Using Internet Banking for the first time
If you are logging in to Internet Banking for the first time you will see an initial welcome screen, including some instructions to help you get started and an opportunity to download the Internet Banking Terms and Conditions within the Product Guide.
To continue, you must accept the Terms and Conditions. Click Accept to continue to Internet Banking: To provide additional security, a second form of identification is necessary if you want to use all of the features of Internet Banking. These features include External Funds Transfers (EFTs) and sending Secure Messages to our team.
When performing one of these actions, Internet Banking requests a security code that is verified against a code entered. For more details, please see Second Tier Authentication section.
https://www.beyondbank.com.au/need-help/using-internet-banking-for-first-time