A One-Time Passcode (OTP) is a security feature for transactions where your OAS FCU Debit or Credit Card isn’t present, such as online shopping. It is activated when a transaction appears suspicious, providing an extra layer of protection for your account. Before completing your purchase, you’ll receive an OTP via SMS or email (for credit card transactions, you’ll only have the email option), along with the purchase amount. You must enter this OTP on your device’s screen to finalize your transaction.

No. Only certain purchases will require further authentication. Visa’s security system determines which transactions need this extra layer of protection.

Before completing your purchase, a pop-up window will appear letting you know you need to enter a passcode. You can choose to receive it via text or email. For credit card transactions, you’ll only have the email option.

If we have an incorrect phone number or email address on file, you will not receive your passcode. Please update your contact details through Online Banking or by sending the correct information via secure message in the Message Center.

Your contact information might be outdated or incomplete, and the One-Time Passcode system was unable to complete its process. Please send us a secure message through Online Banking in the Message Center with your account number and updated contact information, or call us any time at 202-458-3834 so we or the call center after hours can assist you.

Incorrect One-Time Passcode options may be due to outdated or incomplete contact information. Please send us a secure message through Online Banking in the Message Center with your account number and updated contact details, or call us any time at 202-458-3834 for assistance. Ensure all communication is done securely.

No, this feature applies to all OAS FCU Debit and Credit Cards. If you choose not to use it, you will need to select a different payment method.

Not at all! A passcode is only required when Visa’s system detects a need for extra security.

Check that your contact information is up to date. If everything is correct and you still don’t receive it, try resending the code or contact customer support for assistance.