Option 1 Personal Banking

O1 MOBILE Banking

There's more to mobile!

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Welcome to O1 MOBILE Banking

Option 1 Credit Union's O1 MOBILE Banking gives you access to your accounts and free bill pay, anytime, anywhere from your mobile device - phone, tablet, and more.  O1 MOBILE Banking is safe and secure.

Option 1 Credit Union offers you options including a Mobile App, Web/Wap, Online Banking, and Text Banking.  New options include:  Quick Balance and Alerts.

Quick Balance:  To set up Quick Balance on your O1 MOBILE Banking app, you need to log in, go to Accounts, then click on the settings button on the lower right (looks like a hammer and crescent wrench crossed).  From here you can select which accounts you want to have in a quick balance view.  Enable the Quick Balance and you are all set.

Alerts:  Alerts are reminders that notify you of important information when you need it.  To set up alerts, log in to your O1 MOBILE Banking app, click Alerts, and click New Alert.  On the Alert Home Screen you will see what alerts you have set up already or you can select a new alert or help.  There are three alerts available.  Check the Texting, Alerts, and More tab below for more information. 

Deposit a check by phone:  With your O1 MOBILE Banking app,  depositing a check has never been easier.Deposit checks fast and securely with your mobile phone or tablet.  Click here to visit our page on remote deposit capture.  

When you visit the Option 1 Credit Union website from your mobile device, you will see login options. To access your accounts through our Mobile Banking site (Web/Wap), click on the Mobile Banking Login. To access your accounts through our O1 ONLINE Banking platform (NetTeller), click on the Online Banking Login. Please note, the various login features may not appear on PCs. The options are designed for remote device browsers.

TIP: If you do not see the button options when accessing from a remote device, you may need to clear your history or cache. If you have any questions, please contact us.


Option 1 has a FREE app available for your smartphone, tablet, and remote devices. The app allows you to access your accounts, pay bills, and check balances right from your phone or tablet. The convenience of O1 ONLINE Banking has been built into an app so you can access your money on a secure network whenever and wherever you need. To activate and use O1 MOBILE Banking, you must be an O1 ONLINE Banking user. Click here for details and to register for online banking.

With the O1 MOBILE Banking smartphone app, you can:

  • Check account balances
  • View account history
  • Check messages
  • Transfer funds including Member to Member transfers
  • Pay Bills and verify payments with your Option 1 Bill Pay
  • View graphs of saving and expense patterns
  • Find branch and ATMs - Option 1, shared branches, and CO-OP ATMs

Apple App Store DownloadGoogle Play Store Download

At Option 1 Credit Union we continually assess our systems and implement enhancements to provide you, our member, with the most secure, up-to-date, online experience possible. From time to time you may be challenged with a one-time PIN as a result of on-going security measures.  To view the O1 MOBILE Banking Terms and Conditions, click here

  • How To
  • Texting, Alerts, and More


  • For iPhone / iPad / iPod Touch: download the free app from the Apple Store, search Option 1 Credit Union
  • For Android: download from the Android Market, search Option 1 Credit Union
  • For other devices: visit http://m.option1cu.org and click Mobile Banking. From there a link will display to download our app.


The O1 MOBILE Banking app occasionally requires the settings to be updated on your device. The procedures below will assist you with updating the settings on your device:

Apple Devices: Open the app on your device. Tap the About button, then tap the Back button. Your settings have been updated, you can then proceed to login to the O1 MOBILE Banking app.

Android Devices: Open the app on your device. Tap the Setup button and proceed to login. Your settings have been updated and you can proceed to use O1 MOBILE Banking as usual.

If your phone is not app compatible, you can securely access O1 MOBILE Banking with our secure web version. When you visit the Option 1 Credit Union website from any mobile device, you will see login options - one for O1 ONLINE Banking and one for Mobile Banking. Depending on your device and how you prefer to access your accounts, you have options to login with the option that best fits you.

Or you can just go to http://m.option1cu.org on your mobile device browser and you will be automatically redirected to our mobile website. Click on the Mobile Banking link and sign in using your O1 ONLINE Banking information.


SMS or Text Banking is a simple way to get balance and transaction information in real time. By simply sending a text message command to Option 1, you will receive a response with the requested information. It provides quick and simple access to your account balances, account history, and allows you to transfer funds. Click here to learn more. 


Alerts are reminders that notify you of important information when you need it.  To be active, you must setup and turn on the alerts you want.  To stop receiving alerts simply delete them at any time.

To set up alerts, log in to your O1 MOBILE Banking app, click Alerts, and click New Alert. On the Alert Home screen you will see what alerts you have set up already or you can select a new alert or help.  There are three alerts available:

  1. Daily summary.  This alert is sent once a day every day and includes the balance for the account and any transactions that have cleared your account since the previous day’s alert.
  2. Balance changed.  This alert is sent if your balance changes either up or down from one day to the next.  If your balance does not change no alert is sent.
  3. Balance below.  This alert is sent if your balance falls below an amount you have entered into the alert setup screen.  For example, if you set $100 to be the alert value then your balance changes from $150 to $75 you will receive an alert. 

All alert functionality is accessed from the Alert Home screen.  You can create alerts for each account, delete alerts or edit the value for the Balance Below alert.  For example, if you want a low balance alert for your checking account and another one for your saving account you have to setup alerts for each account separately.

Note:  Your phone must be enrolled for SMS before enabling above alerts.  Just log in to O1 MOBILE Banking and click SMS.  The SMS Profile screen will allow you enroll up to 5 different mobile numbers. 


Because mobile devices are much easier to misplace and are more susceptible to theft, Option 1 Credit Union recommends that you secure your device with a PIN or password. While you will be prompted for your online banking password before you can access your account, this will provide another layer of protection. Contact your service provider for more details on setting up a PIN or password for your specific mobile device

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