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Credit Cards 
With no annual fee, low rates, zero liability and a ScoreCard points program redeemable for gifts and travel, our VISA credit card offers it all.
OTTO 24 Telephone Banking 
OTTO 24 gives you the ability to access your OMNI accounts 24/7. All you need is a phone to take advantage of this free and convenient service. Just place a simple phone call to bank from the comfort of you home or while you're on the road.
Call OTTO 24 toll-free at 866-487-7715. Once you hear the welcome greeting, log in with your account number and Personal Identification Number (PIN) and conduct the following transactions.
- Check current balances and latest deposit information
- Retrieve interest information on deposits and loans
- Review interest information on deposits and loans
- Review checks that have cleared
- Make OMNI Loan payments from checking or savings
- Transfer funds between accounts
eStatements 
Sign up to receive an email notification when your checking statement is ready each month. Then just log into Internet Banking to view your e-statement. A PDF of your statement will be readily available for you to view and print whenever you need it.
eAlerts 
With eAlerts, you're always in touch with your Credit Union accounts. eAlerts are free, electronic messages about recent account activity delivered by e-mail or text message to your cell phone.
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Direct Deposit 
Sign up for Direct Deposit and you paycheck or Social Security check will be securely deposited into your OMNI savings or checking account each payday. Whether you are traveling or unable to visit the credit union, the money will be available for you to use.
To enroll, give you Payroll Department or the Social Security Administration the name(s) on your account, your Social Security number, your checking or savings account number and OMNI's routing number: 2724-7665-3.
To contact Social Security about direct deposit, call 800-772-1213, Monday - Friday, 7am - 7pm.
Free Internet Banking 
With just a click of the mouse, you can securely access you OMNI personal accounts online with our Internet Banking and conduct the following transactions from the privacy of your PC, anytime and anywhere.
- Check current account balances and account history
- Transfer funds between accounts
- Make payments on OMNI loans
- View current and previous statements
- View processed check images
Free ePay
Pay bills securely from your personal computer with ePay, OMNI's Online Bill Payment system. It's easy to use and helps you save time, postage and late fees. You can establish you own personal list of payees and schedule single, multiple or recurring payments, at no charge.
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ATM Card 
Use our ATM card to make deposits as well as balance inquires, withdrawals, transfer money or make payments on OMNI loans, 24/7. You can access your cast at more that 1,900 Michigan surcharge-free ATMs and 25,000 in North America whereever you see the red Co-OP Network logo.
MasterCard Debit Card 
Our Debit Card provides convenient access to your checking account or savings account. It works like a "plastic" check with the money for your purchases automatically deducted from your account. Use it to access cash at more that 25,000 surchage free ATMs or to pay for purchases anywhere MasterCard is accepted. For every dollar purchased with your card, you will earn one bonus point redeemable for a vast selection of quality gifts and travel.
- No monthly service fees
- No per-purchase fees at point-of-sale
- Choose your own PIN
- Zero liability for unauthorized transactions
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