Internet banking guide Macquarie Bank Mortgage Solutions
Contents Welcome Accessing internet banking for the first time Home 3 Managing your profile 4 Managing your accounts 5 Transaction history 6 Statements 8 Account information 9 Payments 0 Funds transfer BPAY payment 4 Scheduled payments 6 Payees and billers 7 Messages Registered to BPAY Pty Limited ABN 69 079 37 58 The information contained in this guide has been prepared by Macquarie Bank Limited (MBL) (Australian Credit Licence 3750) ABN 46 008 583 54 and is to be used as a general guide only, and must not be copied, in whole or in part, or distributed to any other person without the prior written consent of MBL. The contents herein are valid as at the date specified only and to the extent permitted by law, MBL does not take any responsibility for errors or misstatements, negligent or otherwise, contained in this document, or for any consequences flowing from the distribution of this guide. The information may be based on assumptions or market conditions and may change without notice and must not be relied upon for any reason. This disclaimer applies to this entire document in whole or in part.
Internet banking guide of Welcome to Macquarie s internet banking guide our fast, simple and convenient banking guide that helps you stay in control. This booklet will help you to navigate our internet banking site and transact on your mortgage accounts. To get started, you will need your Macquarie Access Code (MAC) and password that was sent to you on settlement of your loan. If you do not have a MAC or cannot locate your password, please contact Client Services on 800 007 7 or email mortgages@macquarie.com
Internet banking guide of Accessing internet banking for the first time Shortly after the settlement of your loan you would have received your MAC and your password letter. Using this information, please follow the below instructions to log in and view your home loan account. 3 Go to the Macquarie website macquarie.com.au Select the Personal tab from the top of the page. Click the Login to Macquarie button located on the right-hand side of the page. 4 Enter your eight digit MAC and your temporary password and then select Login to Macquarie. 5 6 7 8 9 A message will appear advising you that your password has expired. Enter a password of your choice, ensuring that it contains at least six to eight characters including one numerical value and at least one upper case letter. Select continue. Before proceeding further, please ensure that you have read and agree to the Terms and Conditions of using this service. If you have any questions, please contact Client Services on 800 007 7. You will now be taken to the front page of Macquarie Online.
Internet banking guide 3 of Home The home page will list all of your Macquarie accounts, including a summary of key information such as your balance and available funds. Select the expansion button on the right-hand side of the account to view your last five transactions and additional quick links including: transfer funds pay a bill manage my account edit account nickname. Click on the drop down arrow to expand your account view. Each account is hyperlinked to take you to the Accounts tab to transact on your loan. Quick links for options to transfer funds, pay a bill, manage my account and create account nickname. If you would like to view more than your last five transactions, select the account you wish to view by clicking the hyperlink under your chosen account. 3
Internet banking guide 4 of Managing your profile Select My profile from the menu in the top right of the screen. Hyperlink to myprofile page. To edit an account nickname: Select the account you wish to nickname. Click the Change nickname button. In this screen you can: manage your calendar alerts edit your account nicknames. 3 Type in the name you wish to call your account and click save. Edit your account nickname. If there is already a name in the text box, delete the contents, add your new name and click save. 4
Internet banking guide 5 of Managing your accounts You can access the Accounts tab from the home page in two ways: through the Accounts tab on the top navigation pane; or from the Home page by clicking on the account hyperlink for the account you wish to view. Click to access your accounts. The Accounts page provides easy access to all of your account information by flicking between the tabs provided. These include: transaction history statements account information. Click to access the selected account directly. Your summary of account information is available at the top of the screen, including your minimum monthly repayment amount (where applicable). Additional quick links. Additional quick links. There are also additional quick links to the right of the tabs for extra functionality. These include: funds transfer BPAY payment scheduled payments payees and billers useful forms. Further information For further repayment information such as elected amounts or updates please contact Client Services on 800 007 7 or via email at mortgages@macquarie.com 5
Internet banking guide 6 of Transaction history You can view a complete listing of your recent transactions before your statement has been produced. 3 You can view your available transactions by clicking on the account hyperlink from the Home page, or selecting the Accounts tab and then the required account from the dropdown selector at the top of the Accounts page. The page should default to the Transaction history view. If not, select the Transaction history tab. You will be able to view up to months of transactions initially. This will build up to a maximum of 36 months over time. Under the Transaction history tab, complete the date filters for the time period you wish to review and click Update. To add an annotation to your transactions Click the pencil icon to the left of a transaction. In the update details window, select the required category and add further information or reference details as required. Select save and close to save changes and return to the transaction history page. Select the drop down arrow to change your account view. Select Transaction history tab. Select the dates you want to view. Make annotations to your transaction. You can filter by transaction type. Ability to export to an Excel file. 4 5 3 If you have more than one page of results you can go between pages by clicking the right facing arrow at the bottom of the page, or increase your results per page. You can also filter by transaction type and export to Excel.csv format. To print your transactions select the Print transaction report hyperlink. To reset your filters and start again, click on the Clear filters button. To remove an annotation from your transactions Click the pencil icon to the left of a transaction. In the update details window, select the clear all hyperlink. Select save and close to remove the narrative and return to the transaction history page. 6
Internet banking guide 7 of Statements You are able to view up to three years of statements online initially. This will increase up to a maximum of seven years over time. Note: You will need Adobe Acrobat Reader to launch the statement. 3 4 Once you have logged in, navigate to the Accounts page and ensure your required account has been selected in the dropdown. Navigate to the Statements tab and select the statement period(s) you wish to download. Click Download selected. You can change accounts any time you wish by clicking the drop down at the top of the page, and selecting another account. Up to six statements can be selected at one time. Multiple selected statements will be contained within one PDF document. Select a different account. Navigate to the statements tab. Select your statement period. Click to download your statement. 7
Internet banking guide 8 of Account information Your account information tab will display the full account details for your selected account. Once you have logged in, navigate to the Accounts page and ensure your required account has been selected in the drop down. This tab provides additional account details including: product details, loan limit or balance, repayment type and interest rate type interest rate and charges security details your contact details your nominated accounts list any related accounts any related parties (guarantors). Select account information. 8
Internet banking guide 9 of Payments The payments menu allows you to access the following functions: funds transfer BPAY payment scheduled payments payees and billers. You can access these options through the quick links on the Account page, or through the Payments tab menu at the top of the page. Click on Payments menu tab. or Select a different account. Quick links to funds transfer, BPAY payments, scheduled payments and to payees and billers for the selected account. Please note, these quick links will only provide payment information for the selected account. To change your account view, you can select a different account from the drop down menu. 9
Internet banking guide 0 of Funds transfer The easiest and most convenient way to access your funds is via internet banking. The daily limit for a funds transfer is $0,000 per day. If you wish to transfer an amount greater than $0,000, you will need to register the receiving account as a nominated account or request a manual redraw by contacting Client Services on 800 007 7. Once you have logged in, click on the Payments menu tab and select the Transfer funds drop down option. Or, you can expand the the drop down under your selected account and click the Transfer funds quick link under the account name. Select the Payments tab, then Funds Transfer out of the drop down menu. or Expand your account view. 3 4 Select the Transfer funds option under the Quick links menu. Quick links There are four quick link options: transfer funds pay a bill manage my account edit account nickname. 0
Internet banking guide of Select the account you wish to transfer from (if not already pre-filled). Select the account you wish to transfer from. Select from your Macquarie accounts, Nominated accounts or pre-saved payee list. Save new payee details to your Payee list for future use. 3 4 If you have a pre-saved payee or nominated account you wish to use, select the account in the To account list. This will pre-fill the payee details. If you wish to enter a new payee, complete the information in the payee details box. To save your new payee details to your payee list for future use, select the add to payee list tick box. 5 Enter the amount you wish to transfer and a transfer description (optional). This will appear on your statement. 6 You will need to select the timing of your transfer from the following options: immediate (will occur overnight or following business day) future dated (once only - for a later date) recurring (a regular scheduled transfer). 7 Please check the details you have entered are correct. Select Continue. Note: If your transaction is greater than $0,000, you can only transfer to a nominated bank account. Nominated accounts are marked as Nominated and listed in the To account list under the Nominated and My accounts heading.
Internet banking guide of 8 To authorise this transfer, please enter the password you used to login to Macquarie Online, then select Authorise. Enter your online password. You will receive confirmation that your transfer has been submitted successfully. To print this confirmation screen, use the print icon on the top right-hand side of the screen.
Internet banking guide 3 of BPAY payment Internet banking offers you the convenience of paying bills using BPAY. Once you have logged in, click on the Payments menu tab and select the BPAY payments drop down option. Or, you can expand the the drop down under your selected account and click the Pay a bill quick link under the account name. Select the Payments tab, then BPAY payments out of the drop down menu. Or Expand your account view. Select the Pay a bill option under the quick links menu. You can also view scheduled BPAY payments by selecting Scheduled payments from the Payments menu. Please note that BPAY payments can take up to three business days to be received by the biller. 3
Internet banking guide 4 of Select the account you wish to make a payment from. Select from pre-saved biller list. Save and add in new biller details. Select the account you wish to make a payment from (if not already pre-filled). If you have a pre-saved biller you wish to use, select the biller in the To biller list. This will pre-fill the biller details. 3 If you wish to enter a new biller, enter the information in the biller details box. To save your new biller details to your biller list for future use, select the add to biller list tick box. 4 Enter the amount you wish to pay and select the timing of your payment from the below options: immediate (will occur overnight or following business day) future dated (once only - for a later date) recurring (a regular scheduled transfer). 5 Select Continue. 6 7 8 Please check the details you have entered are correct. To authorise this payment, please enter your online password then select Authorise. You will receive confirmation that your payment has been submitted successfully. To print this confirmation screen, use the print icon on the top right-hand side of the screen. 4
Internet banking guide 5 of Scheduled payments This page lists all of your scheduled mortgage payments in the one place. Note: Immediate and processed payments will not appear in this list. 3 Once you have logged in, click on the Payments menu tab and select the Scheduled payments drop down option. To filter the scheduled payments list by account, select the From account. To filter by date, add in the payment date range you wish to view and click update. 4 To reset your search and view all unprocessed scheduled payments, click clear filters next to the date payment range. 5 You can change your account view at any time by changing the account under the From account. Select the account you wish to view. To filter by date, select your date range. Reset your search fields. Modify, view or delete the payment. Payment information document for payment cut-off and processing times. 6 7 View your scheduled payments by clicking on a payment row, or select the View option from the Actions button in the far right column. You can modify, view or delete scheduled payments using the Actions buttons in the far right column. Note: Modify and delete actions are only available until the cut-off times described in the Payment information document. A hyperlink to this document is provided at the bottom of your screen. For Funds transfers You can only modify the amount, description and date fields. These changes must be authorised prior to the cut-off time indicated. For BPAY payments You can only modify the amount and date fields. These changes must also be authorised prior to the cut-off time provided. 5
Internet banking guide 6 of Payees and billers This screen allows you to manage your saved payee and biller lists in the one place. Payee list Once you have logged in, click on the Payments menu tab and select the Payees and billers drop down option. The payee list contains all your saved payees for the selected account. It is not currently possible to share payees across accounts. Payees will need to be added separately for each account where required. Select the account you wish to view payees for. Add a new payee. Change or delete existing payees. Payees added in this list are restricted to a daily transfer limit of $0,000. If you wish to transfer an amount greater than $0,000, you will need to register the receiving account as a nominated account or request a manual redraw by contacting Client Services on 800 007 7. 6
Internet banking guide 7 of Adding a payee 3 To add a payee, select the account you wish to add a payee for in the From account dropdown. Select the Add payee button in the top right of the screen. Enter the account name, BSB and account number. Please check these details carefully before clicking Save. Add in the payee details. Click save when you are finished. Modifying a payee To modify a payee, select the Modify action button in the far right column. Change the details that you need to update and select Save. Note: modifying a payee will not impact any transfers or schedules previously saved with the original payee details. To amend saved schedules, you will need to go to the scheduled payments screen. 7
Internet banking guide 8 of Deleting a payee To delete a payee, select the Delete action button in the far right column. Check you have selected the correct payee, then click Delete. Note: deleting a payee will not impact any transfers or schedules previously saved with these payee details. To amend or delete saved schedules, go to the scheduled payments screen. Biller list 3 Once you have logged in, select the Payments tab and Payees and billers dropdown. Select the Biller list tab. The biller list contains your saved billers. These are shared across all your Macquarie Mortgage and Cash accounts. Add a new biller. Change or delete existing billers. Adding a biller 3. To Add a biller, select the Add biller button in the top right of the screen.. Enter the biller code, customer reference number and bill description. 3. Click Save. Note: it is not possible to save variable Customer Reference Numbers (CRN). The CRN field will display as Variable in the biller list for billers using variable CRN s. You will be notified by a message if you attempt to incorrectly save a CRN for these billers. 8
Internet banking guide 9 of Add in the biller details. Click save when you are finished. Modifying a biller To modify a biller, select the Modify button in the far right column. Change the details that you need to update and select Save. Note: that modifying a biller will not impact any payments or schedules previously saved with the original biller details. To amend saved schedules, go to the scheduled payments screen. Edit the details as required. Click save when you are finished. Deleting a biller To delete a biller, select the Delete button in the far right column. Check you have selected the correct biller, the click the Delete button. Note: deleting a biller will not impact any payments or schedules previously saved with these biller details. To amend or delete saved schedules, go to the scheduled payments screen. 9
Internet banking guide 0 of Messages You will receive a payment confirmation message in your Macquarie Online messages inbox every time you authorise a PayAnyone funds transfer or BPAY payment transaction. The Home tab will display a counter at the top indicating if you have any new messages in your inbox. To access the message inbox: Select the Messages menu tab OR Click on the Messages counter. View your messages inbox. Note: Messages will be automatically deleted after 4 days. For security reasons, payment confirmation messages cannot be deleted until after 4 hours. Messages deleted within 4 hours will remain displayed with a clock symbol until the 4 hour period has elapsed. Any unread messages appear with a closed envelope and read messages will appear with an open envelope. 0
For more information, please contact us on: Macquarie Bank Mortgage Solutions Phone 800 007 7 Fax 800 707 3 Email mortgages@macquarie.com Visit macquarie.com.au Except for Macquarie Bank Limited (MBL) (Australian Credit Licence (ACL) 3750) ABN 46 008 583 54, any Macquarie entity referred to in this document is not an authorised deposit taking Except institution for Macquarie for the purposes Bank of Limited the Banking (MBL) (Australian Act 959 (Cth). Credit That Licence entity s 3750) obligations ABN 46 do 008 not represent 583 54, deposits any Macquarie or other entity liabilities referred of MBL. to in this MBL document does not is guarantee not an authorised otherwise deposit provide taking assurance institution for respect the purposes of the obligations of the Banking of that Act entity, 959 unless (Cth). noted That otherwise. entity s obligations This disclaimer do not applies represent to this deposits entire or document other liabilities in whole of MBL. or in part. MBL does not guarantee or otherwise provide assurance in respect of the Document obligations Reference of that Number: entity, unless MBL/GC/0/ noted otherwise. This disclaimer applies to this entire document in whole or in part. BKL088 BKL0306 0/3 09/3