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Team One Rates

Today's Rates
   
Auto APR
New 2.99%*
Used 2.99%*

Mortgages
10 yr. fixed 3.750%*
15 yr. fixed 3.750%*
30 yr. fixed 4.250%*

CD APY
12 - 23 Mo 1.06%*
24 - 35 Mo 1.36%*
48 - 59 Mo 1.87%*
View More
(APR = Annual Percentage Rate)
(APY = Annual Percentage Yield)
*Rates listed represent our best rate and is based on credit history. Rates are subject to change. Contact Team One for details.




Home  >  Team One  >  Merger



Dear Members,

Owosso Columbus Credit Union (OCCU) is pleased to announce the recent decision by their Board of Directors and membership to merge with Team One Credit Union, headquartered in Mid-Michigan.

“I am confident that this partnership will prove to be a great fit for both credit unions and the combined communities that we serve” says Suzanne Hutto, CEO/Manager of Owosso Columbus Credit Union.

The merger will provide OCCU Members with a wider range of financial products and services, a new larger Owosso branch office with an ATM and multi-lane drive-thru, as well as a call center with expanded hours and much more.

Team One Credit Union has been serving the financial needs of Mid-Michigan families since 1935 and is a well-respected credit union leader. With assets of over $408 Million, Team One proudly offers services including Mortgages, Commercial Services, Mobile Banking, Investment Services and much more to families and businesses in 63 Michigan counties.


Sincerely,
Bill Farrell Suzanne Hutto
Chairman, Board of Directors CEO/Manager




OCCU – Team One Merger FAQ
Browse answers to frequently asked questions about the OCCU-Team One Merger

Office

Will the Owosso office remain open?
Yes, this office will remain open for service with plans to build a larger facility.

Will there be an ATM at the Owosso location? Will there be a night deposit?
Yes, the new, larger facility will include an ATM and night deposit option.

Will the phone number change?
No, for your convenience the phone number to the branch will remain the same.

Will the current office staff change?
The current staff members will remain a part of the credit union in addition to a few new employees.

Loan Rates

Will my loan payments be the same? Will I still make my payment the same way?
Yes, current loan payments and interest rates will remain the same as well as the method that you make your payments today.

Will the loan and savings rates be the same?
The credit union reviews loan & savings rates and makes changes regularly to remain competitive.

Account Access

Will my account number stay the same?
The only change to your account number will be adding “20” to the beginning of your current number. For example, if your current number is: 1234, your new account number will be “201234”.

Will I still be able to access my OCCU online banking after the merger?
Yes, you will still have access to your account from online banking, including account history. At some point in the future we will require OCCU members to convert to Team One’s free online banking service.

Can I still call to make account transfers and get my account balance?
Yes, you can still call the current phone number (989-723-2243) for account assistance.

Will I still have my various OCCU savings accounts or will they be combined into one?
You will have the same number of accounts as you enjoy today. Please note the new account number format of adding the numbers “20” to your current number.

Will my credit & debit cards still work after the merger? Will I have to pay for new cards?
Yes, your current credit card will continue to work after the merger; however debit cards will need to be reissued in a short time period. In the near future we will be issuing new credit cards to all credit union cardholders at no cost to our membership.

General

What will the Owosso office new name be?
The name will be the Owosso Columbus Branch of Team One Credit Union.

Will I still reach a real person when I call or an automated system?
Yes, you will still reach an OCCU staff member when you call by using the Owosso Columbus Credit Union number 989-723-2243. During times of higher call volume, you may be directed to the Communication Center for assistance.

What new services will be available to OCCU members?
New services that OCCU members can look forward to include Mortgages, Indirect Auto Loans, Investment Services, Mobile Banking, E-Sign, ID Protect and much more.

Will the credit union hours stay the same?
The credit union’s office hours will be expanded to the following:
Mondays, Tuesdays, Thursdays from 9 am-5 pm
Wednesdays from 9:30 am-5 pm
Fridays from 9 am- 5:30 pm (Drive thru open until 6 pm)
Saturdays from 8:30 am-12:30 pm (drive thru only)

Checking Account

How long can I use my current checks? Will I have to pay for new checks?
Initially you will be able to use your current checks after the merger. At some point in the future, we will issue OCCU check holders new checks at no cost.

What will happen with my Direct Deposit and automatic withdrawals from my OCCU account?
Your Direct Deposit and automatic withdrawals will be posted the same way they are currently.

Still have questions about this merger? Contact us today at 888-288-3261.


Logging into your new Online Banking
Browse answers to frequently asked questions about your new Online Banking

Q: How do I login to the new Online Banking?

When logging in to Online & Mobile Banking services you will be required to use a new Online Banking ID (Username) and Password (See below). Moving forward you will no longer be able to use just your credit union member number to access your account using these services. This change is a part of our system upgrade that provides greater functionality and also enhanced security measures for your protection.

If you are viewing the website from a laptop, computer or tablet you can login to Online Banking by clicking the orange "Online Banking Login" button located at the top right corner.

If you are viewing the website from a mobile device you can login to Online Banking by clicking the gray "Online Banking Login" button.



When you log on to the new Online Banking platform for the first time you will need to use the following Online Banking ID (Username) and Password to access your account:

Login Field How to Set: Example
Online Banking ID "TO" + YOUR ACCOUNT NUMBER
Do not use the 8-digit format that contains leading/ending zeros
"T" for Team, "O" for One
"TO" must be capitalized
If your Account Number is 123456, your username is TO123456
Password Last 4 of Digits of the Primary’s SSN + First 3 characters of your LAST NAME
Also use as "Current Password" when prompted to change password
If your name is John Smith and the primary's SSN is 123-45-6789, your password is 6789SMI

Passwords for Business Members: Use the Last 4 Digits of your TAX ID # and the First 3 Characters of your Business Name.
If your Company name is ABCDE Company and your EIN is #123-45-6789, your password is is 6789ABC

Q: Do I have to complete all of the Multi-Factor Authentication to use Online Banking?

These added security features are to help reduce the possibility of fraud occurring through your Online Banking profile. Your previous image is no longer available and will not display in Online Banking. You will need to choose a new image. The setup only takes a couple of minutes.

Q: How do I change my Online Banking ID?

In Online Banking, click Settings”
In "Modify Login Information”, Enter New user name
At the bottom of the page, click "submit”

Q: How do I change my password in Online Banking?

In Online Banking, click "Settings”
In "Modify Personal Settings”, create a password reset question and answer
At the bottom of the page, click "submit”

Please note: Passwords must be between 6 and 10 characters in addition to containing at least one letter and one number.

Q: How do I change my Image in Online Banking?

In Online Banking, click "Settings”
In "Modify Personal Settings”, Click on Watermark (current picture) to change image
Click to Select or Change your Image
At the bottom of the page, click "submit”

Q: What if I forget my password?

You will now be able to reset your password at any time. Simply click the "forgot your password” link when you sign in and follow the instructions. You will need to know your Online Banking ID and your email address on file. You will receive an email with instructions on how to reset your Password. You will be asked your Password Reset Question and answer with your Password Reset Answer that was set at the time of initial enrollment.

Q: What do I do if I forget my Online Banking ID and password?

Contact Team One Credit Union by sending an email to eservices@teamonecu.org or by calling (989) 754-6575 or Toll-free (888) 288-3261. Be prepared to give an account number and your social security number to the representative for identification purposes. The representative will reset you.

Q: What do I do if my login to Online Banking is denied?

Contact Team One Credit Union by sending an email to eservices@teamonecu.org or by calling (989) 754-6575 or Toll-free (888) 288-3261. Be prepared to give an account number and your social security number to the representative for identification purposes. The representative will reset you.

Q: How do I transfer money to another Team One Credit Union account?

Transferring money to another account using the TRANSFER TO ANY ACCOUNT function, you will need the account number the money is transferring to, the First 3 characters of primary account holder’s last name, and account ID.

Examples of possible Transfer funds to ID are:
    Savings    0001
    Checking    0040
    Loan    0150

Q: Will I still be able to see and do the same things with the upgrade as I did with the old system?

While the new system offers a host of new features to help you manage your finances, the basic features and functions will remain. You’ll still be able to view statements, view recent transactions, pay bills, etc. You’ll find the new menus and screens are much more user-friendly.

Q: Why aren't my E-Statements displaying?

If you are not seeing the E-Statements tab opening after clicking E-Statements in Online Banking, check your pop up blocker settings. If you have the option, please select “always allow pop ups for this site”. If you do not see that option, add the following address to your sites that allow pop ups: cm.netteller.com

If you are using the Firefox browser and trying to access E-Statements through Online Banking and unable to view them, please do the following:
      1. Click on the 3 dashes (just below the X in the upper right corner)
      2. Click options
      3. Click content
      4. Click exceptions
      5. Enter web address: CM.NETTELLER.COM
      6. Click allow, close, ok

If you are using the Internet Explorer browser and trying to access E-Statements through Online Banking and unable to view them, please do the following:
      1. Click on the gear icon (just below the X in the upper right corner)
      2. Click internet options
      3. Click privacy tab
      4. Click settings
      5. Enter web address: CM.NETTELLER.COM
      6. Click add, close, apply

If you are using the Google Chrome browser and trying to access E-Statements through Online Banking and unable to view them, please do the following:
      1. Click on the 3 dashes (just below the X in the upper right corner)
      2. Click settings
      3. Scroll down and click show advanced settings
      4. Under privacy section click content settings
      5. Scroll down to pop-ups
      6. Click on manage exceptions
      7. In the hostname pattern you will enter the website (CM.NETTELLER.COM)

Q: How do I make a VISA payment in Online Banking?

Within Online Banking select Transfers. To complete a New Transfer, select from the drop down to *Transfer funds from, select from the drop down to *Transfer funds to the VISA account record, the *Transfer Amount, the *Frequency, *Transfer Date, then click “Submit”. Click “Confirm” to complete the payment.

Please note: If your VISA has a $0.00 balance your VISA will not display as an option to *Transfer Funds to from the drop down list.

Q: How can I submit comments or suggestions regarding the changes to Online Banking?

Click on the “Message Center” link in the upper-right hand corner to send us a message through email within Online Banking.


Trouble Logging in? Email us at eservices@teamonecu.org or Live Chat with us.
Team One Credit Union