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Business Banking

Northern Inland's Business Banking services help you to keep your finances under control and run your business smoothly.

  How to Apply

1. You need to be connected to the Internet and have a NICU Member number.

2. Acknowledge that you have read the following Product Fact Sheets.

3. Fill in the online application and submit.

  • View Transactions and accounts
  • Transfer funds
  • Access Internet BPAY®
  • Create and print statements
  • Transfer funds to accounts at Northern Inland Credit Union or any financial institution
  • Schedule future bill payments
  • Multiple signature security available for 2 or more to sign accounts
  • Create, view and edit batches from Online Banking or your own business accounting software, e.g; MYOB (see FAQ's section for further information if using MYOB)
  • Check interest earned on current or previous financial year
  • Redraw advance loan repayments
  • Contact us securely online


Northern Inland Credit Union's Online Banking is one of the most secure banking technology 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) or BPAY payments. If you would like to set internal transfer limits for each of your ‘S type’ accounts 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

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 need to transfer over $1,000 to accounts held with other financial institutions ("external transfers").

Online Banking users can choose from one of the following three 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:

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' withing your Online Banking session, visit a branch or phone our Contact Centre staff to arrange a token for you.


 For further information, please also refer to the Business Banking Manual.

  Do I need Business Banking?
Business Banking is provided for Businesses who require functionality  to maintain access to their accounts for themselves, this involves creating Internet Signing Authorities and Data Entry Operators. They can maintain passwords, account access and daily limits per signing authority.
  What can I do as a Business Banking Administrator (BBA)?
BBAs can give access to anyone who has a signing authority on a Business Account. They can also create Data Entry operators. For full details on what functions a BBA can perform please review the Business Banking Manual
  What can I do as an Internet Signing Authority (ISA)?
An Internet Signing Authority can create and process payments. For full details on functions an Internet Signing Authority can perform please refer to the Business Banking Manual.
  What Can I do as a Data Entry Operator?
Data Entry Operators can create payments and upload batches. For full details on functions a Data Entry Operator can perform please refer to the Business Banking Manual.
  What extra information do I require if I use MYOB for payrolls?
To uplift an ABA file to Online Banking you will require a 3 digit Bank Code (which is CRU), and a Direct Entry User Code (which is 048708).


Apply for Online Business Banking


If you have any questions please contact us

Find your nearest branch
Call us on 1300 65 65 81
Email us