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.
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 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.