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Internet BAnking Help
Our Internet Banking System takes full advantage of the security provided by your Web browser and our Web server. Your transactions are encrypted and authenticated as they travel over the Internet. Anyone trying to ‘listen in’ on your communications will not be able to decipher them, nor pretend that they are you. The Netscape browser displays a padlock in the lower status bar of its window. When you are browsing a website that is not secure, the padlock appears as unlocked. When the session is secure, the padlock appears as locked. This is what you will see while you are in Internet Banking. Similarly, the Internet Explorer browser displays a locked padlock in the lower status bar of its window, or to the right of the address bar with Internet Explorer 7, when you are browsing a website that is secure, such as our Internet Banking site. The padlock is not visible when the session is not secure. The information contained within our system is protected by firewalls, secure servers and 128-bit encryption. Only valid user messages are allowed to pass through the firewall and access our system via our secure servers. The user activities allowed via the Internet are strictly defined and controlled by the secure servers in place. In addition, your Internet Banking System account is protected by your user id (member number) and password. No one can use your account without knowing your member number and associated password. After verifying your member number and password upon entry, the Internet Banking System allows you to continue with your transaction safely and securely using the convenience of your web browser. Furthermore, we now offer additional security if you wish to carry out financial transactions that result in funds being transferred out of your accounts, or for maintenance of personal information. You will now be required to enter a ‘Factor Two’ Secure SMS passcode or token passcode when you perform any of the following transactions:
General points about using Internet Banking Our Internet Banking system is constantly interacting with you, allowing you to update your own account, and showing you the updated information immediately. Because of this we recommend you avoid the following activities when using our web site. These precautions only apply while you are using our Internet Banking System. Back Button Please don't use your browser's Back button after you have logged on as you may affect the security of the session. Resizing the Browser It's not a good idea to change the size of your browser window after you have logged on to Internet Banking. Some browsers will try to load the file again when you change their size. Double Clicking You do not have to double click on any buttons within the Internet Banking site. If you rapidly click more than once on a button, you may see a page that says your session is no longer active. Typically you can continue with your session by clicking one time on any button. Refreshing a Page You should not refresh any pages whilst logged onto Internet Banking. If you have just completed a transaction, it may cause the transaction to be duplicated. Description of Internet Banking Pages Welcome Page
The first page you see after logging on is called the Welcome Page, where you will be greeted with your name and member number and details of your last logon. On this page you will find information about using Internet Banking and some banner ads about our products and services. If you click on any of the links or banner ads from the Welcome Page, the resulting page will open as another page on your screen, which you simply close to return to your Internet Banking page. The Welcome Page also displays the various features available within the Internet Banking System at the top right of the page, which are Welcome Page, Service Options and Logout. Left Panel The menu on the left-hand side of the page provides all the functions of Internet Banking. These are:
To send a secure Message to us click on ‘Your Member Messages' or to change your Internet Banking Password, click on ‘Service Options’. Top Panel The options Welcome Page, Service Options, Your Member Messages and Logout remain at the top right of the page at all times. You can select any of these options at any time while logged on. Service Options This provides menu items on the left-hand side of the page for the following Internet Banking functions:
Take a Guided Tour If you would like to take a full tour of the features of Internet Banking before you use the service yourself, simply click Internet Banking Tour from the home page of our web site. Your internet banking Password How do I get an Internet Banking Password? To gain Internet Banking access you need to register with us to receive an 8 digit Password. If you have a Telephone Banking Passcode, you can call our Member Contact Centre (MCC) on 13 25 85 from anywhere in Australia or +61 8 8205 8888 for overseas callers. The MCC is open... The Password you will be issued with is a Default Password only. The first time you log into Internet Banking, you will be prompted to change the Default Password we have given you to a new, secret Password known only to you. If you fail to log into Internet Banking and change your default Password, the Internet Banking access will be automatically de-activated after 30 days. How do I change my IB Password? If you have forgotten your Internet Banking Password, then it will firstly need to be reset by us. You will need to call us or visit a Personal Financial Centre. If you simply wish to change your Internet Banking Password, you are able to do this online at the site. Simply log in to IB, click on the Service Options icon at the top right of the page and follow the prompts. How do I reset my forgotten IB Password? Just call us on 13 25 85 from anywhere in Australia or +61 8 8205 8888 for overseas callers. The Member Contact Centre is open... 8am to 8pm weekdays What if I forget my IB Password or Telephone Banking Passcode ? If you forget your IB Password or Telephone Banking Passcode, you need to contact us to have these reset. To reset your Telephone Banking Passcode we require a signed authority. Obtain the relevant form by phoning 13 25 85 from anywhere in Australia or by visiting your nearest Personal Financial Centre. To reset your IB Password, call our Member Contact Centre – you will need to quote your Member Number and Telephone Banking Passcode so we can confirm your identity - or visit your nearest Personal Financial Centre. How do I get started with Internet Banking?
Daily transaction limits A daily transaction limit of $50,000 applies for Internal Transfers. General and life members have a daily External Transfer limit of $5,000. The daily External Transfers limit for ‘Package’ members (pinnacle +plus) is $10,000 and for Business members it is $25,000. What is BPAY®? BPAY® is a bill payment system accessed through Internet Banking and the Account Information Line. BPAY® is a flexible and convenient bill payment service, which allows you to pay a variety of bills using available funds in your Access Savings accounts. Simply log on to Internet Banking or call the Account Information Line on 13 14 02 from anywhere in Australia. Benefits of BPAY®
What bills can I pay with BPAY®? Institutions that send bills to customers that can be paid via BPAY® are called Billers. Registered Billers are easily recognisable as they list BPAY® as a method of payment and include the BPAY® logo and ‘Biller Code’ (the number that identifies the Biller) on the bills they send to their customers. You can find a list of registered Billers on the BPAY® web site at www.bpay.com.au Can all members use BPAY®? All members with an Internet Banking (IB) Password or a Telephone Banking Passcode (to access the Account Information Line) can use BPAY®. Members with ‘2 to sign’ or other conditions that do not allow them to transact using these methods cannot use BPAY®. Please note that SMALLBiz Account holders can use BPAY®. Can I use the Account Information Line to use BPAY® if I don’t have a touch-tone phone? No. You will need a touch tone phone to use BPAY®. What do I need to do to use BPAY®? You need to register as an Internet Banking (IB) user and receive an IB Password in order to make BPAY® payments through our website. To make BPAY® payments over the telephone, you need to have a Telephone Banking Passcode. If you do not have either of these, please phone our Member Contact Centre on 13 25 85 from anywhere in Australia or visit your nearest Personal Financial Centre to arrange a Telephone Banking Passcode and IB Password. BPAY® security Before you undertake a BPAY® payment from Internet Banking, you need to take advantage of Secure SMS, or Token Authentication.
Secure SMS When you first logon to IB you will be presented with a registration screen which will enable you to register a mobile phone or landline phone. Members that do not have access to a mobile phone (or landline phone) will have the option to apply for a Factor 2 token. When performing a BPAY® payment from Internet Banking, that requires Secure SMS authentication, a secure code will be sent to your registered mobile phone (voice message for landline registrations) together with transaction details. You will then be required to type this once off Secure Code into the Internet Banking session where prompted. Factor2 Security Tokens If you use the Factor2 Security Tokens, as a secondary level security system, you will be prompted to load the passcode from your Security Token. Simply press the button on your token and you will be provided with a unique, 6-digit passcode. Your payment cannot be completed unless this passcode is entered. Factor 2 Security tokens will only be required if you are unable to utilise the Secure SMS facility (please refer to the FAQ’s relating to Secure SMS) Paying a bill with BPAY® To make a BPAY® payment on the Internet, firstly log in to Internet Banking from our website using your Member Number and IB Password. Select BPAY® from the left side menu. To make a BPAY® payment by phone, call the Account Information Line on 13 14 02. Enter your Member Number and Telephone Banking Passcode, then * to skip balances and access the Main Menu. Option <2> in the Main Menu gives you access to BPAY®. Paying Bills at a future date You can ‘future date’ BPAY® payments up to 60 days in advance. This is a handy option as you can date payments for a few days before your bill is due or on a day when your pay (or other credits) will be in your account. You must make sure you select to pay your bill two business days before it is due. Payment processes An immediate payment is processed to the Biller on the day you pay it (if you pay before 6:00pm Central Standard Time on a business day). A future dated payment is processed on the day of the future dated payment (anytime between 8am and 3pm). Sufficient funds must be available in your selected Access Savings account during that time. Funds will not be transferred automatically from other accounts within our credit union to cover a shortfall. It is the responsibility of the member to ensure funds are available when conducting transactions. If funds are not available in your selected Access Savings account, then the transaction will be declined and the bill will not be paid. A fee may be charged for declined BPAY® payments. BPAY® fees Each BPAY® bill payment that is processed to your account will incur a fee of $0.20. There are no application fees, monthly fees or account keeping fees for using BPAY®. If you pay 4 bills in the month - even with one phone call - the fee will be $0.80. This fee will be charged at the end of each month. If no BPAY® bill payments are conducted then no fees will be charged. Refer to our Fees and Charges or BPAY® Terms and Conditions booklet for a list of fees applicable. BPAY® dollar limits General and life members have a daily BPAY® limit of $10,000. The daily limit for 'Package' members (pinnacle +plus) is $25,000 and for Business members it is $40,000. Each Biller also sets individual minimum and maximum transaction limits, which may be higher or lower than the limits we impose. Account options You have the option to select whichever Savings Account you would like your payment to be taken from – as long as you have the available funds in the account. BPAY® will attempt transactions on the available balance only. If you have uncleared funds (e.g. cheques waiting to be cleared) remember that these funds cannot be used until they become available. Please note, BPAY® payments made on a monEsaver account will incur a fee of $4.00. What if I make a mistake during the bill payment process? BPAY® transactions are not complete until you confirm that all the details are correct. When paying by phone, once you have entered all the bill payment details, the details are read back and you are asked to confirm (by pressing <1> to confirm with no changes, or <2> to cancel the transaction and return to the Main Menu. When paying on the Internet, a Confirmation Page will be displayed to allow you to confirm or change details before sending the payment for processing and you have a choice of clicking "Yes, Proceed" or "No, Cancel". BPAY View® is a bill presentment service that enables members to receive and view bills electronically in the secure environment of Internet Banking. To register for BPAY View®, simply click on ‘BPAY View®’ in Internet Banking and enter your registration details as prompted. How to register for BPAY View®
How does BPAY View® work? If you have registered your Biller through Internet Banking you will receive your billing information with the next normal billing cycle. You will be alerted that the new bill has arrived via the email address you nominated during registration. You are able to view the bill summary when you access Internet Banking by selecting the ‘BPAY View®’ link and clicking on ‘bill summaries’. You are able to view the detailed bill by clicking on the link ‘View Detailed Bill’ If you elect to pay the bill, Internet Banking will interface to the normal BPAY® screen which pre-populates the information and you can then elect to pay or schedule payment for a future date. Are all BPAY® Billers registered for BPAY View®? No. There is currently only a small selection of billers registered for BPAY View® e.g. Optus, Primus, Telstra, and Truenergy. Which bills can I view through BPAY View®? Check if the Biller offers BPAY View® by either looking for the words BPAY View® in the payment option section on the paper bill, or visit the BPAY® website to see a list of billers. What does it cost to use BPAY View®? The normal BPAY® transaction fee applies. If I receive a bill via BPAY View® do I have to pay by BPAY®? No. You can pay the bill any way you choose. If I register a Biller through BPAY View® can I subsequently cancel that Biller? Yes. You can cancel a Biller by selecting the ‘Deactivate’ option in BPAY View® Will I continue to receive a paper copy of their BPAY® bill? No. If you require a paper copy of your BPAY View® bill, you are able to print a copy of the detailed bill. If a printed copy of your BPAY View® bill will not suffice, you can contact the Biller to request a hard copy of the bill. Some billers may charge for this service. Online loan application benefits
The online application provides a number of benefits for Internet banking members, including:
Online loan application time limit
There is no time limit to complete the Loan Application. However, for security reasons, our system will automatically log you out of access to other Internet banking menu items if there is no activity after 10 minutes. e-statements are formal Credit Union account statements provided electronically to members through Internet Banking. When you choose to receive e-statements you will no longer receive a traditional paper based statement What do e-statements look like?
An e-statement will simply be an imaged version of a standard paper based Credit Union statement Who can have an e-statement? How do I register for e-statements? What format are e-statements delivered in? How will I be advised that an e-statement is available? Can I choose which accounts will be available on my e-statement? Can joint owners or signatories of accounts receive e-statements? How do I de-register from e-statements? How do I change my email address for e-statements notification? What happens if I do not receive email notifications? What if the email notification returns to the Credit Union undelivered? Will Fee Disclosure details be provided on e-statements? SMS Secure Code is a free service for members. Members will receive an SMS or Voice message with details of the transaction being performed, plus a secure one-off code which they will be required to enter in Internet Banking to authenticate the transaction. How do I register for Secure SMS? What if I do not have a mobile phone, live outside of a mobile coverage area, reside overseas and do not have access to global roaming, or do not have a landline facility? If I previously declined registration for Secure SMS authentication can I register again for this facility? Will there be any special browser issues required to register for Secure SMS? Can I retain a Factor 2 token and also register for Secure SMS? What financial transactions will require the Secure SMS Code? What non financial transactions will require the Secure SMS Code? Will I be required to enter a Secure SMS Code each time I access a financial or non financial transaction within the same Internet Banking session? How important is it to read or listen to the full text or voice message that accompanies the Secure Code?
It is extremely important to read or listen to the full contents of the SMS text or voice message to ensure that the details agree with their original request. If you fail to read or listen to the full text or voice message prior to entering the Secure Code, you may be authorising a transaction that was fraudulently amended in transmission. If I register a mobile or landline phone for Secure SMS, can I select an optional Home, Work or Mobile phone to receive the secure code?
Yes, when you are prompted to request an SMS code, your prime number registered for this facility will be the default number displayed, but you can choose any other phone number recorded on your membership from a dropdown box What if the other numbers are no longer valid, can I amend them via Internet Banking? Yes, as long as the prime number you registered for Secure SMS is still available, you can amend any other phone number recorded on your membership by simply accessing the Update Contact Details from the Service Options within Internet Banking Will I be able to register a new primary mobile or landline number? What if I do not have my original mobile or landline phone? Can I use the Secure SMS on Internet Banking while overseas? How can I check if the Country I am visiting, or residing in, has access to global roaming? Is there a time limit to enter the Secure SMS code when authenticating a transaction? What happens if I receive a Secure SMS or Voice message and I am not currently logged into Internet Banking? How much does the Secure Code Cost? What transactions will require the Secure SMS Code for Business Banking Batch Transactions? How will I know if I have successfully registered for Secure SMS? Can I de-register from Secure SMS via Internet Banking? Can I register for Secure SMS if the mobile or landline number entered during registration contains spaces? Can I lock myself out of Internet Banking when I put in the incorrect Secure Code? How do I update my mobile or landline number in Internet Banking?
If an Internet Banking session has timed out before the Secure code is entered, will a new code be required when I log back into Internet Banking? Does Business Banking Batch transactions work the same way with Secure SMS? When there is a Business Banking membership with 2 to sign, does the signatory creating the batch request an SMS or voice code as well as the signatory updating the batch for processing? What if I am registered for Secure SMS and remove the Mobile or landline number in Internet Banking from the ‘Update Contact Details’ section?
This will disable your Secure SMS and if you attempt to access a protected transaction via Internet Banking you will receive a ‘disabled’ message. To re-activate the Secure SMS facility you will be required to contact us. What is Mobile Banking? Mobile Banking is a service provided to existing Internet Banking members that will allow limited Internet Banking functionality with an active internet capable mobile phone. Who can use Mobile Banking? Any member with an active Internet Banking service who has access to a mobile phone, with web browsing capability, with mobile phone coverage at the time of attempting to connect to the service Are there any time restrictions for access to Mobile Banking? No, Mobile Banking is available 24 hours a day, seven days a week. It provides the convenience of accessing Internet Banking on your mobile phone (as long as you have mobile phone coverage), whether you are at home, in the office, on holidays, out shopping, on public transport etc. Remember, normal processing times that apply to Internet Banking also apply to Mobile Banking. You can view any planned outages under the ‘System Maintenance’ section of the Internet Banking login page. How do I register for Mobile banking? Any member with Internet Banking access and an active internet capable mobile phone can register for this facility. Simply login to Internet Banking and setup your Mobile Preferences by selecting the Internet Banking accounts you wish to perform transactions from/to within Mobile Banking. How do I logon to Mobile Banking? From your mobile phone’s browser type in the following web address:
Community CPS members: https://www.cpsinternetbanking.com.au/mobi/ United Community members: https://www.unitedinternetbanking.com.au/mobi/
Companion Credit Union members: https://www.companioninternetbanking.com.au/mobi/
Can I perform the same transactions and activities with Mobile Banking that I currently perform within Internet Banking? No, the transactions are limited to the following:
How much does Mobile Banking cost? We do not apply any additional charges for this service, apart from the standard Internet banking fees which can be found in our Fees and Charges Booklet. However, you should check with your mobile phone provider to establish what charges apply based on your current data plan. Is it safe to use my mobile for Internet Banking? All internet capable mobile phones that have 128 bit security enabled will be able to access the website utilising the same level of security as Internet Banking. Are there additional measures I can take to improve the security of my mobile device? Yes, there are additional measures including:
What if I can't connect to the internet on my mobile phone? If you currently have access to our Internet Banking facility, but are unable to access the internet through your mobile phone, simply contact your mobile phone provider for assistance. Will I need to download any additional software? No. If you can access and browse the internet through your mobile phone then you can access our Mobile Banking as long as you have a current Internet Banking member number and passcode. What phones can I use? The mobile phone must be internet capable. Mobile Banking will be programmed to meet a number of language standards as governed by the World Wide Web Consortium (W3C) and the Open Mobile Alliance (OMA). Coding with these languages will cover the majority of phones in the marketplace whilst reducing confusion in support scenarios as the system is designed to support established standards, not individual phones. How many accounts can I transact with through Mobile Banking? There is a limit of 10 accounts and you can nominate which accounts you wish to make active within the Mobile Preferences screen of Internet Banking. Can I use Mobile Banking overseas? Yes, there are no restrictions on accessing this service from overseas, as long as you have a mobile phone with internet access. When using an Australian mobile phone you need to check with your mobile phone provider to ensure that you have access to global roaming and that the country or area that you are visiting provides a compatible network. Access to this facility is not restricted to Australian mobile phones, so in both instances you should check with the provider in relation to their charges for internet access. What daily transaction limits apply for Mobile Banking? The same daily transaction limits that apply to Internet Banking apply to Mobile Banking, as this facility shares the same service channel as Internet Banking. Can I set up a transfer for a future or recurring date? No, only ‘Now’ transactions can be performed within Mobile Banking. How will I know that a transfer was successful? You will receive a message requesting confirmation of the transaction to be performed and once you have confirmed the details the screen will populate with the payment details, together with a reference number. What information will appear on my statement if I transfer money out of my account using Mobile Banking? The Transaction description will appear as a ‘Mobile’ transaction e.g. transfer within your own account will display as a ‘Mobile Internet Transfer’, a BPAY® payment will display as ‘Mobile BPAY Payment’. The Batch Transaction facility is available to Business or SmallBiz members. This facility allows these members, with single or multiple signatory access to process transactions as a batch transaction or Cemtex transaction. How can I access Batch Transactions? You can access the ‘Batch Transactions’ link from the left menu in Internet Banking if you are registered for this service. You will also require Secure SMS or Factor2 token authentication to access process batch transactions. How do I register for this service? You will be required to complete both an Internet Banking application form (if you are not already registered), as well as registering for the new Business Banking service. Can any SMALLBiz and Business Accounts with Internet Banking facilities perform batch transactions? No – Business Banking batches can only be performed on the following accounts:
What are the fees associated with batch payments? The Internet Banking Batch fees are 20 cents per transaction within the batch. So, if there are 5 transactions within the batch then the batch fee will be $1.00. When will fees be charged to my account? They appear as a batch payment fee on your monthly Statement. Is there a fee for failed transactions? No - failed transactions within a batch or Cemtex file do not attract a fee. What transactions can be done within a batch?
What is a Cemtex File and how is it created? A Cemtex file is created by the member utilising their own business accounting software, such as MYOB and Quicken. The file must conform to the Australian Payments Clearing Association (APCA), Direct Entry file format before it can be uploaded into the Business Banking Internet Banking Batch Transactions.
Can different signatories have different levels of access within the Internet Banking Batch facility? Yes, the following are the different levels of authority that can be assigned to signatories:
If there are two to sign and both signatories have full access, can one signatory create and submit the batch? No - if there are two to sign, then the second signatory will need to sign in and submit the batch. When the first signatory creates the batch they will receive a message “the batch is in pending state waiting for approval from the required signors before processing”. If there are two to sign, and there are 3 signatories with different levels of access, are only two of the signatories required to sign in and approve and submit the batch? e.g.
All three can create and update the batch, but only the signatory with full access can submit the batch. So signatory 2 or 3 can create and approve, but signatory 1 will have to sign in last to submit the batch. If there are two signatories to operate an account can they do batch payments? Yes - if your account has two to sign, then the batch can be created by one signatory. When that signatory has updated the batch they will receive a message to say “Selected Batch Transaction Updated for ………… (And their signatory number). The selected transaction(s) in the batch has been updated. All signatories must approve the batch again before processing can continue. Please click ……………….” When you then view the batch you receive a message “waiting for approval by others” The second signatory with full access can then approve and submit the batch. However, if there is only one person with full access (submit the batch), then that person must be the last person to go into Batch Transactions to submit the batch. Can I use multiple savings accounts to process Batch Payments? No - you are unable to debit different accounts within the same batch If transactions within a batch fail, can I re-submit the failed transactions without having to delete the successful transactions? No - partial batches cannot be posted. If the batch is re-processed, the system will process the previous successful transactions as well. In this case you are better off to load a separate batch for the failed transactions. What happens if I set up a future dated batch and there are not sufficient funds in the account at the appropriate time and part, or the entire batch, rejects? Will the system try to reprocess the batch, or the rejected transactions? No - If transactions are unsuccessful on the nominated ‘Batch date”, you have the option of receiving an email notification of the ‘failed’ transactions and you can then resubmit the failed transactions by creating a new batch. Can I re-submit a processed batch? Yes - simply select update on the batch and you can either “update” the existing transaction on the batch or “add transactions” then select the “process batch “option. If the batch has been processed within the last 5 days you will get an alert message regarding a possible duplication, then the option to proceed. Can I change the name of a batch? Yes - the batch name can be changed when the batch is first established. Can I change the name of a batch already processed? No - you can update and resubmit a batch that has already been processed, but can’t change the name of that batch. Can a batch be submitted twice in error? Yes - However, if you attempt to re-submit a batch already processed, there is a red warning message that comes up (***WARNING Possible duplicate batch***.) You then have the choice of continuing or cancelling. If I re-submit an existing batch, can I then change any of the details in that batch before resubmitting e.g. the account number, transaction amount, from account etc.? Can I also change the name of the batch? No - not all details can be amended within an existing batch and then resubmitted. You can update some details within the batch by clicking on the batch e.g. Batch 1, click on the drop box and select update. The option is available to change the savings account the batch will debit, delete a batch entry, add a new transaction or change the amount of a batch entry before reprocessing. No - The batch name cannot be changed from the original batch name e.g. Batch 1 sent on the 12/10/2007 is still called Batch 1 sent on the 14/10/2007. You can go into batch history and view details of the Batch 1. Can I resubmit the Cemtex File that has already been sent? No - There is the option to view, delete and see the history of the sent Cemtex file but it cannot be resubmitted or updated (refer following exception for processing rejected transactions). If transactions fail within a Cemtex file, do I have to create a new Cemtex file with the rejected transactions? No - Uploaded Cemtex batches can simply be re run and only FAILED transactions will be posted. All you have to do is select update on the Cemtex file and process batch. If all the transactions have processed successfully then you do NOT have the option to update and process that batch, you have to create a new Cemtex file. This option would generally only be required if the transactions failed as your daily transaction limit was reached and you elected to process the failed transactions on a subsequent date when your daily limit was restored. Can I change the name of the Cemtex file? Yes - but only when you select to “upload Cemtex batch file”. The Cemtex batch ID can only be changed at this stage. Can I be notified if transactions in a batch or Cemtex file reject and the reason? Yes - In Internet Banking (Service options/Preferences) you can enable the option to “receive email options” for Batch/Cemtex Transactions and enter the email address you want the notification sent to. Once this is done and updated you will then receive a confirmation of registration by email. Whenever a batch or Cemtex file is submitted for processing, you will receive an email notification with details of the submitted batch and file. After the batch or Cemtex file is submitted, you will receive confirmation of a processed batch. This includes successful transactions and notification if a transaction has failed and why. Failed Cemtex transactions can be re-submitted. Will my Internet Banking daily limits be reduced by the Cemtex and Batch transactions? No - Business Banking Limits are separate to Internet Banking Limits, so any transaction performed in Business Banking will not affect the normal daily transaction limits in Internet Banking, only the Business Banking daily limit. What limits apply to Business Banking? Business members’ daily limits are $50,000 (Internal Transfer), $25,000 (External Transfer) and $40,000 (BPAY). How long is the Business Banking batch and Cemtex history retained? Current batch history will remain, but is limited to a maximum of 50 batches. You do have the option to delete the batch details if required. When I set up a batch or a Cemtex file do I need to put in a process date? When there are two or more signatories to operate the membership, one signatory can create the batch (or cemtex file) without updating it. It remains on the summary status as NEW until the second signatory signs in at a later date to confirm (approve) the batch and submit it. At this time you select the process date as either a future date, or the date it is submitted. When there is only one signatory to operate and that signatory has full access, as long as you just update the batch and do not select process batch (or Cemtex file), it also remains on the summary status as NEW until the signatory selects process batch and selects the date it is to be processed. Can a batch contain different processing dates within the same batch? No - All transactions within the batch have to be processed on the same date. After completion of the batch transactions there is the option to change the date for the batch, but this affects all transactions within the batch or Cemtex file. Can a batch be created for an amount greater than the Business banking Daily limit and only transactions within the batch fail when the daily limit is reached? Yes - a batch can be created for an amount greater than the Business Banking daily limit and transactions within the batch will only be processed until the daily limit is reached. What time limit applies to complete batch transactions? The normal time limit for Internet Banking will apply. If there is no activity after 10 minutes, you will be automatically logged out. Is there a limit on the number of transactions in either of the Batch transactions or Cemtex File transactions? Yes - Cemtex files are limited to 200 transactions, but there is no limit for manually loaded batch transactions.
This is a secure message system that will enable you to send and receive secure messages regarding your accounts at the Credit Union within Internet Banking and will be available in the menu at the top right corner of Internet Banking. Is this an email system?
No, this is a message system that does not utilise any email protocol and therefore provides a level of security that an email system is unable to match.
Will I require either Secure SMS, or Factor 2 Token authentication to access this facility? Yes, this facility will only be available if you have registered for one of these second tier authentication methods. What if I do not have access to Secure SMS, or Factor 2 Token authentication, can I still send a message to the Credit Union?
Yes, you can use the message system ‘Contact Us’ which is available from the Service Options menu of Internet Banking. However, you should avoid sending information of a confidential or personal nature as any response to these messages will be via the normal email system.
How will I know that a new message is available?
When you login to Internet Banking the number of unread messages will be displayed on the welcome page. Simply access Your Member Messages from the menu on the top right corner of Internet Banking and any new message will display with a status of ‘Not Read’.
I currently communicate via the Secure Email system, why should I use the 'Your Member Messages' instead?
This system utilises the security of Internet Banking and a second tier authentication system that allows us to respond to your messages by placing the response in your secure inbox on Internet Banking providing a history of your original request and any subsequent responses.
Can I copy and paste screen images when sending a message? No, the message you compose can only accommodate text. Is there a limit on the amount of text I can enter?
Yes, text is limited to 1,000 characters.
Is the timeout period when composing a message the same that applues to the normal Internet Banking timeout? Yes, the normal 10 minute Internet Banking timeout limit applies. What if the amount of text I wish to enter is likely to take longer than 10 minutes?
We recommend that you enter the text in another application e.g. Word, Notepad etc. then copy and paste the information into the body of the composed inbox message after starting a new Internet Banking session. Can I maintain the messages myself within the Inbox and Outbox screens of Your Member Messages?
Yes, messages from both your inbox and outbox can be deleted as required. Is there an upper limit on the number of messages that can be retained in the message queue?
Yes, user messages are limited to 20 messages, but this does not include messages that are broadcast to all users by the Credit Union.
What happens if I reach the limit of 20 messages?
When messages reach this limit you will not be able to compose a new message unless you delete an existing message from your message inbox. What if I want to retain a copy of the message before the record is removed? Simply print or copy and paste the details of the message into another application on your PC. What if I need to check on the progress of a query I have raised?
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