No, you do not have to automatically activate OLB or ARU for new memberships.

Actually, you can default all new memberships to deactivate online banking and/or audio response access until the member specifically requests it.  This is highly recommended as it helps to protect members who join the credit union but never get around to using your online tools right away.  These accounts may be your most vulnerable since the member hasn't set up a private password or security questions.  By deactivating them as a default, you can give them a little extra protection from bad guys who might steal the member's identity and gain access to their accounts online without the member's knowledge.

If you'd like to do this, just fill out the It's Me 247 Configuration Change Request form using the link below. 
(Self-processors can change their own settings via OPER Tool #5356 Online Banking Configuration and OPER Tool #5511 Audio Response Configuration.)