SMS One-Time Passwords (OTP)

What is an SMS One-Time Password?
An SMS One-Time Password (OTP) is a unique, time-sensitive passcode sent to your registered mobile phone. It acts as a vital second layer of security after you enter your standard password into our Internet Banking platform.
To ensure the highest level of account security, SMS OTP is mandatory for all CWCU Internet Banking users [CWCU].
⚠️ Crucial Security Reminder: Central West Credit Union will never ask for your passwords. NEVER share your standard password or your SMS One-Time Password with anyone.


Frequently Asked Questions
  • Do I need to have SMS One-Time Password?
    Yes. Registration is mandatory for all CWCU Internet Banking users to protect against unauthorized account access [CWCU].
  • How long does an SMS One-Time Password last?
    Your SMS OTP will automatically expire 4 minutes after it is generated.
  • Why am I not receiving my SMS One-Time Password?
    If your code isn't arriving, it is usually due to one of the following reasons:
    • Incorrect Details: The SMS OTP is being sent to an outdated mobile number on your profile.
    • Signal Issues: You are currently in an area with poor mobile network reception.
    • Blocked Number: You have accidentally blocked our automated SMS number (+61 428 007 219).
    • Not Registered: Your account may not be fully set up for OTP. If you suspect this is the case, please contact us immediately to register.

🚨 Unsolicited Code Warning

I received an SMS OTP but didn't try to log in. What do I do?
If you receive an SMS OTP that you did not prompt, do not share the code with anyone. This could indicate that someone else is attempting to access your account. Please contact your closest branch as soon as possible so we can secure your online profile immediately.