Credit Union Internet Banking On Bank
A credit union (credit union) is a non-profit financial institution that promotes financial life among members by forming a union based on common ties (region, workplace, religion, occupation, etc.) by individuals or groups.
Although it is the same secondary financial sector, credit union time deposits and installment savings are popular financial products because their interest rates are higher than those of Saemaul Geumgo and Savings Bank.
In order to sign up for a credit union savings product, you can visit in person, but if you use the credit union mobile internet banking app, onbank, it is convenient to open a non-face-to-face account, deposit, and installment savings regardless of region. 신협 인터넷뱅킹
* Things to consider before opening a bank account at a credit union 좋은뉴스
– Even if you are not a member, you can open an account (union members are obliged to pay contributions, benefit from low taxation of savings products)
– If you wish to join a cooperative, pay your investment, and receive the benefits of low taxation on savings products (only 1.4% of the special tax for rural areas is taxed), you must open a deposit and withdrawal bankbook at a credit union (one of the qualifications for membership) near your residence or work area in advance and register as a union member. When you have a credit union product with a high interest rate after completing it, apply the benefits to the credit union to sign up for a savings product.
The reason for subscribing in advance is that, in accordance with the 20-day restriction on opening of multiple bank accounts, you have opened a deposit and withdrawal bankbook to sign up as a union member, but you cannot sign up if a product with a high interest rate is issued by another credit union before the 20th.
If you join a union at one branch, you can receive benefits at credit unions nationwide.
* Therefore, the order of signing up for the credit union’s high-interest deposit product with the highest benefit is (using on-bank),
Install the credit union application on-bank – Sign up – Open a deposit and withdrawal bankbook (near your residence or workplace) – Sign up as a union member – (20 days, from about 1 month including holidays) Members can sign up for deposit products at other credit unions with low tax rates.
On-bank installation
How to install Shinhyup On Bank,
Enter ‘Credit Bank’ in the Play Store or App Store of your smartphone – Select Credit Union ON Bank – Install (Credit Bank ON Bank icon appears on the desktop of your mobile phone)
Shinhyup on-bank installation
Shinhyup on-bank installation
How to sign up for Onbank
How to sign up after installing Onbank,
1. Run Shinhyup ON Bank on the desktop of your mobile phone – Confirm permission permission – Start On Bank
How to sign up for Credit Union On Bank
How to sign up for Credit Union On Bank
2. Mobile phone authentication (full consent, name, resident registration number, carrier, mobile phone number, verification number transmission, verification number, verification) – Identity verification (required consent, last digit of resident registration number, confirmation) – Membership registration (Shinhyeop ON/Onbank) Terms of Use, Email, Next)
How to sign up for Credit Union On Bank (identity verification)
How to sign up for Credit Union On Bank (identity verification)
3. Enter simple password (6 digits) – Add pattern No
How to sign up for Shinhyup On Bank (simple password)
How to sign up for Shinhyup On Bank (simple password)
Onbank registration is completed with the message ‘Congratulations on your membership registration’. Now it’s time to open a deposit and withdrawal account.
Opening an on-bank deposit and withdrawal account (opening a non-face-to-face account)
In order to sign up for a deposit product (term deposit, installment savings, etc.) with a credit union, you can basically open a deposit and withdrawal account first.
Since a bank account is opened separately for each branch, it is better to decide in advance which branch you want to join and follow the opening process.
Materials to prepare (ID card or driver’s license, other bank account number in your name)
How to open a deposit and withdrawal bankbook after installing onbank and signing up as a member,
1. Open a deposit and withdrawal account on the member sign-up congratulatory screen – Enter a simple password – Apply for independent deposit – Agree to terms and conditions (independent deposit product description, terms and conditions, agreement to union transaction, required consent, next) – Register customer identification system
Opened Shinhyup On-Bank Deposit and Withdrawal Account
Opened Shinhyup On-Bank Deposit and Withdrawal Account
If you have already clicked Login on the member sign-up congratulatory screen, proceed after selecting Product Mall at the bottom – Deposit and Withdrawal Bankbook – Independent Deposit (free deposit and withdrawal deposits are also simple).
2. Enter information (I understand the information above, home address, mobile phone number, next) – Additional confirmation information (classification of job, job type/type of industry,….transaction purpose, source of transaction funds, actual owner status, next) – Neighboring credit unions Search (home, work, near my location, direct entry) – Bank pass number, financial consumer classification, move to the bottom.
Shinhyup On Bank non-face-to-face account opening
Shinhyup On Bank non-face-to-face account opening
Additional confirmation information must be entered in all fields.
Depending on the job classification (employee, sole proprietor, unemployed), the form of the screen is slightly different.
Enter your home and work addresses accurately as they may be related when you sign up as a union member.
Accurately state the purpose of the transaction (eg savings and investment) and source of funds for the transaction (eg labor and pension income).
Search for a credit union to open a deposit and withdrawal bankbook in Find Neighboring Credit Union. Only credit unions that have opened deposit and withdrawal accounts can open savings accounts, such as time deposits.
Financial consumers are classified as professional financial consumers (adults, corporations, organizations, national government agencies, financial institutions) and general financial consumers (minors, seniors over 65 years old, adult guardians, limited guardians, others).
3. Go to the bottom and check the purpose of financial transaction (use of account, no, no, mailing address, I understand the above instructions, next) – Prepare your ID card and take a picture – Check your ID information and then click Next
Join Shinhyup ON Bank
Join Shinhyup ON Bank
Place the ID card against a dark background and take care not to reflect light.
Recognized ID information may be different, so click ‘Next’ after confirming the recognized name, social security number, and date of issuance.
4. Other bank account authentication (select bank, account number, next) – Connect to another bank under your name and check the 4-digit number 0000 of the name of the depositor credit union_0000, then return and fill in the authentication number input field, next – Independent deposit has been opened , account inquiry
Shinhyup ON Bank Independent Deposit Opened
Shinhyup ON Bank Independent Deposit Opened
You can check the opened credit union name and account number.
As a result, the opening of a deposit and withdrawal account (independent deposit account) using Shinhyup Onbank was completed. Now open (optional) a member account to get low tax benefits and sign up for a high interest rate deposit (see below)
* Precautions when opening an additional deposit and withdrawal bankbook in another credit union
– Because each branch of the credit union is operated independently, the opened deposit and withdrawal bankbook can only be used at that branch.
Therefore, if you want to use another credit union, you must open a bank account for that branch again.
– If you want to open an additional deposit and withdrawal bankbook in another credit union while you have a deposit and withdrawal bankbook in Onbank, most try to find a menu that escapes from the current screen (subscribed credit union).
However, since all branches use the same menu for opening a deposit and withdrawal bankbook, regardless of the current screen status (subscribed credit union), select Product Mall – Deposit and Withdrawal Bankbook at the bottom to open an additional account.
If you select a branch you want in the process of finding a credit union during opening, it is opened as a deposit and withdrawal bankbook for that branch.
– If there is a history of opening a deposit and withdrawal passbook within the last 20 days, it is subject to opening restrictions, and it is possible to open a deposit and withdrawal account at another branch only after the 20th day (limited to opening multiple accounts for 20 days)
If you absolutely need a deposit and withdrawal account at another branch for reasons such as high interest rates, one way is to close the deposit and withdrawal bankbook opened within the last 20 days.
At the same time as the cancellation, the 20-day limit on opening multiple accounts is also lifted. Select Account Number to Close – Account Management – Account Closing
* If you have opened a bank account for deposit and withdrawal, you can sign up for deposit right away.
If you have opened a deposit account at a credit union near your residential address or work address, it is recommended that you sign up as a member before making a deposit and then sign up for a deposit with a low tax rate.
Sign up for on-bank term deposits, installment savings, and other savings products
If you have opened a deposit and withdrawal account, you can sign up for the savings product of the credit union.
How to sign up for a savings product after installing, joining, and opening a bank account for on-banking,
Product Mall at the bottom – Select a savings product to open – The subsequent process is the same as the screen for opening a bankbook.
Sign up for credit union on-bank term deposit
Sign up for credit union on-bank term deposit
* Precautions when subscribing to savings products
– When you enter the product mall, only the products of the credit union branch you joined appear as financial products. Therefore, the product name and interest rate of the product mall look different for each credit union branch.
– If you want to subscribe to a deposit account in another credit union, you must open a deposit and withdrawal bankbook in that credit union again (see the above * Precautions for opening additional deposit and withdrawal bankbooks in other credit unions)
– In order to receive the benefits of low taxation on savings products, you must first become a member and then join the savings products.