1. Internet Banking with Summerland Online Security Logging On to Internet Banking Internet Banking Passcode...

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2 Contents 1. Internet Banking with Summerland Online Security Logging On to Internet Banking Internet Banking Passcode The Welcome Page Transaction History Interest Details Transfer transfer funds between your accounts Pay Member transfer funds to another Summerland customer Pay Anyone transfer funds to another Financial Institution Paying bills using BPAY International Transfers Auto Transfers Edit Payees Batch Processing Payroll Details Activate Cards via Internet Banking Update Card Status estatements Alerts BPay View Secure Mail Open an account Loan Application Address Details Contact Details Personal Details Employment Details Changing Your Passcode Account Reorder Notifications Two (2) Factor Authentication Preferred Account Daily Limits Frequently Asked Questions Internet Banking User Guide Page 2

3 1. Internet Banking with Summerland Internet Banking provides a modern online banking platform, with great features and security protection. Device Independent designed to be used on PC s, laptops, tablets and smartphones enabling you to do all your online banking wherever, whenever and however you want. Responsive Design responds to changing screen sizes and orientations, eliminating the need to zoom in and out, ensuring a seamless experience regardless of the device you use. Easy Navigation slide out menu s that help you to easily find your way around and always know where you are. Simple to Use clear uncluttered design and layout with colours used to clearly and easily differentiate your account types and status. Internet Banking User Guide Page 3

4 2. Online Security When creating your passcode, make sure you create a passcode that nobody else will be able to guess. Do not use details from your date of birth, telephone number or any other easily-guessed series of characters or your name. You must keep your passcode secret. Do not share it with anyone including family, friends and other institutions, or let anyone else see it. Never write your passcode down without making reasonable attempts to keep it safe. Never store your passcode with your computer or internet-enabled device. We will never ask you for your passcode. Unauthorised use of your passcode should be reported to us immediately. If you suspect that someone else has used your passcode, knows your passcode, or you have written your passcode down and lost it, you should tell us and change it as soon as possible. In addition to keeping your passcode safe, there are some other things you can do to stay secure when using Internet Banking. Make sure your computer or internet-enabled device is free from malicious software (malware) by keeping your software up-to-date. Use reputable and reliable antivirus and firewall software. If you believe you have a virus, do not logon to Internet Banking until the threat has been removed from your system by updating your virus data files, re-scanning your computer and removing all detected viruses. Do not open attachments if they look suspicious or you were not expecting to receive them. Do not give anyone your personal information or passcode when asked in an . Be aware that Summerland will never ask for your passcode, and that a common fraud method to try and obtain your details is phishing s. Never reply to such s. Always remember to log out of Internet Banking when you are finished. The following websites provide some practical tips to assist in protecting your security whilst online: Scamwatch Stay Smart Online Anti-Phishing Working Group Internet Banking User Guide Page 4

5 3. Logging On to Internet Banking To use Internet Banking click on Internet Banking from the Bank Online toolbar on the right hand side of the home screen on Summerland s website. Enter your customer number and Internet Banking passcode. Internet Banking User Guide Page 5

6 The first time you log onto Internet Banking, you will need to agree to the Terms and Conditions by clicking on the I Accept button at the bottom of the screen before you can continue. Note: A security feature of Internet Banking is that your account will be locked if you do not log in to Internet Banking within 90 days. To unlock your account, call us on If you have provided Summerland with your mobile phone number and you have forgotten your passcode, you can select the Reset Passcode link beneath the Log In button. In either case only after you have been identified will you be provided with a temporary passcode and advised to change it as soon as possible. If you do not change your temporary passcode within 30 days, your account will be automatically locked again. Internet Banking User Guide Page 6

7 4. Internet Banking Passcode Passcode Reset If you ve forgotten your Internet Banking Passcode you can use the Passcode Reset function found on the Log In page of Internet Banking. Click the Reset Passcode link under the Log In button. You will be presented with prompts to enter your membership details. Once you ve entered your details correctly and they match your membership details, confirm the request and you ll receive an SMS to your registered mobile number containing your temporary Internet Banking Passcode. Return to the Internet Banking Log In page and enter your temporary passcode, you ll immediately be prompted to change the temporary passcode once you ve logged in. Note: To use this service, you must have a mobile number listed on your membership with Summerland. If you haven t provided Summerland with your mobile number call us on Changing Your Passcode We recommend that you update your Internet Banking Passcode regularly. To change your Internet Banking Passcode select the Settings tab on the main menu at the top of the screen and select Change Passcode from the slide-out menu. Generate and enter your Two (2) Factor Authentication code when prompted (ref. Section 32 - Two (2) Factor Authentication). Enter your current passcode in the first field and your new passcode in the second and third fields. Internet Banking User Guide Page 7

8 Passcodes should be between 6 and 20 characters long, contain at least one (1) numeric digit and one (1) 1 upper and lower case letter. Passcodes should not contain part of your name, your date of birth, or your customer number and must be different to your previous 5 passcodes. Internet Banking User Guide Page 8

9 5. The Welcome Page The first screen you will see after logging on to internet banking is the Welcome page. This page allows you to view your accounts and account balances at a glance. You can change the order your accounts are displayed by clicking the Reorder Accounts link located above the first displayed account, view additional account information, last 10 transactions and quickly access common transactions by clicking on the 3 dot icon located next to the account balance. Every time you log on to Internet Banking you should check the Information Panel on the right of the Welcome Page for any unread Secure Mail, new estatements, or Batches awaiting approval. You should also check the dates of your last login and last transactions and if any of this information is incorrect call To access other Internet Banking functions select the appropriate tab from the menu at the top of the screen. You can return to the Welcome Page at any time by clicking on the Summerland Logo at the top left of your internet banking session or selecting the Accounts tab from the main menu at the top of the screen then Balances from the slide-out menu. Note: The last logged in time is in Central Standard Time (CST). Internet Banking User Guide Page 9

10 6. Transaction History To view transaction details select the Accounts tab from the main menu at the top of the screen then History from the slide-out menu. Alternatively from the Welcome Page click on the account name. To modify the search criteria click on the magnifying glass icon at the left of the screen above the transaction list. To view the transaction histories for a different account click on the arrow icon beside the account balance and scroll to select the account. All holds and unclear funds on the account will be displayed at the top of the transaction history. To print or download the transaction information click on the Download icon at the bottom of the screen. Available download formats include.xls,.csv and.gif. Internet Banking User Guide Page 10

11 7. Interest Details To view interest earned and paid on each of your accounts for this year and last year select the Accounts tab from the main menu at the top of the screen and then Interest Details from the slide-out menu. To print this page select the Printer icon at the bottom left. Internet Banking User Guide Page 11

12 8. Transfer transfer funds between your accounts To transfer funds between your own accounts select the Transfer/Pay tab from the main menu at the top of the screen and then Transfer from the slide-out menu. When using this option, you will see all the accounts that you are authorised to transfer from. Select the accounts you want to transfer from and to. The Reference is a personal description of your transfer and will appear on your statement. Click on the Pay Now button or to set up a regular transfer or schedule the transfer for a future date, click the Schedule Payment link at the bottom left of the screen. Select the date and frequency or number of payments you wish to make and then click on Set Schedule. Confirm the details of your transaction and click the Confirm button or to modify the details click the Edit Payment link. If you have set up the option to receive alerts, a confirmation will be sent to your nominated address (ref. Section 31 - Notifications). To change your default debit account refer to Section 33 Preferred Account. If your account requires more than one (1) signature to approve any transactions, you need to perform your transfers through the Batch Processing menu (ref. Section 15 - Batch Processing) Internet Banking User Guide Page 12

13 9. Pay Member transfer funds to another Summerland customer To transfer funds to another Summerland customer select the Transfer/Pay tab from the main menu at the top of the screen then select Pay Member from the slide-out menu. Select the account you want to transfer from and enter a description, the account number (not the member number) of the person you want to transfer to and in the Pay To field the first three letters of their surname. For example if you were transferring funds to someone with the surname Johnson, you would enter JON in the Pay To field. When transferring to business accounts the same rules apply. For example, if you were transferring funds to Tyre s Galore you would enter TYR in the Pay To field. Once you have entered all details click on the Pay Now button or to set up a regular Pay Member transfer or schedule the transfer for a future date, click the Schedule Payment link at the bottom left of the screen and select the date and frequency or number of payments you wish to make and then click on Set Schedule. If you have set up the option to receive alerts, a confirmation will be sent to your nominated address (ref. Section 31 - Notifications). To save Payee details for future use, tick the Update Favourites tick box. You can then pre-populate your Pay Member transaction fields for future transactions by selecting the Payee from the Favourites list on the right hand side. For more information on editing Payee information refer to Section 14 Edit Payee s. Internet Banking User Guide Page 13

14 10. Pay Anyone transfer funds to another Financial Institution To transfer funds to another financial institution select the Transfer/Pay tab from the main menu at the top of the screen then select Pay Anyone from the slide-out menu. Select the account you want to transfer from, enter a description, the BSB, account number, account name of the person you want to transfer to, a reference and the amount you wish to transfer. Once you have entered all the details click on the Pay Now button or to set up a regular Pay Anyone transfer or schedule the transfer for a future date, click the Schedule Payment link at the bottom left of the screen and select the date and frequency or number of payments you wish to make and then click on Set Schedule. If you have set up the option to receive alerts, a confirmation will be sent to your nominated address (ref. Section 31 - Notifications). To save Payee details for future use, tick the Update Favourites tick box. You can then pre-populate your Pay Anyone transaction fields for future transactions by selecting the Payee from the Favourites list on the right hand side. For more information on editing Payee information refer to Section 14 Edit Payee s. Internet Banking User Guide Page 14

15 11. Paying bills using BPAY BPAY allows you to pay a bill with any company that is a registered biller. Payments can be made in advance of the current date and you can also set up regular recurring payments (auto transfers). Please be aware that a Pay Now - BPAY cannot be reversed. To perform a BPAY payment select the Transfer/Pay tab from the main menu at the top of the screen then select BPAY from the slide-out menu. Select the account you want to debit, enter a description, Biller Code, and Customer Reference Number (CRN). The Biller Code and CRN can be found on your bill. Once you have entered all the details click on the Pay Now button or to set up a regular BPAY payment or schedule the payment for a future date, click the Schedule Payment link at the bottom left of the screen and select the date and frequency or number of payments you wish to make and then click on Set Schedule. If you have set up the option to receive alerts, a confirmation will be sent to your nominated address (ref. Section 31 - Notifications). Note: Some Biller Codes and Customer Reference Numbers may change month by month and therefore future dated payments loaded now may be rejected in the future. To save Biller details for future use, tick the Update Billers tick box. You can then pre-populate your Biller transaction fields for future transactions by selecting the Biller from the Favourites list on the right hand side. For more information on editing Saved Payee and Biller information refer to Section 14 Edit Payee s. Internet Banking User Guide Page 15

16 12. International Transfers To transfer money internationally, select the Transfer/Pay tab from the main menu at the top of the screen then International Transfers from the slide-out menu. Generate and enter your Two (2) Factor Authentication code when prompted (ref Section 32 - Two (2) Factor Authentication). Select the country you wish to send money to the currency will default to that country s currency. If the currency is unavailable, select your desired currency. Enter the amount you wish to send (either in the foreign currency or AUD equivalent) and click on Get Quote. The International Transfer Quote screen will appear. You should carefully review the quote and only if all details are correct click Next. Alternatively select Another Quote to return to the previous step and amend details. Internet Banking User Guide Page 16

17 Complete the International Transfer Purpose of payment, Payment and Beneficiary details form and click Next. Review the International Transfer Pre Confirmation screen and if any details need to be amended click Back otherwise click Update Quote. Once you ve clicked on Update Quote you will have 45 seconds to confirm your transfer by clicking on Confirm. We recommend opting to receive notification s for International Transfers (ref. Section 31- Notifications). Internet Banking User Guide Page 17

18 13. Auto Transfers Auto Transfers are future dated payments which can be made up of one off or recurring internal transfers, Pay Member, Pay Anyone or BPAY transfers. These transfers can also be loaded at a Summerland branch or on Telephone banking. To view and maintain Auto Transfers select Transfer/Pay from the main menu at the top of the screen then select Auto Transfers from the slide-out menu. On this page you are able to view, edit or delete an auto transfer by clicking on the 3 dot icon at the right of the transfer amount. Note: You will need to be registered for Two (2) Factor Authentication to amend or delete some Auto Transfers. Internet Banking User Guide Page 18

19 14. Edit Payees When creating a Pay Member, Pay Anyone or BPAY transaction you can save the Payee details by ticking the Update Favourites tick box. You can then pre-populate your Pay Member, Pay Anyone or BPAY transaction fields by selecting the Payee from the Favourites list on the right hand side of the screen. To view or edit the Payee or Biller details select the 3 dot icon to the right of the payee name. Internet Banking User Guide Page 19

20 15. Batch Processing Batches are often used by businesses or on accounts requiring more than one (1) signature to approve transactions. Batches usually contain a number of transactions and can include Transfers, Pay Member, Pay Anyone or BPAY transactions. Batches can be one-off or future-dated, and are commonly used so details do not have to be re-entered, except for the amount, such as payrolls or regular payments. To access Batch Processing select the Transfer/Pay tab from the main menu at the top of the screen then Batch Processing from the slide-out menu. All batches will be displayed on the Batch Payments page. You can view just pending, scheduled or processed batches by clicking the relevant tab. To delete, view, edit, process or re-process a Batch select the 3 dot icon to the right of the Batch amount. Batches can be created manually or by uploading a CEMTEX file that has been generated externally by accounting software. CEMTEX files are also referred to as ABA files. Internet Banking User Guide Page 20

21 Creating Manual Batches To create a new Manual Batch, select Create Batch then Manual Batch. Select the account from which the batch payments will be debited from the From Account drop down list. Enter the name of the Batch in the Batch Name field and click Create Batch. Click the Add Payment link then select the transfer type. Enter the transfer details and click create payment. Check the transfer details before selecting Confirm to add the payment to the batch. Click Back to Batch to return to the Batch details page. Repeat these steps to add further payments. Internet Banking User Guide Page 21

22 Creating CEMTEX Batches To create a new CEMTEX Batch select Create Batch then Upload Batch. Select the account from which the batch payments will be debited from the From Account drop down list. Enter the name of the Batch in the Name Field and then select the file to upload by clicking on the Upload icon to the right of the Select File field. Select the CEMTEX file and click Create Batch. Payroll - Dec Payroll_eft101.aba Internet Banking User Guide Page 22

23 Processing Batches Batches that have not been processed will show a status of New and will be listed as Unscheduled or Pending. To process a Batch select the 3 dot icon beside the relevant batch, then the Process tab. Enter the batch payment date and click Process. Batches can be scheduled for processing straight away or on a future date. Click Yes to process the batch and return to the main Batch Payments page. Internet Banking User Guide Page 23

24 If you have selected to process a batch straight away the status will show Scheduled or Processed, otherwise the status will show as Scheduled. Internet Banking User Guide Page 24

25 Creating a Batch on two to sign accounts On accounts that require more than one (1) signature to authorise a transaction, the batch must be created by one signatory to the account and Processed by another. The first signatory creates the batch in the same manner as described above, however instead of selecting the Batch to be Processed they select Approve. This saves the batch with a status of Awaiting Approval and sends a notification via Internet Banking to the other signatory to the account who must authorise and Process the batch. When the second signatory logs in to Internet Banking they will see a notification in the Information Panel to the right of the Welcome Page indicating that a batch has been loaded and is awaiting their approval. To view the batch details and authorise the batch for processing select the View Batches link, then the 3 dot icon to the right of the relevant batch with the status of Needs Your Approval. Select Process to schedule the batch for processing. Internet Banking User Guide Page 25

26 16. Payroll Details To view direct credit suppliers for your accounts including the last date a payment was received and the amount, select the Services tab from the main menu at the top of the screen then Payroll Splits from the slide-out menu. Internet Banking User Guide Page 26

27 17. Activate Cards via Internet Banking If you have received both your card and PIN, you can activate your card in internet banking by selecting the Services tab from main menu then Activate Card from the slide-out menu. Select the card number from the drop down list, enter in the expiry date and click activate. 18. Update Card Status If you have lost your card or suspect that it may have been stolen it is important that you advise Summerland as soon as possible. You can quickly update the status of your card by selecting the Services tab from the main menu at the top of the screen then Update Card Status from the slide-out menu. Select the card from the drop down list and then the update the status to Lost or Stolen. This will immediately change the status of your card and prevent potential misuse. Please contact us to order a replacement card if required. Internet Banking User Guide Page 27

28 19. estatements Registering for estatements estatements are a convenient way to view your monthly statements online rather than receiving them by mail. In most cases, estatements will be available on the second day of the month. We will send an notification to you when your statement is ready to view. To register for estatements select Settings from the main menu and then Manage estatements from the slide-out menu. Select the address for notifications, read and accept the Terms and Conditions and then click Submit my Request. To unsubscribe from estatements select Deregister from the Action drop down box and then click Submit my Request. Viewing estatements To view your estatements, select the Services tab from the main menu 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. Click on the View link to view a statement. Click on Insert to view any important notices or inserts accompanying your estatement. Internet Banking User Guide Page 28

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30 20. Alerts Alerts allow you to keep track of your account balances and other account activity via a text message (SMS) to your mobile phone or . To register for Alerts select Services from the main menu then Alerts from the slide-out menu. You will need to enter your mobile phone number and select the account to charge SMS fees. You can also specify how you want to receive alerts (e.g SMS, or both) and the times you want to receive your alerts. You can nominate to receive global alerts or account specific alerts. Global alerts occur when a direct credit or direct debit is processed on your account. Account specific alerts occur when your account balance falls outside your chosen minimum and maximum balance or at a time scheduled by you (e.g. every 9:00am). You can view and change your alert settings at any time. Internet Banking User Guide Page 30

31 Security and Privacy The content of our SMS messages to you may include information about your account balance or transactions that you may wish to keep private. Once we have sent the SMS message to your nominated phone number, we have no control over who may access this information. To keep your information private, you should protect and control who can access your mobile phone and delete our SMS messages from your mobile phone after you have received them. You should also tell us immediately if your nominated phone number is disconnected, suspended or changed, as your telecommunications provider can assign your old number to a new customer! Internet Banking User Guide Page 31

32 21. BPay View Register for BPay View and you can choose to receive your bills electronically via Internet Banking. To view your bills select the Services tab from the main menu at the top of the screen then BPAY View from the slide-out menu. Register your details. Add a new biller by entering the Biller Code and selecting the search button. Internet Banking User Guide Page 32

33 Enter the BPAY View Registration number and customer reference number off your bill and click Add Biller. Internet Banking User Guide Page 33

34 22. Secure Mail Internet Banking Secure Mail facility enables you to send and receive messages and attachments in a secure environment from and to Summerland Credit Union. To access your Secure Mailbox select the Services tab from the main menu and Mailbox from the slide-out menu. Alternatively you can access Secure Mail from the Information Panel on the right hand side of the Welcome page. Secure Mail works like other services. To view your messages click on the Subject link. To view sent messages click on Outbox. To send a new message, click on the Compose link. You can also include an attachment with your message. File types include the following and should be no more than 1024kb. doc docx xls xlsx pdf Internet Banking User Guide Page 34

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36 23. Open an account To open a new saving, transaction or fixed term deposit account select the Apply tab from the main menu at the top of the screen then Open Account from the slide-out menu. Select the account type you want to open, enter an account name, opening deposit amount and nominate the account from which the deposit funds will be debited. Internet Banking User Guide Page 36

37 Check the account information is correct, read and accept the Terms and Conditions before selecting Create Account. You can also opt to receive an notification once the account has been created. Internet Banking User Guide Page 37

38 24. Loan Application The loan application feature, referred to as Internet Lending allows you to submit a loan application online. Before you start, please make sure you have all of the following documentation: Pay slips or other proof of income to support your loan application Evidence of minimum of six (6) months employment records Evidence of current mortgage(s) or rental payments Evidence of any loan(s) you may have outstanding excluding Summerland Evidence of any credit cards or store accounts (including limits), whether or not there is an outstanding balance Details of at least two Referees who are not living with you. Please inform these people you have provided us with their details. To apply for a loan via internet banking select the Apply tab from the main menu at the top of the screen then Apply for a Loan from the slide-out menu. You will begin at the Select Loan page and proceed through each section by using the Next button at the bottom of the page, or by using the menu buttons located on the left. Internet Banking User Guide Page 38

39 Each menu button displays a coloured light that allows you to see at a glance the status of that page and has a Handy Hint at the top to help guide you through the process. When completing each page, any field marked with * (Asterisk) is compulsory. Hover your mouse pointer over the green question marks (known as Tooltips) to get help on entering information into a field. Note: You will not be able to submit your loan application unless all compulsory information is completed. If you do not complete a compulsory field, the menu button will turn red, indicating an incomplete page. Each time you make a change to a page, you must click the Save Record button to keep those changes. Some fields may be pre-populated by information from our databases. In these instances, please be sure to check this information before proceeding to ensure it is correct. To change or update the details on an existing record, click the radio button beside the record you wish to edit. Once you have progressed through the different pages and reach the Questions page, you are required to read the Privacy Information and Declaration. If you agree, select the Yes button and click Save Record. If you don t agree, you will not be able to proceed with the application. The Summary page provides a list of all the details you have entered. It will also notify you if you have missed any vital information. Please review all the information carefully before proceeding. The Submit page contains questions and information regarding insurance as well as allowing you to specify a time that best suits you to be contacted about your loan application. If you have any questions or comments, you can type them into the General Comments box before submitting your application. Note: You will not be able to submit your loan application unless all compulsory information is completed. Look for red lights to locate pages with missing information. Internet Banking User Guide Page 39

40 25. Address Details You can view and update your address details by selecting Settings from the main menu at the top of the screen and then Address Details from the slide-out menu. Enter your new address information and select Save Details. Internet Banking User Guide Page 40

41 26. Contact Details To view and update your contact details select Settings from the main menu at the top of the screen and then Contact Details from the slide-out menu. Enter your contact details such as home phone, business phone, mobile phone, fax and addresses and select Save Details. Note: You need to be registered for Two (2) Factor Authentication to use this feature. Internet Banking User Guide Page 41

42 27. Personal Details To view and update your personal details select Settings from the main menu at the top of the screen and then Personal Details from the slide-out menu. Update your personal details, such as residence type, marital status, education and number of dependants and select Save Details. Internet Banking User Guide Page 42

43 28. Employment Details To view and update your employment details select Settings from the main menu at the top of the screen and then Employment Details from the slide-out menu. Update your employment details, such as current employer name, their address, phone, etc, as well as previous employer details and select Save Details. Internet Banking User Guide Page 43

44 29. Changing Your Passcode To change your Internet Banking Passcode select the Settings tab on the main menu at the top of the screen and select Change Passcode from the slide-out menu. Enter your current passcode in the first field and your new passcode in the second and third fields. Remember that passcodes are case sensitive. Passcodes should be between 6 and 20 characters long, contain at least one (1) numeric digit and one (1) upper and lower case letter. Passcodes should not contain part of your name, your date of birth, or your customer number and must be different to your previous 5 passcodes. Be aware that Summerland will never ask for your passcode, and that a common fraud method to try and obtain your details is phishing s. Never reply to such s. Note: You need to be registered for Two (2) Factor Authentication to use this feature. Internet Banking User Guide Page 44

45 30. Account Reorder You can change the order your accounts are displayed by clicking on the Reorder Accounts link on the Welcome page or by selecting the Settings tab from the main menu and then Account Reorder from the slide-out menu. Reorder accounts by selecting the Account Reorder icon to the right of the account balance and dragging the account up or down into the order you want. To save the new order click the Save Order button. Internet Banking User Guide Page 45

46 31. Notifications 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 from the main menu at the top of the screen then select Notifications from the slide-out menu. Enter your address and update the type of notifications you wish to receive. Click the Save button to save your changes. Internet Banking User Guide Page 46

47 32. Two (2) Factor Authentication Two (2) Factor Authentication (2FA), helps protect you from unauthorised transactions on your account. Summerland Internet Banking customers have the choice of two forms of 2FA, Secure SMS or VIP Security. 2FA is required when performing the following functions in Internet Banking: Change Password Update Contact Details International Transfers Secure SMS registration / deregistration Transactions equal to or higher than $500 (excluding those to your own accounts) Transferring funds to someone outside Summerland you have not previously transferred to (inc. BPAY). When using Batch Processing Maintaining Scheduled Transfers Secure SMS Secure SMS uses your mobile phone to provide an extra level of security when performing certain transactions within Internet Banking. Each time you perform one of these transactions you will be prompted to Request SMS Code which will be forward to the mobile phone you have registered with us. You will then enter and Validate the randomly generated 6 digit code provided before continuing with your transaction. To register for Secure SMS click on the Settings tab in the main menu then Secure SMS from the slide-out menu. Internet Banking User Guide Page 47

48 VIP Security (Tokens) VIP Security is a 2FA alternative to Secure SMS. VIP Security can be accessed via a physical VIP Token which can be attached to your keychain or via VIP Access for Mobile a free downloadable mobile phone App that transforms your mobile handset into a one-time-passcode (OTP) generator, the equivalent to the VIP Token. Before you can use your VIP Token or VIP Access for Mobile App you will need to register your token in Internet Banking. To register your token select the Settings tab from the main menu then Register Token from the slide-out menu. Enter the Credential ID (12 digit alpha/numeric code), which can be found on the back of the device. For VIP Access for Mobile the Credential ID is prominently displayed inside the application. You will then need to request and enter two unique Security codes, read and acknowledge the Terms and Conditions and then click Register'. You'll then see a confirmation message stating registration is complete. Internet Banking User Guide Page 48

49 33. Preferred Account The Preferred Account is the default account which will appear first as the From Account for all transfers in Internet Banking. You can change your Preferred Account by selecting the Settings tab from the main menu at the top of the screen then Preferred Account from the slide-out menu. Click the drop down arrow to the right of the account and select your new preferred account. Click Save to save your preference. Only eligible accounts are displayed and if a preferred debit account is not nominated the default account will be the first eligible account in the list. If a two to sign account is nominated as the preferred account it will only be applicable when in Batch Processing. The default account for other transactions will be the first eligible account to display. Internet Banking User Guide Page 49

50 34. Daily Limits Standard transfer limits on a membership are set at $50,000 per day for Pay Member transfers, and $5,000 per day for External funds transfers to other financial institutions. When transferring funds, making a BPay transaction or processing Batches, the total amount of these transfers must not exceed this daily limit or they will fail. When a batch needs to be authorised by two or more people, each person responsible for processing and authorising the batch must have a daily limit above the total batch amount plus any transaction processed on Internet Banking that day, or transactions in the batch will fail once the limit is reached. Members needing a higher daily limit need to contact the credit union on Internet Banking User Guide Page 50

51 Frequently Asked Questions Q: I have received a VIP Token from Summerland Credit Union. Can I use it immediately? You can use your token as soon as you register it through Internet Banking. Q: How do I register my security token? To register your token select the Settings tab from the main menu then Register Token from the slide-out menu. Enter the Credential ID (12 digit alpha/numeric code), which can be found on the back of the device. For VIP Access for mobile the Credential ID is prominently displayed inside the application. Q: Can I use a token I received from another bank? Yes, if it is a Verisign token, you can register the same token to use with Summerland Internet Banking. Q: When will I need my security token? To transfer funds outside your membership via BPAY or Electronic Funds Transfer, using Batch Processing, making International Transfers, modifying or deleting some Scheduled Transfers, or when making changes to other secure areas of Internet Banking such as Change Password' or Update Contact Details'. Q: What if the Security code is not accepted? If you take longer than the permitted time period to enter the Security code, you will receive an error message. If this occurs, wait till the screen clears and press the button on your token to generate a new Security code. If your Security code is still not accepted, please contact our Support Centre on Q: Do I need to install another device or software in order to use my token? No. Q: Can I have 2 tokens? No. Internet Banking only allows you to register one token per membership. Q: Can someone else use my token? No, your token cannot be shared. Q: What action do I take if my token is damaged, lost or stolen? If your token is damaged, lost or stolen, please contact our Support Centre immediately on to de-register. We can then provide you with a replacement token if necessary. Q: Can I change the battery in the token? No. The battery should last up to five years, but battery life depends on how frequently you use your token. The battery cannot be replaced. Do not attempt to open the token at any time as this may damage it. Simply order a new token by calling our Support Centre on Internet Banking User Guide Page 51

52 Q: Can different signatories with the Membership have different levels of access within Batch Processing? Yes. There are different levels of authority within Batch Processing. Full Access Authority allows a signatory to view, create, update, approve and submit a batch. Batch View Only will disable batch access in batch processing. A signatory will be able to view existing batches in Batch Processing. Create and Update allows a signatory to view, create, update (change) a batch but not approve, delete or submit. Create, Update and Approve allows a signatory to view, create update (change) delete and approve a batch, but not submit a batch. An example of how these authorities might work is Full Access for a company director and Create and Update Only for a bookkeeper or accountant. Q: If a Membership is set on two to sign and both signatories have full access can one signatory create and submit the batch. No. If the Membership is set to two to sign then one signatory with Full Access will need to Create and Approve the batch for the second signatory to Process. Q: Can I use multiple accounts to process a Batch Payment? No. You can only debit one account within the same batch. Q: Is there a limit on the number of transactions that can be included in a Manual or Cemtex batch? Yes. Cemtex files are limited to 1,000 transactions, with manually loaded batch transactions limited to 50. Q: Can I edit the transactions in a Cemtex batch? No. If you want to change transactions included in a Cemtex batch you will need to do this in the external accounting software and then reload the Cemtex File. Q: If transactions fail in a Cemtex batch do I have to create a new batch with the rejected transactions? No. Uploaded Cemtex Batches can be re-run and only the failed transactions will be posted. Select the 3 dot icon to the right of the relevant batch and re-do failed. Q: If transactions fail in a Manual Batch do I have to create a new batch with the rejected transactions? Yes. A new batch with the rejected transactions will need to be created. Partial Manual Batches cannot be posted. If the batch is re-processed, the system will process the previous successful transactions again. In this case we recommend you load a new batch for the failed transactions. Q: If ALL transactions fail in a Manual Batch do I have to create a new batch with the rejected transactions? No. A batch containing failed transactions can be re-run by selecting the 3 dot icon to the right of the relevant batch and then selecting re-do failed. Before doing this we recommend selecting view/edit to see more details on the failed transaction. Q: Can I re-submit a processed batch? Yes. Select the 3 dot icon to the right of the processed batch then View/Edit. If you need to change the individual transaction details click on the 3 dot icon beside the relevant transaction, update the details and select Save. To process the batch simply select Process. Internet Banking User Guide Page 52

53 Q: Can a batch contain different types of transactions? Yes. A batch can contain a combination of Transfers, Pay Member, Pay Anyone and BPAY transactions. Q: Can a batch be created for an amount greater than the daily limit? Yes. A batch can be created for an amount greater than the daily limit. Transactions within the batch will be processed until the daily limit is reached. The batch status will show as Processed with the number of failed transactions in brackets e.g STATUS: PROCESS ON 01/01/2000 (2 FAILED). Q: If I reset my passcode what mobile number will my temporary passcode be sent to? The SMS containing your temporary passcode will be sent to the mobile number you have set to receive alerts. Internet Banking User Guide Page 53