Frequently Asked Questions True Sky Credit Union FAQ's
FAQ’s2023-11-08T08:12:30-06:00

FAQ’s

Do non-purchase transactions qualify for credit card rewards?2026-09-30T12:24:27-05:00

No. Non-purchase transactions, including ATM withdrawals, Balance Transfers, Cash Advances, finance charges, fees and other non-purchase transactions, do not qualify for rewards.

What is the Member Giveback promotion?2026-09-30T12:24:27-05:00

The Member Giveback is a limited-time rewards offer running Oct. 1 through Dec. 31, 2026. During this period, eligible reward cardholders will earn 3 points for every $1 spent on qualifying purchases, instead of the standard 2 points per $1. Once the promotion ends, members will automatically return to earning the regular rate of 2 points per $1 spent on eligible purchases.

How are reward credit card points changing?2026-09-30T12:24:27-05:00

Reward cardholders will earn 2 points per $1 spent on qualified purchase transactions, an increase from the previous 0.5 points per $1 spent. Points can be redeemed at any time, there is no limit to the number of points that can be earned from qualified purchases and points will never expire.

Are Nonsufficient Funds and Overdraft Privilege fees changing?2026-09-30T15:38:50-05:00

Yes. Current Nonsufficient Funds Fees and Overdraft Privilege Fees are decreasing from $32 to $24 effective immediately.

What does the par value change mean for members?2026-09-30T12:24:24-05:00

The minimum dollar amount needed to establish and retain membership has been reduced from $5 to $1 to align with RBFCU. For current members, $4 has been released to their Primary Savings account.

What immediate benefits are available beginning Oct. 1, 2026?2026-09-30T15:34:54-05:00

Beginning Oct. 1, 2026, members will see several immediate updates, including a reduced par value requirement, lower Nonsufficient Funds Fees and Overdraft Privilege Fees, enhanced reward credit card earning potential and access to expanded business lending options through RBFCU.

Why is it important to keep my contact information current?2026-09-30T12:24:24-05:00

Keeping your mailing address, email address and phone number up to date helps ensure you receive important account-related updates, key dates and any action items that may affect your accounts during the merger integration process.

Who should I contact if I have questions about my account, loan or payment?2026-09-30T12:24:24-05:00

Members should continue contacting True Sky through their current service channels for account, loan or payment questions.

When will additional changes happen?2026-09-30T12:24:24-05:00

Most changes will occur when True Sky systems are converted to RBFCU systems in late 2027. If there are any changes or updates during the transition period, members will receive communications before any changes occur. Please ensure your contact information is up to date during the entire process.

Will I need a new mobile app?2026-09-30T12:24:19-05:00

No. You will continue to use the True Sky Federal Credit Union mobile app during the transition period until True Sky systems are converted to RBFCU systems in late 2027.

Will I receive new debit cards?2026-09-30T12:24:19-05:00

No. At this time, you will continue using your existing debit card(s) unless you receive notice of a change. If cards are updated or replaced in the future, members will receive instructions before any transition occurs.

Will my fees change?2026-09-30T15:35:55-05:00

While most fees will stay the same during the transition period, there are two immediate changes to fees that will occur:

  • Nonsufficient Funds Fees are reducing from $32 to $24
  • Overdraft Privilege Fees are reducing from $32 to $24
Will my rates change?2026-09-30T12:24:19-05:00

Current account rates will remain the same. If rates are updated in the future, members will receive communications before any transition occurs.

How will I know when something changes?2026-09-30T12:24:19-05:00

Communications will be sent to all affected members at least 30 days prior to any effective changes. You can also stay up to date with upcoming changes by reviewing information posted on trueskycu.org/tscu-rbfcu-merger.

What email address(es) will I receive those communications from?2026-09-30T12:54:56-05:00

Email communications from RBFCU will come from [email protected].

What communications should I expect to receive?2026-09-30T12:24:16-05:00

You may receive letters in the mail or with your monthly statements. You may also receive digital communications such as email or secure messages via your Online Banking account. Please ensure your contact information is up to date during the entire process

Will there be any service interruptions?2026-09-30T12:24:16-05:00

There are no planned service interruptions at this time until late 2027 when the True Sky systems will merge with RBFCU. Communications will be sent out to True Sky members with information and action items. Please ensure your contact information is up to date during the entire process.

When will True Sky systems be converted to RBFCU?2026-09-30T12:24:16-05:00

True Sky systems will be converted to RBFCU systems in late 2027. As both credit unions begin to merge systems, communications will be sent out to True Sky members with information and action items. Please ensure your contact information is up to date during the entire process.

When will the merger with RBFCU become official?2026-09-30T12:24:16-05:00

The merger with RBFCU became official on Oct. 1, 2026. While the combined credit union is now legally recognized as RBFCU, we still have significant work to do to combine our operations into one seamless organization.

Should I open new loans with True Sky or RBFCU?2026-09-30T12:24:12-05:00

Members may continue applying for available True Sky consumer loans such as auto loans, mortgage loans, personal loans and credit cards. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options.

Will I need to complete any paperwork?2026-09-30T12:24:12-05:00

No. You will not need to complete any paperwork at this time.

Do I need to open an RBFCU account?2026-09-30T12:24:12-05:00

No. You do not need to open an RBFCU account. True Sky members can continue to open accounts with True Sky. Accounts will be transferred to RBFCU when the credit union systems merge in late 2027.

Do I need to become an RBFCU member?2026-09-30T12:24:12-05:00

No. You will automatically become an RBFCU member when the credit union systems merge in late 2027.

Will the people I work with today still be there after the merger?2026-09-30T12:24:12-05:00

RBFCU does not plan to reduce the Oklahoma workforce as a result of the merger. Members can continue working with the True Sky employees they know, while gaining access to additional support and resources as the organizations integrate.

How does this merger benefit me? What benefits will I receive as an RBFCU member?2026-09-30T12:24:08-05:00

In the months ahead, True Sky members will gain access to an expanded range of financial products, services, convenience, support and benefits available through RBFCU.

Will I still receive local service?2026-09-30T12:24:08-05:00

Yes. True Sky members will continue to receive the same local service during this time. When systems merge in late 2027, members can expect additional service support from RBFCU.

Will local branches remain in Oklahoma?2026-09-30T12:24:08-05:00

Yes. Branches will remain and continue to operate in Oklahoma.

Who do I call if I need help?2026-09-30T12:24:08-05:00

Members should continue contacting True Sky through the current service channels for account, loan or payment questions.

Where do I make my True Sky loan payments after the merger? Will my loan payment still work?2026-09-30T12:24:08-05:00

There are currently no changes to how members make loan payments, automatic payments or recurring transfers. Continue to make your loan payments using the same methods. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will my direct deposits continue to work?2026-09-30T12:24:05-05:00

Yes. There are currently no changes to direct deposits, automatic payments or recurring transfers. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes

Can I still visit my local branch?2026-09-30T12:24:05-05:00

Yes. All current True Sky locations will remain open

Can I continue using True Sky Online Banking?2026-09-30T12:24:05-05:00

Yes. There are currently no changes to how members access their accounts. As integration work continues, members will receive updates about any future changes, available tools or required actions.

Can I continue using my current True Sky debit card/credit card?2026-09-30T12:24:05-05:00

Yes. Please continue using your existing debit card or credit card unless you receive notice of a change. If cards are updated or replaced in the future, members will receive instructions before any transition occurs.

Will my account access change right away?2026-09-30T12:24:02-05:00

No. There are currently no changes to member accounts or how they are accessed. Please continue using your accounts as you do today and follow this page for updates as they become available.

Will I still be able to access my True Sky accounts?2026-09-30T12:24:02-05:00

Yes. There are currently no changes to member accounts or how they are accessed. Please continue using your accounts as you do today and follow this page for updates as they become available.

Am I an RBFCU member now?2026-09-30T12:24:02-05:00

While now part of the RBFCU family, True Sky members are still on True Sky systems and won’t officially become RBFCU members until systems merge in late 2027.

Do I need to do anything? What actions do I need to take?2026-09-30T12:24:02-05:00

No action is required from True Sky members at this time. As both credit unions begin to merge systems, communications will be sent out to True Sky members with information and action items. Please ensure your contact information is up to date during the entire process.

Has the merger between RBFCU and True Sky Federal Credit Union been approved?2026-09-30T12:24:02-05:00

Yes. The merger between RBFCU and True Sky Federal Credit Union is complete, officially bringing the two organizations together as one credit union focused on expanded value, convenience and member support.

Will my account number change?2026-09-30T12:23:59-05:00

No. There are currently no changes to True Sky accounts or how they are accessed. If account number changes are needed in the future, members will receive advance notice with clear instructions and key dates

Will my True Sky membership automatically transfer to RBFCU?2026-09-30T12:23:59-05:00

Yes. When systems are merged in late 2027, all True Sky membership and accounts will transfer to RBFCU systems.

Will I need to update payroll or vendor payment information?2026-09-30T12:23:59-05:00

No. There are currently no changes to payroll or vendor payments. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes

Will True Sky merchant services be affected?2026-09-30T12:23:58-05:00

No. There are currently no changes to True Sky merchant services. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will ACH and wire services continue to operate normally?2026-09-30T12:23:58-05:00

Yes. Please continue utilizing ACH and wire services as you do today. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Where can I learn more about RBFCU business loans?2026-09-30T12:52:39-05:00

Members can learn more about RBFCU business loans at rbfcu.org/businessloans or contact RBFCU Business Solutions at 210-945-3800.

Are business lending options available to True Sky members?2026-09-30T12:23:56-05:00

Yes. Individuals interested in business loans will be referred to RBFCU, which offers a broader range of business lending options such as commercial real estate loans, SBA loans, business credit cards, commercial vehicle loans, business lines of credit and specialized collateral and equipment loans.

Will my True Sky business accounts be affected?2026-09-30T12:23:56-05:00

There are currently no changes to True Sky business accounts. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will there be changes to True Sky business accounts?2026-09-30T12:23:55-05:00

There will be no changes to current True Sky business accounts or loans. Individuals interested in business loans will be referred to RBFCU, which offers expanded business lending options such as commercial real estate loans, SBA loans, business credit cards, commercial vehicle loans, business lines of credit and specialized collateral and equipment loans.

What new RBFCU products or services will I gain access to?2026-09-30T12:23:55-05:00

As of Oct. 1, 2026, True Sky business members will be referred to RBFCU for business loan products. Generally, True Sky members will not have access to RBFCU products or services until the systems merge in late 2027. If members would like to browse the products and services offered by RBFCU, they can visit rbfcu.org.

Will any True Sky products be discontinued?2026-09-30T12:23:53-05:00

There are currently no changes to True Sky consumer products. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options.

Will my current True Sky accounts and services remain available?2026-09-30T12:23:53-05:00

Yes. There are currently no changes to True Sky accounts and services. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will I still have access to Shared Branch locations?2026-09-30T12:51:45-05:00

There are currently no changes to True Sky Shared Branch locations. Stay up to date with upcoming changes by reviewing information posted on trueskycu.org/tscu-rbfcu-merger.

Will drive-thru services at True Sky branches change?2026-09-30T12:23:53-05:00

There are currently no changes to True Sky branch drive-thru services.

Can I still use surcharge-free ATMs?2026-09-30T12:23:53-05:00

Yes. You will still have access to the CO-OP surcharge-free ATM network.

Will I have access to more ATMs?2026-09-30T12:23:50-05:00

RBFCU is also a member of the CO-OP surcharge-free ATM network. After the merger is complete, True Sky members will continue to have access to more than 30,000 surcharge-free ATMs worldwide – including RBFCU ATMs.

Will I have access to RBFCU branches in Texas?2026-09-30T12:23:50-05:00

True Sky members will not have access to their True Sky accounts at RBFCU Texas locations until the systems are merged in late 2027.

Will True Sky branch hours change?2026-09-30T12:23:50-05:00

There are currently no changes to True Sky branch hours.

Will any True Sky branches close?2026-09-30T12:23:50-05:00

There are currently no plans to close any True Sky branches.

Can I continue visiting my current True Sky branch?2026-09-30T12:23:50-05:00

Yes. All True Sky branches will remain operational.

Will all current True Sky loan products continue to be available?2026-09-30T12:23:47-05:00

There are currently no changes to True Sky consumer loan products such as auto loans, mortgage loans, personal loans and credit cards. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes

What happens if I’m currently in the process of applying for a True Sky loan?2026-09-30T12:23:47-05:00

Continue the application process with True Sky at this time unless notified otherwise.

Do I need to refinance my True Sky loan to RBFCU?2026-09-30T12:23:47-05:00

No. All accounts and loans will be transferred to RBFCU systems once systems merge in late 2027.

Will my True Sky loan’s payment amount change?2026-09-30T12:23:47-05:00

No. No changes to existing loan rates or terms have been announced as part of the merger integration. Members should continue following the terms of their current loan agreements unless they are notified otherwise.

Will my True Sky loan’s interest rate change?2026-09-30T12:23:47-05:00

No. No changes to existing loan rates or terms have been announced as part of the merger integration. Members should continue following the terms of their current loan agreements unless they are notified otherwise.

Will my True Sky loan number change?2026-09-30T12:23:44-05:00

No. There are currently no changes to current True Sky loans. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

What happens to my current True Sky loan?2026-09-30T12:23:44-05:00

There are currently no changes to current True Sky loans. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Can I apply for a loan with RBFCU?2026-09-30T12:23:44-05:00

Members should continue applying for available True Sky consumer loans such as auto loans, mortgage loans, personal loans and credit cards. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options.

Will my current loan rate or terms change because of the merger?2026-09-30T12:23:44-05:00

No. No changes to existing loan rates or terms have been announced as part of the merger integration. Members should continue following the terms of their current loan agreements unless they are notified otherwise.

Can I still make loan payments the same way I do today?2026-09-30T12:23:44-05:00

Yes. Please continue making loan payments using your current payment method unless you receive updated instructions. Members will be informed ahead of time if any payment process changes are needed.

Can I apply for a new loan during the integration process?2026-09-30T12:23:41-05:00

Yes. Members may continue applying for available True Sky consumer loans such as auto loans, mortgage loans, personal loans and credit cards. Business loan inquiries will be referred to RBFCU Business Solutions, giving members access to expanded business lending options.

Will my digital wallet (Apple Pay®, Google Pay™, Samsung Pay®) continue to work?2026-09-30T12:23:41-05:00

Yes. There are currently no changes to digital wallet accessibility. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Do I need to update recurring subscriptions like Netflix, Amazon or my utility payments?2026-09-30T12:23:41-05:00

No. There are currently no changes to recurring subscription payments. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will my credit card account change?2026-09-30T12:23:41-05:00

No. There are currently no changes to credit cards. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will my PIN change?2026-09-30T12:23:41-05:00

No. There are currently no changes to debit or credit cards. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will my debit or credit card still work?2026-09-30T12:23:38-05:00

Yes. Please continue using your existing debit card or credit card unless you receive notice of a change. If cards are updated or replaced in the future, members will receive instructions before any transition occurs.

Will I receive a new debit card/credit card?2026-09-30T12:23:38-05:00

No. At this time, True Sky members will continue using their existing debit or credit card(s) unless members receive notice of a change. If cards are updated or replaced in the future, members will receive instructions before any transition occurs.

Will I need to download the RBFCU Mobile® app?2026-09-30T12:23:38-05:00

No. Please continue accessing your True Sky accounts as you do today. True Sky members will be directed to RBFCU Online Banking and the RBFCU Mobile® app once systems merge in late 2027

When will I need to start using RBFCU Online Banking?2026-09-30T12:23:38-05:00

No. Please continue accessing your True Sky accounts as you do today. True Sky members will be directed to RBFCU Online Banking and the RBFCU Mobile® app once systems merge in late 2027.

Will online banking and the mobile app change?2026-09-30T12:23:38-05:00

No. There are currently no changes to how members access their accounts. As integration work continues, members will receive updates about any future changes, available tools or required actions.

Will there be any changes to account fees or minimum balances?2026-09-30T12:50:54-05:00

While most fees and minimum balances will remain the same during the transition period, there are three immediate changes that will occur:

  • Insufficient Funds Fees are reducing from $32 to $24
  • Overdraft Fees are reducing from $32 to $24
  • The minimum amount needed to establish and retain membership (par value) has been reduced from $5 to $1
Are my deposits still federally insured?2026-09-30T12:50:13-05:00

Yes. The National Credit Union Administration (NCUA) operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions up to $250,000. The $250,000 in coverage applies to each share owner (member), per insured credit union, for each account ownership category. For more information, you can review the “How Your Accounts are Federally Insured” pamphlet (https://ncua.gov/files/publications/guides-manuals/NCUAHowYourAcctInsured.pdf) and “Your Insured Funds” booklet https://mycreditunion.gov/sites/default/static-files/insured-funds-brochure.pdf) by the NCUA.

To estimate your coverage, use the “Share Insurance Estimator” on the NCUA’s website. (https://mycreditunion.gov/protect-your-money/share-insurance/share-insurance-estimator)

When should I order and start using RBFCU checks?2026-09-30T12:23:35-05:00

Please continue using your existing checks unless you are notified otherwise. Any future changes related to checks, routing information or account details will be communicated before action is needed.

Will direct deposits or automatic payments be affected?2026-09-30T12:23:35-05:00

No. There are currently no changes to direct deposits, automatic payments or recurring transfers. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Can I continue using my existing checks?2026-09-30T12:23:35-05:00

Yes. Please continue using your existing checks unless you are notified otherwise. Any future changes related to checks, routing information or account details will be communicated before action is needed.

Will my True Sky account routing number change?2026-09-30T12:23:31-05:00

There are currently no changes to the True Sky routing number. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will my automatic payments continue to work?2026-09-30T12:23:31-05:00

There are currently no changes to automatic payments or recurring transfers. If any updates are required later in the integration process, members will be notified in advance, so they have time to make any necessary changes.

Will my True Sky account balances transfer automatically?2026-09-30T12:23:31-05:00

Yes. When systems are merged in late 2027, all True Sky account balances will transfer to RBFCU systems.

What happens to my True Sky checking and savings accounts?2026-09-30T12:23:31-05:00

There are currently no changes to True Sky checking and savings accounts or how they are accessed. Please continue using your accounts as you do today and follow this page for updates as they become available.

Should I open new accounts with True Sky or RBFCU?2026-09-30T12:23:31-05:00

Continue to open new accounts with True Sky during the transition period. All accounts will be transferred to RBFCU in late 2027.

What is a trusted contact and how do I add one to my investment account?2024-07-15T16:50:31-05:00

A trusted contact is a person you appoint for us to contact if we need to address possible financial exploitation, to confirm the specifics of your current contact information, health status, or the identity of any legal guardian, executor, trustee or other holder of a power of attorney, or as otherwise permitted.

To add or change a trusted contact on an existing account, please email [email protected] or call 833.605.6681.

What information do I need to create an investment account?2024-07-15T16:49:38-05:00

We’ll ask you a series of questions upon opening a Guided Investing account, such as income, net worth, and employment status. You will also complete a brief questionnaire to gather information regarding your financial situation, risk tolerance, and time horizon, which we will use to determine your recommended portfolio.

You will have the option to name a Trusted Contact for your account. If you choose to do so, you will be asked to provide contact information for that individual such as a phone number, email address and/or physical address.

Can I have more than one investment account?2024-07-15T16:49:04-05:00

Yes, you can have multiple investment accounts.

Who can I contact if I have questions about Guided Investing?2024-07-15T16:48:06-05:00

You can contact our Digital Wealth Team at [email protected] or 833.605.6681.

What is the minimum account balance requirement?2024-07-15T16:47:25-05:00

Accounts must maintain at least a $150 balance to remain eligible for a Guided Investing account. Withdrawal requests resulting in a balance of less than $150 will be prompted to either reduce the withdrawal amount or submit a full account balance withdrawal request.

What is the minimum amount for subsequent investments?2024-07-15T16:46:49-05:00

For subsequent investments into Guided Investing accounts, the minimum amount is $25.

Are my accounts insured?2024-07-15T16:46:12-05:00

Your account is an investment account and is not a credit union account. Any insurance you have on your True Sky Federal Credit Union account (e.g., NCUA) does not apply to your investment accounts. Your investment account is offered by Copper Financial. The Securities Investor Protection Corporation (“SIPC”) does offer insurance on investment accounts, but only in the event the financial firm fails. SIPC coverage does not apply to market losses in your investment account. Click here for more information on SIPC coverage.

How do I know if Guided Investing is right for me?2024-07-15T16:45:34-05:00

If simplicity and cost are your primary drivers in choosing how to invest, Guided Investing may be a great choice for you. Conversely, if you are interested in a high level of personalized service and direct management of your investments, a traditional wealth advisor might be better suited to your needs.

What should I expect in terms of returns for my investments2024-07-15T16:44:26-05:00

Your account has the potential to gain or lose value on a daily basis. Returns depend on market fluctuations and are not guaranteed. All investing involves risk, including possible loss of money you invest in your account.

How will my account be invested?2024-07-15T16:42:37-05:00

Your account will be invested in a portfolio of professionally managed exchange traded funds (“ETFs”) based on the information you share with us about your time horizon, risk tolerance, and financial goals.

Who can I contact if I have questions about Guided Investing?2024-07-12T11:51:23-05:00

You can contact our Digital Wealth Team at [email protected] or 833.605.6681.

What are the fees/costs associated with Guided Investing? (e.g., management fees)2024-07-15T16:43:36-05:00

There is a .25% annual management fee for assets under management. For example, if you have an account balance of $10,000, your management fee would be roughly $25 per year. For IRA accounts, there is an annual $20 retirement account maintenance fee. Additionally, there is a $95 retirement account termination fee should you decide to close your IRA account.

Please also see our Brokerage Fee Schedule for information on additional account servicing and maintenance fees that will also apply to your account. The ETFs in your account are also subject to expenses charged by the manager of the ETFs.

See the Guided Investing Wrap Fee Program Fee Brochure for a full discussion of all associated fees and expenses.

What is the initial minimum investment required to open a Guided Investing account?2024-07-12T11:46:00-05:00

The minimum required investment to open a Guided Investing account is $200.

How do I fund the account?2024-07-12T11:45:21-05:00

After opening your Guided Investing account, you can transfer funds to any desired account using our integration with Plaid.

What kinds of investment accounts are available?2024-07-12T11:44:42-05:00

You can open Taxable Individual and/or Joint accounts; the investments in these types of accounts can be used for any reason. Tax-advantaged Traditional and Roth IRAs are also available if you are saving for retirement.

Who is eligible to invest through Guided Investing?2024-07-12T11:44:01-05:00

To open a Guided Investing account, you must be at least 18 years of age and a U.S. Citizen. You must also be an existing credit union member.

What is Guided Investing and how does it work?2024-07-12T11:43:12-05:00

Guided Investing is an automated digital tool that professionally manages your investments based on your risk tolerance and time horizon to help you reach your financial goals. Based on your answers to a short list of questions, your money is invested in a diversified portfolio aligned with your investment goals. Your portfolio is monitored on an ongoing basis and rebalanced as needed to stay on track with your goal.

What is the purpose of the Arbitration Agreement?2023-04-25T08:46:42-05:00

An arbitration agreement makes the dispute process much faster and more affordable for our members. It also allows for a neutral third party to be present, the arbitrator, and they will assist in deciding the case. This is an optional agreement, and you may opt out by signing the form provided and returning it to your local branch.

What official documents will I receive?2023-04-04T14:09:38-05:00
Where are the other True Sky branches located?2025-05-22T17:39:17-05:00

Western Branch – 10201 South Western Ave, Oklahoma City, OK 73139

Capitol Hill Branch – 3805 South Western Ave, Oklahoma City, OK 73109

2nd Street Branch – 1127 2nd St., Edmond, OK 73034

Mustang Branch – 361 E. HWY 152, Mustang, OK 73064

Norman- Tecumseh Branch – 3301 West Tecumseh Rd., Norman, OK 73072

Northeast Branch – 5029 N. Martin Luther King Ave, Oklahoma City, OK 73111

Northwest Branch – 8230 Northwest Expressway, Oklahoma City, OK 73162

Yukon Branch – 1301 S. Ranchwood Blvd., Yukon, OK 73099

Midwest City Branch – 7607 E Reno Ave, Midwest City, OK 73110

Chandler Branch – 1906 East 1st (hwy 66), Chandler, OK, 74834

Davenport Branch – 900 Broadway, Davenport, OK, 74026

If I have a mortgage with COFCU, how do I set up an automatic payment?2023-04-04T08:41:27-05:00

You will receive additional communication providing instructions on how to set up your mortgage ACH payments from TruHome Solutions. TruHome Solutions is a mortgage servicing company that assists True Sky with our home loans.

If I have a loan with COFCU, will I receive a new loan number?2023-04-04T08:40:18-05:00

Yes, you will have a new loan number that appears on your next billing statement.

Will I have access to my prior account history?2023-04-04T08:39:27-05:00

You can access prior COFCU account information until May 16th through COFCU’s online banking. We highly suggest printing/downloading all e-statements from your COFCU online banking application before May 16th. Starting May 16th, your account history will be accessible through True Sky’s online banking.

Will third-party applications (Cash App, PayPal, Venmo, etc.) linked to my COFCU account still be valid?2023-04-04T08:38:27-05:00

No, you will need to enter your True Sky account information.

Currently, I have a direct deposit and/or auto debit set up on my account. Will I need to set it up again?2023-04-04T08:37:36-05:00

Yes, you will need to set up your direct deposit with your new True Sky account and routing number. True Sky’s routing number is 303085227. We highly encourage you to start this process as soon as possible to avoid any disruptions. For assistance with this process, please get in touch with your local branch staff or give us a call at 1-800-448-1990.

Will I be getting a new debit card?2023-04-04T08:36:28-05:00

Yes, you will be getting a new debit card in the mail. If you do not receive one by May 16th, please call us at 1-800-448-1990.

When will I access my True Sky online or mobile banking?2023-04-04T08:34:57-05:00

You will be able to access your True Sky account information through online and mobile banking starting on May 16th. You can register by visiting trueskycu.org/ and selecting “Login,” “Register,” and following the screen prompts. You will need your new True Sky account number to complete your registration. For additional guidance on navigating online or mobile banking, please view our video tutorials trueskycu.org/member-tutorials/ .

I have checks for my COFCU account. Will I receive new checks?2023-04-25T08:45:48-05:00

Yes, you will be receiving new checks. Please remember that as of May 9, 2023, if you have not already moved your funds to your True Sky account, you should stop writing checks from your Central Oklahoma Federal Credit Union checking account; this is to allow time for your outstanding checks to clear. Please make plans and accommodations accordingly. If you are still waiting to receive your True Sky checks by May 16th, please call us at 1-800-448-1990!

Will I still be able to call my local branch?2023-04-04T08:32:13-05:00

Yes, you can continue contacting your local and other branches. They will continue to help you with all your needs.

How does this merger benefit me?2023-04-04T08:31:22-05:00

You will have access to additional products and services, such as credit cards, a contact center with online chat, and a 30-year mortgage. You will have access to more branches and staff.

How do I make online loan payments2022-08-12T10:00:34-05:00

To make an online loan payment you can log into online banking or our Pay Now site.

*Please note there is a $10 fee to pay by credit card.

How do I locate my user name if I don’t remember it?2022-08-12T10:01:04-05:00

From the login screen click the “Forgot Username” and you’ll be taken to our member validation form. Simply fill out the requested information and submit the form to request your username be emailed to you.

What if I can’t remember my password?2022-08-12T09:50:38-05:00

You can reset your online banking password simply by visiting our online banking sign-in page and selecting the “Forgot Password” option.

What is the grace period on my loan payment?2022-08-12T10:01:40-05:00

You have a 10 day grace period on all consumer loans and a 15 day grace period on all mortgage loans before a late fee is assessed.

How can I submit my insurance information?2022-08-12T10:04:47-05:00

To submit your insurance information, enter your reference number and PIN shown in the notice you received  Online at the My Loan Insurance portal for True Sky. Or, call 877-633-1614 for our insurance tracking center.

Does True Sky Federal Credit Union provide a Notary service?2023-01-24T08:41:06-06:00

Yes, we have a notary at all of our locations free of charge to our members.

How can I make my loan payment?2022-10-13T08:08:53-05:00

You can pay online with a debit or credit card for a $10.00 fee.  (we cannot accept Visa Credit card payments). This online payment service excludes mortgage payments. Or, you can call 405.682.1990 x3902 to pay over the phone.

How can I obtain my account number?2022-08-12T10:06:34-05:00

Log in to online banking and go to Statements/Alerts. On the left-hand side, you will click E-Statements and the download button. Your account number will be in the upper right-hand corner in the blue box.

Why am I not receiving emails from True Sky Federal Credit Union2023-01-24T08:43:14-06:00

On rare occasions, some members may have email addresses that do not recognize certain incoming email addresses. To ensure proper delivery, be sure to add the following True Sky Federal Credit Union email addresses to your email’s contact list:

How do I transfer money?2022-08-12T10:08:34-05:00

There are several ways you can move money in or out of your account. Enroll in online banking for access to external transfers, bill pay, mobile deposit, and more. Plus, you can wire funds, or visit a branch, ATM/ITM, or shared service center to access your accounts directly.

What if I move to another state?2023-01-24T08:43:56-06:00

Once a member, always a member. We have members who live around the world and still bank with us. With mobile access, you can do your banking anywhere you have internet access.

We also have shared service centers located across the nation and are ready to transact your True Sky Federal Credit Union business.

What if my credit is bad?2023-04-27T09:04:48-05:00

True Sky Federal Credit Union regularly helps people improve their credit. The team at True Sky Federal Credit Union will work with you to obtain your credit report and help you to be educated on credit score improvements as well as check for errors on your credit report. Contact us for more details.

What makes True Sky Federal Credit Union different from a bank?2023-01-24T08:44:55-06:00

True Sky Federal Credit Union is created for the benefit of its members. All members are owners. A commercial bank is a for-profit institution frequently traded on the stock market. They are owned by shareholders and look to turn a profit for those shareholders.

When is True Sky Federal Credit Union Open?2023-01-24T08:40:40-06:00

Most Branches

Weekday Lobby Hours – 8:30 a.m. to 5 p.m. (5:30 p.m. on Friday)

Weekday Drive-Thru Hours – 7:30 a.m. to 6 p.m.

Saturday Lobby Hours – 9 a.m. to 12 p.m.

Saturday Drive-Thru Hours – 8 a.m. – 12 p.m.

FAA Campus

Weekday Lobby/Drive-Thru Hours – 7:30 a.m. to 4:30 p.m

Closed Saturday

Can I become a member?2025-03-17T14:31:16-05:00

To join, you’re eligible for membership if you’re an:

  • Employee of one of True Sky Federal Credit Union’s business partners
  • Immediate family member of a True Sky Federal Credit Union member
  • Or join American Consumer Council (ACC)

Are you not sure how you can qualify for membership? We can help – Call 405-682-1990!

What is True Sky Federal Credit Union’s Routing Number?2023-01-24T08:39:50-06:00

303085227

What is Zelle?2022-08-12T10:14:44-05:00

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.

How does Zelle work?2023-01-24T08:49:25-06:00

When you enroll with Zelle through your online banking account, or mobile banking app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with True Sky Federal Credit Union).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its “directory” and notifies True Sky Federal Credit Union of the incoming payment. True Sky Federal Credit Union then directs the payment into your account, all while keeping your sensitive account details private.

Who can I send money to with Zelle?2023-01-24T08:47:56-06:00

You can send money to friends, family and others you trust2.

Since money is sent directly from your True Sky Federal Credit Union account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

How do I use Zelle?2022-08-12T10:17:05-05:00

You can send, request, or receive money with Zelle.

  1. To get started, log into online banking or your mobile app, navigate to Bill Pay and select “Send Money with Zelle®“. Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving with Zelle.
  2. To send money using Zelle, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
  3. To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3.
  4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.
Someone sent me money with Zelle, how do I receive it?2023-01-24T08:50:49-06:00

If you have already enrolled with Zelle, you do not need to take any further action. The money will be sent directly into your True Sky Federal Credit Union account, and will be available typically within minutes1.

If you have not yet enrolled with Zelle, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select True Sky Federal Credit Union.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle using that email address or U.S. mobile number where you received the notification to ensure you receive your money.
What types of payments can I make with Zelle?2023-01-24T08:51:55-06:00

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2.

Since money is sent directly from your True Sky Federal Credit Union account to another person’s bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.

Neither True Sky Federal Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

How do I get started with Zelle?2022-08-12T10:05:22-05:00

It’s easy – Zelle is already available within online Bill Pay and your mobile banking app! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

What if I want to send money to someone whose financial institution doesn’t offer Zelle?2022-08-12T10:06:19-05:00

Zelle is available in thousands of banking apps; see the full list of Zelle participating banks and credit unions.

If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

What if I get an error message when I try to enroll an email address or U.S. mobile number?2023-01-24T08:53:11-06:00

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to True Sky Federal Credit Union so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your True Sky account so you can start sending and receiving money with Zelle through True Sky Federal Credit Union’s mobile banking app and online banking. Please call True Sky Federal Credit Union’s member services for help.

I’m unsure about using Zelle to pay someone I don’t know. What should I do?2023-01-24T08:55:18-06:00

If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither True Sky Federal Credit Union nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Is my information secure?2022-08-12T10:09:27-05:00

Keeping your money and information safe is a top priority. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

Will the person I sent money to be notified?2022-08-12T10:10:09-05:00

Yes! They will receive a notification via email or text message.

How long does it take to receive money with Zelle?2023-01-24T08:56:25-06:00

Money sent with Zelle is typically available to an enrolled recipient within minutes1.

If you send money to someone who isn’t enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will be available in your recipient’s account, typically within minutes1.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please contact True Sky Federal Credit Union’s member services.

Can I cancel a payment?2023-01-24T08:57:40-06:00

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”

If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please contact True Sky Federal Credit Union’s member services.

Scheduled and recurring payments are features provided by True Sky Federal Credit Union in our online banking and mobile banking app and are not features of Zelle. Please contact member services with any questions concerning scheduling or recurring payments.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

Can I use Zelle internationally?2022-08-12T10:12:26-05:00

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

Credit Union Frequently Asked Questions

Answered by True Sky Federal Credit Union

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