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Card Security

Here are some simple suggestions on how to keep your cards (and your money) safe.

Your PIN

You will be issued with your own unique personal identification number (PIN) which is sent to you separately from your card. When you use your card at an ATM or EFTPOS terminal (and press 'savings') you will be required to enter your PIN. If you choose to, you can enter your PIN instead of signing when making 'credit' payments.

For security reasons memorise your PIN and do not tell it to anybody else. Never record your PIN and store it in the same place as your card.

PIN security

You should follow the guidelines below to protect against unauthorised use of your card and PIN. These guidelines provide examples of security measures only and will not determine your liability for any losses resulting from unauthorised EFT Transactions. Liability for such transactions is contained within the conditions of use of the card outlined in our Terms and Conditions.

Guidelines for ensuring the security of your card and PIN:

Sign your card as soon as you receive it;
Keep your card in a safe place;
Never write your PIN on the card (even if it is disguised);
Never write your PIN on anything that is kept with or near the card (even if it is disguised);
Never lend your card to anybody;
Never tell or show your PIN to anybody;
Use care to prevent anyone seeing your PIN being entered at an ATM or EFTPOS terminal (we recommend using your hand or purse/wallet to cover your PIN when you enter it);
Immediately report the loss, theft or unauthorised use of your card to the Credit Union;
Examine your statement immediately upon receiving it to identify and report, as soon as possible, any instances where your card has been used without your authority; and
Immediately notify us of any change of address.