligibility Field in CUnify Ops Update ‐ Vault Cash Balance Sheet Ops update ‐ 3rd Party Teller checks in excess of daily cash limit Frequently Asked Questions Relating to Deceased Members See all topics › Financial Education What does subject to backup withholding mean? What do you say when the member asks about it? What is a reconveyance? In what situation do we process? In what situation does the title company process? What is a conservator? How can I make sure all my account balances are covered by NCUA share insurance? What is the contact information for our outside collection agency, Lending Solutions Inc. (LSI)? See all topics › Loans How long does a member have before forced place insurance (CPI) is added to their loan? What is CPI forced placed insurance? When forced placed insurance (CPI) is placed, is it a set amount or does the amount vary depending on the type/ amount of loan? How can the member avoid forced placed insurance (CPI)? How does the member get forced placed insurance (CPI) taken off the loan after it is placed? See all topics › Human Resources What are the required rest periods for hours worked? How many hours of vacation and sick time do I accrue each pay period? How long do you need to work at Oregonians Credit Union to get more vacation days? Will I be paid my sick time if I quit or get fired? How many hours of vacation can I carry over into the next year? See all topics › Bill Pay (Payrailz) How does a member contact bill pay? Bill Pay- (Payrailz) How many days does it take for a payment to reach my payees? Bill Pay (Payrailz)- Is there a fee for external transfers to your account at another institution? Bill Pay (Payrailz)- What are the general Payrailz transaction limits? Bill Pay (Payrailz)- When can a Bill Payment be scheduled? See all topics › Account Types Ops Update - Representative Payee What are the parameters for opening an Estate account? Ops Update - Living Trusts Ops Update - Memorial Trust Accounts Can a deceased members account be converted to an Estate account or would a new account need to be opened? See all topics › MSC Resources Phone Verification Methods Branch Locations Out-of-Wallet Questions Limits Overview How to Use Mitel See all topics › Popular topics Who to call in Backoffice What is the number members call to change their PIN? Check Order and Temporary Check starting numbers. What are the Mobile Check Deposit limits? What are the procedures for wire transfers over the phone? What are the Account Authority Definitions?