Mobile Banking

Pulse Mobile Banking is a new dedicated web-based service specific for use with smartphones and tablets including iPhones, iPads and Android devices.

Mobile Banking gives you secure access to your accounts 24 hours, 7 days a week, all from the convenience of your mobile device. This is a web-based application so there is no need to download apps from iTunes or Play Store.


To use Mobile Banking you must first be registered for Pulse Online Internet Banking.

If already registered, simply go to this link from your phone’s web browser and using your current Internet Banking login details you will be able to register your mobile device https://secure.mucu.com.au/smartphone/

If you are not registered for Pulse Online Internet Banking download a Services Activation Form or contact the Credit Union.

About Pulse Mobile Banking

Mobile Banking service allows easy and secure access from your mobile device to your Credit Union accounts, pay bills using BPAY® and transfer funds. Smart Banking is a free* service and allows you to manage your accounts at your convenience.

Mobile Banking at a glance

With Mobile Banking, you can:

  • View a snapshot of your current and available account balances
  • View account transaction history
  • View interest earned and charged on your savings and loan accounts.
  • Transfer money between your Pulse Credit Union accounts
  • Make BPay payments to billers from your Internet Banking saved favourites
  • Transfer money to other Pulse members from your Internet Banking saved favourites
  • Transfer money to other Financial Institutions from your Internet Banking saved favourites

Tip: save the Mobile Banking website to the Home Screen of your device.


Mobile Banking Security

You will be required to logon to your accounts the same way you do on a computer. When you submit information to us through Mobile Banking, your information and transactions are fully encrypted, protected and secured to industry standard 128-bit encryption.

Our security restrictions on Mobile Banking will only allow BPAY®/Transfer to current Billers/Payees as set up within your Internet Banking saved favorites lists.

Please refer to Account & Access Facility Conditions of Use for more information.

*Standard transactional fees apply. View our list of fees and charges

Pulse does not charge you a fee for using Mobile Banking. However, you must have a web-enabled mobile device to use Mobile Banking. Your telecommunication provider may charge for use of its web service. Check with your telecommunication provider for specific details on fees and charges.


More Information

FREQUENTLY ASKED QUESTIONS

Mobile Banking is an additional feature of Internet Banking offering a simplified version for internet enabled mobile devices. It gives you 24/7 access to your accounts wherever you can get access to the internet.

No, but you must be registered for Internet Banking before you can access Mobile Banking. If you’re not registered for Internet Banking, please contact us or download an application from our website www.pulsecredit.com.au

Type https://secure.mucu.com.au/smartphone/ into the browser on your mobile device.

The initial log in / registration requires you to enter your Membership Number and your Internet Banking passcode, choose a 4-digit PIN (personal identification number) and nominate a name for your smart phone. After this initial registration, you must use your PIN to log in.

Tip: save the Mobile Banking website to the Home Screen of your device.

There are no additional fees for using Mobile Banking. Transactions performed are charged as if they were performed in Pulse Online Internet Banking. However, standard mobile phone contract and mobile service charges will apply. If you use Mobile Banking overseas, roaming charges may apply. Check with your mobile phone service provider for specific details. If you are calling us from your mobile phone, standard call charges will also apply.

Simply click “Forgot PIN” at the Mobile Banking log in page and re-register using your Membership Number and Internet Banking Passcode.

If you can’t remember your Internet Banking Passcode you will need to contact the Credit Union so we can reset your Passcode for you.

Click on the icon at the top right hand side of the screen (4 horizontal lines) > Logout
Mobile Banking is a simplified version of Internet Banking. Not all Internet Banking facilities are available through Mobile Banking. For features such as loan redraw and setting up new BPay billers or external transfers you will still need to access Internet Banking.

With Mobile Banking, you can:

  • View a snapshot of your current and available account balances
  • Transfer money between your Pulse Credit Union accounts
  • Transfer money to other Pulse members from your Internet Banking saved favourites
  • Transfer money to other Financial Institutions from your Internet Banking saved favourites
  • Make BPay payments to billers from your Internet Banking saved favourites
  • View your transaction details
  • View interest earned and charged on your savings and loan accounts.
To delete or modify a recurring or future dated payment you will need to log into Internet Banking.
No. “2 to sign” accounts cannot be accessed by Mobile Banking; you will need to log into Internet Banking.
Cookies

Mobile Banking requires that your web browser accepts cookies (small text files located on your device, and used by web browsers to store and retrieve small amounts of data, enabling your device to interact with web applications). You may need to enable cookies.

  • iPhones and iPads running iOS6: Select Settings > Safari > Accept cookies > From visited
  • iPhones and iPads running iOS7: Select Settings > Safari > Block cookies > From third parties and advertisers
  • Android devices: Open Android Internet browser then Select Settings > Select Privacy and security > Accept cookies. This may vary on different versions of Android Operating System.
JavaScript

You may need to ensure JavaScript is turned on

  • For iPhone, iPod Touch and iPad: Do this in Settings > Safari > Advanced > JavaScript.
  • For Android: in your web browser: Menu > More > Settings > Enable JavaScript. This may vary on different versions of Android Operating System.
Privacy Settings

Browser Privacy settings may impact some iPhone 4S and iPhone 5 users’ ability to log on.

  • Open Safari
  • Click the Window/Tab (two overlapping squares) in the bottom right of the screen
  • In the bottom left corner, if “private” is in a white square, click to deactivate this
  • From the pop-up select either ‘close all’ or ‘keep all’ – it doesn’t matter
  • Log in to https://secure.mucu.com.au/smartphone/

You may also need to clear your cookies (See below “Can I access more than one membership on my mobile device?” for how to do this)

Yes, but you need to clear cookies between logins

  • For iPhone, iPod Touch and iPad: Settings > Safari > Clear Cookies and Data
  • For Android: in your web browser: Settings > Select Privacy and security > Accept cookies > Clear all cookie data. This may vary on different versions of Android Operating System.
Mobile Banking uses the same security and authentication as Internet Banking. However we do recommend you keep your mobile device in a secure and safe place at all times, set a device PIN or passcode, and ensure system upgrades are up to date.

Your account details are not stored on your device but for peace of mind you should contact the credit union to de-activate your device.

Additionally, you can de-activate your lost device by logging into Mobile Banking on a different device and go to Settings > Device Management and remove the lost/stolen device.

For security, your Mobile Banking session will close after 5 minutes of inactivity. To begin another Mobile Banking session, simply log in again.

Firstly, check if you can access any other web pages on your device e.g. www.google.com. If you are unable to load web pages then contact your mobile service provider.

If you can access other Internet sites but not Mobile Banking, check “Do I need any special settings on my device?” above.

Our aim is to ensure compatibility with the majority of popular devices used by members, but we cannot guarantee that it will be compatible with all devices and operating systems.
Yes. However, mobile roaming charges may apply. Contact your mobile service provider before accessing Mobile Banking from outside Australia.

Contact your mobile service phone provider if you have a:

  • problem with your mobile internet connection
  • technical query about your handset
  • question about your data costs or your mobile phone bill

Contact the Credit Union if you have a:

  • question about your accounts
  • question about Internet Banking or Mobile Banking.

More Questions? Please Contact Us DIRECTLY