The GMCU Mobile App has been updated to improve your experience.
We’ve taken on your feedback and worked hard to make the App smarter, faster and more personal. From a refreshed look and smoother navigation to new features that put you in control, making your everyday banking easier.
Simpler navigation: Enjoy an improved interface, dashboard, and navigation for a smoother experience.
Re-designed Dashboard: See your account details and balances, track your spending, and view your savings goals, all from your dashboard.
Personalise your view: Customise your dashboard by choosing which accounts and widgets you want to see.
Make it yours: Upload a profile picture to make the App yours.
This update also introduces Confirmation of Payee, helping you verify payee details so you can send money to the right person with confidence. Learn more about Confirmation of Payee here.
This update is now available for you to download on Google Play and the Apple App Store.
Keeping you and your money safe: shopping online this Christmas
Ahead of the festive season, many of us find online shopping to be a convenient way to buy gifts, but it’s important to stay alert and vigilant to protect yourself online.
Online scams are now a common threat. Did you know in 2025, Australians lost $259 million due to scams online (Scamwatch).
GMCU Fraud & Disputes Lead, Duane Cousins shares his top tips to staying safe when shopping online:
Keep your devices up to date by having the latest updates installed and having strong passwords for all devices and accounts
Use a trusted network such as your home Wi-Fi or 5G rather than public Wi-Fi
Shop at trusted sellers by doing checks prior to make sure they’re genuine sellers
Know your rights as a buyer by taking the time to ready the terms and conditions carefully
Use secure payments such as PayPal, PayID PayTo or debit card to make the transaction as secure as possible
Check your bank statements regularly to make sure you’ve been charged the right amount and if you see something you don’t recognise, it could be a sign that a scam has occurred
Products that are for sale at an unusually low price compared to usual or other more reputable websites often indicate a scam
Be wary of social media stores that are new, scammers like to post fake ads and fake reviews
“Scammers are becoming more sophisticated every year, but with a few simple precautions, you can shop online with confidence. Staying informed and vigilant is your best defence,” says Duane.
“Our members and community should be able to enjoy the festive season without worry. A little extra care when shopping online can make all the difference in protecting yourself and your loved ones.”
If you think you’ve been scammed, report it to Scamwatch and call us on 1800 MY GMCU or drop into your local branch.
Don’t let scammers take your joy this festive season.
Learn more at safety tips at: www.beconnected.esafety.gov.au or at scamwatch.gov.au
Click here to login and join the online AGM. For support, please refer to the virtual meeting support guide.
The Annual General Meeting of Goulburn Murray Credit Union Co-Operative Limited (GMCU) will be held on 26 November 2025 commencing at 1.00 pm.
Members will be able to attend the meeting online, with the ability to vote, comment and ask questions in real time, or in advance of the meeting.
Agenda
1. To receive the Financial Report, Directors’ Report and Auditor’s Report for the year ended 30 June 2025.2. To consider, and if thought fit, to pass the following as separate resolutions:
2.1 That Eugenie Stragalinos be appointed as a director.Note: Director Eugenie Stragalinos retires by rotation this year, is eligible for re-election by invitation of the Board and has signified the intention to stand for election.
2.2 That Adam Woods be appointed as a director.Note: Director Adam Woods retires by rotation this year, is eligible for re-election without nomination and has signified the intention to stand for election.
3.To consider, and if thought fit, to pass the following resolution:That, for the purposes of Constitution rule 17.1, the maximum aggregate directors’ remuneration be set at $249,142 PLUS super guarantee per year, commencing from 1 July 2025, and that, for the avoidance of doubt, the Credit Union may pay from the aggregate annual amount, remuneration to a person for services provided as a director at any time on or after 1 July 2025.
By Order of the Board of Directors Hayley CollinsReturning Officer
Proxies
You can vote on these resolutions by proxy. Your proxy does not have to be a member of the Credit Union. An Appointment of Proxy form is available for download here.
For your appointment to be valid, the completed Appointment of Proxy form must reach Goulburn Murray Credit Union Co-operative Limited by no later than 1.00 pm on 24 November 2025.
Need help joining the meeting online?
If you have any technical issues, please try the following:
Feed not starting: If meeting time has passed, refresh your page and try again.
Ensure you are using the latest Chrome, Firefox, or Safari Browser. Not recommended using Microsoft Edge.
Stuttering Video & Sound: refresh page; OR close all applications and re-open in chrome. Still persisting, reboot computer and only open 1 tab with the video stream.
No Voting Page Available: Are you a voting Member? Only voting members have access to the voting.
Run: www.speedtest.net; make sure you have over 2Mbps of download available.
Any other queries please contact Vero Voting Support: support@verovoting.com.au (or Phone: 1300 702 898)
Related meeting documents
2025 Notice of Annual General Meeting2025 Annual Report2025 Proxy Nomination Form2025 Virtual Meeting Guide - Vero Voting Quick Reference Guide
The Annual General Meeting of Goulburn Murray Credit Union Co-Operative Limited (GMCU) will be held virtually, via Vero Voting on Wednesday 26 November 2025, commencing at 1.00 p.m. (AEDT).
Members will be able to attend the meeting online, with the ability to vote, comment and ask questions in real time, or in advance of the meeting. GMCU will provide further information on how to access the Vero Voting Platform at gmcu.com.au/AGM in advance of the meeting.
ELECTION OF DIRECTORS
An election of directors is required in conjunction with the Annual General Meeting.
Nominations
In accordance with the Credit Union’s Rule A4-2, nominations are now invited from members for the position of director. Nomination forms are available by contacting the Returning Officer at the Credit Union’s Head Office. Nominations must be signed by two (2) members as nominators and must be signed by the nominee consenting to the nomination, together with a declaration as to his or her eligibility to be a director in accordance with the Credit Union’s Rule 13.2. Nominees are required to complete all forms necessary to allow testing under APRA’s Fit & Proper guidelines.
You cannot be a director of GMCU if you have been convicted of a disqualifying offence as set out in s20 of the Banking Act 1959. To check whether a person has been convicted of a disqualifying offence GMCU will conduct a criminal history check on all candidates with the Australian Federal Police, together with a bankruptcy check and register checks with Australian Prudential Regulation Authority (APRA) and Australian Securities and Investment Commission (ASIC).
Nominations and Consents must be lodged at a branch of the GMCU by 5.00 pm on Tuesday 21 October 2025.
Ballot
If a ballot is necessary to decide the election, the order in which the candidates appear on the ballot paper is to be determined by the returning officer. The ballot will be held at the Annual General Meeting.
Hayley Collins
Returning Officer
Keeping you and your money safe with one-time passwords
At GMCU, keeping your money safe is our top priority. As part of our ongoing commitment to your security, we’re introducing an important update to internet banking.
Starting 30 September 2025, you’ll be required to enter a one-time password (OTP) when logging into internet banking. This added layer of protection helps ensure that only you can access your account—even if someone else knows your password.
This added layer of security allows us to introduce a new feature: Self-Service Daily Limits.
How it works
The OTP will be sent to your mobile phone number via SMS, and you will need to enter it each time you log into Internet Banking.
What you need to do
If you have already set up OTP, there is nothing further you need to do. If you have not yet set this up and you have your mobile phone registered with us, you can:
Log into Internet Banking
Click on Settings
From the dropdown, select Setup Security Options and follow the prompts to set up OTP
If you do not set it up beforehand, we'll do it on your behalf on 30 September.
Don’t have a mobile number registered?
Our team is reaching out to members who don’t have a mobile number on file. If you haven’t heard from us or don’t have a mobile phone, please contact your local branch or call us on 1800 MY GMCU (1800 694 628). We’ll be happy to help you get set up.
Strong passwords matter
Your banking, social media, and email accounts contain sensitive information that forms your digital identity. Here are some tips to help keep your information safe online:
Never share your password or store it on your device or browser
Use a reputable password manager
Always access internet banking via the official GMCU website
Avoid using public Wi-Fi for banking or shopping
Look for the secure padlock icon in your browser
Use strong, unique passwords that aren’t easy to guess
Avoid using personal details like your address or birthday in passwords
We’re here to help
Online banking, shopping, and communication have become second nature—but that familiarity can sometimes lead to oversights. If you have any concerns about your account, card, or online banking security, please reach out to us. You can also visit our Security page for more information.
📞 Call us on 1800 MY GMCU (1800 694 628)🏢 Visit your local branch
Frequently Asked Questions
What is changing with GMCU Internet Banking security?Starting 30 September 2025, you’ll need to enter a One-Time Password (OTP) sent via SMS to your mobile phone each time you log into Internet Banking. This added layer of security helps protect your account from unauthorised access.
How do I set up OTP for Internet Banking?If you haven’t set up OTP yet, follow these steps:
Log into Internet Banking
Click on Settings
Select Setup Security Options from the dropdown
Follow the prompts to register your mobile number
If you need assistance, please contact your local GMCU branch.
What are Self-Service Daily Limits?From 30 September 2025, you can manage your own daily transfer limits directly within Internet Banking:
Up to $5,000 for Standard and BPAY payments
Up to $5,000 for OSKO payments
You’re in control:
Need less? Set your limit to exactly what you need - for example, $2,000 - and reduce it again after your transfer.
Need more than $5,000? Visit a branch or call us for assistance.
Want to reduce risk? You can even set your limit to $0.
Already have a permanent limit? It will remain unchanged unless you contact us.
Using the Mobile Banking App? Limit changes aren’t available just yet - but they’re coming
You can login to Internet Banking at any time to change your limits. Simply select ‘Settings’ and then Daily Transaction Limits.
What if I haven’t registered a mobile number with GMCU?Our team is contacting members who don’t have a mobile number registered. If you haven’t heard from us, please reach out to your local branch so we can help you set up OTP.
How can I keep my online banking and personal information safe?Here are some important tips:
Never share or store your password on your device or browser
Use a trusted password manager
Only access Internet Banking via the official GMCU website
Avoid using public Wi-Fi for banking or shopping
Look for the secure padlock icon in your browser
Use strong, unique passwords that aren’t easy to guess
What should I do if I’m concerned about my account security?If you suspect any issues with your account, card, or online banking credentials, contact GMCU immediately. We’re here to help. You can also visit our website for more tips on staying safe online.
How do One-Time Passwords (OTPs) help protect my account?OTPs provide an extra layer of protection through two-factor authentication (2FA). Even if someone knows your password, they can’t access your account without the unique code sent to your mobile number. Because OTPs are:
Time-sensitive (expire quickly)
Single-use
Sent only to your registered mobile number
…they make it much harder for fraudsters to gain access to your account, helping to keep your money and personal information safe.
As fast, secure and more modern payment options are available in Australia, the more Australians are choosing alternative payment options to cheques.
Because of this, and significant improvements in digital payments in recent times, we have made the decision to stop our cheque deposit services, from 21 June 2025.
Why remove cheques?
You may be aware that the Australian Government has committed to phase all cheque usage out by 2030.
Our members are increasingly choosing digital options to send and receive money. And many banks have elected to phase out these services now as they can be costly, slow and sometimes risky to manage.
What you need to know
The last day to we can accept a cheque deposit will be 20 June 2025. After that, you will need to go back to the cheque drawer and ask them for alternative payment methods.
Our team are available to chat with you over the phone, or by appointment at a branch to talk through the alternative payment options that will suit your situation best.
Drop into the branch or call us on 1800 MY GMCU (1800 694 628) for more information.
Frequently Asked Questions
