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2017/18 Federal Budget summary

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What is the Federal Budget?

Presented annually, on the second Tuesday of May, the Federal Budget explains to the Australian public how the government intends to manage the nation’s finances. It outlines how they plan to tax and spend not only during the next financial year but into the future as well. Just like a personal or household budget, the Federal Budget forecasts revenue and expenses to determine whether there is a surplus or deficit. It’s also a political statement setting out the Government’s intentions, priorities and new policy initiatives.

Read more: 2017/18 Federal Budget summary


Interest Rate Changes effective 1 June 17

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Northern Inland Credit Union regularly reviews lending and deposit interest rates to ensure we are competitive and balance the needs of all Members for a sustainable long-term benefit.

Read more: Interest Rate Changes effective 1 June 17


Introducing 'Osko'

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Later this year, Northern Inland Members will be able to make quick and easy real-time payments thanks to Australia's New Payments Platform.

You won't need to worry about your BSB and Account number. With your unique PayID, you will find yourself saying to friends, family and businesses - 'I'll Osko it to you'.

'Osko' is the first service to provide these instant payments and is owned by the BPay Group.

See Sydney Morning Herald article from 15 May 2017 which introduces Osko and PayID to Australian's for the first time.

'Introducing Osko' article

Northern Inland will be 'Osko ready'. Members will be able to send and receive real-time payments with their Northern Inland accounts via our Online, Mobile Banking services and our smartPAY app from the national launch date later this year.

To be prepared for Osko, you must be registered for Online Banking. Register now.


How the Federal Budget 2017/18 may affect you

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On Tuesday 9 May, the government handed down the Federal Budget.
Bridges Financial Services have released a budget summary to help explain how the Budget may affect you. If you wish to discuss your personal financial situation with them we can make you an appointment with their local financial planners.

As a Northern Inland Member, your initial consultation is complimentary and obligation free. Contact us on 1300 65 65 81 to make you an appointment.


This information was provided courtesy of Bridges Financial Services Pty Ltd (Bridges). ABN 60 003 474 977. ASX Participant. AFSL No 240837. This is general advice only and does not take into account your financial circumstances, needs and objectives. Before making any decision based on this information, you should assess your own circumstances or seek advice from a financial planner and seek tax advice from a registered tax agent. Information is current at the date of issue and may change. Bridges is part of the IOOF group.


Successful Upgrade to Banking Services 2.5.17

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At Northern Inland Credit Union we are always looking at smarter ways to help you manage your money. This includes regular updates to our systems and technology to improve online, self-service and in-branch services to our Members.
As a result, we would like to advise that our Banking Services were successfully upgraded on 2 May 2017. We apologise to Members who were inconvenienced by the upgrade which took longer than anticipated.
The upgrade includes enhancements to existing functionality and new features which will make banking with Northern Inland easier.

What's changing?

All of the existing features and functions in Online Banking remain, however you will find some new features and some important fixes which will make the site much simpler to navigate.


  • Account Summary – page has been enhanced to include a new pop-up display which includes current and available balance and uncleared funds.
  • Pending Transactions - Online Banking and Mobile Banking will now display pending transactions on the homepage which shows the difference between your available and current balances. These are very important to keep track of your outstanding debits.
  • Mobile Banking - now has the ability to view and manage your personal payees and Future Payments.
  • Loan redraw functionality – You can now process loan redraws from the Payments menu under the Transfer Money page. You can choose the “loan account” from which you want the funds to be transferred.
  • International Transfers- You will soon have the convenience of sending money securely to over 130 countries through Online Banking 24/7 partnering with Western Union Business Solutions. (Coming soon).

Action Items

There are a few steps that Members may have to follow to view the updates.

Online/Mobile Banking

If you experience issues viewing your accounts online or via mobile banking, you will need to clear your History or Cache on your device. Some mobile devices may call this to 'Clear Personal Data'.

Once you have cleared any short cuts on your PC or mobile device, you will need to re-enter the url and re-save the short cut.

Steps to clear Cache on IE

  1. Open Internet Explorer
  2. Click on the “Cog” symbol.
  3. Click Internet Options
  4. Click Delete for Browsing History
  5. Tick all boxes except 'Passwords'
  6. Click Delete
  7. Log into Online Banking as usual
  8. Press the F5 key on your keyboard to refresh the session
Steps to clear Cache on for Safari on IOS devices
  1. Open Settings App
  2. Scroll down to tap on Safari
  3. Scroll down and tap on 'Clear History and Website Data'
  4. Tap Clear History and Data
  5. Log in to Mobile Banking as normal and an extended level of Account Summary including your Current and Available balances should be visible
Mobile Banking
Some Members may not be able to view the available balance on the “Accounts Summary” screen which appears just after logging into Mobile Banking.
However the balances are visible if you click on any of the accounts.
Please ensure you clear your Cache by following the above steps to rectify the issue.
If your are experiencing this issue within your smartPAY App, please uninstall and re-install the App from the respective Apple or Google store.
Online Statements
Some members using Internet Explorer (IE) as their browser may have issues with retrieving their online statements.
Please be advised to use Chrome to download your statements until the issue is resolved with IE .

If you have any question on the new Online Banking Service, please contact us on 1300 65 65 81
9.00am-5.00pm Monday, Wednesday, Thursday and Friday, 9.30am-5pm Tuesday and we will be happy to assist.


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