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2 Factor Authentication now required for Online Banking

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As part of our commitment to enhancing account security, we have implemented a mandatory policy requiring all Members registered for Online Banking to enable 2 Factor Authentication (2FA) by Thursday 31 August, 2023.

2FA significantly enhances the security of your account by adding an additional layer of protection. It helps prevent unauthorised access even if someone gets hold of your password.


Set up 2FA in 4 easy steps

  1. Log in to online banking
  2. Select Member services in the blue menu at top of page
  3. Select Set up security options in the drop down menu
  4. Select SMS one time password to activate

How does 2FA work once I have registered?

Once registered for 2FA Log in to Online Banking using your Client Login and Access Code.

  1. A SMS one time password will be sent to your nominated mobile phone
  2. Your Online Banking message will read an SMS one time password has been sent to your mobile number
  3. In the Enter One Time Password text box, enter the 6 digit password that has been sent to your mobile phone, then select OK

Note: The mobile number used for 2FA is the one linked to your account.

Do I need to setup 2FA for the smartPay App?

You need to set up 2FA to keep using Online Banking and the smartPay App. Set up is only required in Online Banking, no actions are required within the app.


Additional benefits of 2FA

In addition to the increased layer of security, you need 2FA to enable:

  • OSKO payments
  • External Funds Transfer limit greater than $1,000
  • BPAY Payments limit greater than $3,000
  • Allows you to change your pin within the smartPay App

If you have any questions or need assistance please call our Contact Centre on (02) 6763 5111 or visit a Branch.

Note: Once you have setup your 2 Factor Authentication you should never give out your SMS one time password, Northern Inland Credit Union will never ask you for it over the phone or online.