Online Banking
Banking Made Easy
Life can get busy. Stay in control of your finances no matter where you are, and at any time with our online banking services.
ONLINE BANKING WITH US
Join us and benefit from our many loans and services available only to our valued members.
How To Get Started
If you already have a PIN, simply LOGIN using your member number, your date of birth and your PIN.
Not yet registered for online access? REGISTER today and a member of staff will contact you to verify your identity and complete the registration process. Once verified, a PIN can be sent securely via SMS or by post.
Non-members must first become a member. Join Us today.
Security
When you login, you will be asked for your Member Number, Date of Birth and the same PIN that you use for Accessing the Online Member Area.
We ensure that all your personal data is encrypted on secure servers. For additional security make sure that you are accessing your account information privately without people being able to see your screen.
Credit Union will never contact you requesting details of your PIN or Activation Code. Any suspicious activity, please contact us.
Strong Customer Authentication
On September 14th 2019, additional security to protect online payments, known as Strong Customer Authentication, will be introduced across Europe as part of the Second Payment Services Directive (PSD2).
PSD2 was introduced to improve security, reduce fraud and encourage competition, while taking into account modern payment methods such as mobile payment and online payment.
- Knowledge - something only the user knows. For example, a password;
- Possession - something only the user possesses. For example, a mobile phone;
- Inherence - Something the user is. For example, fingerprint or iris pattern.
- Whenever a member logs in to their online account, they may be asked to take an additional step to further authenticate themselves. This will happen every 90 days.
- When a member sets up a new payee they will be asked to provide further authentication.
- If a member wishes to view transactions or documents older than 90 days, they must provide further authentication.
Third party card issuers and merchant service providers are also likely to roll out their own SCA solutions in relation to transactions on credit union accounts, but these providers will issue their own announcements and instructions in due course.
In general terms, SMS does have some inherent weaknesses, however, through our systems service provider we have sourced a robust security solution which protects the SIM cards in mobile phones from ‘hijacking’ (SIM Swap attack). This solution, SIM Swap Protection Service, is used by all the leading banks in Ireland, so we are confident it is entirely suitable for online account users. It should also be noted that the European Banking Authority (‘EBA’) has indicated that SMS is a valid medium for the transmission of authentication codes and one-time passwords (‘OTP’) as long as the SMS is subject to measures that prevent replication of the SIM.
