Our Online Security Practices

Our website provides users with a range of security practices.

The website, internet banking and our banking app moneytree is protected by sophisticated firewalls with adaptive security algorithms (ASA) which maintain the secure perimeters between the websites and the Internet. This provides full firewall protection that conceals the architecture of the internal networks from the outside world including protection against attacks.

Whenever you use internet banking, moneytree or submit information to us using one of our online forms, your information is protected by banking industry standard 128-bit SSL (Secure Socket Layer) encryption. Encryption is a process of scrambling information using random mathematical algorithms ensuring that only Illawarra Credit Union can receive this information in an understandable format. SSL is a protocol developed by Netscape that enables a web browser and a web server to communicate securely. Security is provided in two different ways:

  • authenticating the web server to the client using a digital certificate; and
  • encrypting all information sent.

You can identify whether the internet banking session is secure or encrypted when you see a padlock in the bottom right corner or in the top right corner of your web browser. Clicking on the padlock will also provide you with details on the Security Certificate pertaining to the encrypted session.

The combination of the Credit Union’s SSL-enabled web server and a valid security certificate provides you with three things:

  • Authentication You can be assured that the company that installed the certificate is the true owner of the website.
  • Message privacy Using a unique session key, SSL encrypts all information exchanged between your computer and our web server. This ensures that personal information cannot be viewed if intercepted by unauthorised persons.
  • Message integrity The data cannot be tampered with over the Internet.

Data transmission of the Credit Union’s main online forms is protected through the application of a SSL certificate provided by Comodo.


A  security verification image such as that displayed at left will be on all our secure forms. This will verify the authenticity and encryption procedures associated with securing your information.

The Comodo Web Server Certificate connects at 128 bit, 56 bit or 40 bit depending on your browser’s capability.

The vast majority of computers use browsers more recent than Internet Explorer 6 or Firefox 2. If your browser is earlier than either of these, to secure the maximum 128 bit encryption provided by the Comodo Web Server Certificate we recommend that you update your browser.

For more information on Comodo Web Server Certificates go to their site at www.comodo.com

For your further protection, our Online Banking system has been set to automatically “log out” after 2 minutes if your banking session remains unattended. This means that should you leave your computer for any reason for longer than 2 minutes whilst conducting an Internet Banking session, the system will end your session to ensure that no-one else can access your personal information in your absence.

With our Internet Banking Service, after 3 incorrect attempts to enter your password, access will be locked. This is to ensure that there is no unauthorised access to your account details.

If your account becomes locked, it will then be necessary to contact us to request that your Internet Banking access be reinstated.

To avoid incorrect password attempts, we strongly recommend that you have a password of your own choosing which will be easy for you to remember (but hard or others to guess), and that you should also be aware that the passwords are case sensitive so you need to check your Caps Lock key.

If you are still experiencing difficulties with your Internet Banking Service or our web page, please contact us and we will address any issues during normal business hours.

Our Internet Banking system also provides you with information on the date and time of your last session. This allows you to check the most recent session each time you use Internet Banking to ensure that nothing is out of the ordinary.

As a further protection, you can select to receive email confirmations of actions you undertake through our Internet Banking service such as external transfer, bill payments and a change to your email address.

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