Frequently Asked Questions

What is Ontario Shores FCU routing number?

Our Routing Number is: 222381400

What is the difference between a credit union and a bank?

  • Credit Unions are financial institutions formed by an organized group of people with a common bond. Members of credit unions pool their assets to provide loans and other financial services to each other.
  • A Credit Union is Not-for-Profit, owned by its members and operated by a volunteer Board of Directors. A bank is owned by outside stockholders and controlled by a paid Board of Directors.
  • The above factors allow Ontario Shores FCU to pay dividends to their members and offer them lower loan rates, higher savings rates and fewer service fees.
  • The National Credit Union Administration (NCUA) is the federal agency that charters and supervises federal credit unions. They also insure savings in federal and most state-chartered credit unions across the country through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government. Their website is

What is iBanking?

iBanking is Ontario Shores Federal Credit Union’s online account access service. Members can access their own personal account information and process transactions via their home computer, work computer, or any mobile device that has Internet access.

When is iBanking available?

Members can use iBanking 24 hours a day, seven days a week.

What will iBanking cost?

iBanking is FREE to all Ontario Shores FCU members.

What are the benefits?

  • Saves time: No need to make extra trips to the branch!
  • Convenience: Access to accounts from work, home, school and on the go…!
  • Saves money: Eliminates postage and travel costs!
  • Simplicity: It’s easy to use!
  • Fast: No waiting in line!
  • Safe: The system is safe and secure!
  • Go Green: Electronic delivery of your statements – eliminate your paper mail.

How does it work?

Log into iBanking located on the right side of our website. Due to regulatory restrictions, members must agree to the online disclosures regarding electronic communication before account access is granted through iBanking. These disclosures will appear the first time you enter the site.

What happens if the account or password does not work?

Please contact a Ontario Shores FCU representative for assistance. Email us at, or call us at (716) 778-7423 during regular business hours.

What type of functions will be available within iBanking?

iBanking offers account balances, activity, and history; account transfers between accounts; loan payments; online applications; sign-up for e-Statements, or Online Bill Payment Service; account export into a formatted file; Personal Check Ordering; VISA® Credit Card account access; user options, and Help information.

How do I sign up for online statements?

Once logged into iBanking, follow the instructions provided to start receiving online statements.

What about security?

Security refers to preventing unauthorized access to a computer system or network. COCC – our data processor – uses several layers of technology to prevent unauthorized users from gaining access to our internal network. Intuit security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers and firewalls.

Member account security and privacy are top priorities at Ontario Shores FCU. We encourage following the guidelines below maintaining the highest possible protection.

  • Never reveal your password.
  • Passwords should be eight or more characters, use a mix of letters, numbers or symbols
  • Members can change passwords any time.
  • Password should be changed frequently.
  • The “Logout” option should be used to exit; the browsers back button should not be used.
  • The amount of time members can be inactive before being automatically logged out is preset.
  • Members should balance their account at a minimum of once a month, so any discrepancies can be reported immediately.

Can iBanking privileges be revoked?

Yes. Members that cause a loss to Ontario Shores FCU will have reduced services, which may result in iBanking privileges being revoked.

Who can I contact for more information regarding Online Services?

Members are welcome to call Ontario Shores FCU at (716) 778-7423 for more information.

Online FAQs