Below is a list of the most commonly asked questions from our members. Click on the question to view the answer.

Online Enrollment FAQs

  • Your mobile number (Must match what we have in our system)
  • Your email address (Must match what we have in our system)
  • Your Member Number
  • Your Shares Account Number

Passwords necessary to complete the enrollment process will be sent via email and text message to the email address and contact number provided.

Yes, there is. The member number is a unique number assigned to each member upon joining the Credit Union. Each account under your member profile has its own account number. For example, if you have a loan, it will have its own account number. This will be the case for each account.

Your member number can be accessed from physical statements and in-branch receipts. In the event you do not have access to these, you can contact us via PBX at 430-5900 or visit us in-branch.

Your account number can be accessed from physical statements and in-branch receipts. In the event you do not have access to these, you can contact us via PBX at 430-5900 or visit us in-branch.

Please follow the steps outlined below:

One-time passwords are a form of strong authentication, providing much better protection to online banking platforms, corporate networks, and other systems containing sensitive data.

The OTP will be sent to either the mobile number or email address registered with the COB Credit Union.

Yes. The Online ID and Password are the same for both platforms.

Transfer FAQs

  1. Select “Between My Accounts”
  2. Select “From” Account
  3. Select “To” Account
  4. Input the Amount you wish to Transfer
  5. Include a Description if you wish
  6. Select “Submit”

NB: Transfers can only be done to Shares and Deposits Accounts

    1. Select “Third Party at COB Credit Union”
    2. Select “Manage Payees” (Mobile app)
    3. Select “Enroll”
    4. Ensure you have the member’s Account Number
    5. Input the member’s Full Name, Nickname, and Account Number
    6. Select “Submit”
    7. After enrolling the member, you will see the person’s nickname listed under the “To” category
    8. To complete a transaction:
      1. Select “From” Account
      2. Select “To”
      3. Input the Amount you wish to Transfer
      4. Include a Description if you wish

    NB: Including a description helps you to recall the purpose of your transfer

    1. Select “Other Local Bank”
    2. Select “Manage Payees”
    3. Select “Enroll”
    4. Ensure you have the member’s Account Number and Bank (including branch)
    5. Input the member’s Full Name, Nickname, Account Number
    6. Select the “Bank” and “Currency”
    7. Select “Submit”
    8. After enrolling the member, you will see the person’s nickname listed under the “To” category
    9. To complete a transaction:
      1. Select “From” Account
      2. Select “To”
      3. Input the Amount you wish to Transfer
      4. Select from the ACH Purpose dropdown list
  1. Select “Send Money by Email/SMS”
  2. Select “From” Account
  3. Select either the “Email” or “Phone Number” option
  4. Input the person’s email address or phone number
  5. Click on the magnifying glass icon
  6. If the person’s email address is not found, input the person’s First Name and Last Name
  7. Input the Amount you wish to Transfer
  8. Include a Description if you wish
  9. Select “Submit”
  1. Click on the Loan account.
  2. Click on “Make Payments”
  3. Select the account you wish to Pay from.
  4. Enter the amount.
  5. Enter a description if you wish.
  6. Click Submit.

The Deposits Account Number and Shares Account Number are extremely important for your transfer to be successful. These numbers are visible in both the Mobile App and Online Banking platforms.

Bill Payment FAQs

  1. Select “Pay Bill”
  2. Select “Manage Payees”
  3. Select “Enroll Payee”
  4. Select Biller Name from the list provided
  5. Select Continue
  6. Input the “Reference No.” – Account Number
  7. Input “Payee Nickname” – A nickname for the biller
  8. Select “Submit”
  9. After enrolling the payee, you will see the biller’s nickname listed under the “To” category
  10. To complete a transaction:
    1. Select “Pay From” Account
    2. Select “Pay To”
    3. Input the Amount you wish to Pay if the generated balance is $0.00 or not the amount you wish to pay
    4. Include a Description if you wish

Top- up FAQs

  1. Select “Top Up”
  2. Select “Manage Payee”
  3. Select “Add”
  4. Input a “Nickname”
  5. Input Mobile Number (2461234567)
  6. Select “Mobile Carrier”
  7. Select “Submit”
  8. To perform a Top Up:
    1. Select “From” Account
    2. Select “Top up Number”
    3. Input the Recharge Amount you wish to top up with (The amount you want to do the top-up for)
    4. Include a Comment if you wish

Top Ups can only be facilitated to mobile devices with Flow contact numbers at this time.

General Interface FAQs

  1. Click on more at the bottom right corner (Mobile App).
  2. Click on options. For online banking simply click on the “Settings” Icon.
  3. Click on “Alert for Card Transactions.”
  4. Change the toggle to green.
  5. Completed.

NB. Alerts for transfers from your accounts are automatically sent to your email.

Support FAQs

You can call our contact centre at 430-5900 for any assistance during regular working hours.