Protecting your cards and accounts
There are simple things you can do to up the security on your debit cards, credit cards and accounts.
Our Mobile Banking App has a range of security features to keep you in control. Just by selecting 'Card management' from the drop-down menu, you’ll be able to:
- Change your card PIN
- Lock your card temporarily if it’s lost or stolen
- Block online purchases
- Block international transactions.
Set up alerts
You can turn on alerts using the Mobile Banking App and we’ll instantly notify you when a:
- Direct debit is taken from any of your accounts
- Direct credit is applied to any of your accounts
- Transaction is made on your Credit Union SA Visa debit or credit card.
Keep an eye on your account
It’s important to regularly check your transaction history using the Mobile Banking App or Internet Banking. This way you can keep an eye out for anything unusual or suspicious and report it immediately.
Activate Two-factor Authentication (2FA) for an extra layer of security
2FA provides you enhanced security as it makes it harder for someone else to access your online accounts. We offer:
To give you an extra layer of security, register for our Secure SMS service in Internet Banking.
Once registered we will send you a one-time passcode which must be entered to complete a restricted transaction or function in Internet Banking such as paying someone new, card management or updating contact details.
We offer free Symantec VIP to help protect your bank account from online fraud. You’ll need to be registered for Secure SMS before registering for Symantec VIP.
The Symantec VIP Access app works by generating one-time security codes on your phone, tablet or computer that you can use to identify yourself when using Internet Banking to pay someone new or change your details.
Using Symantec VIP is more secure than getting your codes via Secure SMS because with Symantec VIP, you are protected from mobile porting.
Check your payment limits
Take a look at your transfer, BPAY and International money transfer limits, to make sure they are suitable for your needs. If you don’t need to make any large transfers or payments, it might be worthwhile reducing them.
Update your contact details
Through 24/7 monitoring of your accounts, we can detect fraud or unauthorised use. If we notice any suspicious activity, staff from our Fraud team or Fraud Bureau Service will contact you by phone, text, email, or mail to confirm you have authorised a transaction. To ensure you receive these notifications, please make sure your contact details are up to date.
Staying safe when shopping online, instore and travelling
Make sure the website you’re visiting is secure with these checks:
- Check for a refund or returns policy. The better online shopping and auction sites have detailed complaint or dispute handling processes in case something goes wrong.
- Look for a URL starting with ‘https’ and a closed padlock symbol, or a payment provider such as PayPal.
- Check the address for subtle misspellings, additional words and characters and other irregularities which might suggest it’s not authentic.
- If you’re using a public computer, don’t enter any private information like your credit card details as some hackers may have installed malware to record your personal details.
- Always cover your hand when entering your PIN.
- Always keep your credit card visible when making payments.
- Always keep your receipt, especially when using PayWave.
- Avoid having your card blocked by our fraud monitoring service when you’re overseas by letting us know the dates you’ll be travelling and the countries you’re planning to visit.
- Don’t put all your cards together in case your wallet or purse is stolen. Keep the cards you use very close to you at all times, and the cards you don’t in a secure place like a safe.
ATM protection tips
- Be aware of your surroundings when using an ATM.
- When entering your PIN, shield it from view, and when removing cash, do so quickly.
- If the ATM shows signs of tampering like scratch marks, adhesive, or tape, do not use the ATM and report it to the ATM owner.