OnPath Credit Union

Frequently Asked Questions

General Checking

  1. The OnPath FCU routing number is 265075087. This number is most often requested as part of direct deposit or auto draft set ups, and typically precedes your member number.

  2. Many different check styles are available. To browse and save time when ordering, visit https://reorder.libertysite.com/default.aspx to select your favorite style and view pricing options.

    Online:

    If you have a Liberty reorder form that contains your reorder ID and start number, and you do not have any changes to your personal information, please visit https://reorder.libertysite.com/default.aspx to order checks online. You will need to use OnPath FCU Routing and Transit Number along with your account number. These numbers are from the bottom row of numbers on your checks.

    If you have changes to your personal information, please make all updates at your local OnPath FCU branch, or by logging into your account via our Online Banking system

    By Phone:

    To reorder your checks by phone through Liberty Harland Clark call 877.585.8777.

  3. Being an OnPath FCU member allows you the option of covering your share drafts (checks) by an automatic transfer from your Savings Account, Line of Credit (LOC) or Money Master Account. In order for the overdraft protection to work, the funds will need to be available. The transfer of funds from the account or LOC are done automatically. The member is charged a minimal transfer fee. Please keep in mind that Savings accounts are regulated to only allow 6 electronic withdrawals a month.

    Some of our Checking Accounts offer Courtesy Pay, a benefit to our members that may protect your account in the event that you are accidentally overdrawn. However, anytime you have non-sufficient funds in your checking account OnPath FCU charges a fee.

  4. Establish your OnPath FCU membership, then write a check from your account at the other financial institution. Once all your checks from your other account have cleared and you've received your new checks and Visa Debit Card from OnPath FCU, close the account at the other financial institution.

  5. You may call or come into an OnPath FCU branch to complete the stop payment. This service is also available through our Online Banking system. A processing fee will be charged for stop payment requests.

  6. Here are the shortcuts to our Telephone Navigation System. That way you know which buttons to press to get to the correct department faster. 

    Telephone System Navigation Instructions - English

    Telephone System Navigation Instructions - Spanish 

Debit Cards

  1. If you need to report a lost or stolen OnPath FCU ATM, Debit, or Credit Card you have multiple options to notify us.

    • You may report a lost or stolen OnPath FCU ATM, Debit, or Credit Card at any of our branches.
    • During normal service hours, you may call our Telephone Service Representatives at 504.733.7274 or 800.749.6193.
    • Enter "4" to speak with one of our Telephone Service Representatives
    • You may call DASI, our automated phone system at 504.733.7274 or 800.749.6193 and follow the instructions below.
      • Enter "1" to Log into the automated phone system
      • Enter "2" to Sign-on to your membership
      • Enter "3" to Enter New Member & Other Activities site
      • Enter "6" to Report your OnPath FCU ATM or Debit Card lost or stolen

    Our office hours are M-F, 9am to 7pm and Saturday 9am to 5pm.

  2. If your OnPath FCU Debit card has been lost, stolen, or you suspect unauthorized use, have peace of mind knowing you will not be responsible for unauthorized purchases. Report it to us immediately by following the instructions above. To protect your account from unauthorized use, memorize your PIN. Do not keep the PIN with your Debit card.

  3. There are two types of Debit Card transactions: debit (PIN) and credit (signature). When paying for a purchase, the clerk will ask "debit or credit?" When you reply "debit" to the clerk, it becomes a PIN transaction. You are required to enter your Personal Identification Number (PIN) after the card has been swiped through a point of sale terminal. With PIN transactions, funds are withdrawn from your Checking Account immediately at the time of the transaction. When you reply "credit" to the clerk, it becomes a signature transaction. Signature transactions do not require your PIN but you do sign a slip to accept the transaction. With signature transactions, funds are sometimes held in your Checking Account at the time of purchase until the transactions post to your account in one to three days. Some companies do not hold the funds and will clear the Checking Account within a few days.

  4. The Debit Card has a spending limit of $1,000 per day when used as a debit. The spending limit is equal to the available balance in your Checking Account minus outstanding purchases that have not posted, with a daily total of $1,000. The Debit Card has no spending limit per day when used as a credit.

  5. You can withdraw up to $500 per day or per 24 hour period, provided the funds are available in your account.

  6. That just means it is not an ATM owned and operated by OnPath Federal Credit Union.

  7. You can use any OnPath FCU ATM free of charge. You may also use a number of ATMs in the Dolphin Debit Network for little or no fee. Locations are available on our locations page. You may also get cash back at the check-outs of most local merchants and major retailers.

  8. OnPath FCU does not add any additional charges to your transactions at foreign ATM's, however, the institution owning the machine may charge you a fee. This fee can range from $1 to $5, depending on the institution.

  9. As you proceed through the process of a transaction, a screen tells you that a charge will be added to the requested amount and give you the option to stop there or continue and agree to the charge. There should also be a notice on the front of the machine informing you of the charges.

  10. To reset your Debit PIN, call 866.985.2273. To reset your Credit Card PIN, call 888.886.0083. In order to update your pin number, your contact information must be correct in our system. To avoid delays, please take the time to update your information using our Online Banking system, or by visiting any one of our branch locations.

  11. Yes, to better protect you, please add a note to your account while you are traveling. You may do so by calling 504.733.7274 or 800.749.6193, Monday – Friday, 9am - 7pm, and Saturday 9am - 5pm. After hours, you may select the Fraud hotline option by calling 504.733.7274 or 800.749.6193.

  12. Debit cards can be used to secure or pay for rental cars.

  13. Here are the shortcuts to our Telephone Navigation System. That way you know which buttons to press to get to the correct department faster. 

    Telephone System Navigation Instructions - English

    Telephone System Navigation Instructions - Spanish 

Online Banking

  1. From any page on the OnPath FCU website, click LOGIN in the upper, left corner of the page. From there, select SIGN-UP. Follow the prompts to enroll in Online Banking. You will need your OnPath FCU member number (Member ID) and Social Security Number.

  2. Log into your Online Banking account from any page of our website using your current password. Once logged in, select settings to change existing password and follow on-screen prompts. 

  3. You will need is internet access and the proper browser. Make sure that your browser is either Microsoft Internet Explorer 8 or 9, Mozilla Firefox – any version later than 3, Google Chrome, or Apple Safari.

  4. Keeping your login information confidential is important in keeping your account safe. It is recommended to change your password on a regular basis to avoid unwanted logins. OnPath FCU also suggests using private computers to access your account. Saving passwords on a public computer may increase the chances of unwanted access. 

  5. Sure, just stop into one of the branches and sign the cross member transfer form. If you would like to move funds between two memberships, we ask that all parties involved be joint on these accounts and sign this form.

Bill Pay

  1. Well, for one thing... It's free for Checking Account holders. It will offer you the convenience and peace of mind that you are in charge of your bill payments. You can determine when you want the payment sent (when direct deposit is posted or even on pay day) and keep your checking balance healthy. OnPath FCU's Online Banking service allows you to check your account balance and transfer funds to checking (if necessary) at your convenience.

  2. Pay bills electronically by logging into your OnPath FCU online account and by clicking on the Bill Pay tab. From there, you can set up your one time or reoccurring payments to be made automatically, and it's free. Questions about Bill Pay can be answered by calling our TSR department number at 504-733-7274.

    Here are some of the features of Bill Pay:

    • Pay anyone, anytime, anywhere in the U.S.
    • Add, change, delete, and organize your bills
    • Review recent and pending payments
    • Online receiving and viewing of bills
    • A user-friendly Payment Center that helps you manage all of your bill payment activity from one convenient screen
    • Bill reminders that notify you when a payment needs to be scheduled or when a payment has been made

    A built-in calendar feature that will assist you with identifying the earliest available payment date.

  3. No, all payments must come from your OnPath FCU Checking account. Please make sure that you have the available funds in your Checking account.

  4. Click the box that reads "Add a company or person to pay."

  5. To schedule a new payment:

    • Payees name will appear and you will need to click on the box which has $0.00 listed in it.
    • Enter the amount you would like to pay.
    • Click on the calendar to select the send date, this will then prompt the deliver by date to appear.
    • Press the pay button.
  6. Yes, only when it is listed under Scheduled Payments. You will need to select the red "X" next to the payee you would like to delete.

  7. Yes, only when it is listed under Scheduled Payments. You will need to select the pencil next to the payee you would like to edit. It allows you to edit the Amount of Payment and Send Date.

  8. Yes, you can stop a payment by logging into bill pay or by calling a representative at 504.733.7274. Certain restrictions may apply. 

  9. From the day our remittance processor receives the bill payment request, allow two (2) business days to process electronic merchants and five (5) business days for paper check merchants.

  10. Funds are withdrawn from your Checking account on the delivery date. To avoid additional fees or delays, please ensure appropriate funds are available in your account. 

Wire Transfers

  1. OnPath FCU does offer Western Union Transfers. We can also send and receive domestic and international wires for our members. The information needed to receive a wire into your OnPath FCU membership is:

    To: OnPath Federal Credit Union
    Routing #/ABA: 265075087
    Member name, account number and type of account

    Please note that the account number you use is the one located at the bottom of your check. If you are using a savings account you will use your 10 digit account number.

Plastic Cards

  1. OnPath FCU does not charge an annual fee with any our VISA Credit Cards.

  2. There is a cash advance fee of 3% (minimum $5).

  3. Two business days.

  4. We do not charge an over-the-limit fee on Visa credit cards.

  5. You can make your Visa payment several different ways:

    • Via our Online Banking system (may set up automatic payments) 
    • Through our Telephone Banking system (504.733.7274 or 800.749.6193)
    • By speaking with our Telephone Service Representatives (504.733.7274 or 800.749.6193)
    • At any of our 11 branches
    • Mailing payments by check or money order to our main office at 5508 Citrus Blvd., Harahan, LA 70123

    Payments made by 6pm through the Online Banking system will post the same day.

  6. Once your new card is received, call the number on the card to activate, confirm your pin number, and remove the activation sticker. In order to activate your new card, your contact information must be correct in our system. To avoid delays in activation, please take the time to update your information using our Online Banking system, or by visiting any one of our branches. You must be enrolled in order to change your contact information through our Online Banking system. Once logged in, you may edit your profile in Settings.

  7. No, if the chip is covered in any way, it may not work.

  8. Other than out-of-network ATM fees, there are no additional fees to use your card.

  9. Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

  10. Yes, If your card is lost or stolen, you are covered by Visa’s Zero Liability Policy*. This means you are protected against unauthorized use.

  11. You can use your card at millions of places that accept Visa® Credit and Debit cards, at home and around the world, in-store and online. To ensure the safety of online purchases, OnPath Financial offers a secure check-out process for many online purchases.

  12. All Visa® cards offer protection from unauthorized use of your card or account information. Visa® chip technology offers another layer of security when used at a chip-activated terminal. While Visa® chip technology generates a one-time use code that’s virtually impossible to counterfeit, the account information may still be subject to compromise. Notify usn immediately of any unauthorized use and know you are protected with Visa's Zero Liability Policy*.

  13. No. In most cases, you'll sign for credit purchases – just like you do today. You may not be required to sign for certain types of transactions involving relatively small purchase amounts.

  14. More of the places you like to shop are transitioning to chip-activated terminals every day. The checkout process is only slightly different than usual. First, swipe your card like you do today. If a chip-activated terminal is available, you will be prompted to insert the chip end of your chip card into the terminal with the chip facing up. Leave your card in the terminal and follow the prompts on screen. At a restaurant, a portable terminal may be brought to your table.

  15. While your card is in the chip-activated terminal, the embedded chip creates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. If you remove your card too soon, your transaction will be canceled. Many terminals will provide a signal when it is safe for you to remove your card.

  16. Yes. If a merchant is not yet chip-activated, simply swipe your card. Keep in mind, you may need to sign for your purchase depending on the amount.

  17. Some merchants may have installed chip terminals, but haven't activated them yet. In these cases, simply swipe your card to pay.

  18. If you need to report a lost or stolen OnPath FCU ATM, Debit, or Credit Card you have multiple options to notify us.

    • You may report a lost or stolen OnPath FCU ATM, Debit, or Credit Card at any of our branches.
    • During normal service hours, you may call our Telephone Service Representatives at 504.733.7274 or 800.749.6193.
    • Enter "4" to speak with one of our Telephone Service Representatives
    • You may call DASI, our automated phone system at 504.733.7274 or 800.749.6193 and follow the instructions below.
      • Enter "1" to Log into the automated phone system
      • Enter "2" to Sign-on to your membership
      • Enter "3" to Enter New Member & Other Activities site
      • Enter "6" to Report your OnPath FCU ATM or Debit Card lost or stolen

    Our office hours are M-F, 9am to 7pm and Saturday 9am to 5pm.

  19. Contact us immediately at 504.733.7274 to speak to a Telephone Service Representative.

  20. If you suspect fraudulent activity on your account, contact us immediately at 504.733.7274 or 800.749.6193 to speak to a Telephone Service Representative. 

  21. There are two types of Debit Card transactions: debit (PIN) and credit (signature). When paying for a purchase, the clerk will ask "debit or credit?" When you reply "debit" to the clerk, it becomes a PIN transaction. You are required to enter your Personal Identification Number (PIN) after the card has been swiped through a point of sale terminal. With PIN transactions, funds are withdrawn from your Checking Account immediately at the time of the transaction. When you reply "credit" to the clerk, it becomes a signature transaction. Signature transactions do not require your PIN but you do sign a slip to accept the transaction. With signature transactions, funds are sometimes held in your Checking Account at the time of purchase until the transactions post to your account in one to three days. Some companies do not hold the funds and will clear the Checking Account within a few days.

  22. The Debit Card has a spending limit of $1,000 per day when used as a debit. The spending limit is equal to the available balance in your Checking Account minus outstanding purchases that have not posted, with a daily total of $1,000. The Debit Card has no spending limit per day when used as a credit.

  23. Depending on the ATM location you can withdraw a maximum of $1000 per day or per 24 hour period, provided the funds are available in your account.

  24. That just means it is not an ATM owned and operated by OnPath Federal Credit Union.

  25. You can use any OnPath FCU ATM free of charge. You may also use a number of ATMs in the Dolphin Debit Network for little or no fee. Locations are available on our Contact Us page. 

  26. As you proceed through the process of a transaction, a screen tells you that a charge will be added to the requested amount and give you the option to stop there or continue and agree to the charge. There should also be a notice on the front of the machine informing you of the charges.

  27. OnPath FCU does not add any additional charges to your transactions at foreign ATM's, however, the institution owning the machine may charge you a fee. This fee can range from $1 to $5, depending on the institution.

  28. Bring your card into any of our branches and we can change your PIN to a number of your choice. We need the actual card in order to encode the new PIN onto the magnetic strip on the back. Remember, PIN numbers cannot be issued in consecutive order, such as 1234 or 4321. Pick a unique number that only you would know, but will be able to remember.