What should I do if my personal information has been compromised?

Our award-winning Internet Banking system is packed full of an ever-expanding suite of innovative features!

Below is a list of all the features that we offer with the link to Internet Banking, and a video that you can view for a demonstration.

• Open an account
• Mark card lost / stolen
• Order a new card
• Order a corporate cheque
• Update address
• Update employment details
• Record travel details
• Request to close an account
• Alter statement cycle
• Sign up for e-statements
• Reactivate a dormant account
• View and edit scheduled payments
• Rename accounts
• Request Allianz insurance policy changes
• Provide Term Deposit maturity instructions
• Increase transfer limits
• Card controls

Transfers

• BPAY
• Scheduled payments
• External transfers
• Access transaction listings
• Create a PayID

Beyond Finance Manager Tools

• Track your spending
• Access budgeting tools
• Set savings goals

Our award-winning internet banking service has unique features and offers you a secure transaction environment to do your banking online.

Watch the short videos below to familiarise with the features.

Accounts.

Transfer money, make payments, see your account balances, transaction history and e-statements and discover how Beyond Finance Manager can help you to reach your savings goals.

Payments.
Pay your bills using BPAY, schedule payments, make international transfers in a variety of currencies and set up SMS alerts to be on top of your transactions.

Card Management.

Activate your card or change your PIN anytime. Notify your travel plans and we will help you to keep your money safe during your trip.

When logging in for the first time, you may be automatically prompted to choose a new password. Remember not to choose a password that is the same as your member number, or that is sequential letters or numbers. To maintain security, your chosen password must comply with the below:

• Minimum of 8 characters in length
• Maximum of 16 characters in length
• Must contain letters and numbers
• You may use a combination of lower and upper case letters, numbers and symbols
• Do not include the following characters and/or spaces: < > /

Once the password has been changed, you will receive a confirmation message. Select Continue to navigate to the Welcome Screen:

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.

Go to internet banking. Enter your member number into the first field and the password that you have chosen into the second, and then click Login. If you are not sure of your member number, you can find it at the bottom of your card, under your name.

From this page, you can also navigate back to the home page of our website by clicking the Visit Website link under the login fields. You can also view our latest news on the login page, which will alert you to any outages and other important news about Internet Banking.

If you forgot your password, simply click on the link SMS Password Reset located under the Log In button on the internet banking page.

Osko® is the first service available on the Payments Platform (NPP) and is backed by BPAY Pty Ltd. It will make sending and receiving money faster by using a PayID. A PayID is an alternative way to address payments. You can use this instead of remembering or sharing your BSB and account number. A PayID can be a mobile number or email address, and for businesses can also be an ABN or Organisation ID.

NPP is the acronym for the Payments Platform which is owned and operated by NPP Australia Limited. NPP launched in 2017 Osko® service to make sending and receiving money faster by using a PayID.

PayID is an alternative way to address payments. You can use this instead of remembering or sharing your BSB and account number. A PayID can be a mobile number or email address, and for businesses can also be an ABN or Organisation ID.

You can only link one account to your mobile number.

 You also can have another account linked to an email address. 

The field Reference can be used to provide additional information about the payment if the payment description is different. For example:

Description: Motorbike tyres

Reference: Invoice number.

• Scams to gain your personal information - scammers will try anything to get hold of your personal details in a bid to make a fraudulent purchase or open a bank account in your name. Be particularly aware of ‘phishing’ scams which according to the Australian Competition and Consumer Commission (ACCC), is the most common scam type in Australia.¹ Phishing scams are attempts by scammers to trick you into handing over highly sensitive information such as bank account details, passwords and credit card numbers. They may do this in a number of ways, including asking you to ‘re-activate your account’ or pay for an outstanding bill that doesn’t exist.
  
  Other ways scammers might obtain your personal information is by hacking into your computer or mobile phone, or tricking you into installing software that allows the scammer to access your files and monitor your movements online.
   
• Dating and romance scams – dating and romance scammers create fake profiles on dating websites, apps or social media platforms using fake photos and identities. In this scenario, scammers typically try to enter into a relationship with you, pull at your heart strings before eventually asking you for money for something like medical bills, travel costs or a family crisis. These scammers are often overseas, pretending to work in the military or as an engineer for example.

• Online shopping scams – with more Aussies shopping online for goods and services, scammers have more opportunities to pose as genuine buyers and sellers on online shopping sites, online auctions and classified sites which are also becoming particularly common. According to Scamwatch, social media platforms have given rise to a new version of online shopping scams, where scammers use social platforms such as Facebook to set up online stores and attract buyers. These fake stores typically offer fake branded luxury clothing or jewellery at low prices, and then disappear once they’ve sufficiently profited from unsuspecting customers.

• Phone scams - phone scams are designed to trick you into thinking you’re communicating with someone from a well-known organisation, such as the Australian Tax Office (ATO) or Telstra. The end goal is to get hold of your personal information or payment details.
  
  Phone scammers often call to chase up ‘outstanding bills’ or they may even imitate someone from the ‘support desk’ in an attempt to get remote access to your computer. Technical support scams typically start with a caller claiming that your computer is infected with a virus, or there is a problem with your internet connection. Often, these scammers will use technical jargon to appear legitimate and intimidate you into following their instructions.

These scam types are just some of the scams you could come across online. Below are others to look out for:

• Unexpected money scams
• Prize and lottery scams
• Identity theft
• Job and employment scams
• Charity and medical scams
• Business scams

For more information about how to protect yourself from scammers, you can download the ACCC’s “The little black book of scams” or visit www.scamwatch.gov.au to stay up to date on the latest scam news and alerts.

Whilst every scammer might operate a little differently, there are a few warning signs to look out for whenever you’re doing anything online:

1. Scammers tend to approach you, and they will often use some sort of convincing story about why they are contacting you. They may contact you regularly and use high pressure sales tactics, computer or tax problems or use urgency to convince you to take their bait.
2. Scammers can play with your emotions, enlisting the thrill of a potential win, possibility of love, or fear of falling into arrears to trick you into taking action. They know just the right strings to pull.
3. Scammers often use professional and official-looking websites and shopping sites to convince you they are legitimate. They are also extremely savvy at faking the logo and branding of larger companies such as the ATO, Australia Post or PayPal. When you receive an email you’re not expecting, always question whether it’s real or fake.
4. Scammers may contact your mobile phone carrier and ‘port out’ your phone to a different carrier or SIM card. By doing this, they can take control of your mobile number and have security messages sent to your phone in an attempt to hijack your accounts. If your mobile phone stops working, or you receive advice from your provider that your number is being ported, this is a big warning sign.
5. Scammers typically ask for money, whether immediately or after months of grooming. For payment, scammers may direct you to their nearest post office, a wire transfer service or any number of other payment methods, including direct bank transfers, pre-loaded debit cards, gift cards or virtual currency such as Bitcoin. A request for payment via an unusual method is often a sign of a scam.
6. Scammers will often get your details incorrect. Be extremely cautious when you receive an email with your name misspelt.

For more information about what to look for in scams, you can download the ACCC’s “The little black book of scams” or visit www.scamwatch.gov.au to read up on the latest scam news and alerts.

Whilst there is no silver bullet, there are certainly steps you can take to protect yourself online. Below are some tips:

• Stay alert and remember that scams exist. Whenever you’re dealing with someone who has approached you online, always consider that it could be a scam. If in doubt, do some online research to find out more about them or the business they represent.

• Never send money or give your personal details to someone you have only met online, or don’t completely trust.

• Don’t accept contact requests on social media from people you don’t know and be careful how much personal information you share online. Scammers may use your personal information and photos to steal your identity or gather information about you, so their approach seems more familiar or genuine.

• Do not open suspicious texts, pop-up windows or emails. Be especially cautious when the sender has misspelt your name, asks for your banking details or promises you money. If it’s a company you already deal with, look up their contact information online and call them to check whether the message you received was legitimate.

• Be vigilant when shopping online. Always use shopping sites you know and trust. Be extremely wary of offers that seem ‘too good to be true’, because they probably are, and it’s safer to stay away.
   
• Protect your personal information. Shred utility bills or other documents that contain your personal details or pin numbers before throwing them away.
   

Choose strong passwords for your computers, mobile devices, and every online account. Get tips on setting a secure Internet Banking password here.