Get ready for smarter banking

Your banking is about to get smarter and even more secure with our planned updates to the Community First Mobile App and Internet Banking.

A new way to connect with us

We know it’s not always convenient to call or visit us. Soon you’ll be able to message us via Internet Banking or our app. We’ll connect you with a banking specialist to get the help you need. It’s like messaging a friend, and you can message back when it suits you

One time password – a new layer of security

Keeping you and your money secure is always a top priority. That’s why we’re introducing another security feature - the SMS one time password. You may be familiar with this feature from other sites you login to.

When complete a number of actions like updating your contact details or sending money to someone you haven’t paid before, you’ll be sent a once-only, random password (the ‘One Time Password’) to your mobile phone which you’ll be prompted to enter.

This provides an added layer of security so that in the unlikely event your mobile app or Internet Banking access was compromised, only you would have access to the one time password to authorise a login, change or movement of funds to a new payee.

You must have your mobile number updated with us to ensure you can use this feature

As this feature provides heightened security for your banking, the feature will be mandatory for all accounts. You cannot share mobile numbers or login details with someone – you must have your own.

You can update your mobile number by: 

- Updating your contact details via Internet Banking or the Mobile App
- By calling our contact centre on 1300 13 22 77
- Visiting your nearest store

To further enhance your security, we are also changing the pin pad password and providing you the ability to have a password that’s unique to you.

Without a mobile number you will not be able to access our Internet Banking services or mobile app.

‘How I spend’ – a leg up for your budget

With so many recurring bills and expenses, it can be hard to get an overall view of where your money's going to make informed decisions and help your budget. ‘How I spend’ is an exciting new feature coming soon to the Community First mobile app that will help you categorise and track what you spend your money on, in an easy to view way.

When you make an eligible transaction, it’ll be sorted as ‘Mortgage’, ‘Groceries’, ‘Transport’ and more. If you notice a transaction category is wrong, you can simply change it to another one. Plus, you’ll be able to rank your categories to see what’s costing you the most.

Get ready

We’ll be in touch again when these changes are ready to launch. This is only part of a suite of functionality changes we are rolling out over the next 12 months and we will keep you updated of some further major upgrades soon! In the meantime, reach out to us if you have any questions about the changes.


Community First Credit Union LimitedABN 80 087 649 938 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170