A guide to Internet Banking

Transcription

1 A guide to Internet Banking 1

2 Contents Getting Started Register for Internet Banking 3 Log in to Internet Banking 4 Using Internet Banking for the First Time 5 Setting up your Internet Banking Password 6 Resetting your Internet Banking Password 7 Navigating Internet Banking 8 Accounts Account Balances 9 Page Functions 9 Account Display 10 Transaction History 12 Payments Received 14 Interest Details 15 estatements 16 Transfer/Pay Transferring Funds 17 Transferring funds between your accounts 17 Transferring funds to another member 18 External Funds Transfer 20 Using BPAY 22 Using BPAY View 22 Transferring Money Overseas 24 Scheduling future payments 27 Services Sending and Receiving Secure Messages 29 Activating a Card 32 Notifying Beyond Bank of a lost or stolen card 32 Setting up transaction notifications 32 Managing estatements 34 Setting up SMS alerts 35 Apply Create an account 36 Apply for a loan 36 Check the status of a current loan application 37 Security Second Tier Authentication 38 Register Secure SMS 38 Register your VIP Access app or Factor Two Token 40 Using Secure SMS 42 Using VIP Access and Factor Two Token 42 Managing Secure SMS 43 Security FAQs 43 Settings Updating your contact details 45 Updating your address 46 Updating Employment Details 47 Proactively changing your Internet Banking Password 48 Changing your Internet Banking transfer limits 49 Miscellaneous Settings 50 View SMS History 31 2

3 Register for Internet Banking You can register for Internet Banking when creating your membership with Beyond Bank, whether that s in a branch or online. A staff member in a branch will be able to register you for Internet Banking at any time during business hours. If you are unable to get to a branch, you can call the Member Contact Centre on and quote your telephone access passcode to register. Once you have registered, you can navigate directly to Internet Banking by typing online.beyonbank.com.au into your browser address bar, or by clicking the link to Internet Banking on the Beyond Bank Australia home page at 3

4 Getting Started Log in 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 Beyond Bank logo in the top-left corner or the Visit Website link under the login fields. You can also view our latest news on the logon page, which will alert you to any outages and other important news about Internet Banking. 4

5 Getting Started 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, a video guided tour and an opportunity to download out 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 secondary 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 managing your estatements. 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. 5

6 Getting Started Setting up your Internet Banking Password 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 6 characters in length Maximum of 32 characters in length May contain a combination of letters, numbers and special characters May contain uppercase and lowercase letters Cannot contain the following characters: < > Once the password has been changed, you will receive a confirmation message. Select Continue to navigate to the Welcome Screen: 6

7 Getting Started Resetting your Internet Banking Password If you have forgotten your password for Internet Banking, there are a number of options available to reset it. The easiest way is to click the link below the login section, after navigating to Internet Banking. This process will send you a temporary password to your mobile number via SMS. Clicking this link will prompt you to enter your member number and the characters that you can see in the picture, to prove your identity. Click Next to be taken to a confirmation screen. 7

8 Getting Started Clicking the Reset button on this page will send you a text message with a temporary password. You will need to log in with your temporary password and will be prompted to change it when you do. You can also call the Member Contact Centre on and quote your Telephone Access Passcode or head into a branch with identification and request that a Member Service Consultant resets your Internet Banking Password for you. Navigating Internet Banking The navigation menu is expandable, if you click any of the options (Accounts, Transfer/Pay, etc.) another menu will present itself below the original: Each one of the options is covered individually in this User Guide. 8

9 Accounts Account Balances This will be the first screen you see each time you log in. There is a lot of information on the page so we will cover page functions and account display individually. Page Functions 1. The Logout button, this is where the button is located on every page. 2. Your name and member number. 3. The top navigation panel, where you can navigate to any section within Internet Banking. 4. The Re-Order Accounts button. Click this to change the order of your accounts in Internet Banking. 5. Internet Banking Snapshot, showing today s date and the date you logged in last and the BSB number. It will also display the last funds transfer you performed via Internet Banking, and let you know whether you have any new Secure Messages. 9

10 Accounts Account Display 1. Your account titles and numbers are displayed on the left. If you have renamed your account, the nominated name will be visible in this section (e.g. Bills). If not, you will see the default account name (e.g. Access Savings Account). Clicking on the account name will take you directly to the transactions for that account. 2. This is your available balance (in larger font) and your current balance (in smaller font). Notice in the example above, the current balance is higher than the balance that is available to spend. This means that there are one or more credit transactions on hold. When you purchase an item using credit on your card, the transaction is initiated; however it still needs to be completed by the organisation that you made the purchase with for the funds to be taken from your account. 3. This is the ellipsis button. This will expand the corresponding account to provide more information and options specific to that account (see page 10 for more information). 4. This is another example of a difference between the available balance and the current balance, but in this instance the current balance is higher. This means that funds are waiting to clear before they are available in your account. You will see a higher current balance if you have deposited a cheque and are waiting for it to clear (cheques generally take 5 business days to clear). 10

11 Accounts By clicking the ellipsis you will firstly see shortcuts to all of the options available to you to transfer money: Transfer: Pay Member: Pay Anyone: BPAY: Transfer money between your accounts Pay another member of Beyond Bank Pay a customer of another financial institution Perform a BPAY transaction using a biller code and customer reference number Below these options, you will be able to see all of the account owners (in case you are looking at a joint account), any funds on hold (uncleared funds a cheque or credit transaction), whether you have the ability to overdraw your account (Credit Limit) and the Interest Earned and Interest Paid for the year to date. Your transactions will show the 10 most recent transactions that you performed. For more details, or to view more transactions than this, click on the account name or click the transaction history button in the navigation bar. 11

12 Accounts Transaction History See the screen shot below, and over the page a description of what happens when option 1, 2 or 3 is selected. By default the last 14 days of transactions are presented. To search for more transactions, click the Magnifying Glass (see below and overleaf for descriptions): 1. Clicking the Magnifying Glass allows you to set additional search parameters for the transaction listing: 12

13 Accounts 1. Click the down arrow to see a list of all of your accounts, and select which one you would like to see the transaction history for next. 2. Uncleared Funds will show any Visa transactions that are yet to be completed. Your available balance (in large white text) will equal your current balance (below it) minus any uncleared funds. 13

14 Accounts Payments Received This screen displays all of the payments that have been received to any of your accounts. The organisation that sent the funds will be in the first row of each entry, along with the date. Below will be a list of accounts that the funds were transferred into, and a total, in case there is more than one destination. 14

15 Accounts Interest Details On this page you can see all of your accounts interest details for this financial year, as well as the last financial year. You are also able to view the amount of tax that has been withheld, which will occur if you did not provide us with your TFN when you joined. This information may be useful when completing your tax return. 15

16 Accounts estatements This section is used to view all of the estatements that you have received in the past 7 years. You are able to search for a particular statement by date, account, or statement number. Alternatively you can simply click Search and all of your statements will be displayed. As well as your statement, you are also able to view any inserts that have been sent with your statement (e.g. updated product guides, etc.). 16

17 Transfer/Pay Transferring Funds Transferring funds is fast and easy with Internet Banking, where you have the option to transfer to another account that you hold with Beyond Bank, another member of Beyond Bank or anyone who is a customer of another financial institution. Transferring funds between your accounts The Transfer Screen allows you to transfer funds from one account that you hold with Beyond Bank to another. Simply use the drop down arrows on the right of the account title in the purple bars to see a list of accounts and select the account you would like to transfer from and to. A reference can be manually entered so you can easily identify the transaction on your statement. Enter the amount you would like to transfer in dollars and cents format (e.g ), then click Pay Now to review and submit the transaction. 17

18 Transfer/Pay Clicking the button will provide some extra options: From here you can set up future payments. Select the date for which you would like the first transaction to occur, the frequency of transactions thereafter, and then select either the number of transactions you would like to make or ONGOING if you would like the transactions to continue indefinitely. You can review and modify future payments in the Scheduled Payments screen. This process is outlined under Scheduling Future Payments, on page 28. Transferring funds to another member To transfer funds to another member of Beyond Bank you will need The recipient s account number The recipient s surname - For Smith, enter smi - For O Brien, enter o b - For Mc Bride, enter mc*space* Please note: the account number is different to the member number. A member number belongs to a member, who may have a number of accounts, all of which have their own account number. 18

19 Transfer/Pay You are also able to enter an address so the recipient receives a confirmation , letting them know that the funds are on their way. By selecting the Update Favourites checkbox, you will save the payee details so that if you need to make a payment to this member in future without having to re-enter all of their details 19

20 Transfer/Pay External Funds Transfer To transfer funds to a customer of another financial institution, you will need The recipient bank s BSB number The recipient s account number The recipient s account title (the name of the person or business you are transferring to) You can also enter the following optional details A description something that you will see on your statement so you can easily recall what the transfer was for A reference information that the recipient will see on their statement after they receive the payment An address so the recipient receives a confirmation , letting them know that the funds are on their way. Remember, all transfers between different financial institutions take between business hours. Make sure you allow enough time for the funds to arrive when the recipient needs them. 20

21 Transfer/Pay Using BPAY To transfer funds using BPAY, you will need A Biller Code between 4-6 digits, which should be located on your bill. A Customer Reference Number also located on your bill, usually near the biller code. The number of digits varies from biller to biller. You can enter a description for the payment to refer to on your statement, and in the list of saved billers; otherwise the details of the payment will be visible. You can also select Schedule Payment on this screen to set up a recurring BPAY transfer, in much the same way as you would for a normal electronic funds transfer. 21

22 Transfer/Pay Using BPAY View BPAY View allows you to set up bill notification for participating billers. You can view a list of participating billers here (search for the organisation and look for Offers BPAY View). When a new bill is generated, you will receive an notification with all of the information you will need to then log in and make the payment. You can register for BPAY using Internet Banking. If you have not used the facility before, sign up by clicking the BPAY View button from the top navigation panel and entering your details. Once you have registered, you can enter a biller to begin receiving notifications via when a bill is due. 22

23 Transfer/Pay Once you have entered the Biller Code, enter the BPAY View Registration Number and Valuation Number. If you cannot see these numbers on your bill notice, contact the recipient organisation they will be able to point you on the right direction. Once you have added your billers, you will begin to receive notifications with the information you need to log in to Internet Banking and pay your bills via BPAY. 23

24 Transfer/Pay Transferring Money Overseas Beyond Bank provides you with the ability to transfer funds overseas via Telegraphic Transfer. To perform the transaction you will need Transfer amount and required currency Beneficiary name Beneficiary address (full street address is mandatory) Bank sort code/swift address/chips/routing number Beneficiary account number IBAN (this is mandatory for transfers sent to the United Kingdom or European Union) Bank name Full bank address (full street address is mandatory) Special instructions (if any) 24

25 Transfer/Pay Enter the details in the fields required and click Request Quote to navigate to a confirmation page. A quote will be provided based on the current exchange rates. This quote and the associated fee must be accepted within 45 seconds. To accept the quote and proceed, click Continue To Transfer. On the next page you will need to enter all of the details that have been provided to you by the recipient. The first section is Payment Details, and the only thing you need to enter is the purpose of the payment. This is required as some countries will not accept a Telegraphic Transfer unless the purpose has been disclosed. 25

26 Transfer/Pay Next, fill in the beneficiary (the person receiving the payment) details. These should all be provided to you by the beneficiary. Finally enter the recipient bank details. These should also all be provided by the beneficiary. When you have entered all of the required details, click Submit to confirm the details and send the transfer. Please note: an International Transfer will take approximately 4 5 business days to be received. 26

27 Transfer/Pay Scheduling future payments You can review or modify your current scheduled payments under the Scheduled Payments screen. 27

28 Transfer/Pay To see more information, or make a change to a current payment, click on the ellipsis ( ) on the right. A list of options will drop down and you can make changes as required. 28

29 Services Sending and Receiving Secure Messages The Secure Mailbox provides a secure way for you to contact Beyond Bank. As you have identified yourself by logging into Internet Banking and completing second tier authentication, we can offer a wide range of assistance using this service. We may also send important, private information via Secure Messages, generally accompanied with a notification via or a phone call to let you know that you need to log in and check your messages. Initially you will see all of your messages in a list. Click and individual message Subject to view the message itself. 29

30 Services If you would like to send a message to our Contact Centre, click Compose on the Message Inbox screen. This will take you to a screen that will allow you to enter all of the details of your enquiry. Once you have entered all of the information you can, click Send. A response will be in your Secure Message inbox within 24 business hours. 30

31 Services View SMS History If you would like to view text messages that you have been sent by Beyond Bank in the past, click SMS History in the top navigation panel. This will take you to a screen that shows a brief description of all past text messages. For more information about the body of each text message, you can call the Member Contact Centre on

32 Services Activating a Card If you have received a card that you have ordered in the post, you can activate it under the Activate Card screen. Simply enter all of the card details in the fields provided, and click Activate Card. Your card will be active approximately 10 minutes after completing this process. Notifying Beyond Bank of a lost or stolen card If your card has been lost or stolen, click Update Card Details to let us know. Once you click Submit, the card will immediately be closed. You can order a new card by sending a Secure Message, by calling the Member Contact Centre on or by visiting a branch. Please note: Once a card is reported lost or stolen, it cannot be reinstated and a new card will be r equired to be issued (this may incur a fee). 32

33 Services Setting up transaction notifications You can set up notifications to let you know via when a transaction has occurred. Simply tic the box for the type of transaction that you would like to receive notifications for, and then click Save. You can log in at any time to update your preferences. 33

34 Services Managing estatements This page allows you to update your update your preferred address or deregister for estatements. Simply change the details as required and click Submit My Request. 34

35 Services Setting up SMS alerts You can set up alerts to be sent as a text to your mobile phone when certain transactions occur on your account, or when your account balance increase above, or decreases below a certain amount. Click Create Alert, then click either GLOBAL, ACCOUNT or CARD and follow the prompts to set up the alerts that you would like to receive. Alerts that are already set up are also clearly displayed on this screen. 35

36 Apply Create an account You can open a new account via Internet Banking. Simply click the Accounts button under Apply in the top navigation panel, and then follow the prompts to select and create the account that you would like to open. You can call the Member Contact Centre on if you need help deciding which account best suits your needs. Apply for a loan You can also apply for a loan via Internet Banking under Loans and Credit Cards. Similar to creating an account, just click the link and follow the prompts. Once you have submitted an application a Member Relationship Consultant will be in touch within 24 business hours. 36

37 Apply Check the status of a current loan application If you have applied for a loan and are waiting on an answer, you can check the status of the application by clicking Loan Status. On this screen you will see all of your current loan applications and one of the following descriptions. 37

38 Security Second Tier Authentication To provide an additional layer of security, Beyond Bank requires that some higher risk transactions use second tier authentication to authorise the transaction. This applies when performing sensitive functions, or sending funds to a destination that you have not sent to before. This minimises the risk of any unwanted transfers or other fraudulent activity on your account. The three options available are Secure SMS, VIP Access (available via the App Store or the Google Play Store), and Factor Two Token (a handheld device that generates a new code each time you need one). For the most secure and convenient option, we recommend the VIP Access app. The app is free to download, and you keep the app in your phone so it is one less device you need to worry about losing. You only need to authenticate yourself with a second tier option once per session. Register Secure SMS When you log in to Internet Banking for the first time, you will be prompted to register for Secure SMS. This is the default second tier authentication method so you will need to register for this in order to register your VIP Access app or Factor Two Token. Once you have reviewed all of the information on the first page, select the number to which you would like to receive the registration text message and click Register. Click Request SMS Code. You will be shown a window confirming that the message has been sent. 38

39 Security You will then receive a text message with a code in it. Enter the code into the field below and click Continue Registration. You will then be taken to a confirmation screen to let you know that you have successfully registered. 39

40 Security Register your VIP Access app or Factor Two Token Once you have registered Secure SMS, you can then register your VIP Access App or Factor Two Token, if you have chosen one of these alternatives. Whether you want to register VIP Access or the Factor Two Token, click Register Token. The free VIP smartphone app is able to be downloaded from the Apple Store or Google Play Store. To download the VIP smartphone app, visit the relevant store for your device and search VIP Access. Request and enter the Secure SMS as usual, when prompted, to be taken to the next registration page. You will need to have access to the VIP Access app on your smartphone, or have your Factor Two Token ready before registering. The Credential ID is on the back of the Factor Two Token, or visible when you open the VIP Access app: VIP Access app: Credential ID is in blue on the front screen. 40

41 Security Factor Two Token: Credential ID is called Serial Number (S/N), and is located on the back of the token. Once you have entered the Credential ID, you will need to enter two consecutive security codes. Enter the first one, wait for it to expire then enter the second one. Then tic the box that confirms your acknowledgement of the terms and conditions and click Register. 41

42 Security Using Secure SMS Once you have registered for Secure SMS, you will be prompted to request an SMS whenever you need to perform any secure tasks in Internet Banking. When prompted, simply click Request SMS Code. A six digit SMS code is then sent to your mobile or landline. Enter the code that you receive then click Validate to continue. The code must be entered within 5 minutes. If you require the SMS to be sent again, click Resend Code. Using VIP Access and Factor Two Token The logic of the app and the token is much the same as Secure SMS. The code supplied by the app is verified against our system to prove your identity. A code is generated in the VIP smartphone app every 60 seconds. When presented with the screen below, enter the current code shown in the app. 42

43 Security Managing Secure SMS If you would like to update your Secure SMS details, or deregister for the service, you can do this under Secure SMS Management. Click the down arrows as prompted and select the action you would like to undertake. When you have finished, click Update Secure SMS. 43

44 Security Security FAQs On this page you will find all of the information you will need to keep your funds safe when using cards to access your money, making purchases online and browsing the Internet on your PC or mobile. There are also a number of useful links that you can follow for some more general information that will help you protect yourself. For security reasons, Internet Banking will automatically log out if you have been inactive for 10 minutes. 44

45 Settings Updating your contact details When your money is concerned, it is very important that we can contact you if necessary. If your phone number or address changes, you can update them quickly and easily on the Contact Details screen. Check in here every now and then to make sure we have all of the correct details, and if any need to be changed, just delete the expired details and enter the correct information. Once you have entered all of the correct information, click Save Details. 45

46 Settings Updating your address You can also update your address via Internet Banking on the Address Details screen. You will be shown your current and previous address and, similar to updating your phone number and address, you can simply type the correct address details into the fields provided. Click Save Details when you have entered all of the correct details. 46

47 Settings Updating Employment Details If your employment details change, you can update them under the Employment Details page. Click the fields you need to change and enter your current information. Remember to change both your current and previous employers as required. When you have entered all of the correct information, click Save Details at the bottom of the page. 47

48 Settings Proactively changing your Internet Banking Password To maintain your online security, we recommend periodically changing your online passwords. You can update your Internet Banking password on the Change Password screen. You will need to enter your current password, then enter and confirm the new password that you nominate. Passwords need to comply with the rules set out in the below screenshot. Try using uppercase and lowercase characters, as well as numbers and symbols to make your password as difficult for someone to guess as possible. Make sure it is something that is easy to remember, you should never write down your Internet Banking password anywhere that it can easily be seen. Notify us immediately if you suspect that your password has become known to, or used by, some else. More information in relation to password protection can be found on the Australian Government website 48

49 Settings Changing your Internet Banking transfer limits To protect your funds, we restrict the maximum amount payable each day via Internet Banking. We also provide the option to set lower daily transaction limits if you wish. These limits can be set on the Transaction Limits screen, and allow you to bring daily limits down to an amount as low as $0.00. Once you have set the limits that you want, click Update Limits to save the changes. Increasing the limits again requires additional identification, via the Member Contact Centre or a branch, so you can be sure that only you will be able to facilitate this in future. 49

50 Settings Miscellaneous Settings The Settings page allows you to change your preferred account, and opt out of marketing within Internet Banking. Follow the prompts as required and click Save when you are happy with the selection. 50

51 Getting in contact. Phone: Fax: (08) Post: GPO Box 1430 Adelaide SA Beyond Bank Australia is a trading name of Community CPS Australia Ltd ABN AFSL/Australian Credit Licence