Online Banking Platform Update Guide

Important Dates

Friday, November 4th

Creating a new Online Banking user will be disabled until Tuesday, November 8th.

Tuesday, November 8th

The new online and Mobile Banking platform will be live! If you use the Oswego FCU Mobile Banking App, you will be prompted to update to the newest version.

Account Access

You will still access Online Banking in the same location on our website,

Logging In for the First Time

Please follow these instructions the first time you login to Oswego County FCU’s new online banking platform.

  1. Your username will remain the same so enter your previous username as your username. Please enter the last 4 digits of your social security number or tax identification number (for businesses) as your password.
  2. Complete the identity verification* steps and enter your security code. You may “trust” your device to bypass this step for future logins.
  3. Update your username if desired, and create a new password.
  4. Accept the Online Banking Agreement and eSign Disclosure. You MUST click to open the PDF before you are able to toggle your acceptance of the agreement.  To toggle, simply click on the button.
  5. Your account list will appear. Select the account you wish to view.

Identity Verification*

We have added an “Out of Band Authentication” security step to ensure the safety of your account(s). You will be asked to enter a 6-digit security code when logging in.  Please select from the available options to receive your unique code via email, automated call or text. If you do not see your preferred method of communication, please call us at (315) 343-7822, to update your contact information. NOTE: Your password will NEVER expire, however you can change your password at any time.

To bypass the identity verification step for future logins, you may “trust” your computer or device. You may store up to 5 trusted devices (computer, phone, table, etc.). Please be aware that clearing your cookies will result in the need to complete the identity verification step again.

Login Credentials

Please refer to the listed requirements when updating your password and/or username. If your previous password and/or username meet the requirements, you may choose to establish the same credentials for the new platform.

Password Requirements:

  • Must contain at least 1 letter
  • Must contain at least 1 number
  • Must contain at least one special character +_%@!$*~#
  • Must be between 8 and 25 characters in length
  • Must not match or contain your ID
  • Must not match your last 5 passwords

Mobile Banking App

If you currently use our Mobile Banking app for iPhone or Android, an update will be available on Tuesday, November 8th. If you do not currently allow auto-updates on your mobile device, you will be prompted to initiate a download through the App Store or Google Play.

Logging in with Biometric Authentication

If you would like to enable biometrics to login using face recognition (i.e. FaceID) or your fingerprint (i.e. TouchID), you will be prompted to “Save Login” during your first visit to our Mobile Banking app. If you do not wish to use this feature, you may disable the prompt within the Information Settings menu.

Mobile Deposit

If you currently use the Mobile Deposit feature in the app, your enrollment will remain active. If you would like to enroll in our secure Mobile Deposit service, please request access within the app.

Online Bill Pay

There will be no changes to our Online Bill Pay service. Your scheduled payments will be sent without interruption and all payee and payment history will be included in the transition to the new platform.


Any schedule or recurring transfers will continue without interruption following the transition to the new platform. Please note that the new Quick Transfer tool will transfer funds immediately upon submission. You can edit, review or confirm the existing transfers within the Transfers menu.


You will be required to accept an updated disclosure if you wish to receive statements and/or notices electronically. You may update your preferred method of statement delivery for each of your accounts at any time within the Statements menu. Use the Alerts option to enable notifications through email or text message when your electronic documents are ready to review.

Account Text Alerts

Receive custom text alerts for your daily balance, monthly balance, balances above or below a set amount and transaction types. Enroll and edit your preferences through the Alerts menu.

Additional Users

Create, manage and remove additional users for accounts you wish to provide read-only access (such as your accountant). Each additional user will be provided a unique profile ID that is created and maintained by you. 

Forgot Username or Password

If you ever find yourself forgetting your login credentials, simply select the Forgot Username or Password links located on the login screen, then follow the steps to unlock and reset your credentials.