We are committed to providing secure banking facilities
As your financial institution, Southern Cross Credit Union is committed to providing you with secure and private banking facilities.
Keeping Your Money Secure
Remember we will never:
- Ask you for your NetBanking login or credit card details via phone or email
- Use email to send you a link to the NetBanking login page
- Ask you to disclose your password to us in any form
24/7 Fraud Monitoring
Together with Orion - our supplier of fraud management services - we have a sophisticated card monitoring program in place to provide additional security to you 24 hours a day, 7 days a week, while you're at home or travelling overseas.
Orion monitors your usual card spending activity and is able to quickly identify any unusual spending patterns with the aim of preventing attempts by others to use your card.
What happens if there has been a suspicious transaction on my card?
If Orion detects suspicious or unusual spending behaviour on your card they will contact you via phone and email to confirm the transaction was genuine before putting a stop on your card.
It is very important that you ensure your details with us are up to date and correct and that you notify us if you are travelling overseas as your card may be blocked if we are unaware of your plans to travel abroad.
Internet and Mobile Banking
There are a few things you can do to protect your security when banking online.
Check that the site is secure
When logging into NetBanking look out for the closed padlock symbol at the bottom or top right corner. You will also notice that the web address in the address bar will begin with 'https://'.
Always access the SCCU website directly. Don't click on links in emails or SMS's to get to the SCCU website or NetBanking login page.
Log out after using NetBanking
Always click on the 'Logout' button and close the browser when you have finished using NetBanking. Simply closing the browser when you are done may not log you out of NetBanking completely.
Choose secure access codes
When choosing your password try to make sure it is as unique as possible. Don't use your birthday or the name of your pet.
Remember never to disclose your password to anyone.
Security tokens are available to provide enhanced security when accessing your accounts online via NetBanking or your mobile.
There are two types of security tokens available:
- SMS token (for customers with accounts with daily access limits above or below $2,000); and
- VIP Access tokens (for customers with accounts with daily access limits above $2,000)
If you would like access to enhanced security when accessing your accounts via NetBanking or mobile banking you can enable the SMS token facility.
The SMS security token can be enabled by all customers, no matter what your daily access limit amount is set at.
VIP Access Token
If your daily transaction limit is more than $2,000, or you would like to increase your daily limit to more than $2,000 you will be required to use either the SMS token or a VIP Access token to access your accounts online via NetBanking or mobile banking.
The VIP Access token is available via a mobile application or token that can be attached to your keyring.
The VIP Access token provides you with a unique security code that you can use in addition to your username and password when logging into NetBanking or mobile banking. The use of a secondary security device increases safety and security when accessing your accounts online.
Need more information?
Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please read carefully the Product Disclosure Documents.