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Internet Banking Guide and FAQs

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Emergency contact number

If your Internet Banking Access Code is no longer secure you can immediately disable access by calling 13 22 49.

What is Internet Banking?

Our online Internet Banking facility assists our members in obtaining  information on their accounts, paying bills and transferring funds. 

Features include:

  • Pay bills
  • Redraw on Home loans 
  • Display transaction details
  • Print statements
  • Transfer funds within your membership
  • Transfer funds to other memberships (subject to authorisation)
  • External Funds Transfer
  • View loan, term deposit, payroll details
  • Obtain interest earned details

Since the introduction of Internet Banking, members have taken to the new service with enthusiasm. While feedback has been generally positive, a few members have had questions about Internet download speeds, Using BPAY, accessing Internet Banking for the first time and who to contact when problems arise.  We hope that the following information may help.

Information for first-time users

How do I apply for Internet Banking?

You can apply by speaking to one of our member services officers at 1300 937 824.

Can I change the password?

Yes.  The system will require you to change your password the first time you use Internet banking. 

Security Tips

The login password will need to be a minimum of 6 characters long and contain 3 out of the following 4 formats:

  • At least One Capital case Character (A-Z).
  • At least One Lower case Character (a-z).
  • At least One Number (0-9).
  • At least One Special Character out of these (!, @, #, $, ^, *, , , -, %, \ )

You can change your password at any time and is recommended that you do so on a frequent basis for your own security. You can change your password while logged into Internet banking under “Personal”.

Please refer to Conditions of Use for more information on security of your access code.

Information for everyone

What if I've forgotten my access code or it does not work?

You must notify the Credit Union that your access code is not working or you have forgotten your code. The Credit Union will issue you a new code after they have performed the appropriate identity checks.

How do I transfer to other accounts within the Credit Union?

You can transfer funds within your own membership once you have been given an access code.  If you wish to transfer funds to another membership within the credit union this can be undertaken within Internet Banking.

Can I transfer funds to another financial institution?

Yes.  You can transfer funds to an external bank account providing you have the BSB, account number and account name.  Please ensure the correct details are provided to avoid payment being delayed or returned.  Please refer to Conditions of Use for more information on processing EFT transactions.

Is BPAY® available through Internet Banking?

Yes, you can pay any bill displaying the BPAY® logo using Internet Banking.

 Are there any associated fees? 

Please refer to our fees and charges to ascertain if a fee applies.

Internet browser tips

Things you can do to make your Internet browser run more effectively are:

For Internet Explorer users:

  • Click on the "Tools" menu from your browser toolbar, then click Internet Options.
  • Click on the "General" Tab, you will find the "Temporary Internet Files" section. Click on "Delete Files, then OK.

For Netscape Navigator users:

  • Click on "Edit" and select Preferences.
  • Under the Advanced menu, click "Cache". Click on the "Clear Disk Cache Now", then click OK.

This will remove all files in the Temporary Internet Folder that slow the running of your Internet Browser. In addition to the above, if you have a Windows-based system, you should run Windows Scandisk and Disk Defragmenter regularly. Both can be found at: Start>>Programs>>Accessories>> System Tools.

Errors - Root Certificate

As of 7th January 2003, users of older internet browsers may encounter a dialog box indicating the root certificate has expired.  You will be able to continue browsing, but you will not be using the latest secure technology. The following browsers will support the most recently issued Global server certificates:

  • Microsoft Internet Explorer 5.01 (build number 5.00.2920) or later
  • Netscape Navigator & Communicator 4.6 or later

To check the version of your current browser, go to the 'Help' menu and select 'About'.

More information on this issue and instructions on how to download the root certificate can be found at: http://www.verisign.com.au/repository/faq/rootCA_faq.shtml

Note: To upgrade your version of Internet Explorer or Netscape

Microsoft Internet Explorer
Go to the Microsoft Download Centre at http://www.microsoft.com/downloads/search.aspx?displaylang=en and search for your Internet Explorer for your operating system.

Netscape Navigator
Go to http://channels.netscape.com/ns/browsers/download.jsp to download the latest version of Netscape

Security

To ensure that there is no unauthorised access to your membership:

  • Access will be locked after 3 incorrect attempts at logging in to Internet Banking.  After midnight, your account will be automatically 'unblocked' and you will be able to gain access again by entering a correct password
  • If you are logged-on and have not used it for a period of 5 minutes, you will automatically be logged-off and will need to re-enter your member number and password
  • The access code that you are issued on registration will only be valid for 30 days; after this time has expired you will need to register again
  • Notify address and contact details immediately
  • Examine your periodical statement immediately upon receiving it to identify and report, as soon as possible, any instances where the Internet Banking service has been used without your authority
  • Check your last log-in details which will appear on the Introduction page every time you log into the Internet Banking service and notify us immediately if the last log-in details are incorrect.
  • If your account becomes locked, it will then be necessary to contact us to request that your Internet Banking access be reinstated.

Western City Credit Union will not be held responsible for the information contained within a site accessed via this site. Should you enter another site through such links, the content will not have been produced, checked for accuracy, or reviewed by the Credit Union. Any endorsements or any opinions offered are not necessarily those of the Credit Union.

 

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