Mobile Banking User Guide Updated 10 July 2017 Nexus Mutual is a trading name of EECU Limited ABN 35 087 650 039 AFSL/Australian Credit Licence 244356 (M1536 7/17)
Contents General information... 2 System requirements... 2 Security... 2 The home screen... 3 Registering for Mobile Banking on your device.... 4 Viewing a list of registered devices and de-registering a device.... 5 Enabling/disabling Touch ID (fingerprint) authentication... 5 To log in... 6 To log out... 6 Forgotten PIN.... 6 Changing your PIN.... 6 Checking your account balances and viewing transactions... 6 Transfer money between your Nexus Mutual accounts.... 8 Transfer money to other Nexus mutual members (Pay another member).... 8 Transfer money to other Financial Institutions (Pay anyone).... 9 Pay a bill using BPAY... 10 Setting up future dated and regular transfers or payments... 11 Sending or printing transaction receipts or notifications... 13 Page 1 of 13
General information The Nexus Mutual Mobile Banking app is a streamlined service that allows you to access the best features of our Internet Banking services with a simple tap and swipe anytime and anywhere you have an internet connection. If you are registered for Internet Banking you will automatically be eligible for Mobile Banking. The Android app is available from the Google Play Store and the iphone App from the itunes App Store on your mobile device. You can also download either version of the app via https://www.nexusmutual.com.au/transact/mobile/ If you want to access more complex services, you will still need to log into your internet banking service which is also mobile friendly. Mobile data usage charges may apply. Check with your mobile service provider for details. For full Terms and Conditions, please review our Account and Access Facility Terms and Conditions at https://www.nexusmutual.com.au/help/disclosure-terms-conditions/ If you have any questions about our Mobile Banking app please contact our Member Engagement Team on 1300 65 33 28. System requirements Nexus Mutual s Mobile Banking app requires an Android operating system of 4.0 or above, and an operating system of ios7 and above for Apple devices. To check which version your device is running under (may vary on some devices) go to: Android: Settings>About device>software Updates. Apple: Settings>General>Software Update. Security Don t keep your member number and internet banking password with your mobile device. Don t divulge your member number or mobile banking PIN to any person. Don t use a security PIN that would be easily guessed e.g. year of birth, home post code etc. The Apple version of the app will time out and automatically log out after 5 minutes. The Android version does not time out if the app is left in the foreground with the screen on. For the automatic time out feature to work the screen timeout will need to be set on your device. If for any reason you believe that the security of your account may have been compromised you should change your PIN immediately and contact the credit union on 1300 65 33 28 for further advice. Page 2 of 13
The home screen When you open the app the first screen to be displayed is the home screen. From here it is a simple matter of tapping the Accounts, Transfer or BPAY options to either register for the first time, or if already registered enter your existing security PIN/Touch ID authentication to access Mobile Banking. Refer to the Registration of device and Enabling/disabling Touch ID (fingerprint) authentication sections of this guide for information on registering and setting up your four digit security PIN and Touch ID authentication. From the home screen you can also email or phone us, locate an ATM or use one of our handy calculators by tapping the appropriate icon. To access additional functionality tap on the select from the available list. main menu icon in the top left corner of the screen and When an ipad is displaying in landscape mode the screen will show the main menu to the left of the page constantly, eg below Below are some of the icons that provide easy touch access to various services once registered for Mobile Banking. Accounts When selected the Accounts icon will launch the request for your PIN/Fingerprint login if not already logged in, after authentication account balances will be displayed. Payments As with the Accounts icon the Transfer, Pay Member, Pay Anyone and BPAY buttons will bring up the request for your PIN/Fingerprint login if not logged in then take you to the appropriate payment screen. Note: You can change the payment icons (i.e. Transfer, BPAY etc) by holding down either icon; a list of options will appear; select the feature you d like to display. Page 3 of 13
Android devices have a pop up list Apple devices have a scroll bar Main menu Located in the top left corner of the screen. Selecting this gives you access to all the services and functions available on the app. Phone Touch this icon to call our 1300 number. Email Touch this icon to email our Member Service Department ATM Locate your nearest ATM with this feature. Calculator We have a number of loan and saving calculators for estimating loan repayments, budgeting, savings earned and many more. Registering for Mobile Banking on your device. You must be registered for Nexus Mutual s Internet Banking before you can use our Mobile Banking App. If you are not registered for Internet Banking please contact us on 1300 65 33 28. When you access the app for the first time or change devices (mobile phone or tablet), you are required to enter your Internet Banking login details to authenticate the registration process. You will also be asked to enter a device name of your choice (e.g. John s mobile) during this process. Note: Only one membership can be registered per device however you can register your membership on multiple devices (e.g. mobile phone and tablet). Page 4 of 13
The registration screen will request your Member number Internet Banking password A name for the device A new four digit PIN which you will be asked to repeat for confirmation. If your phone has fingerprint technology and you have your fingerprint registered on the device, to use this feature simply tick the Use fingerprints to log in option when completing the registration process. Once you tap register the password will be verified and the Terms and Conditions page will appear which will need to be accepted for the device to be successfully registered. The Terms and Conditions can be viewed at any time by going to the main menu then, Terms and Conditions (iphone users look under Settings and terms then Terms etc.). Note: If the Terms and Conditions page does not display there may be an issue with your Internet Banking access, please check you have entered the correct member number and Internet Banking password. Also note if you have not used Internet Banking in the last six months it may be locked out due to lack of use. To rectify this you will need to contact our Member Engagement team on 1300 65 33 28. Viewing a list of registered devices and de-registering a device. To view all of the devices that have been registered to your account you will need to be logged in. Go to the main menu (top left corner), look for App Devices (iphone tap Settings & terms). When selected it will display a list of devices registered to your member number. If you want to de-register a device, it can be done from this list, simply hold down the name of the device and an option to de-register will appear. Enabling/disabling Touch ID (fingerprint) authentication If you have your fingerprint registered on your device, Touch ID (fingerprint) authentication can be enabled at the time of registration or at a later date on any compatible device. This enables you to login to Mobile Banking using fingerprint authentication instead of a PIN. Important note: Only enable fingerprint login if you are the only person who knows your device passcode and has their fingerprints registered on the device. While fingerprint technology is enabled, anyone who knows your device passcode or has their fingerprints registered on this device will be able to long on to Mobile Banking, access your account information and conduct transactions for which you may be liable. At any other time Fingerprint login (Android)/Touch ID (iphone) can be accessed via the main menu icon in the top left corner of the screen and selecting Fingerprint login or Touch ID. For security reasons you will need to be logged into the App before you can enable or disable this function. Page 5 of 13
To log in The four digit PIN chosen when registering the device or your fingerprint is required for authentication to use the banking functions in the app. Your member number and internet banking password will not be requested again unless you have forgotten your PIN or you need to re-register the device. Select the required option (e.g. accounts, transfer etc.) to launch the PIN/Fingerprint request. You will not be asked for your PIN/Fingerprint, when selecting non-banking functions such as locating the nearest ATM. To log out The log out function is in the top right hand corner of an active banking session. Forgotten PIN. If you have forgotten your four digit security PIN, tap on the red link on the Login screen or go to the main menu icon in the top left corner then select Forgot PIN. Follow the prompts to re-register the device. Changing your PIN. You can change your PIN anytime by going to the main menu, selecting Change PIN and following the prompts. If you are not already logged in you will need to enter the current PIN before you can proceed. Checking your account balances and viewing transactions Tap on the Accounts icon on the home screen and enter your PIN if required. Alternatively select the main menu icon in the top left corner of the home screen and select Accounts. All your accounts will be listed with a header bar for each account containing the account name, account number, current and available balances. Page 6 of 13
Android Apple The order your accounts are displayed can be altered to suit you. On an Apple device tap the word Edit at the top of the page then hold the header bar of an account for a second and drag it up or down as required. To change the order on an Android device there is no Edit button simply hold the header bar of an account for a second and drag it up or down. To view the transactions for each account simply tap the account header bar, the most recent transactions will be displayed on top. Swipe up and down to scroll through the transactions. To view other accounts tap the account header bar, a list of your accounts will appear. While viewing account transactions you can: Set up a payment by selecting this icon Transfer, Pay Member etc, then choosing View any scheduled payments you have set up Get overdraft, uncleared funds & interest information Search for specific amounts or types of transactions using the search function. Page 7 of 13
Transfer money between your Nexus Mutual accounts. To transfer money between your accounts, select the Transfer icon from the home screen (if that is your default option refer to The Home screen section). Alternatively select the main menu icon in the top left corner, then the Transfer option. To select the accounts you wish to transfer from and to, tap on either option, then select the required account from the available list. Enter a description and the amount you wish to transfer. When ready, tap the Continue button, the next screen gives you a chance to review the transfer information. To proceed tap Pay now, when the payment has been completed a receipt page will appear. Transfer money to other Nexus mutual members (Pay another member). To transfer money to another membership, select the Pay Member icon from the home screen (if that is your default option refer to The Home screen section). Alternatively select the main menu icon in the top left corner, then the Pay member option. Note: Transfers to other members can only be performed where a payment is saved to your Saved favourites via Internet Banking. Transfers to new payees must be processed via our Internet Banking site. Tap anywhere on the displayed account to select a different account to transfer from. Enter the amount you wish to transfer. Tap the person icon on the right of the Payee surname bar to display your saved favourites list. You have the option to enter a reference for the transaction. When ready, tap the Continue button, the next screen gives you a chance to review the transfer information; to proceed tap Pay now. When the payment has been completed a receipt page will appear. Page 8 of 13
Transfer money to other Financial Institutions (Pay anyone). To transfer money to other Financial Institutions, select the Pay Anyone icon from the home screen (if that is your default option refer to The Home screen section). Alternatively select the main menu icon in the top left corner, then the Pay anyone option. Note: Transfers to other Financial Institutions can only be performed where a payment is saved to your Saved favourites via Internet Banking. Transfers to new payees must be processed via our Internet Banking site. Tap anywhere on the account displayed to select a different account to transfer from. Enter the amount you wish to transfer. Tap the person icon on the right of the Payee name bar to display your saved favourites list. You have the option to enter a reference for the receiver. When ready, tap the Continue button, the next screen gives you a chance to review the transfer information; to proceed tap Pay now. When the payment has been completed a receipt page will appear. Page 9 of 13
Pay a bill using BPAY To pay a bill using BPAY, select the BPAY icon from the home screen (if that is your default option refer to The Home screen section). Alternatively select the main menu icon in the top left corner, then the BPAY option. Note: BPAY payments can only be performed where a biller is saved to your Saved favourites via Internet Banking. Payments to new billers must be processed via our Internet Banking site. Tap anywhere on the account displayed to select a different account to debit. Enter the amount you wish to pay, tap the person icon on the right of the Biller bar to display your saved favourites list, choose the biller and reference you want. When ready, tap the Continue button, the next screen gives you a chance to review the payment information; to proceed tap Pay now. When the payment has been completed a receipt page will appear. Page 10 of 13
Setting up future dated and regular transfers or payments Transfers, Pay another member, Pay anyone or BPAY payments can be processed Now, Later or be set up as Recurring transactions. Now is for one off payments or transfers with the funds being debited from the account immediately. Later allows for a one off transfer or payment to be made at a later date. The funds will be debited from the nominated account on the selected date (as long as there is enough available funds in the account to make the payment). Tap PAY ON to bring up the Calendar. Android devices have a pop up calendar (right). Apple products have a scrolling calendar (far right). Page 11 of 13
To set up a Recurring transfer or payment, frequency, start and end dates are needed. Tapping in the Frequency field brings up the option of setting up the transaction to go: Daily, Weekly, Fortnightly, Monthly, Quarterly, Half yearly or Yearly. Android devices have a pop up list (right). Apple devices have a drop down list (far right) Tapping the Start field launches a calendar to select the start date from. Android devices have the pop up calendar (right). Apple products have the scrolling calendar (far right). Page 12 of 13
The End field gives you the choice of having the payment continuing until it is cancelled or to select the number of payments. Android devices have a pop up list (right). Apple devices display two options Ongoing and After Number of Payments. If you choose After Number of Payments you will be required to enter a number. You can view your scheduled payments at any time by going to the main menu and selecting Scheduled or when you are viewing account transactions for an account with a scheduled payment. Sending or printing transaction receipts or notifications. To print or send a receipt of your transaction once completed, tap the grey Share button on the payment confirmation screen and select your sending option. Note: To print receipts, your device must be connected to a printer. Android right Apple far right Page 13 of 13
Nexus Mutual is a trading name of EECU Limited ABN 35 087 650 039 AFSL/Australian Credit Licence 244356 (M1536 7/17)