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  How to Apply
  1. You need to have internet access, a Northern Inland Membership, and a mobile number to complete the login process
  2. Fill in the online application and submit
  What do I do if I forget my Login number?

Contact us during office hours on 02 6763 5111 or visit a branch.

  What are my daily Transfer Limits?

Internal transfers and BPAY® payments:

No limits are set for internal transfers (transfers between your own accounts within Northern Inland). BPAY limits are set to $3000 per day per Membership.

External Transfers:

An external daily transfer limit of $3,000 (from Northern Inland accounts to accounts of other financial institutions) applies to each of your 9 digit accounts in total. To set a higher transfer limit, send a secure message request within Online Banking, visit our branch staff or contact us on 02 6763 5111.

  Security Features

Online Banking Security

Northern Inland applies additional security features to ensure your online banking experience is as safe as possible.

Online Banking users can choose from one of the following 2 options:

A built in second factor authentication within our smartPAY APP – you simply need to download the NICU smartPAY app from your App store, enter your Member login number and set up your login security preference (fingerprint, face recognition, or pattern/PIN) when prompted, and you are all set. The smartPAY app will have a built in second factor authentication which sends a message for you to confirm or reject within the app, upon each Online Banking login attempt. Not only will it help complete your online banking login process securely, you will also have 24/7 access to your accounts on your smart phone.

Go to the App Store for your smart phone and search ‘NICU SmartPay’ to download. Alternatively, from your Smart Phone use the links below to take you directly to the applicable App store.

SmartPay App versions required to download: iOS v13 and above, Android v6 and above.

  • IOS
  • Android

SMS two-way response – If you don’t wish to download the NICU smartPAY App, a 2-way SMS will be sent to your registered mobile number for your action at each login attempt, whereby you will need to return an accept or reject response to complete the login authorisation.

ACTIVATION & LOGIN PROCESS

STEP 1- If you wish to use our NICU SmartPay App along with Online Banking
1 First, download and install the latest NICU smartPAY mobile app from your App store
2 Input your Member Login number that you use for Online Banking
3 An activation code will be sent to the mobile number and/or email address that is on your Membership. It will go to both if we have both contact details.
4 Enter the activation code sent on the registered mobile number and/or email address.
5 Either set a biometric (Fingerprint for Android devices or FaceID for iOS devices) or Pattern/Pin (for non-biometric devices) so that it can be used for normal login for that device. Depending on what your device offers is what you can set. It is highly recommended that only your fingerprints be stored on the phone and ensure that the phone has lock screen enabled.
6 SmartPay App activation process is complete.
STEP 2 - Online Banking Login process
1 Launch the NICU Online Banking website on your desktop or mobile browser
2 Input your Member Login number
  If you didn’t download the NICU smartPAY App, a 2-way SMS will be sent to your registered mobile number for your action/approval of your login attempt. If you don’t have your mobile listed on your Membership, you will not be able to use Online Banking.
  If you have the new NICU smartPAY app, login into the mobile app and approve the Online Banking login request in the mobile app when prompted.
3 Once approved from the mobile app or 2 WAY SMS response, you will be successfully logged into the NICU Online Banking website

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 'Payees 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 NICU credit card?

Yes. You can set up a recurring BPAY 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 own Northern Inland accounts, within the one Membership.

 

Between other Northern Inland Memberships:

  How long does it take for money to reach other NICU Members account?

In most cases, transfers between Northern Inland accounts are instant. If you choose to pay by Osko, the payments are received within minutes. If you are unable to use Osko, 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.

 

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 under ‘Manage Payees’. If you choose to pay by Osko, you can also use their mobile or email address instead of their BSB and Account Number. Learn more here.

  How long does it take for the money to reach an account?

If you choose to pay by Osko, the payments are received within minutes. If you are unable to use Osko, 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 (as long as it remains within our Institution determined limits) and you can select daily external transfer limits that suit your needs. 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 savings accounts that can be opened via Online Banking - Bonus Saver Account, Christmas Club Account, Internet Saver Account and Project Saver Account. You are also able to open a Fixed Term Deposit from $5,000 to $249,000. All of these accounts can only be opened as an individual account of the logged in online banking user. If a joint account or business account is required, you will need to contact our Branches or Contact Centre.

  Set up SMS Alerts

1. Once you have registered for Online Banking, go to the Manage tab and 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 log on to Online Banking, go to the ‘Manage’ tab and select ‘Profile’. 4. You can receive 8 free SMS Alerts per month. Additional alerts are at a cost; read the Alerts page for further information.

 

Other Functions

  What other functions can I do via Online Banking?

Under the ‘Manage’ menu tab, there are many other functions you can do on your account. These include the following:

  • Update Contact details
  • Personalise/ 'Nickname' your accounts under Manage Payees
  • Activate your card
  • Change the PIN on your card
  • Place a temporary stop on your card if it’s lost or stolen
  • Manage your cheque book
  • Manage PayID

Also, you can send us a secure private message under the ‘Message’ menu tab and our Contact Centre staff will reply.

 

Further Information: