Online Banking

Your banking on-the-go

We now have Online Banking available to Members, you can now check your account balances, transfer funds, apply for a loan all from the comfort of your home. However, in order to avail of this service you need to have PIN to login.

Once you register, you will receive a call from a member of staff on the next working day to confirm your details, and you will receive your PIN via post or SMS within 3 days. This PIN will allow you to go online and begin enjoying the benefits of all the services available to members online.

Benefits of Online Banking

Members enjoy many benefits using our online banking service, including:

Secure Member Login - Have peace of mind knowing that your data is secure

Stay in control of your finances no matter where you are and at any time

Move money between your CU accounts

Move money to your bank accounts

Check your latest transactions and balances

Apply for and drawdown a loan

Security

When you login, you will be asked for your Member Number, Date of Birth and the same PIN that you use for Accessing the Online Member Area.

We ensure that all your personal data is encrypted on secure servers. For additional security make sure that you are accessing your account information privately without people being able to see your screen.

Credit Union will never contact you requesting details of your PIN or Activation Code.
Any suspicious activity, please contact us.

Terms and Conditions Apply.
For details of our terms and conditions please click here.

Payment Services Directive (PSD2)

The Payment Services Directive (PSD2) is a new law within the European Union that was introduced in January 2018 designed to benefit customers by enhancing transparency, giving you greater control over your data and will further protect your banking and purchases online.

This will come into force on 14th September 2019.

What is Strong Customer Authentication (SCA)

Strong customer authentication (SCA) is the process that validates the identity of you the user when you log in to access online and mobile banking, and for further services such as making payments or changing your address.

From September you will be asked for additional security credentials. We will be sending you notifications to ask you to confirm that you have authorised payments, logged in or wish to make changes to your accounts. We will also implement additional fraud prevention measures. Our online terms and conditions will be updated to take account of these changes.

How does SCA work?

From the 14th September when accessing your account or approving certain actions, you will be required to authenticate yourself using two out of three of the following:

  • Something you know – i.e. password or PIN
  • Something you have – i.e. mobile application
  • Something you are – i.e. fingerprint or facial recognition
When does SCA it come into effect?

SCA comes into effect on the 14th September 2019.

Why is this happening?

The second Payment Services Directive (PSD2) came into effect on the 13th January 2018 which contained 12 mandates. One of these mandates covered strong customer authentication, the Regulatory Technical Standards (RTS) which are effective from the 14th September 2019, details how the mandate should be implemented. Accordingly, all account providers, online retailers etc. are required to comply with these Standards.

When is SCA applied?

SCA will be used when you do any of the following actions on your Online Banking account:

  • Access your account,
  • Initiate a payment,
  • Initiate an action which may imply a risk of payment fraud, such as creating a new payee.
Can I opt out of using SCA?

No, the EU directive is mandatory and all Online Banking users will be required to complete SCA.

What do I need to do?

To make this change easier, check that your mobile phone number and personal details are up to date on your Online Banking profile, or you can call into your local office.

Download Designated Framework Contract