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Security

What we do to protect you

From account opening to banking on the go, our Fraud team and security features help keep you protected.

Fraud detection

Through 24/7 monitoring of your accounts, we can often detect fraud before you are even aware of it. If we notice a suspicious transaction, staff from our Fraud team or Fraud Bureau Service will contact you immediately by phone, text or email to confirm you have authorised the transaction.

We will also take proactive measures to restrict access to your account if we detect unusual activity and are unable to make contact with you. To ensure you receive these urgent notifications, please make sure your contact details are up to date.

Things we will never do:

We will never ask you to provide confidential information through text or email. If you receive an email or text with a request for this information from someone claiming to be a representative of Credit Union SA, please do not respond. Please be sure to delete the email and do not click on any of the provided links.

We will never call you and ask you to read back a one time Passcode that was emailed or texted to you.

We will never ask you to disclose your PIN or personal banking details in an unsolicited email, SMS or telephone call.


Secure registration, login process and security features

Security Icon - Member

Our secure registration processes (e.g. when accessing Internet Banking) will always ask for your personal account information, which only you should know.

Security Icon - Password

Our login processes need the right information, in the right order and only allow you a limited number of incorrect attempts before the system locks down for security.

Security Icon - Padlock

When you log in to Internet Banking, you’ll notice a padlock icon in the address bar. This shows that your browser is securely connected to our systems and protected by strong encryption.

Security Icon - Thumbprint

Our Mobile Banking App has biometric security enabled, so logging in can be even more secure through Apple’s Touch ID or Android Fingerprint.

Security Icon - Card

You also have the ability to lock and block your card, payWave, online purchases and international payments using our Mobile Banking App. Giving you extra control and security.


A layered security system 

We have a range of security options that give you an extra layer of protection.

Access Code

When you become a member with us, you will be asked to create your own unique Access Code which will enable us to verify your identity when you contact us directly.
Access code

Secure SMS

Register with our Secure SMS service and 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.

Secure SMS

VIP (VeriSign Identity Protection) Security 

We offer free Symantec VIP to help protect your bank account from online fraud. 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.

Symantec Logo

VIP Verisign

Independent and industry testing

Regular tests of our Mobile Banking App and Internet Banking system are undertaken by independent industry experts to ensure our services meet the highest standards of security. All of our websites are monitored and protected from sophisticated attacks. 


Visa Secure 

All Visa cards are automatically protected by this free service.

How does Visa Secure work?

As you make a purchase online, Visa Secure assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details so we can be sure your card isn't being used without your permission.

For your convenience and protection, Visa Secure works behind the scenes so in most instances you won’t be interrupted when shopping online.

Visit the Visa website for more information on how Visa Secure works. 

Operated by trained fraud specialists, the Fraud Bureau Service (FBS) provides our members with around-the-clock protection against fraudulent transactions.