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  How to Apply
  1. You need to have internet access and a Northern Inland Member number
  2. Fill in the online application and submit
  What do I do if I forget my password or login?

To reset your login information please either complete this quick form, call our Contact on 02 6763 5111 during business hours or visit one of our branches. We will need to verify your identity before assisting you.

  What are my 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 02 6763 5111.

External Transfers:

External transfer limits (from Northern Inland accounts to accounts of other financial institutions) apply to each of our 'S Type' accounts. To set transfer limits for each of your accounts see our branch staff or contact us on 02 6763 5111.

  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 per day in BPAY payments. From early 2018, Members who wish to be able to use OSKO, the faster payment transfer service, will also require to have a token.

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 links below 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:

A Security Token is a small device which fits onto your key ring. It 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.

 

Paying Bills

  What is BPAY® and how do I set it up?

BPAY is a national electronic bill payment service. 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 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. Read the BPAY product factsheet for further information.

  What is 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 1-2 business days. If the funds have not reached their destination after 2 business days please call our Contact Centre on 02 6763 5111

 

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. Many of our Members use 'Minimum Repayment' or 'Balance Due'.

  What is the maximum I can transfer between my accounts?

There is no maximum transfer limit between your own Northern Inland accounts, within the one Membership.

 

Between other Northern Inland Memberships:

  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?

There is no maximum transfer limit between your Northern Inland accounts, to which you are a signatory.

 

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 generally receives the funds within 1-2 business days. If the funds have not reached their destination after 2 business days please contact us or call 02 6763 5111

  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?

The 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 02 6763 5111.

 

Opening A New Account

  What type of accounts can I open via Online Banking?

There are four types of accounts that can be opened via Online Banking - Bonus Saver Account [S12], Christmas Club Account [S4], Internet Saver Account [S99] and Project Saver Account [S2].

  Set up SMS and Email Alerts

1. Once you have registered for Online Banking, go to the Inbox menu, select ‘Alerts' and follow the prompts to select which alerts you would like to receive. You can also maintain your Alerts at this site. 2. Received SMS Alerts will be no more than 160 characters in length. 3. To change your mobile phone and email details log on to Online Banking, go to the Member Services Menu and select 'Update Contact Details'. 4. You can receive 8 free SMS Alerts per month. Additional alerts are at a cost; read the Alerts page for further information

  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.