A safe and efficient way of accessing your People s Choice Credit Union accounts, paying bills and transferring money.

Transcription

1 Ase see th A safe and efficient way of accessing your People s Choice Credit Union accounts, paying bills and transferring money. 1 1

2 Contents 1. Security, system requirements and cookies Register for Internet Banking Log in to Internet Banking Internet Banking password Change your address or Internet Banking alerts... 9 Please note: By selecting the Password Reset option you will also be notified when a PayID is created or updated People s Choice Secure Code How to register for People s Choice Secure Code VIP Access and Access token first device registration Registering Additional Secure Devices for People s Choice Secure Code Deregistering a Secure Device Using People s Choice Secure Code View and update your personal details View account balances View Uncleared Transactions View transaction details Open a new account Close an account Change the order your accounts are displayed Change your Account Name View my bills Pay a bill using BPAY Schedule a regular Transfers & BPAY payment or set one up for another day Change the default debit account on my membership View and update my Direct Credits Transfer between your accounts Send and receive Fast Payments with PayID Register your PayID Manage a PayID Transfer funds to another person with Pay Anyone Create and schedule Batch Payments View interest paid or received Maintain Investment View Insurance Products View your People Choice Lite Home Loans Apply online Activate a new card Card Management PIN Change Secure Mailbox Register for SMS Banking Mobile Banking Download the iphone and Android Applications Register for estatements Viewing your estatements Update your estatement details Unsubscribe from estatements Travel Advice Notifications Fraud Prevention tips

3 1. Security, system requirements and cookies Our Internet Banking system is responsive in design which means you can use our full range of Internet Banking Services on a desktop or mobile device running a supported Operating System, for a list of supported Operating Systems refer to our Internet Banking FAQs Internet Banking uses industry-standard encryption to keep you safe online. Your browser must support TLS1.2 encryption and have cookies and JavaScript enabled, to ensure the security of your online transactions. You should also make sure your internet browser is updated to the latest version. Most browser updates are available free online. To check and update the cookies settings and ensure JavaScript is enabled refer to the help information available within your browser options. Should you have an outdated version of your browser you will be prompted with a warning message. To upgrade your browser, click on the link to upgrade now and follow the prompts. 3

4 Internet Banking will automatically end your session after 10 minutes of inactivity, however a prompt to extend the session will appear at the top of the screen after 8 minutes. By clicking the Extend Session button, this will extend your session by 5 minutes. Please note the browser used to obtain the screen shots for this guide is Chrome. If you are using an older browser, some screen shots may differ. 2. Register for Internet Banking To register for Internet Banking, simply visit your local branch or alternatively call Log in to Internet Banking To use Internet Banking, click on Log In from the toolbar on the right hand side of the website screen. Enter your member number and Internet Banking password. Your member number can be found on the bottom left corner of your People s Choice Visa card or Redicard, or on your statement. The first time you use Internet Banking you will be prompted to change your password and accept the terms and conditions of use. If you have forgotten your password and have a mobile number registered against your membership select the Reset Password link on the Internet Banking Log In screen otherwise call (refer to Section 4- Internet Banking password reset). Note A security feature of Internet Banking is that your account will be locked if you do not log in to Internet Banking within 180 days. If you have a mobile number registered against your membership, you can unlock it by selecting the Reset Password link on the Internet Banking Login Screen. Alternatively, call and after you have been identified, you will be provided with a temporary password and advised to change it as soon as possible. If it isn t changed from the temporary password within 30 days, the account will be automatically locked again. 4

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6 3. Log in to Internet Banking (continued) The first screen you will see after logging in to Internet Banking is the Accounts Balances page. This screen allows you to view your accounts and account balances at a glance. You can reorder the display of your accounts by clicking the Reorder Accounts link located above the first displayed account. To perform a quick transfer or payment, view additional account information, access uncleared transactions or the last 10 transactions recorded in an account in the last 30 days, click on the double downward arrow located next to your account balances. To perform other functions select the appropriate tab from the top of the screen and select your option from the slideout menu. Please check the dates of your last login and last transactions displayed on the Welcome page and make sure details are correct. If any of the information on this screen is incorrect, please call Internet Banking password Internet Banking password reset If you ve forgotten your Internet Banking password, you can use the Internet Banking password reset function found on the Internet Banking Log In page, click the Reset Password link under the Log In button. Note: To use this service, you must have a mobile number already provided on your membership. If you have not set this up call us on

7 You ll be presented with prompts to enter your membership details. Once you have entered your membership details correctly, confirm your request by selecting next. If your details are correct you will be prompted to select a Second Tier Authentication challenge to complete the request. Select either Send Secure Code Push Notification or Use Secure Code. Both options will require you to have access to your Secure Device. 7

8 4. Internet Banking password (continued) Once the Second Tier Authentication challenge is successfully completed enter in your new Internet Banking Password and confirm by selecting Change Password. Changing your password If you need to change your password, select the Settings tab located at the top of the screen and select Change Password from the slide-out menu. Enter your current password in the first field and enter new password in the second and third fields provided, remembering that passwords are case-sensitive. Click Change password to confirm the change.. 5. Change your address or Internet Banking alerts 8

9 5. Change your address or Internet Banking alerts In certain instances you can choose to receive information alerts. If you wish to change your address and/or modify the alerts you wish to receive, select the Settings tab at the top of the screen and then Notifications from the slide-out menu. Enter your new address and/or update the type of notifications you wish to receive. Click Save to save your changes. Please note: By selecting the Password Reset option you will also be notified when a PayID is created or updated. 6. People s Choice Secure Code We re committed to making your banking experience the best it can be and part of this commitment is providing you with a secure banking environment. People's Choice Secure Code is the key to unlocking your digital banking now and into the future. It's an extra layer of verification that goes beyond the basic username and passwords to give you secure access to your banking. People's Choice Secure Code enhances digital security and real time fraud detection, making digital banking easier and more secure for you to transact anytime and anywhere...even when you travel. People s Choice Credit Union requires the use of People s Choice Secure Code to authorise certain functions on your membership, or for when you are sending funds to a destination that you have not sent to before. This minimises the risk of fraudulent activity on your account. People's Choice Secure Code is available via any of the following methods: People s Choice Mobile Banking App: Available for supported Android and ios (Apple) smart devices. People s Choice Secure Code security is built into the People s Choice Mobile Banking App and will automatically protect you when using the App. When transacting on our Internet Banking website, you may be prompted to either; o Respond to a Push Notification from within the Mobile Banking App. You can approve or deny the requested function on the device you have installed the People s Choice Mobile Banking App on, or o Generate a 6 digit Secure Code from within your People s Choice Mobile Banking App under Secure Code in the App menu to enter into Internet Banking to complete your transaction. We recommend this option for members who; o use an Android or ios (Apple) smart device o travel throughout Australia or overseas 9

10 The People's Choice Mobile Banking App offers the convenience of real-time at login fraud detection and proactively alerts you via Push Notifications, offering the highest level of security. Security is continuously improved during App updates, ensuring you are always using the highest protection. Steps on how to download and register the People s Choice Mobile Banking App are provided in the Mobile Banking App (ios and Android) Guide. VIP Access App for Mobile: The VIP Access App for mobile is an alternative option for smart devices, and Windows devices to the People s Choice Mobile Banking App. Provided by Symantec, the VIP Access App for mobile can be downloaded to smart devices and Windows phones. When transacting on our Internet Banking website, you may be prompted to either; o Respond to a Push Notification from within the VIP Access App. You can approve or deny the requested function on the device you have installed the VIP Access App on, or o Generate a 6 digit Secure Code from within your VIP Access App (on your mobile app) to enter into Internet Banking to complete your transaction. We recommend this option for members who; o do not use an Android or ios (Apple) smart device o do not use the People s Choice Mobile Banking App o are travelling throughout Australia or overseas. The VIP Access App for Mobile offers the convenience of real-time at login fraud detection, and proactively alerts you via Push Notifications, offering the highest level of security. Security is continuously improved during App updates, ensuring you are always using the highest protection. Steps on how to download and register the VIP Access App for Mobile are provided in the VIP Access Guide. VIP Access for Windows or Mac Computers: VIP Access is an alternative option for Windows or Mac computers to the People s Choice Mobile Banking App. Provided by Symantec, VIP Access can be downloaded to Windows or Mac computers. It s important to note that VIP Access for Windows or Mac Computers offer the convenience of real-time at login fraud detection, however does not proactively alert you, as the VIP Access for Windows or Mac Computers is unable to issue Push Notification alerts. When transacting on our Internet Banking website, you may be prompted to; o Generate a 6 digit Secure Code from within your VIP Access (using your Windows or Mac computer desktop app) to enter into Internet Banking to complete your transaction. We recommend this option for members who; o do not use an Android or ios (Apple) smart device o do not use the People s Choice Mobile Banking App o are travelling throughout Australia or overseas with their personal computer. Steps on how to download and register VIP Access for Windows or Mac computers are provided in the VIP Access Guide. Branch Access Token: All Branches have an Access Token, in the form of a Secure Code card. It s important to note that Branch Access Tokens offer the convenience of real-time at login fraud detection, however do not proactively alert you, as tokens are unable to issue Push Notification alerts. The Secure Code cards are secured to each Internet Banking booth at every branch and, are available for you to use within Internet Banking. The card will generate a 6 digit Secure Code when requested. 10 When transacting on our Internet Banking website, you may be prompted to; o Generate a 6 digit Secure Code from the Branch Access Token (by pressing the PRESS HERE button on the Secure Code card available in the Internet Banking booth) to enter into Internet Banking to complete your transaction. We recommend this option for members who; o do not use an Android or ios (Apple) smart device o do not use the People s Choice Mobile Banking App o do not have a Windows or MAC personal computer o perform internet banking using a branch Internet Banking booth Personal Access Token: The Personal Access Token is a small hand-held device that you will have ownership of that generates a 6 digit Secure Code when requested. The token is to be kept in a secure location. It s

11 important to note that Personal Access Tokens offer the convenience of real-time at login fraud detection, however tokens do not proactively alert you, as they are unable to issue Push Notification alerts. We recommend this option for members who; o are unable to use the People's Choice Mobile Banking App or VIP Access App (i.e. you do not have a personal smartphone, windows phone or personal computer access). o are travelling throughout Australia or overseas Steps to register an Access Token are included within this guide (refer 6.1 How to register for People s Choice Secure Code). You will only need to authenticate yourself with People s Choice Secure Code once per session. 6.1 How to register for People s Choice Secure Code To register for People s Choice Secure Code: a. Log in to People's Choice Internet Banking b. Select Settings from the main menu and then Secure Code Management c. If you are registering for People's Choice Secure Code for the first time, you will be prompted to complete a Second Tier Authentication challenge by entering the one time password that will be sent via SMS alternatively if you do not have a valid mobile number listed please call and I code will be provided to you. Note: If you use the People's Choice Mobile Banking App, downloading the latest App will automatically register you for People's Choice Secure Code. There is no action for you to complete within Internet Banking. Steps on how to download and register the People s Choice Mobile Banking App are provided in the Mobile Banking App (ios and Android) Guide. If you are already registered for People's Choice Secure Code and are registering an additional Secure Device you have installed on another device, you will be prompted to approve a Push Notification or generate a Secure Code from the device you have already registered. Alternatively, you can contact for a One Time Passcode. 6.2 VIP Access and Access token first device registration For additional detailed steps on how to download and register the VIP Access App for Mobile and VIP Access App for Windows and Mac Computer are provided in the VIP Access Guide. To register your VIP Access as a secure device for the first time: a. Select Add device 11

12 b. Enter the name of the device (The device name is a name you choose. You re able to personalise the name of your device e.g. VIP Access on Jill s iphone 6, My Mac Laptop or Flinders Street Branch IB Booth 2). c. Enter the Credential ID. This can be found: - On your VIP Access App for Mobile - On your VIP Access for Windows and Mac Computers - On the front of the Branch Access Token - On the back of your Personal Access Token d. Agree to the Verisign Identity Protection End User Agreement 12

13 e. Obtain a 6 digit Secure Code from the device you want to register and enter the code in the Secure Code field and click Save. The 6 digit Secure Code can be found: - On your VIP Access App for Mobile - On your VIP Access for Windows and Mac Computers - On the front of the Branch Access Token - On the front of your Personal Access Token You have now successfully created a Secure Code Device and are now registered for People s Choice Secure Code. 13

14 6.3. Registering Additional Secure Devices for People s Choice Secure Code You have the ability to register up to 5 devices. We suggest you only register devices you frequently use. a. Log in to People s Choice Internet Banking b. Select Settings from the main menu and then Secure Code Management You will be prompted to approve a Push Notification or generate a Secure Code from the device you have already registered. Alternatively, you can contact for a One Time Passcode. Please note: Devices should be de-registered when no longer in use. For example, when a Smartphone is used for mobile banking, in the event you upgrade your phone, the Mobile Banking App for the phone no longer in use should be de-registered as a secure device. You can de-register a device from within the Mobile Banking App or Internet Banking. Once you have satisfied the Second Tier Authentication you will have access to Secure Code Management and can register additional Secure Devices. c. Select Add device d. Enter the name of the device (The device name is a name you choose. You re able to personalise the name of your device e.g. VIP Access on Jill s iphone 6, My Mac Laptop or Marion Branch IB Booth 1). 14

15 e. Enter the Credential ID. This can be found: - On your VIP Access App for Mobile - On your VIP Access for Windows and Mac Computers - On the front of the Branch Access Token - On the back of your Personal Access Token f. Agree to the Verisign Identity Protection End User Agreement 15

16 g. Obtain a 6 digit Secure Code from the device you want to register and enter the code in the Secure Code field and click Save. The 6 digit Secure Code can be found: - On your VIP Access App for Mobile - On your VIP Access for Windows and Mac Computers - On the front of the Branch Access Token - On the front of your Personal Access Token You have now successfully created an additional Secure Device. 16

17 6.4 Deregistering a Secure Device If you lose a device or upgrade your phone, tablet or computer, you can de-register a Secure Device within Internet Banking or via the People's Choice Mobile Banking App. Alternatively, you can contact or visit your local Branch to request a Secure Device to be de-registered. To de-register a Secure Device log into Internet Banking Select Settings, Secure Code Management. You will be prompted to complete a Second Tier Authentication challenge from your existing Secure Device by: Accepting a push notification from their People s Choice Mobile Banking App Obtaining a Secure Code from their People s Choice Mobile Banking App Obtaining a Secure Code from their VIP Access App (Symantec) Obtaining a Secure Code from their Access Token (personal or branch) Once you have satisfied the Second Tier Authentication you will have access to Secure Code Management and can view all your existing Secure Devices. a. Select the Secure Device to de-register by clicking on b. Click Delete to confirm Secure Device to deregister c. Select Yes to confirm deregistration 17

18 d. Confirmation of deregistration will be displayed. 6.5 Using People s Choice Secure Code Once registered for People s Choice Secure Code, you maybe prompted to authorise a Push Notification or enter a Secure Code whenever you are performing sensitive functions, or sending funds to a destination that you have not sent to before within Internet Banking. Secure code is designed to protect our members through an ever changing and dynamic security checks. When prompted, you will need to approve or deny a Push Notification sent to a registered smart device, or enter a Secure Code provided by a registered VIP Access App or Access Token. Both the Push Notification and the Secure Code need to be actioned with in 30 seconds of the request. If more time is required you can request to resend the Push Notification or enter a new Secure Code. 18

19 Enter the Secure Code received then select Confirm. The code must be entered within 30 seconds, if you require the Secure Code to be resent, select Request Secure Code. 19

20 7. View and update your personal details You can view and update your address and contact details by selecting the Settings tab at the top of the screen and then Member Details from the slide-out menu. Click Save to save your changes. Name & Address Information can be found on the first half of the screen. To find out how to update your name with People s Choice Credit Union simply click on Click here for information. The Address section can be updated at any time by selecting the Edit button, updating the information and clicking Save. Residency, contact options and estatements information can be found on the second half of the screen. Information is provided on how to change your country of residency however this can not be updated online. Contact options and contact preferences be can changed by clicking on the Edit button, updating the information and clicking Save. The estatements section will advise if you are registered for estatmentes or not along with the conditions. 20

21 8. View account balances You can view all of your account balances by selecting the Accounts tab on the top of the screen and then Balances from the slide-out menu. All Account names are links. They will take you to the Transaction History page to view or search your previous transaction history or simply select the click on the View Session History on the right hand side of the screen. This section of the side bar can be hidden by clicking on the Hide tab. Within the side bar menu of the Accounts tab you can send/view s by clicking on View Mail under Mailbox. You also have access to the Quick List which provides easy shortcuts to Update my Details and Manage my Statements. To perform a quick transfer or payment, view additional account information, access uncleared transactions or the last 10 transactions recorded in an account in the last 30 days, click on the double downward arrow located next to your account balances. 21

22 9. View Uncleared Transactions A difference between your current and available balances can occur due to uncleared transactions on your account. Uncleared transactions can occur when funds have had a hold placed on them for a specific reason or for the following payment types; Visa (Credit) holds or PayWave purchases Cheque Deposits Pay Easy Payments You can see a list of these transactions by clicking on the red Uncleared Transactions Link displayed under your account when reviewing more details on the Account Balances page. 22

23 Or you can view Uncleared Transactions from the Transaction History page that can be accessed by selecting Accounts from the top menu and then Transaction History from the slide out menu. 23

24 10. View transaction details To view transaction details select the Accounts tab from the top of the screen and Balances from the slide-out menu. Click in the Account pane of the Account you wish to view transactions. Alternatively select Transaction History from the slide-out menu from the Accounts tab. The account with the smallest account number will be displayed by default. To view the transactions of a different account, select the arrow of the dropdown menu and make a different selection. To modify the Transaction search criteria, or to see greater than the last 14 days of transactions, click on the magnifying glass icon located under the account details panel on the right. To download the transactions into XLS, CSV, QIF or QFX format or to print the transactions, click on the downward arrow at the end of the transactions, then select from the options displayed. 24

25 11. Open a new account To open a new Account, select the Apply tab from the top of the screen and then select Create Account from the slide-out menu Close an account To close an existing Account, select the Services tab from the top of the screen and then select Close account from the slide-out menu. Complete a Second Tier Authentication when prompted (these will only need to be selected once each Internet Banking Session) and follow the prompts. Please note the following accounts cannot be closed online: Credit Card accounts Accounts with a negative (debit) balance Your last account (transaction or savings) To close these accounts, please visit your nearest branch or call us on

26 13. Change the order your accounts are displayed You can change the order your accounts are displayed on the Account Balance page by selecting the Accounts tab from the top of the screen and Balances from the slide-out menu. Select the Reorder Accounts link located above your accounts. The Reorder Accounts page is displayed and you can drag each account by selecting the icon to the right of the account balance and dragging into the order you wish to have the accounts displayed. Once you are happy with the account order click Save Order. 26

27 14. Change your Account Name If you want to change the name of your accounts, select the Settings tab from the top of the screen and Update Account Name from the slide-out menu. This will list your accounts and allow you to replace the existing name with a name of your choice (i.e. Holiday account). Click Edit, type the new Account Name and select Save. Alternatively if you decide that you no longer want to change the Account Name select Cancel. 27

28 15. View my bills To view your selected bills register for BPAY View. BPAY View is a way for you to receive and view bills through Internet Banking. Once registered for BPAY View, you are able to view, pay and track payments, making the management of your bills easy. Imagine being on holidays or travelling and not having to worry about bills sitting unpaid in your letter box. BPAY View allows you to go online and check for bills, schedule a payment, or pay them immediately through BPAY. It s also a great way to reduce paper clutter and help the environment. Once registered, select the Services tab from the top of the screen and select BPAY view from the slide-out menu. Follow the onscreen instructions to register for BPAY View, add billers and to view online bills. 28

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30 16. Pay a bill using BPAY To pay a bill using BPAY, select the Transfer/Pay tab from the top of the screen and BPAY from the slide-out menu. Complete a Second Tier Authentication when prompted (A Second Tier Authentication is only required once per Internet Banking Session). Select which account you wish to debit from the drop down menu. You can change your default debit account by selecting the Settings tab and General Settings from the slide-out menu (refer to Section 19 Change the default debit account on my membership). To pay an account from a previous BPAY biller, select the relevant biller from the Payees list on the right hand of the screen and enter the amount you wish to pay. To find your previous Biller easily, you can sort your billers by the Biller Name, Description or the last payment date. You can also search for a previous biller by selecting the Search icon with the magnifying button and typing in your search criteria. Complete the remaining fields by entering the amount you wish to pay. Ensure the Customer Reference Number is correct, as some billers change this number for each bill. Ensure that Update billers is ticked if you would like to save this biller s information in the Payees List on the right hand side of the page. Click the Create Payment button to proceed with the BPAY. Confirm the details on the screen, and when correct click Confirm to finalise the payment or click the Edit Payment link to modify the payment details. You will receive an confirmation if you have this option turned on, refer to Section 6 Change your Address or Internet Banking Alerts. Charges for BPAY apply, please refer to our Rates, Fees and Disclosure Documents section on our website. 30

31 17. Schedule a regular Transfers & BPAY payment or set one up for another day If you wish to schedule a Transfer or BPAY payment for a date in the future or set up a regular Transfer or BPAY, select the Schedule Payment link at the bottom of the page which will display the scheduled payment required fields. Select the date of your first payment, the frequency of the payments from the drop down list and the number of payments you wish to make or click Ongoing for ongoing payments. Click on the Set Schedule button to proceed, the payment details will be displayed. Verify the payment details and click the Confirm button if they are correct or the Edit Payment link if you wish to modify the payment details. You will receive an confirmation if you have this option turned on, refer to Section 6 Change your Address or Internet Banking Alerts. To view and manage your scheduled Transfers & BAPYS select the Transfer/Pay tab from the top of the screen and Edit Scheduled Transfers and BPAYs from the slide-out menu. 31

32 18. Change the default debit account on my membership The default debit account is the account which will always initially appear as the From Account for all Internet Banking debits. To change the default debit account for your membership, select the Settings tab from the top of the screen and General Settings from the slide-out menu. Select the account you wish to use from the drop down list. Click Save to proceed. 32

33 19. View and update my Direct Credits If you have funds credited directly to your People s Choice account on a regular basis such as your Pay, the Direct Credits page will allow you to manage your Direct Credits without having to visit a Branch or calling our National Contact Centre. The initial setup of the Direct Credit still needs to be established via the current process of visiting a branch or calling our National Contact Centre, but you can simply log in to Internet Banking and select the Services tab and Direct Credit from the slide-out menu and you will be able to change the way your credit is split between your accounts. Your existing Credit/s will be displayed on the Summary page so if you want to modify, delete or add splits, click on the relevant Credit and either modify the existing Split or use the Add and Delete buttons to Add or Remove Splits. Click the Save button at the bottom of the page to save all changes. Splits can be made between your own accounts or to other member s accounts but cannot be made to accounts at another Financial Institution. To delete a Direct Credit from the summary page list, or create a new Direct Credit, please visit your nearest branch or call

34 20. Transfer between your accounts To transfer between your accounts, select the Transfer/Pay tab from the top of the screen and then click Transfer from the slide-out menu. Select the accounts you wish to transfer between and enter the amount you wish to transfer. The Reference is a personal description of your transfer and will appear on your statement. To set up a regular transfer or schedule the transfer for a future date, select the Schedule Payment option and select the date of your first transfer, the frequency from the drop down list and the number of transfers you wish to make, or select Ongoing for ongoing payments. Enter the amount you wish to transfer. Click Create Transfer or Set Schedule to process or schedule the transfer. Confirm the details of the transaction and click the Confirm button if correct or the Edit Payment link if you wish to modify the payment details. Note To redraw available funds from a loan account simply select the loan as the From Account. Please ensure that the minimum redraw product amount is entered before continuing. If your loan account does not appear on the list of From Accounts you may not have the redraw facility registered. To register please call (within Australia), (overseas) or visit a branch. 34

35 If you have set up the option to receive alerts, a confirmation will be sent to your nominated address (refer to Section 6 Change your Address or Internet Banking Alerts). To change your default debit account for your membership, select the Settings tab from the top of the screen and General Settings from the slide-out menu (refer to Section 19 Change the default debit account on my membership). To view your scheduled BPAYS and transfers, select the Transfer/Pay tab from the top of the screen and Manage my scheduled transfers from the slide-out menu 35

36 21. Send and receive Fast Payments with PayID Send and receive payments without sharing your BSB and account number with PayID. PayID links your account to your mobile number or to make easy payments. You will be required to: Accept the Terms and Conditions Enter the PayID verification code sent to your Australian mobile number or Register your PayID Select Accounts, then Manage PayIDs to get started. Enter your mobile number or , link your PayID to an eligible account, then choose your PayID Name from the list of approved options. PayID Unavailable? Select Dispute, select Request Code, and then enter the code sent to your registered mobile number or to verify that you own the PayID and lodge a dispute. 36

37 Manage a PayID Select Accounts, then Manage PayIDs and select the PayID you wish to update. Transfer your PayID to a different account or financial institution Select More Options, select Transfer, then follow the prompts within 14 days. Lock or close your PayID Temporarily lock/unlock your PayID by selecting More Options, Lock PayID or Unlock PayID and then Lock or Unlock. Permanently close your PayID by selecting More Options, then Close PayID and then Close. 37

38 22. Transfer funds to another person with Pay Anyone To transfer funds to another person, select the Transfer/Pay tab from the top of the screen and then click Pay Anyone. Complete a Second Tier Authentication when prompted (A Second Tier Authentication will only need to be selected once per Internet Banking Session for first time payees and non-transactional functions). Select between the Now and Later option. If you have transferred to this account previously, you can select the account from the Payee list displayed. To find your previous Payee easily, you can sort your payee by the Payee Name, Description, BSB number or the last payment date. You can also search for a previous payee by selecting the Search icon with the magnifying button and typing in your search criteria. Alternatively select the Someone new option to add in new account information. You have the option to transfer via a PayID or Bank Account, simply click on the icon and enter the required information and press Next to continue. Select which account you wish to debit from the drop down menu, enter the description details, notification and if you would like to save the payee information ensure the favourite box is ticked and enter the payee nickname. 38

39 Note: Wanting to send an receipt to the other person? Simply enter their address within the field; the person will then automatically be notified once the payment is processed. Confirm the details of the transaction and click the Confirm button if correct or the Wrong Person? or Back link if you wish to modify the payment details. If you have set up the option to receive alerts, a confirmation will be sent to your nominated address (refer to Section 6 Change your Address or Internet Banking Alerts). 39

40 23. Make an International Money Transfer (IMT) To make an IMT, select the Transfer/Pay tab from the top of the screen and International Transfers from the slideout menu. Complete a Second Tier Authentication when prompted (A Second Tier Authentication will only need to be selected once per Internet Banking Session). Note: You need to register for International Money Transfers, please call (within Australia), (overseas) or visit a branch. Once registered please ensure your residential and postal address are correct. These can be viewed by going to the Settings tab and selecting Member Details from the slide-out menu. If you wish to receive notifications for International Transfers ensure you ve entered a valid address and you have International Transfer ticked on the Notifications page. You can do this by selecting the Settings tab at the top of the page and Notifications from the slide-out menu and confirming these details (refer to Section 6 Change your Address or Internet Banking Alerts). 40

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42 23. Make an International Money Transfer (IMT) (continued) Once the registration process has been completed and you have checked your residential and postal address, you can complete an International transfer by selecting the Transfer/Pay tab from the top of the page and then International Transfers from the slide-out menu. Select the country you wish to send money to the currency will default to the country s currency. If the country s currency is unavailable, select your desired currency. Enter the amount you wish to send (either the currency amount or AUD equivalent). Click on Get Quote. Once you ve selected Get Quote the International Transfer - Quote screen will appear below. Please ensure you review the quote to check that all the details are correct. If you are happy with the quote click Next, alternatively select another Country, Currency or Amount and repeat the previous step to receive another quote. 42

43 23. Make an International Money Transfer (IMT) (continued) Complete the below payment details, ensure all required fields are complete before clicking Next. If you have completed an IMT before, you can select a previous payee on the right hand side of the screen. To find your previous international payee easily, you can sort your payee by the Beneficiary Account Name, Financial Country Code or the last payment date. You can also search for a previous payee by selecting the Search icon with the magnifying button and typing in your search criteria. Only Transaction Accounts that are not two or more to sign are available to select from From Account dropdown box. Note: If you would like to add in a reference number, invoice number or any additional information select the Purpose as Personal. This will provide you with a free text section and will be displayed to the beneficiary. 43

44 23. Make an International Money Transfer (IMT) (continued) Alternatively if you do not have all of the required beneficiary bank information you can select the Search For A Bank icon. This tool will allow you to search for the beneficiary bank using one of the below fields. It will then prefill all required sections excluding the account number. Once the details have been updated and completed click Search. 44

45 23. Make an International Money Transfer (IMT) (continued) The International Transfer - Pre-Confirmation Screen will then appear. Please review the information and where correct click Update Quote If any details need to be amended click Back, make the necessary changes and re-submit. 45

46 23. Make an International Money Transfer (IMT) (continued) Once you ve clicked on Update Quote you will have 45 seconds to confirm your transfer by clicking on Confirm. If you ve opted in to receive notifications an will be sent to your nominated address containing the key transfer details, (refer to Section 6 Change your Address or Internet Banking Alerts). 46

47 23. Make an International Money Transfer (IMT) (continued) Once your transfer request is successful you can print the information displayed by clicking the Print icon located at the bottom left of the page or you can start another transfer by clicking on the New Transfer button. 47

48 23. Create and schedule Batch Payments Batch Payment processing is a function available in Internet Banking that allows you to set up, maintain and process batches of payments. Payment types include internal and external transfers. Batches can be created manually or by uploading CEMTEX (also referred to as ABA) files that have been generated externally by accounting software. Batch Payments functionality requires Second Tier Authentication and payments are included in the Internet Banking daily transaction limits. Batch Payments processing is available to all members that have Internet Banking access and can be accessed from the Transfers/Pay Tab and selecting Business Banking from the slide-out menu in Internet Banking. For more information please refer to the Batch Payments Guide on our website. 48

49 24. View interest paid or received To view interest paid or received on your accounts in the current or previous financial year, select the Accounts tab at the top of the screen and Interest Details from the slide-out menu. Interest will not be displayed for closed accounts. You can view the current or previous year s interest details by clicking on the appropriate button. 49

50 25. Maintain Investment To access this function select the Services tab from the top of the screen and Maintain Investment from the slide-out menu. Complete a Second Tier Authentication when prompted (A Second Tier Authentication will only need to be selected once per Internet Banking Session). Provide your instructions for existing Term Investments at Maturity. You can advise us to either renew the Investment or withdraw by selecting the drop down options. If the withdrawal option has been selected the funds can be transferred to one of your nominated savings accounts. When selecting to Renew Investment you will have the option to change either the amount or the term (days, months, years). You are also able to select the Interest Rate along with the Investment Payment Method. When selecting to Withdraw Funds you will have the option to withdraw all the funds or simply withdraw a portion and reinvest the remaining funds. A People s Choice Savings Account number will need to be entered for the withdrawal to be completed. 50

51 Before clicking on the Save button ensure you have added in your Best Daytime contact number 26. View Insurance Products If you have arranged CGU Insurance cover with us, select the Accounts tab from the top of the screen and Insurance Products from the slide-out menu to view your Policy number and other policy details. 27. View your People Choice Lite Home Loans If you have a People s Choice Lite Home Loan with us, select the Accounts tab from the top of the screen and Lite Home Loans from the slide-out menu to view your People s Choice Lite Home Loan details. 28. Apply online To apply for Visa Checkout by Visa, a Personal Loan, a Home Loan, a Credit Card, or to receive/opt out of receiving invitations for Credit Card increases or Insurance products, select the Apply tab from the top of the screen and the appropriate option from the slide-out menu. Follow the instructions that appear on the screen. 51

52 29. Activate a new card Select the Services tab from the top of the screen and select Activate Card from the slide-out menu. Enter your card number and expiry date and click Activate. Your card will then be activated. 30. Card Management PIN Change Select the Services tab from the top of the screen and select Card Management from the slide-out menu. Click on the drop down arrow to display all of your active cards, select the card that you would like to change the PIN number on. 52

53 Enter your desired PIN number, confirm the PIN and click Change PIN. Your PIN number will then be changed. 31. Secure Mailbox The Internet Banking Secure Mailbox allows you to send and receive messages in a secure environment to and from People s Choice Credit Union. To access your Secure Mailbox select the Services tab from the top of the screen and Mailbox from the slide-out menu. Complete a Second Tier Authentication when prompted (A Second Tier Authentication will only need to be selected once per Internet Banking Session). Secure Mailbox works like any other service. 53

54 31. Secure Mailbox (continued) To view your messages click on the subject link of the message you would like to view. 54

55 31. Secure Mailbox (continued) To send a secure message to People s Choice Credit Union click on the New Message link. The New Message form will be displayed. Select an Enquiry Type from the drop down list, enter a relevant subject in the subject field and type your message in the message details section, click Send which is located on the bottom of the page to send your message to People s Choice Credit Union or Cancel to cancel sending message and return to the Secure Mail Inbox Page. We will respond to your message by the close of the next business day. If you require immediate assistance please contact us on (if overseas ) weekdays 8am to 8pm or Saturdays 8.30am to 4.30pm(CST). You can also add attachments to your message. Attachments must be one of the following file types:.txt.pdf.doc.docx.xls.xlsx.jpg.jpeg.png.gif.bmp 55

56 31. Secure Mailbox (continued) To view sent messages click on the Sent Items link. To view the content of the sent message click on the subject link and the message will be displayed To delete any of your sent or received messages select the message(s) to be deleted then click Delete located on the bottom of the page. 32. Register for SMS Banking To register for SMS Banking, select the Services tab from the top of the page and SMS Banking from the slide-out menu, complete a Second Tier Authentication when prompted (A Second Tier Authentication will only need to be selected once per Internet Banking Session). Enter your mobile number and read the SMS Banking Terms & Condition then click Register and then Yes to complete the SMS registration process. 56

57 32. Register for SMS Banking (continued) To update your SMS Banking mobile number or to deregister, click on the red Settings icon located on the right under the SMS Banking heading. Change the relevant field(s) and click Save. Once you have registered, SMS your request to The two demand functions available via SMS are: B Send the letter B via SMS and it will return your Account Balances that are available via Internet Banking. Alternatively you can enter B followed by the sequence number in which an account appears in Internet Banking, to retrieve that account balance e.g. B3 - third account. T Send the letter T via SMS and it will return Transactions for the first listed account in Internet Banking. Alternatively you can enter T followed by the sequence number in which an account appears in Internet Banking, to retrieve transactions for that account e.g. T3 - third account. Note There is a 160 character SMS limit so not all accounts may show depending on how many accounts you have and your SMS request. 57

58 33. Mobile Banking Our Internet Banking system is responsive in design, this means you can access full Internet Banking functionality via your mobile device such as ipad, tablet and mobile. Visit our Internet Banking FAQs for a list supported browsers and devices. You can also access our Mobile Banking site Mobile Banking is a convenient way to do your banking anytime, anywhere. Using your web-enabled mobile you can easily: Locate the nearest branch or ATM Contact us Access our website Login to our secure banking site to: Check your account balances View your transaction history Transfer money between your own accounts within People s Choice Credit Union Transfer money to other memberships at People s Choice Credit Union Transfer money to other Financial Institutions Make a Pay Easy Payment via SMS or Pay a bill using BPAY The first time you login to Mobile Banking using your mobile you will need to register a four digit PIN. Once you have successfully registered a four digit PIN you can simply use this PIN to login to Mobile Banking using your mobile. Note You can only register one membership for Mobile Banking on your mobile. You can register for Mobile Banking on another mobile however any single mobile can only be used for one membership. For more information please refer to our Mobile Banking Guide available on our website. 34. Download the iphone and Android Applications The iphone Application is available via the App Store on your phone or can be downloaded via itunes on your PC or Mac. The Android App is available via Google Play on your computer or via the Play Store on your Android Device - simply search for People s Choice Credit Union. Using the App you can easily: Locate the nearest branch or ATM Contact us Access our website Login to our secure banking site to: Check your account balances View your transaction history Transfer money between your own accounts within People s Choice Credit Union Transfer money to other memberships at People s Choice Credit Union Transfer money to other Financial Institutions Pay a bill using BPAY For more information please refer to our People s Choice App User Guide available on our website. 58

59 35. Register for estatements You can register to receive your statements electronically by selecting the Settings tab from the top of the page and by clicking Manage my Statements from the slide-out menu. If you have entered an address for Internet Banking notifications in the Settings tab and notifications slideout menu, it will appear in the Your Address box. You can update the address from this page. Select the Subscribe option from the drop down box. Read and accept the Terms and Conditions. Then click Submit my request. Once you have registered for estatements all your previous statements will be available online in Internet Banking. Note If you update the address in this section it will be updated for all Internet Banking notifications. 36. Viewing your estatements To view your estatements, select the Services tab and View estatements from the slide-out menu. To search for a particular estatement you can enter the start and end date, or statement number and sort statements by statement type or statement number. Click on a View link to view a statement. Clicking on Messages, will enable you to view any important messages that may accompany your statement. A notification will be sent to the nominated address when your estatement is available to view. 37. Update your estatement details To update your address for estatement notifications select the Settings tab from the top of the page and Manage my Statements from the slide-out menu. Enter the new address and click Submit my request. Note If you update the address in this section it will be updated for all Internet Banking notifications. 59

60 38. Unsubscribe from estatements To unsubscribe from estatements, select the Settings tab from the top of the page and Manage my Statements from the slide-out menu. Select Unsubscribe from the drop down menu list and Click Submit my request. Note Depending on the time of the month you subscribe or unsubscribe, changes may not take effect until the following month s statement. 39. Travel Advice Notifications If you are travelling overseas it is important you notify us of the destinations and dates you are travelling, this way we will expect to see foreign transactions on your accounts and keep an eye out for any unusual activity. You can notify us of your travel details by either Internet Banking or contacting our National Contact Centre on To add or cancel a Travel Advice notification in Internet Banking select the Services tab from the top of the screen and then select Travel Advice from the slide-out menu, the Travel Advice Page will be displayed. To add a new Travel Advice click Add Travel Advice Enter the Travel Advice details requested on the page, if the destination you are travelling is not in the Destination drop down list enter the destination in the Other field. Check all your details are correct and click Add to add the Travel Advice Notification. On a successful add all your current Travel Advice notifications will be displayed. 60

61 39. Travel Advice Notifications (continued) If you are travelling to multiple destinations enter a travel note for each destination, for example, if you are visiting different countries in Europe, you will need to add each country and the dates you are visiting, separately. To cancel a Travel Advice Notification click on the Cancel button on the far left of the Travel Advice you would like to cancel, the confirmation pop up will be displayed, click Cancel to confirm your cancellation. 61