About ADCU Online Banking

All your banking requires and more.

ADCU (Australian Defence Credit Union) has been delivering banking services to defence personnel, defence contractors and their families since 1959. Nevertheless, we welcome any individual from the general public to join.

ADCU Online Banking has assets exceeding $800 million, more than 49,000 members, 180 staff and 39 branches with a significant presence on many defence bases around Australia.

We pride ourselves on our reputation for becoming useful, trustworthy, professional and most of all for understanding the wants of our members.

We are a credit union and as such we exist for the benefit of our members. Our members are our shareholders and as a shareholder, each and every member has an equal say in how their credit union operates.

We invest our profits back into generating greater products and services for our members.

We are committed to enhancing our members by encouraging savings, making loans obtainable in the lowest feasible expense, and supplying other services to suit the banking requirements of our members and their families.

We meet these requires by understanding our members and designing merchandise and services to suit. Most importantly, we listen to our members and use your feedback to increase our service.

We are also committed to supplying a fair fee structure. Our relationship reward allows us to reward members for supporting ADCU Online Banking. Basically, the  more you bank with us, the larger the rebate on fees. In reality, the majority of our members pay small or no fees at all.

ADCU was formed in 1959 and we celebrated our 50th anniversary in 2009.

ADCU may be the longest continuously serving credit union devoted to meeting the defence community's individual finance requirements.

The Commendation for  exemplary service to the wider defence family recognises the credit union’s efforts and achievements as being of the highest level and carried out inside the finest tradition of the Australian Defence, Organisation.

Currently, ADCU Online Banking has more than 49,000 members and over $800 million in assets and we now welcome all Australians as members, regardless of where they function or live.

Registering for Access to ADCU Online Banking

Q: How do I register for the On the net Banking service?

A: You may apply on the web or request a form more than the telephone, by e-mail or by making use of our common enquiry form. Or merely apply at one of our branches.

Q: Soon after filling in my application form to use On the net Banking, how lengthy will it take just before I can use online banking?

A: Usually inside 48 hours you are going to obtain an email from us confirming your application. Your access code will only be given to you over the phone and only when you've been appropriately identified. Then log in to On the net Banking, and crucial in your member number and access code.

Access Codes

You can be prompted to alter your Access Code on initially accessing On the web Banking.

Q: What if I forget my Access Code?

A: You need to notify us that your Access Code isn't operating or you have forgotten it. In such instance you may must reregister on the net or call our Member Get in touch with Centre on 1300 13 23 28.

Q: How several times can I try to log in with my Access Code?

A: On line Banking will permit three login attempts ahead of blocking access to your accounts. Contact your branch or call us throughout business hours for details about acquiring your password reset, or follow the directions in "What if I forget my password?".

Q: Occasionally the technique rejects what I've chosen as my new Access Code. Why is the fact that? 

A: Here are some rules for Access Codes:

Access Codes must be at least 6 characters lengthy and should be all numeric. They can not have any blanks, or spaces embedded in them. Access codes aren't case sensitive. ^

Logging In

Q: Why is the On the internet Banking login screen not appearing?

A: You could have a pop-up blocker on your browser. To let the window to seem attempt the following strategies:

If using Microsoft World-wide-web Explorer:

Open World wide web Explorer.

Go to Tools Menu.

Go to Pop-up Blocker > Pop-up blocker settings.

Type link into the "Address of website to allow:" box and click "Add" button.

Click "Close" button.

If employing Mozilla Firefox:

Open Firefox.

Go to Tools Menu.

Go to Choices.

Go to Internet Functions.

Click best "Allowed Sites" button.

Form link into the "Address of site:" box and click "Allow" button.

Q: Why are my Member Number and Access Code not becoming accepted?

A: Probably the most most likely cause is that you might have typed your Member Number or Access Code incorrectly. You must form your Access Code specifically as you did after you changed it. Check your Number Lock Important. For far more facts about passwords please refer to the question "Sometimes the system rejects what I've chosen as my new password. Why is the fact that?".

One more cause could be that your browser's Online Possibilities or Preferences settings do not permit acceptance of cookies.

Q: When I enter my Member Number and Access Code and click the Sign On button, the box is clear. Why is this?

A: There might not be a problem. When you enter your details the screen clears momentarily for privacy and security reasons. The On the web Banking program really should seem within 10 seconds. Alternatively, if the screen seems to freeze then your browser may not have the high degree of security encryption required to access online banking.

Australian Defence Credit Union Difference

What is a Credit Union?

A credit union is created up of members who each and every own an equal share of the company and are basically shareholders.

Unlike banks, credit unions have no external shareholders to pay within the form of dividends, and as such, do not commonly seek to maximise and make substantial profits or capital gains.

This implies that as opposed to paying out profits in the type of dividends to shareholders, we reinvest the profits back into our home business, ensuring our members are rewarded with more competitive merchandise, services and fees.

The Australian Defence Credit Union Difference

As a credit union, we exist for the benefit of our members. The requires of our member’s drive all of our decisions and our people strive to deliver an outstanding consumer service knowledge each time.

We're committed to improving the normal of living of our members by encouraging savings, producing loans offered in the lowest probable price, and providing other services to suit the banking requirements of our members and their families.

We meet these requires by understanding our members and designing merchandise and services to suit. Most importantly, we listen to our members and use your feedback to improve our service.

As a mutual organisation, owned by, and run for the benefit of its members, we also look to build a positive impact on the local communities.

As a shareholder, each member has an equal say in how their credit union operates.

The Mutual Banking Code of Practice

The Mutual Banking Code of Practice is how credit unions and mutual creating societies will deliver on their pledge to usually put members 1st.

The Code contains 10 promises that outline how we'll do this.

Our 10 important promises to you:

1. We will be fair and ethical in our dealings with you

2. We will focus on our members

3. We'll provide you with clear info about our goods and services.

4. We'll be responsible lenders

5. We'll deliver high customer service and standards

6. We will deal fairly with any complaints

7. We will recognise member rights as owners

8. We will comply with our legal and market obligations

9. We'll recognise our impact on the wider community

10. We'll support and promote this Code of Practice.

Australian Defence Credit Union has more than 50 years expertise in delivering banking services to our members.

We strive to assist our members better manage their capital by providing competitive interest rates and keeping fees and charges at a reasonable level.

As a mutual economic institution our profits are re-invested back into the credit union so that you can present our members using the following rewards.

A full range of competitively priced merchandise and services

A Relationship Reward that rewards you

Handy 24 hour access to your funds

Useful and understanding service

Who Can Join?

Even though we specialise in delivering banking services to the defence community, anyone can join ADCU, no matter exactly where you work or live.

With Australian Defence Credit Union, as soon as you develop into a member, you're normally a member. This mean that regardless of how your circumstances alter, your membership will constantly stay.

To develop into a member, all you must do is total the Application for Membership and obtain a $2.00 share. (This share is refundable should you ever determine to resign your membership).

ADCU (Australian Defence Credit Union) BPAY

Q: If I load a future BPAY  payment, how many times will it try to debit my payment?

A: On the web Banking will attempt to debit the cash 5 times. If sufficient funds are not accessible after the fifth attempt, the payment won't be produced.

Q: What exactly is the cut-off time for BPAY payments I desire to be produced currently?

A: Payments produced before four pm (Eastern Standard Time) on a business day are going to be forwarded on exactly the same day. Payments created following this time will be forwarded on the next working day.

Q: Why do I get a message saying my Client Reference Number is invalid?

A: Please check your bill to guarantee you have entered the number properly. Assure you've not entered any spaces among the numbers. In case you nonetheless get the message, please get in touch with the payee and check the particulars.

Q: Why do I get a message saying my biller number is invalid?

A: BPAY payments can only be employed to pay bills bearing the BPAY logo. Please check your bill to make sure the logo appears. Also, please check your bill to assure you've entered the biller number properly.

Q: How can I check that a BPAY payment has been created?

A: You may check that it has been processed from your account by viewing transaction details on your account. Details of your BPAY payments will seem along with any other transactions you've created.

Q: Why hasn't my BPAY payment gone via?

A: This can occur if you did not click the 'Confirm' button on the BPAY - Confirmation screen. Cleared funds should be available within your nominated account for the payment to be produced. In case you have scheduled a payment to be made in the future, you must assure that you will discover adequate funds in your account to cover the payment on the day before the payment is due.

Q: What happens if I make a mistake with a future dated payment or need to cancel it?

A: Click on the Future Payments button. All future dated payments are listed. You now have the choice to view, modify or cancel a future dated payment.

1.Click the Modify button to view or modify details of a future dated payment.

two.Click the Delete button to delete, and as a result cancel a future dated payment.

3.Right after you have deleted or modified the payment, click the Confirm button.

Q: If I cancel my On-line Banking access, will this cancel my BPAY payments?

A: No. Should you no longer wish to create future-dated BPAY payments, you'll need to cancel any loaded payments before requesting cancellation of your on-line banking access. ^

ADCU Online Banking Log In

You can find a lot of advantages when logging on to your account on the ADCU sign in page. When you have opened an account with this reputable bank. You should reap the benefits of these perks in store for you as soon as you register for ADCU on-line banking log in. Wouldn't you like to get satisfaction from 24/7 banking?

Banking has in no way been this straightforward. All you have to do is go to their internet site and register for your account. Here, you enter inside your social security number, account number, and e-mail address. Soon after, you'll obtain a confirmation e-mail of one's registration. You can now access your account on-line.

Capital One Credit Card Login

Upon signing on, you may be able to access information like your account statement. No longer do you have to wait for a paper copy to be mailed to you. There is a lot more to this service than just viewing your bank statements. There numerous solutions you could take advantage of.

Another selection you may reap the benefits of is on the web bill payments. From utilities to credit card bills, you can have the ability to pay these bills on the internet. With these solutions, you in no way must wait for the bank's banking hours. You are able to pay your bills at any time of day from anywhere you might be inside the globe.

You could also invest your money when you log in to your account. From mutual funds to many markets, and from retirement to so a lot a lot more, there are lots of possibilities you are able to take to prepare you and your family's future. With on-line access for your account, you'll be able to do so much more.

Accessing your account is not restricted to a PC and broadband. You can do the same applying your mobile phone. This simply means that you simply can get pleasure from on the net banking on the go. This is how you take advantage of on-line banking on the ADCU on line banking log in page.