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FDIC-Insured – Backed by the full faith and credit of the U.S. Government   |   Routing Number: 111102208

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Online Banking

Frequently Asked Questions

What makes Bank of Oak Ridge a community bank?

As a community bank, we’re locally owned and operated — meaning decisions are made right here by people who live and work in your community. Our focus is on building relationships and supporting local families, farms, and businesses, not distant shareholders.

You can open an account by visiting any of our branch locations. You’ll need a valid government-issued ID, physical address, date of birth, social security number, and an opening deposit.

If you’re moving your accounts to our bank, request a Switch Kit from our staff to help make the transition simple and hassle-free. Our Switch Kit will guide you through the steps you will need to take in order to move your accounts.

We offer a range of accounts, including:

  • Checking Accounts – for everyday spending and bill payments
    • Special Checking Accounts – Simple Checking, Veteran Checking, and minor accounts.
  • Savings & Money Market Accounts – to help you grow your money with interest
  • Certificates of Deposit (CDs) – for fixed-term savings at competitive rates
  • Business Accounts – tailored to businesses of all sizes

Visit our Online Banking page and select “Enroll.” You can also download our Mobile Banking App (available on the Apple App Store and Google Play). With online and mobile banking, you can check balances, transfer funds, pay bills, and even deposit checks — anytime, anywhere.

Click “Forgot Password?” on the login page. Follow the prompts to verify your identity and reset your password securely.

If your card is lost or stolen, or you notice suspicious activity, please contact us immediately at 1-800-754-4128

Branch hours vary by location. The Monroe and West Monroe branches are open Monday–Friday, 8:30 AM–5:30 PM. The Oak Ridge Branch is open Monday-Thursday, 9:00 AM-2:00 PM, and on Fridays from 9:00 AM-3:00 PM. ATMs are available 24/7 at all locations. You can find your nearest branch or ATM using our Locations page.

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You can apply for a loan by visiting a local branch for personalized assistance. You’ll need a valid government-issued ID, physical address, date of birth, Social Security number, and proof of income.

Yes. All deposit accounts are insured up to $250,000 per depositor by the FDIC (Federal Deposit Insurance Corporation).

Yes. All deposit accounts are insured up to $250,000 per depositor by the FDIC (Federal Deposit Insurance Corporation).

FRAUD FAQS

How can I protect myself from fraud?

The best defense against fraud is awareness. Always:

  • Keep your account information and passwords private.
  • Avoid clicking on suspicious links or attachments in emails or texts.
  • Use strong, unique passwords and update them regularly.
  • Monitor your accounts frequently through Online or Mobile Banking.
  • Enable account alerts to track unusual activity.
  • Review your recent account activity for any unauthorized transactions. 

If something doesn’t feel right, contact us immediately — we’re here to help.

Bank of Oak Ridge will never ask for your full account number, PIN, or online banking password by phone, text, or email.
If you receive a suspicious message claiming to be from us:

  • Do not click on any links or give out information.
  • Contact the bank directly using the phone number listed on our website or your bank statement.

We’re happy to confirm whether the communication is genuine.

If you suspect fraud, act quickly:

  1. Call us immediately at (318) 381-8320.
  2. If your debit card was involved, we can freeze or cancel it right away.
  3. Review your recent account activity and report any unauthorized transactions.
  4. Consider placing a fraud alert on your credit file with the three major credit bureaus.

The sooner you contact us, the faster we can help protect your accounts.

Some of the most common scams include:

  • Phishing emails or texts pretending to be your bank or a government agency.
  • Fake check or deposit scams asking you to send money back.
  • Romance scams where someone builds trust online and requests money.
  • Phone scams where callers claim to be from “fraud departments” or “tech support.”
  • Social media giveaways that ask for personal banking information.

If it sounds too good to be true, it probably is — double-check before sharing any information or sending money.

Yes. Our systems continuously monitor transactions for unusual activity. If we detect something suspicious, we may temporarily block a transaction and contact you to confirm it.

Identity theft happens when someone uses your personal information to open accounts, apply for loans, or make purchases in your name.
To prevent it:

  • Shred personal documents before discarding them.
  • Keep your Social Security card and financial documents in a secure place.
  • Use caution when sharing personal information online.
  • Regularly review your credit report.
  • Review your recent account activity for any unauthorized transactions.

We use advanced security technology, including encryption, firewalls, and multifactor authentication, to protect your data. Our employees are trained to recognize and prevent fraud, and we never sell or share your personal information with unauthorized parties.

Log in to your Online or Mobile Banking account and review the transaction details. If you don’t recognize it, contact us immediately at (318)381-8320. We’ll investigate and help resolve the issue as quickly as possible.

  • Make it long.
    • Use at least 16 characters. The longer your password, the harder it is to crack.
    • TIP: Try using a short phrase that’s easy to remember.
  • Make it unique.
    • Use a different password for every account.
  • Make it random.
    • Avoid using personal details like names, birthdays, or pet names.
    • Mix up the words and use a random combination of letters, numbers, and symbols.
    • Example: Blue!Maple99Dancer*
  • Turn on MFA (Multi-Factor Authentication)
    • With MFA, if someone guesses your password, they still can’t get in without your second verification step (like a text code or app approval).

Other Password Tips:

  • Don’t share or write it down.
    • Never share your password by email, text, or phone.
  • Stay alert for breaches.
    • If you hear that a company or service has been hacked, change your password immediately. 
  • Change Default Passwords
    • If a device comes with a default password (like admin  or 1234), change it right away.
  • Bank of Oak Ridge will never ask for your password, PIN, or account number. If you 

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