faq - General FAQs

Check out some of the most popular questions and articles.

How do I certify a document?

You’ll need to go to a JP or a solicitor. Just take the original document and a photocopy and they’ll assist you.

What documents are required for a Deceased Estate?

We’ll need a certified copy of the death certificate, a Will (if applicable) and your solicitor’s details, if you’re using one. We will then advise if any further information is required on receipt of this. For more information, please get in touch with our team.

How can I find my closest branch and the opening hours?

We have branches conveniently located throughout the Illawarra. Our branch opening hours vary depending on the location. You can find all of our branch opening hours here.

How do I increase my transfer limit on internet banking?

There are a few ways you can increase your transfer limit.


Send us a secure message via our moneytree mobile banking app, through internet banking, pop into one of our branches, or call us on 13 22 49.

What identification is required when opening a membership?

You’ll need to provide photo ID when you become a member. A driver’s licence or a passport will be acceptable.


If you don’t have any photo identification, don’t fret, just get in touch with us to discuss an alternative and we’ll help you sort it out.

What is the Government Guarantee & is the Credit Union covered?


In the unlikely event that a bank, Building Society or Credit Union becomes insolvent, the Australian Government may activate the Financial Claims Scheme, which enables quick access to deposits that are protected under the Scheme.

The Scheme is also referred to as the Australian Government Guarantee on Deposits. Under the Scheme, certain deposits are protected up to a limit of $250,000 for each account-holder at any bank, Building Society or Credit Union that is authorised by the Australian Prudential Regulation Authority (APRA). These institutions are known as authorised deposit-taking institutions (ADIs).

For more information refer to www.fcs.gov.au.

I’m not near a branch, how do I deposit cash or cheques?

Ban[email protected] gives you the ability to make deposits and withdraw cash at Australia Post branches. It’s safe, secure and ensures that you can bank anywhere a [email protected] is offered.

With [email protected] you can:

  •  Deposit up to $9,995.95 in cash per day;
  •  Deposit cheques; and
  •  Make up to $2,000 of withdrawals per day.

You’ll just need to bring your Illawarra Credit Union Visa Debit Card. Don’t have a Visa Debit card? Call 13 22 49 or complete our short form and we’ll have one posted to you.

Find a [email protected] Outlet here

Fees & charges may apply, click here for all the details.

What is the largest sum of cash I can withdraw at a branch per day?

You can withdraw up to $5,000 in a single day. If you need to withdraw more, just get in touch with us and let us know, as we’ll need 24 hours notice.

Do I qualify for financial hardship?

If you’re dealing with any financial hardship, just get in touch with us. We’re here to help. You can read more about how to make a financial hardship request here.

What is my BSB?

The Illawarra Credit Union BSB number for all accounts is 802 249.

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We’ve published our 2021 Annual Report, read more about the past year here.