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One-Time Password Guide

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One-Time Passwords is a unique password sent to your nominated mobile phone as an SMS message or displayed on your token.

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  What is One-Time Password? 

One-Time Password is an extra level of security on your Internet Banking. It is easy to use, quick and portable so you can access your Internet Banking account with confidence from anywhere around the world.  

We offer 3 types of One Time Passwords:

  • SMS text - One Time codes are sent by text message to your nominated mobile phone
  • VIP Access for Mobile - One Time codes are generated via Apple or Android phone app on your mobile phone. Code refreshes every 30 seconds.
  • VIP Token Security device - You carry this small keychain sized device with you. Handy for travelling overseas or in low mobile reception coverage areas. It creates a unique password code with each press of the button.
  How does it work? 

The One-Time Password service creates random temporary codes that you will need to input when when you add a new or update an existing biller/payee or when you update your contact details. 

The one-time password is automatically sent to the registered mobile phone number or token when requested. 

Once you receive the password, enter the 6-digit code into the space provided. 

  When do I need to have a One-Time Password for Internet Banking?

Members who have increased transaction limits (daily external internet banking of more than $500) will be required to use it; however, we encourage all members to request this additional layer of security on your account. Once registered you will be required to use a One-Time Password when prompted - giving you that extra level of security all the time. Once you have requested this service, within 3 business days, your new daily external internet banking limit will be $4,000.

  How do I get One-Time Passwords? 

Decide which type of One Time Password access suits you best: SMS text, VIP Access for Mobile or VIP Token Security device. Please request a service during business hours, as we will need to reset your daily Internet Banking limit to proceed. SMS text and VIP Access for Mobile can be generated immediately for you by our Staff. If you require a VIP Token Security device, we can mail it to you or you can choose to pick it up from our office. Alternatively, you can register for One Time Password within Internet Banking. To register within Internet Banking, follow these steps:

Step 1. Sign into Internet Banking

Step 2. Go to the ‘Services & Help’ tab

Step 3. Select ‘Set up Security Options’

Step 4. Register your mobile number

It is important that you have you mobile number classified as ‘Mobile’ from the drop-down list.

  How much does it cost? 

We do not charge a fee to use your mobile phone for One-Time Password via SMS text. However, your mobile phone service provider may impose fees and charges for sending and receiving messages. You should contact your provider if you have any queries in relation to fees charged. VIP Token Security devices are free for the first token. Replacement tokens are $20.00 each.

  How do I de-register for One-Time Passwords? 

To de-register from One Time Passwords, please contact the Member Services Team during business hours on (02) 6362 4466; send a secure email from Internet Banking or within our website; or come to our office.

  Can I temporarily de-register for One-Time Passwords because I have misplaced mobile phone; travelling; damaged mobile phone; mobile phone currently not in hand; problems with mobile service provider; currently no mobile phone coverage; etc?

If you need to temporarily de-register for One-Time Passwords for any of the reasons above you will need to contact the Member Services Team on (02) 6362 4466

To re-register when One Time Password is able to be used you will have to re-register through Internet Banking.

  How long are the One-Time Passwords available? 

To protect your account, One-Time Passwords are only available for 5 minutes. It is only valid for a single session and cannot be used again once you have logged out or closed your browser.

  Will I be required to enter a One-Time Password each time I make a financial or non-financial transaction within the same Internet Banking session? 

You will only be required to enter a OTP when prompted in Internet Banking, Mobile Banking or when using our Mobile app. 

  If I register a mobile phone for SMS text security, can I select an optional Home, Work or Mobile phone to receive the secure code? 

No. When you register for SMS text security, you will need to select only one mobile phone from the mobile numbers listed in your account as the default mobile for One-Time Passwords. We recommend that you nominate a mobile phone number that is used by you exclusively. 

  What happens if my mobile number changes?

Please contact Orange Credit Union on (02) 6362 4466 and we can deregister your One-Time Password and update your mobile number for you. Once it is deregistered, you can then sign into Internet Banking and re-register with your new mobile number.

  Can I use SMS text security on Internet Banking anywhere in Australia and overseas?

SMS text security is available anywhere that you can receive a standard text message to an Australian mobile number. For overseas use, please contact your mobile phone service provider.  If you plan to travel overseas, you may want to consider a physical token device.

  How long does it take for me to receive my SMS text security One-Time Password?

As soon as you complete your login to Internet Banking, you will receive your 6-digit security code within approximately 20 seconds on your nominated mobile phone. If you have not received your SMS text in this time, log into Internet Banking again to generate a new one.

Delays may be experienced during periods of high usage. The code will remain valid for 5 minutes from the time of receiving it.

  Can I reuse the same One-Time Password next time I log into Internet Banking?

No, the password is valid for one time only. One you receive an SMS Text you will have 5 minutes to use the password before it becomes invalid. 

  What happens if I receive an SMS text and I am not currently logged into Internet Banking? 

Please contact us immediately on (02) 6362 4466 to have the matter investigated.

  How will I know if I have successfully registered for One-Time Password? 

You will receive a notification on the screen telling you that you have successfully registered. 

  Can I lock myself out of Internet Banking when I put in the incorrect Secure Code? 

You will have a total of 3 tries to login before you are locked out. If you become locked out, please call the Member Services Team on (02) 6362 4466 to reset your account.

  Can I use the same mobile phone number on two different internet banking logins?

No, an individual mobile phone number is required per member number. 

  Can a One-Time Password be sent to two phones? 

No, you can only register one mobile number per One-Time Password registration. 

  How do joint members or business members register for One-Time Password? 

Internet Banking logins are assigned at the individual client level. Business members and joint members will still login to Internet Banking with their individual client number and password to access a business or joint account. They can register for One-Time Password the same as an individual member.

 

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