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Online Banking

Online Banking is one of the most cost-effective and convenient banking options available. At Northern Inland we aim to make your Online Banking experience as easy as possible.

Our clean and simple design combined with new functionality and additional security measures means you can enjoy a seamless banking experience from the comfort of your home, or while on the move with your smart phone.

With some of the most advanced and secure banking technology available to you 24 hours a day, 7 days a week, you can do your banking where and when it suits you.

  • Use Online Banking, secure in the confidence of the stringent security provisions we have adopted
  • View or print current account balances and transactions history
  • Download formal online statements - request to receive them when registering for online banking or here if you already have online banking.
  • Transfer money between your accounts
  • Pay bills to over 10,000 registered BPAY® billers
  • Make payments to another individual or business
  • View interest earned or charged
  • Change your Online Banking password online
  • Update your Contact Details
  • Access your accounts from anywhere, anytime

 

  Terms and Conditions

Before using Online Banking please read the Terms and Conditions for Online Banking

You can obtain a hard copy of this fact sheet by:

  • Collecting one at any branch
  • Requesting one from our Contact Centre on 1300 65 65 81 (Mon, Wed, Thurs, Fri: 9am to 5pm & Tues: 9:30am – 5pm)
  How to Apply

1. You need have internet access and have a Northern Inland Member number.

2. You acknowledge that you have read the following Product Fact Sheets:

3. Fill in the online application and submit. 

 

  Features and benefits

Features of Online Banking:

  • Open new non-primary Savings Accounts on existing Memberships
  • Open new iSaver Account
  • Online card activation
  • Security features include a new Mobile Phone App, SMS One-Time Passwords or Security Token device*
  • Online Security Token device activation
  • Temporarily disable mobile banking access via Online Banking (in case of lost phone)
  • Manage your accounts and check your transaction history
  • Make payments and transfers or BPAY®
  • Transfer funds to bank accounts within Australia
  • Schedule or amend future or recurring payments
  • Secure Email
  • Receive SMS and Email Alerts
  •  Personalise your Online Banking profile

Benefits of Online Banking:

  • 24 hour, 7 day banking convenience
  • Save time and minimise banking fees
  • Easy bill payments with BPAY®
  • Transfer funds to anyone within Australia
  • Stay in control of your accounts with SMS and Email Alerts including confirmation messages.
  • Tell us of your overseas travel plans via Secure Email to help protect your accounts while you travel
  • Bank how you want – PC, tablet or mobile – on the go or at home

*A second factor authentication is required for Members who regularly need to transfer over $1,000 to external accounts or pay bills using BPAY. Our friendly staff will help you arrange your preferred method.
If you haven't registered for Online Banking yet, 

Security

You will have peace of mind knowing Northern Inland's Online Banking has one of the most advanced and secure banking systems available.

  Daily Transfer Limits

Internal transfers and BPAY payments:

No limits are set for internal transfers (transfers between ‘S type’ accounts and Memberships within Northern Inland). BPAY limits are set to $3000 per day per Membership. If you would like to set internal transfer limits for each of your ‘S type’ accounts, or receive a higher daily BPAY limit, see our branch staff or contact us on 1300 65 65 81.

External Transfers:

External transfer limits (from Northern Inland accounts to accounts of other financial institutions) apply to each of your ‘S type’ accounts. To set transfer limits for each of your accounts see our branch staff or contact us on 1300 65 65 81.

  Security Tokens  

Online Banking Security

Northern Inland offers additional security features to ensure your online banking experience is as safe as possible. A second factor authentication is required for Members who regularly need to transfer over $1,000 to accounts held with other financial institutions ("external transfers"), or pay more than $3000/day in BPAY payments.

Online Banking users can choose from one of the following 3 options: 

Mobile Phone Application:

VeriSign Identity Protection (VIP) Access is an easy to install free application that means you don't have to carry a seperate device. The application transforms smart phones into a 'second factor' credential that displays a one-time password as required upon login.

See the App store for your smart phone and search 'VIP Access' to download. Alternatively, from your Smart Phone use the below links to take you directly to the applicable App store. Once you have downloaded the app, you need to contact us with the credential number so we can activate it for you on your Membership.

SMS One-Time Passwords:

SMS one-time passwords are single use security tokens sent to your mobile phone for use when logging into your account online. Activate the one-time password option via 'Member Services' within your Online Banking session.

Security Token Device:

Security Tokens are a small device which fit onto your key ring and generates a single-use security number as required upon login. Your first Token is supplied free and is subject to a monthly rental fee, which is rebated under the Member Loyalty Program. Request a Token via 'Member Services' within your Online Banking session, visit a branch or phone Contact Centre staff to arrange a token for you.

 

Online Banking FAQs

  Getting started

How do I register for Online Banking?

  • To register for Online Banking visit one of our four Branches or

Can I trial Online Banking before I register?

  • We do not provide a ‘test’ account for trial, however we have created demonstration videos to provide you with an overview of all the Online Banking functions

What do I do if I forget my password or login?

  • To reset your login information please call our Contact Centre on 1300 65 65 81 during business hours or visit one of our Branches
  Paying bills

What is BPAY® and how do I set it up?

  • BPAY® is a national electronic bill payment service, jointly developed by Australia's leading financial institutions. If your bill displays the BPAY® logo, you can use BPAY® to pay it through Northern Inland Credit Union's Online or Phone Banking system. There is no set-up required. Once you are registered for Online Banking, BPAY® is ready to use. Simply check that the BPAY® logo is displayed on your bill, note the Biller Code, Customer Reference Number and amount you need to pay, and then follow the step-by-step instructions provided. Once the Biller has been set up you can perform the payment or schedule a recurring payment. The Biller details can be then stored in your 'BPAY Address Book' for future payments

What are the Customer Reference Number and Payer Name?

  • The Customer Reference Number is a unique number that identifies you and the bill you are paying to the biller. The Payer Name is the company that you are paying the bill to.

Where can I find Biller Code and Customer Reference Number (CRN)?

  • The Biller Code and the Customer Reference Number (CRN) can be found in the payment section on the bill, located next to the BPAY logo.

Which bills can I pay via BPAY?

  • All bills that display the distinctive BPAY logo, however if you are unsure please visit the BPAY website for a complete list of Billers

Are there minimum and maximum limits that apply?

  • Each biller sets individual minimum and maximum transaction limits, these maybe higher or lower limits than we impose. If you are unsure of a biller limit, please contact the Biller to query the limit.

Can I schedule payments for a later or recurring date?

  • BPAY payments can be scheduled. You can also set up recurring payments daily, weekly, fortnightly or monthly.

How long does it take for the money to reach the biller?

  • The biller will generally receive the funds within 24-48 business hours, if the funds have not reached their destination by the conclusion of 48 business hours please call our Contact Centre on 1300 65 65 81 or

  Transferring Money

Between my Northern Inland accounts:

How long does it take for money to reach my account?

  • In most cases, transfers between your Northern Inland accounts are instant.

Can I schedule transfers to process at a later or a recurring day?

  • Yes. Payments can be scheduled at a later or recurring day. You can also set up recurring payments daily, weekly, fortnightly or monthly.

Can I schedule a recurring payment to my credit card?

  • Yes. You can set up a recurring payment for a specific amount to your credit card

What is the maximum I can transfer between my accounts?

  • Currently there isn’t a maximum transfer limit between your own Northern Inland accounts

Between other Northern Inland Memberships:

How long does it take for money to reach another Northern Inland Membership?

  • In most cases, transfers between Northern Inland Membership are instant.

Can I schedule transfers to process at a later or a recurring day?

  • Yes. Payments can be scheduled at a later or recurring day. You can also set up recurring payments daily, weekly, fortnightly or monthly.

What is the maximum I can transfer between other Northern Inland Memberships?

  • Currently there isn’t a maximum transfer limit between Northern Inland Memberships

Between external accounts:

Can I transfer to somebody else’s account or to my own account at another financial institution?

  • Yes. You’ll need details of the account including BSB Number, Account Number and Account Name. You may choose to save these account details for future use in your Online Banking  'Account Address Book'.

How long does it take for the money to reach the account?

  • The recipient will generally receive the funds within 24-48 business hours. If the funds have not reached their destination by the conclusion of 48 business hours please contact us or call 1300 65 65 81.

Can I schedule transfers to process at a later or a recurring day?

  • Yes. Payments can be scheduled at a later or recurring day. You can also set up recurring payments daily, weekly, fortnightly or monthly.

What is the maximum amount I can transfer externally?

  • You maximum transfer amount is set by you and you can select daily external transfer limits that suit your needs. Different external limits can also be set on each 'S' type within your Membership. Limits can be increased or decreased at any time by speaking to a member of our friendly team in branch or via our Contact Centre on 1300 65 65 81.
  Opening a new account
What type of accounts can I open via Online Banking?
  • At the moment there are four types of accounts that can be opened via Online Banking - Bonus Saver Account [S12], Christmas Club Account [S4], iSaver Account [S99], Project Saver Account [S2]
  Online Banking Video Demonstrations

To help you gain an understanding of how to use Online Banking we have created demonstration videos for you on specific topics.

 

Questions?

If you have any questions, please contact us Enquire