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Online Account Opening FAQs

 

What do I need to open an account with North Island Credit Union online?

There are several things you will need to refer to - and provide - during the account opening process:

You’ll be asked for your U.S. Social Security number and information from an unexpired government issued identification: a Driver's license, State ID, or U.S. Passport.

You will also need to provide personal information, including your date of birth, and former mailing address(es) if you haven’t lived at your current residence for less than two years.

If you are not a U.S. Citizen and do not have this information, you will not be able to open an account online. Please visit one of our branches for assistance.

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Is my online application secure?

North Island Credit Union uses encryption for online security. Encryption technology helps provide secure transmission of information along the Internet by encoding the transmitted data using a mathematical formula to scramble the data. Without a corresponding "decoder," the transmission would look like nonsense text and would be unusable.

Encryption technology can be used for a host of applications, including electronic commerce (sending credit card numbers for orders or transmitting account information), e-mail messages and sensitive documents.

Encryption is utilized with the transmission of data from one party to another. The sender encodes the data by scrambling it and then sends it on. The receiver must decode the data with the correct "decoder" in order to read and use it. The effectiveness (or level of security) for encryption is measured in terms of how long the key is - the longer the key, the longer it would take for someone without the correct "decoder" to break the code. The length of the key is measured in bits (e.g., 40-bit encryption, the level of encryption used with many ordinary browsers, versus 128-bit encryption, the level of encryption required to use this application).

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What information do I need to open a joint account?

You’ll need the same information that’s required when opening an individual account—but you’ll need it for both applicants. For details, see "What do I need to open an account with North Island Credit Union" above. Please note that each applicant will need to sign a signature card.

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Why is personal information required to open an account online?

Your application is processed subject to our ability to verify your identity. (For more information, see "What do I need to open an account with North Island Credit Union?" above.)

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Is a minimum deposit required to open an account online?

Yes. Please refer to our account selection page for product minimums.

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Can I change the information on my account application?

You have the option to edit your account information before submitting it to us, Simply click on the "Edit" button above the grouping of information you would like to change, and you will be permitted to change your input. You must complete this application in one session, as you will not be able to save and return at a later time.

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I wasn't able to open an account even though I was logged into online banking, why not?

Opening an account through online banking requires that you have an account where you are the primary owner. If you are a joint owner on all the accounts you hold with us, you can open an account using the new member application. Simply click here to Open an Account.

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