Internet banking is a fast way to do your banking.

Registering for Internet Banking only takes a few minutes. Once you’re registered, you can use our Mobile app, Mobile Banking or Phone Banking as well.

Features include:

  • Display account balances
  • Display transaction details
  • View and print eStatements
  • Change PIN on your access cards
  • Set up One Time Password SMS Text
  • Transfer funds within a membership or linked memberships
  • Transfer funds to external financial institutions
  • BPAY®
  • Personalise previous payee lists
  • Future date transactions and set up regular payments
  • View loan, term deposit and payroll details
  • Display interest earned

The use of Internet Banking is a free service to Orange Credit Union members.

You will need to register for internet banking before you can start using it. To register, please click the Internet Banking button on the Home page of our website and follow the prompts to Register. Once you register, we'll be in touch during business hours to assign your first password to login.

You will be required to read and accept Orange Credit Union’s Terms and Conditions of use for Internet Banking. 

When logging in for the first time, you may be automatically prompted to choose a new password. Remember not to choose a password that is the same as your member number, or that is sequential letters or numbers. To maintain security, your chosen password must comply with the below:

  • Minimum of 6 characters in length
  • Maximum of 16 characters in length
  • Must contain letters and numbers
  • You may use a combination of lower and upper case letters, numbers and symbols
  • Do not include the following characters and/or spaces: < > /

We have placed the utmost importance in ensuring that your personal details, funds and account information remain secure from unauthorised access. Internet Banking has various security features that protect both you and us. These include:

  • Password anonymity
  • One Time Password SMS Text for increased security
  • Member chosen password
  • Timeouts for inactivity when session opened
  • Host system security
  • Audit trails
  • Account accessibility parameters

Internet Banking employs 128 bit encryption of data sent to and from the site to ensure that no information can be intercepted and read by others (encryption scrambles the data that is sent on the line to stop people who may try to tap or hack into Internet communications).

We take the online security of your money very seriously. That’s why we use the latest systems and technology to ensure your savings are safe with us.

We combine 128-bit encryption and sophisticated firewalls with 2-tier authentication to offer the highest online protection for your money and information. This enhanced security system might seem like a hassle at first, but it’s really simple to set up and use!

Simple login (tier 1 authentication)

Tier 1 allows you to access simple services like account balances and transaction history. It’s what you’re probably already used to – logging in with your member number and password.

One Time Password (tier 2 authentication)

Tier 2 is needed to protect your money when it moves or you update your details. It ensures that it is really you making the changes or moving money. For this, you need to add an extra security level of a One Time Password. With One Time Password, a secure code is sent to your mobile phone via text.

Our current internet banking daily limit is $4,000 with One Time Password. Should you require a temporary or permanent change of a higher daily limit or to have some of your accounts on Internet Banking as "view only" please contact us.

We recommend you use the most up-to-date version of your preferred browser. These include: Internet Explorer version 11 or higher, Firefox version 2 or higher and Safari version 3 or higher.

Yes, you can use internet banking for two-to-sign accounts. Use your Member number and password to log in. Conduct the transaction as normal. The transaction will be stored and await approval from the other authorised party before it is activated. It will appear as a Pending Transaction at the bottom of the Transactions menu.

Yes. If you feel that your password may be known by someone else or you are not happy with it, you may change your password at any time. As part of our ongoing security, we will also require you to change your password every 180 days. To change your password, simply click on the Forgot My Password link on the login screen for Internet Banking. To change your password online, you will need One Time Password SMS Text.

If you forget your password, simply click on the Forgot My Password link on the Internet Banking login screen. You will need a One Time Password to change your password online or contact our office during business hours.

If the password you selected does not work, it may be because it does not meet the criteria for a secure password. Remember not to choose a password that is the same as your member number, or that is sequential letters or numbers. To maintain security, your chosen password must comply with the below:

  • Minimum of 6 characters in length
  • Maximum of 16 characters in length
  • Must contain letters and numbers
  • You may use a combination of lower and upper case letters, numbers and symbols
  • Do not include the following characters and/or spaces: < > /

If your Internet Banking is locked you will need to reset your password. You can reset your password on the login screen using Forgot My Password (you will need a One Time Password) or contact us during office hours.

Orange Credit Union uses Osko for external transfers. If you are transferring funds to another institution who uses Osko, then the transfer is usually immediate. If not, then the transfer could take up to 48 hours depending on the receiving institution.

You can transfer funds within your own membership and you can now also transfer funds to other memberships within Orange Credit Union. You will need to know the membership number and Savings or Loan type you want to transfer funds to.

For example to transfer to the S6 of member number 12345, you would need to enter "123456S6". To process an internal transfer you will need to select the Transaction Menu then select the Transfer option from the drop down list.

Yes. You can make payments to payees at other financial institutions. The details you need to provide to make a payment are BSB, account number, account name, reference and the amount to be paid.

Please ensure that the details you provide are correct to avoid the payment being delayed or returned to Orange Credit Union.

To process an External transfer you will need to select the Transact Menu then select the Credit External option from the drop down list. You will then be asked to enter the details of the payment.

Please be aware, unless you are registered for One Time Password, you will not be able to transfer more than $500 per day outside of Orange Credit Union.

To deposit funds or direct debit from your account it is best to give your Alternate Reference (or External Account) Number. Your ARN is a 9-digit number that is easily understood by banking systems outside of Orange Credit Union.

Each of your accounts will have a separate ARN.

Please find the ARN for each of your accounts on Internet Banking under Services & Help / BSB Information.

When making external payments, the BSB number must be in the correct format. The BSB should read nnnnnn. The BSB for Orange Credit Union is 802129.

Yes. BPAY® is a facility that is available to all users of Internet Banking. To transfer funds using BPAY, you will need:

  • A Biller Code – between 4-6 digits, which should be located on your bill.
  • A Customer Reference Number – also located on your bill, usually near the Biller Code. The number of digits varies from biller to biller.

You can enter a description for the payment to refer to in the list of saved billers.

You can also select Schedule Payment on this screen to set up a recurring BPAY transfer, in much the same way as you would for a normal electronic funds transfer.

Yes. Under the "Accounts" menu select Online Statements where you can download PDF statements to view or print.

Yes. We often pay so many bills that, over time, the information stored in our previous payee list becomes obsolete or just too long to manage. You can delete or edit details for both BPAY® and Transfer External.

Yes. Transactions may be future dated and may be set to run as either one off, weekly, fortnightly, monthly, quarterly or yearly. You can also set an end date.

No. All future dated payments are set up like a periodical payment. You only need to ensure that there are sufficient available funds in your account on the due date of the payment.

Future dated payments can be viewed, edited or deleted from the Future Dated Payments menu. Modifications to scheduled payments must be processed at least one working day prior to the specified payment date.

After 5 minutes of inactivity, Internet Banking has been set to automatically log-out and force you to log back in by re-entering your password.


 

Internet Banking Guide

Q: How do I register for the Internet banking service?

A: You can apply by using our online form, or at our office.

Q: After filling in my application form to use Internet Banking, how long will it take before I can use online banking?

A: We will process your request during business hours. Once you have been appropriately identified and a password has been set-up, you are able to log in to Internet Banking.

You will be prompted to change your password on first signing into Internet Banking.

Q: What if I forget my Password?

A: You can reset your password on Internet Banking using One Time Password (SMS text only) or contact us during business hours. 

Q: How many times can I attempt to log in with my Password?

A: Internet Banking will allow three login attempts before blocking access to your accounts. 

Q: Sometimes the system rejects what I have chosen as my new Password. Why is that? 

A: Here are some rules for Passwords:

  • Minimum of 6 characters in length
  • Maximum of 16 characters in length
  • Must contain letters and numbers
  • You may use a combination of lower and upper case letters, numbers and symbols
  • Do not include the following characters and/or spaces: < > /

Passwords are case sensitive.

Q: Why is the Internet Banking login screen not appearing?

A: You may have a pop-up blocker on your browser. To allow the window to appear try the following methods:

If using Microsoft Internet Explorer:

  • Open Internet Explorer.
  • Go to Tools Menu.
  • Go to Pop-up Blocker > Pop-up blocker settings.
  • Type in the address for our Internet Banking login page in the "Address of website to allow:" box and click "Add" button.
  • Click "Close" button.

Please review other methods to allow pop-ups based on your operating system (eg Chrome, Safari, Firefox etc). Please also note that Windows Edge may cause issues with external payments on Internet Banking - if that is the case, please use Chrome or Internet Explorer to access Internet Banking.

Q: Why is my Member Number not being accepted?

A: The most likely reason is that you have typed your Member Number incorrectly. Another reason could be that your browser's Internet Options or Preferences settings do not allow acceptance of cookies.

Q: When I enter my Member Number and click the Sign On button, the box is clear. Why is this?

A: There may not be a problem. When you enter your details the screen clears momentarily for privacy and security reasons. The Internet Banking system should appear within 10 seconds. Alternatively, if the screen seems to freeze then your browser might not have the high level of security encryption required to access online banking.

Q: Why do I always need to scroll down to see the full screen on each option?

A: This may be because your display settings are set to a resolution of less than 1024 x 768. You can check these via the "Control Panel" display settings if you are using a Microsoft Windows operating system. This may also occur because you have added a toolbar to the window display.

Q: Why is it that some boxes or buttons on my browser's window are not displayed correctly?

A: Your PC could be running out of assigned memory. Close down some other applications you have open, to free up memory. Your display settings may not be correct for your monitor, or you may not be using the correct driver for your monitor.

Q: What is a transaction list?

A: A transaction list is a list of all your transactions over a period of time that you select. It is similar to a statement. (Note: This transaction list does not constitute the statement the Credit Union is required to issue to you in accordance with the terms and conditions applicable to your membership.)

Q: What are eStatements?

A: eStatements are a PDF version of the printed statement you would normally receive in the mail. Electronic statements are available Internet Banking under Accounts / Online Statements and include statements for more than 5 years previous for viewing or printing.

Q: If I load a future BPAY payment, how many times will it try to debit my payment?

A: Internet Banking will attempt to debit the money over five consecutive days. If sufficient funds are not available after the fifth attempt, the payment will not be made.

Q: What is the cut-off time for BPAY payments I want to be made today?

A: Payments made before 4.00pm (Eastern Standard Time) on a business day will be forwarded on the same day. Payments made after this time will be forwarded on the next working day.

Q: Why do I receive a message saying my Customer Reference Number is invalid?

A: Please check your bill to ensure you have entered the number correctly. Ensure you have not entered any spaces between the numbers. If you still receive the message, please contact the payee and check the details.

Q: Why do I receive a message saying my biller number is invalid?

A: BPAY payments can only be used to pay bills bearing the BPAY logo. Please check your bill to ensure the logo appears. Also, please check your bill to ensure you have entered the biller number correctly.

Q: How can I check that a BPAY payment has been made?

A: You can check that it has been processed from your account by viewing transaction details on your account. Details of your BPAY payments will appear along with any other transactions you have made.

Q: Why hasn't my BPAY payment gone through?

A: This can happen if you did not click the 'Confirm' button on the BPAY - Confirmation screen. Cleared funds must be available in your nominated account for the payment to be made. If you have scheduled a payment to be made in the future, you must ensure that there are sufficient funds in your account to cover the payment on the day the payment is due.

Q: What happens if I make a mistake with a future dated payment or want to cancel it?

A: Click on the Future Payments button. All future dated payments are listed. You now have the option to view, modify or cancel a future dated payment.

  1. Click the 'Modify' button to view or modify details of a future dated payment.
  2. Click the 'Delete' button to delete, and therefore cancel a future dated payment.
  3. After you have deleted or modified the payment, click the 'Confirm' button.

Q: If I cancel my Internet Banking access, will this cancel my BPAY payments?

A: No. If you no longer wish to make future-dated BPAY payments, you need to cancel any loaded payments before requesting cancellation of your Internet Banking access.

Q: I click the Internet Banking Login button and web page with 'old browser detected' on it. What's wrong?

A: Internet Banking requires the latest web-browser technology - either Microsoft Internet Explorer 11, Chrome, Mozilla Firefox or Safari.

Q: Can I gain access to Internet Banking from overseas?

A: Yes. You will need Internet access, your Member Number and password, One Time Password (if applicable) and then you can access all Internet Banking functions from anywhere in the world. Please ensure that you maintain strict control over your password details. In addition, ensure that the PC you are using has the latest virus protection and is secure. We recommend that you never access Internet Banking on a PC in a public location such as a library or Internet cafe.

Q: How long can I leave the Internet Banking site open on my PC?

A: Internet Banking will time out after 5 minutes of inactivity. We recommend that you never leave your Internet Banking site open if you leave the computer you are working on. Log out of Internet Banking and re-enter at a later time if required.

Q: Why do I sometimes receive a display with the message "System is not Available"?

A: Sometimes we perform housekeeping functions on the Internet server. These only take a couple of minutes but can interrupt service while they are in progress. We advise you to wait a couple of minutes until the system is available, or to close down your browser, wait a moment and try again. If problems persist please contact us.

  • Microsoft Internet Explorer 11+, Chrome or Mozilla Firefox should be used to access the Internet Banking service. Full production release versions of these products must be used. Never use beta versions.
  • The minimum version numbers of these browsers that you should use to access the Internet Banking service are Internet Explorer 6+ and Firefox 3.5+. Microsoft Edge is not recommended.
  • Do not use lower versions of the browsers than those stated. Amongst other things, they may not be able to implement 128-bit encryption successfully.
  • Always use the 128-bit encryption version of these browsers. Take care when downloading them as the version number may be the same for both the strong and weak encryption versions of these browsers.

Q: How do I know what the version number of my browser is?

A: These browsers display their version in a box as they load on your PC. Alternatively click on Help in the menu bar of the browser and then click on About. The version number and level of encryption security (Cipher Strength) will then be displayed. If it is 40-bit or 56-bit, you will need to upgrade your browser.

Microsoft Internet Explorer users can do this through Microsoft's Download Centre web page. Please note this will take some time as the browser program and add-ons can be quite large. We encourage you to regularly check for browser (and operating system) updates to keep up with security improvements. Refer to Microsoft's Windows Update web page for more information.

If you are unsure of how to do this, please contact your PC maintenance service or the dealer from whom you purchased the PC.

Q: What browser settings must I use to permit access to the Internet banking system?

A: Although it is not possible for us to define the particular settings for all types and versions of Internet browsers, we suggest that the browser you use should:

  • have 128-bit encryption security
  • enable acceptance of cookies
  • enable Javascript and SSL3 security
  • screen settings at 1024 x 768

These are normally included as your browser's default settings and can be checked by selecting Tools, Internet Options.

We recommend that you disable any settings your browser may have for automatic completion of names and passwords. Never accept any offer from your browser to save or remember your password.

If you are unsure of how to check or alter these settings, please contact your PC maintenance service or the dealer from whom you purchased the PC or the organisation from whom you obtained the browser.

Q: What is my browser cache?

A: This is where the browser stores pages it has received over the Internet. It does this so that it can speed up your Internet sessions by only downloading files that have changed.

Q: How do I clear my browser's cache?

A: We suggest you consult your browser's Help function. If you cannot find out how to clear your browser's cache there, please contact either your PC maintenance service, the dealer from whom you purchased the PC or the organisation from whom you obtained the browser.

Q: What are cookies?

A: Cookies are small data packets that can be stored on your computer by an application you are interacting with over the Internet.

To use our application your browser must be instructed to accept cookies. Your browser may be set to do this already, in which case you may be unaware that cookies are being exchanged between our computers. If not, you will probably receive messages from your browser asking whether you want to accept cookies.

Consult your browser's 'Help' facility to find out how to change your browser's settings to accept cookies. At the end of your session our application always removes any cookies we have placed on your PC. Be assured we do not use cookies for any purpose other than to monitor the status and integrity of your current session.

Need additional assistance?

If you have a question of your own that is not covered, then please contact us today.

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