Understand how to protect and prevent misuse of your cards, PINs, secret codes and password, including the internet banking one-time password. And what to do if you have a query about a disputed transaction on your Australian Unity Bank card using the below guidelines.
Liability for unauthorised transactions will be considered in accordance with the ePayments Code and not under these guidelines. For further details please see the Australian Unity Bank Transaction, Savings and Investment Products Terms and Conditions, refer to Clause 5.3.
To help protect the security of your card, you must:
To help you protect your internet banking and mobile banking app
To help you protect your PIN and keep passcodes safe
“Access Facility” means a facility we authorise for you to use as evidence of your authority to make an Electronic Transaction or to access information about your Account that does not require a manual signature and includes, but is not limited to:
- In the case of Telephone Banking or Internet Banking - any combination of your customer number, secret code or password;
- In the case of BPAY - any combination of your customer number, secret code or password; and
- In the case of Visa Card - your Visa Card and PIN used at an EFTPOS Terminal or ATM.
When opening an Account, you may provide us with a Telecode that we may accept as proof of identity and your authority for us to carry out certain transactions verbally via telephone. The use of the Telecode is voluntary; however, without it we may not be able to identify you to assist in carrying out certain transactions on your behalf. The type of enquiries, transactions or account information requests in which we may accept your Telecode to establish the identification of the person we are communicating with is listed on our website.
We may at any time without notice cancel your Telecode if we suspect there is a risk to the security of your Account/s.
We provide an additional layer of protection to our customers using Internet Banking through SMS OTP. This means that once you register for this service, transactions can only be performed and completed if they are authenticated by an OTP.
The password is sent to your registered mobile phone number via SMS and each password is valid for approximately 5 minutes before your Internet Banking session times out.
In order to receive your OTP, you must register a valid Australian mobile number with us.
It is your responsibility to inform us of any changes to your nominated mobile number for OTP notifications.
You can register for an OTP by logging into Internet Banking and selecting the ‘Features’ menu option. Alternatively, you can contact us. Your OTP must never be given to another person. If you give your OTP to another person you may be liable for any losses that occur as a result of unauthorised use of the OTP.
Unfortunately, there are a lot of unscrupulous people who will try to trick you into giving out your personal information such as your full name, date or birth, account number or your financial information, and will try to trick you into transferring money to them.
To help protect yourself you should be aware of some of the different scams which might be used in an attempt to gain your sensitive information. The Scamwatch website is a good way of learning about the different types of scams and keeping yourself up-to-date and mindful of current scam warnings.
Some common scams are mentioned below and ways in which you can help protect yourself:
If you believe an Electronic Transaction is wrong or unauthorised or your statement contains any instances of unauthorised use or errors, you must immediately notify us by phone on 1300 790 740 or email to the email@example.com and give us the following information: