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

Online Enrollment FAQs

What is required to set up my Online Banking and Mobile App?

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

Why is my current email address and mobile number important to this process?

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

Is there a difference between my member number and account number?

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.

Transfer FAQs

How to transfer between your own accounts?

Select “Between My Accounts”
Select “From” Account
Select “To” Account
Input the Amount you wish to Transfer
Include a Description if you wish
Select “Submit”

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

How to transfer Between your Account and other COB Member 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

How to transfer to other Local Banks?

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

How to Send Money by Email/SMS?

Select “Send Money by Email/SMS”
Select “From” Account
Select either the “Email” or “Phone Number” option
Input the person’s email address or phone number
Click on the magnifying glass icon
If the person’s email address is not found, input the person’s First Name and Last Name
Input the Amount you wish to Transfer
Include a Description if you wish
Select “Submit”

How do I transfer funds to pay my loan?

Click on the Loan account.
Click on “Make Payments”
Select the account you wish to Pay from.
Enter the amount.
Enter a description if you wish.
Click Submit.

What do I need to complete a transfer from another financial institution?

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

How to Pay a Bill?

Select “Pay Bill”
Select “Manage Payees”
Select “Enroll Payee”
Select Biller Name from the list provided
Select Continue
Input the “Reference No.” – Account Number
Input “Payee Nickname” – A nickname for the biller
Select “Submit”
After enrolling the payee, you will see the biller’s nickname listed under the “To” category
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

How do I do top ups to my phone?

Select “Top Up”
Select “Manage Payee”
Select “Add”
Input a “Nickname”
Input Mobile Number (2461234567)
Select “Mobile Carrier”
Select “Submit”
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

Can I do top ups to both Digicel and Flow phones?

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

Frequently Asked Questions

Online Enrollment FAQs

What is required to set up my Online Banking and Mobile App?

Why is my current email address and mobile number important to this process?

Is there a difference between my member number and account number?

Where do I find my member number?

Where do I find my account number?

Since I have all that I require to enroll, what do I do next?

What is a One Time Password (OTP)?

How will the OTP be sent to me?

Are the credentials the same for both the Online Banking and Mobile App?