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                <h3>Online Banking Security </h3>
                <p>
                    Stay safe when banking online!.</p>
                <p><a href="#stc" class="btn btn-default btn-lg smooth" role="button">Find out more</a></p>
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                <li>You are here:</li>
                <li>Online Banking Security</li>

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        <h1>Online Banking Security</h1>
        <p>Simply ways to protect yourself...</p>

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                <h2>Banking online is convenient, could save you money and may help the environment. </h2>
                <p>However, there are people who try to find the holes in the security measures and internet habits of
                    people banking or transacting online. They try to trick you into revealing personal details and
                    account details so they can steal information, money and property. </p>
                <p>If you make sure your computer, smartphone or tablet and use of the internet is as secure as
                    possible, then you are a long way to transacting safely online. </p>
                <p>When banking on the internet it is recommended that you follow these steps: </p>
                <ul>
                    <li>Apply for <a href="#SMSSecure" class="smooth">Internet Banking SMS Secure</a> to have the
                        reassurance that funds in your <?php echo $settings->get("sname"); ?> account are not being transferred to a new third
                        party payee without your knowledge.</li>
                    <li>Always access our website by typing the address into the browser or keeping the address in your
                        'favourites' or 'bookmark' folder to reduce the risk of mistakes or deception. In particular
                        beware of <a href="index.php">Bogus Websites and
                            Email Phishing</a>.</li>
                    <li>Keep your computer, smartphone or tablet up-to-date with anti-virus, firewall software and the
                        latest patches. Anti-virus software is used to detect and eliminate viruses and other malicious
                        software such as worms and Trojans. Any computer, smartphone or tablet connected to the Internet
                        faces the risk of virus infection, so it makes sense to secure your computer adequately with
                        antivirus software. New viruses appear every day, so in order for your antivirus software to be
                        effective, these definitions need to be updated regularly. Most antivirus software comes with 12
                        months of free updates, but you'll usually have to purchase additional annual subscriptions
                        after that. You will also need to keep your operating system up to date e.g. Microsoft Windows,
                        Unix or Macintosh, this can usually be done via their official website. No software can
                        guarantee 100 percent protection — viruses are constantly evolving and can spread between PC's
                        rapidly. Antivirus software is only effective if it's up-to-date, so it's vital that you
                        subscribe to regular updates and ensure that it is continuously updated. Some anti virus and
                        other software providers do supply updates online, these are called security patches. The <a
                            href="index.php">Internet Association of America</a>
                        provides links to various internet security programs and vendors.</li>
                    <li>Avoid using passwords or PINs (Personal Identification Numbers) that are relevant to your
                        personal situation. Passwords with telephone numbers, postcodes, your name, or the name of a
                        close relative and dates of birth are simple for criminals to trace. Create passwords with
                        letters and numbers that cannot be easily attributable to you.</li>
                    <li>Always memorise your password or PIN and do not write it down or store it on your computer,
                        smartphone or tablet. You are responsible for keeping this information confidential. </li>
                    <li>Change your password regularly and don't use the same password for other services such as your
                        video store. </li>
                    <li>Confirm that your data is encrypted between your computer, smartphone or tablet and <?php echo $settings->get("sname"); ?>
                        by looking for the padlock symbol on the bottom right hand corner of the browser window. </li>
                    <li>Always log out from the Internet banking menu when you finish all your banking. </li>
                    <li>Close your Internet browser after logging out at the end of each Internet banking session. </li>
                    <li>Beware of any windows that 'pop up' during an Internet banking session and be very suspicious if
                        it directs you to another website which then requests your customer identification or password.
                    </li>
                </ul>
                <p>Additional security tips for your smartphone and tablet:</p>
                <ul>
                    <li>Lock – set your smartphone and tablet to automatically lock. The password will protect your
                        device so that no-one else can use or view your information. Also store your device in a secure
                        location.</li>
                    <li>Contact your bank if you lose your smartphone or tablet – Call us immediately to tell staff
                        about the loss and provide your new mobile number especially if you use SMS Secure to
                        authenticate transaction.</li>
                    <li>Clear your mobile device of text messages especially before sharing, discarding or selling your
                        device.</li>
                    <li>Be careful what you send via text – never use text messages to disclose any personal
                        information, such as account numbers, passwords or other personal information which could be
                        used to steal your identity.</li>
                    <li>Be wary of free downloads, programs, software or screensavers – sometimes malware and spyware
                        can be hidden in free offers of other files.</li>
                    <li>Be aware – when using Internet banking in busy, public areas, check for people looking over your
                        shoulder.</li>
                    <li>Wi-Fi – don't conduct Internet banking using unsecured Wi-Fi networks.</li>
                </ul>
                <p>Find out more about the <a href="index.php">security of
                        <?php echo $settings->get("sname"); ?>'s Internet Banking</a></p>
                <p>You should also ensure you have read and understood the <a
                        href="index.php">Terms and Conditions</a> relating to the use of
                    Internet Banking and other <?php echo $settings->get("sname"); ?> banking services that may be available on-line.</p>
                <p>Visit <a href="index.php" >Card Services Direct</a> for
                    details of Card Services Direct Internet Banking Terms and Conditions and security policies. Other
                    on-line applications provided by arrangement with our product partners and financial service
                    providers may provide separate terms and conditions and security information.</p>
                <p>More information about steps you should take to protect yourself on-line can be found at <a
                        href="index.php">Stay Smart Online</a>.</p>
                <hr />
                <h2><a name="SMSSecure" id="SMSSecure"></a>Internet &amp; Mobile Banking SMS Secure</h2>
                <p><?php echo $settings->get("sname"); ?> <a href="index.php">Internet
                        Banking</a> and <a href="index.php">Mobile
                        Banking</a> customers can protect the funds in their <?php echo $settings->get("sname"); ?> account by applying for
                    Internet Banking SMS Secure.</p>
                <p> This free service provides customers with the reassurance that funds in their <?php echo $settings->get("sname"); ?> account
                    are not being transferred to a new third party payee or their contact details are not being changed
                    online without their knowledge.</p>
                <p> It is compulsory for both Internet &amp; Mobile Banking customers wishing to transfer funds to a
                    third party to adopt Internet Banking SMS Secure.</p>
                <p>Once registered for Internet Banking SMS Secure, customers will then be sent an SMS Secure code as a
                    text message to their nominated mobile phone whenever:</p>
                <ul>
                    <li>funds are requested to be transferred to a new third party payee*;</li>
                    <li>if &quot;Add to Payee List&quot; box on the Internet Banking payment page is ticked; or</li>
                    <li>if the BSB or Account Number of an existing payee that has previously been authorised for SMS
                        Payment Security is edited.</li>
                    <li> Contact details in My Profile are changed online</li>
                </ul>
                <p><strong>Note: Mobile Banking customers will need to set up new third party payments using Internet
                        Banking once registered for Internet Banking SMS Secure.</strong></p>
                <p>Once a payee has been authenticated by SMS Secure, any subsequent payments to the same payee will not
                    have to be authenticated using SMS Secure again. </p>
                <p><a href="index.php">Apply now</a> for
                    Internet Banking SMS Secure. </p>
                <hr />
                <h2><a name="SecureCode" id="SecureCode"></a>More about MasterCard SecureCode</h2>
                <p>MasterCard SecureCode is an initiative by MasterCard that is designed to make internet shopping safer
                    for Cardholders. </p>
                <h3>What is MasterCard SecureCode?</h3>
                <p>MasterCard SecureCode is a program designed to provide cardholders with added security when
                    transacting online. Online transactions will be authenticated with an additional layer of security
                    for protection against the unauthorised usage of cardholder accounts. </p>
                <h3>How will Card Services manage this?</h3>
                <p>The solution to MasterCard SecureCode will be the introduction of a one-time SMS password for all
                    online transactions with merchants that have signed-up to MasterCard SecureCode. This will apply to
                    all transactions, regardless of the dollar value of the transaction. Without the one-time SMS
                    password, the cardholder will be unable to continue the transaction.</p>
                <h3>How will it work?</h3>
                <p>The MasterCard SecureCode process will apply to any online transaction a cardholder undertakes
                    through a merchant that is enrolled into the program. The process will be as follows:</p>
                <ul>
                    <li>When a cardholder submits their online order at a participating merchant, a unique one-time
                        password will automatically be sent to their mobile phone via SMS prior to the completion of the
                        transaction.</li>
                    <li>A window will pop-up online, prompting the cardholder to enter the unique password.</li>
                    <li>Once the unique SMS password is entered by the cardholder, an authentication process will run,
                        where the cardholder will be identified and the transaction authorised to go ahead.</li>
                </ul>


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