INTERNET BANKING GUIDE
A guide to
Internet Banking
www.beyondbank.com.au
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INTERNET BANKING GUIDE
Contents
Getting Started
Activating a card32
Register for Internet Banking3
Card management32
Log in to Internet Banking4
Setting up email notifications34
Using Internet Banking for the first time5
Managing eStatements35
Setting up your Internet Banking password6
Setting up SMS alerts36
Resetting your Internet Banking password7
Navigating Internet Banking8
Apply
Create an account37
Accounts
Apply for a loan37
Account balances9
Check the status of a loan application38
Page functions9
Account display10
Transaction history12
Payments received14
Security
Second Tier Authentication39
Register Secure SMS39
Interest details15
Register your VIP Access app or Factor
Two Token41
eStatements16
Using Secure SMS43
Transfer/Pay
Transferring funds17
Transferring funds between your accounts17
Using VIP Access and Factor Two Token43
Managing Secure SMS44
Security FAQs45
Transferring funds to another member18
Settings
External funds transfer20
Updating your contact details46
Using BPAY22
Updating your address47
Using BPAY View22
Updating employment details48
Transferring money overseas24
Proactively changing your Internet
Banking Password49
Scheduling future payments27
Changing your Internet Banking transfer limits50
Services
Sending and receiving secure messages29
View SMS history31
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Miscellaneous settings51
INTERNET BANKING GUIDE
Register for Internet Banking
You can register for Internet Banking when creating your membership with Beyond Bank, whether that’s in a
branch or online.
A staff member in a branch will be able to register you for Internet Banking at any time during business hours.
If you are unable to get to a branch, you can call the Member Contact Centre on 13 25 85 and quote your
telephone access passcode to register.
Once you have registered, you can navigate directly to Internet Banking by typing online.beyonbank.com.au
into your browser address bar, or by clicking the link to Internet Banking on the Beyond Bank Australia home
page at www.beyondbank.com.au
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Getting Started
Log in to Internet Banking
Enter your member number into the first field and the password that you have chosen into the second, and
then click Login.
If you are not sure of your member number, you can find it at the bottom of your card, under your name.
From this page, you can also navigate back to the home page of our website by clicking the Beyond Bank
logo in the top-left corner or the Visit Website link under the login fields.
You can also view our latest news on the logon page, which will alert you to any outages and other important
news about Internet Banking.
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Getting Started
Using Internet Banking for the First Time
If you are logging in to Internet Banking for the first time you will see an initial welcome screen, including
some instructions to help you get started, a video guided tour and an opportunity to download out
Internet Banking Terms and Conditions within the Product Guide.
To continue, you must accept the Terms and Conditions. Click Accept to continue to Internet Banking:
To provide additional security, a secondary form of identification is necessary if you want to use all of the
features of Internet Banking. These features include External Funds Transfers (EFTs) and managing your
eStatements. When performing one of these actions, Internet Banking requests a security code that is
verified against a code entered. For more details, please see Second Tier Authentication section.
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Getting Started
Setting up your Internet Banking Password
When logging in for the first time, you may be automatically prompted to choose a new password.
Remember not to choose a password that is the same as your member number, or that is sequential letters or
numbers.
To maintain security, your chosen password must comply with the below:
• Minimum of 6 characters in length
• Maximum of 32 characters in length
• May contain a combination of letters, numbers and special characters
• May contain uppercase and lowercase letters
• Cannot contain the following characters: < >
Once the password has been changed, you will receive a confirmation message.
Select Continue to navigate to the Welcome Screen:
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Getting Started
Resetting your Internet Banking Password
If you have forgotten your password for Internet Banking, there are a number of options available to reset it.
The easiest way is to click the link below the login section, after navigating to Internet Banking.
This process will send you a temporary password to your mobile number via SMS.
Clicking this link will prompt you to enter your member number and the characters that you can see in the
picture, to prove your identity.
Click Next to be taken to a confirmation screen.
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Getting Started
Clicking the Reset button on this page will send you a text message with a temporary password.
You will need to log in with your temporary password and will be prompted to change it when you do.
You can also call the Member Contact Centre on 13 25 85 and quote your Telephone Access Passcode
or head into a branch with identification and request that a Member Service Consultant resets your
Internet Banking Password for you.
Navigating Internet Banking
The navigation menu is expandable, if you click any of the options (Accounts, Transfer/Pay, etc.)
another menu will present itself below the original:
Each one of the options is covered individually in this User Guide.
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Accounts
Account Balances
This will be the first screen you see each time you log in. There is a lot of information on the page
so we will cover page functions and account display individually.
Page Functions
1. The Logout button, this is where the button is located on every page.
2. Your name and member number.
3. The top navigation panel, where you can navigate to any section within Internet Banking.
4. The Re-Order Accounts button. Click this to change the order of your accounts in Internet Banking.
5.Internet Banking Snapshot, showing today’s date and the date you logged in last and the BSB number. It
will also display the last funds transfer you performed via Internet Banking, and let you know whether you
have any new Secure Messages.
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Accounts
Account Display
1.
Your account titles and numbers are displayed on the left. If you have renamed your account, the
nominated name will be visible in this section (e.g. Bills). If not, you will see the default account name
(e.g. Access Savings Account). Clicking on the account name will take you directly to the transactions
for that account.
2.
This is your available balance (in larger font) and your current balance (in smaller font). Notice in the
example above, the current balance is higher than the balance that is available to spend. This means
that there are one or more credit transactions on hold. When you purchase an item using ‘credit’ on
your card, the transaction is initiated; however it still needs to be completed by the organisation that
you made the purchase with for the funds to be taken from your account.
3.
This is the ellipsis button. This will expand the corresponding account to provide more information and
options specific to that account (see page 10 for more information).
4.
This is another example of a difference between the available balance and the current balance, but in
this instance the current balance is higher. This means that funds are waiting to clear before they are
available in your account. You will see a higher current balance if you have deposited a cheque and are
waiting for it to clear (cheques generally take 5 business days to clear).
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Accounts
By clicking the ellipsis you will firstly see shortcuts to all of the options available to you to transfer money:
Transfer: Transfer money between your accounts
Pay Member: Pay another member of Beyond Bank
Pay Anyone:
Pay a customer of another financial institution
BPAY:
Perform a BPAY transaction using a biller code and customer reference number
Below these options, you will be able to see all of the account owners (in case you are looking at a joint
account), any funds on hold (uncleared funds – a cheque or credit transaction), whether you have the ability
to overdraw your account (Credit Limit) and the Interest Earned and Interest Paid for the year to date.
Your transactions will show the 10 most recent transactions that you performed. For more details, or to
view more transactions than this, click on the account name or click the transaction history button in
the navigation bar.
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Accounts
Transaction History
See the screen shot below, and over the page a description of what happens when option 1, 2 or 3 is selected.
By default the last 14 days of transactions are presented. To search for more transactions, click the Magnifying
Glass (see below and overleaf for descriptions):
1. Clicking the Magnifying Glass allows you to set additional search parameters for the transaction listing:
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Accounts
1.
Click the down arrow to see a list of all of your accounts, and select which one you would like to see
the transaction history for next.
2.
Uncleared Funds will show any Visa transactions that are yet to be completed. Your available balance
(in large white text) will equal your current balance (below it) minus any uncleared funds.
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Payments Received
This screen displays all of the payments that have been received to any of your accounts.
The organisation that sent the funds will be in the first row of each entry, along with the date.
Below will be a list of accounts that the funds were transferred into, and a total, in case there is
more than one destination.
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Accounts
INTERNET BANKING GUIDE
Accounts
Interest Details
On this page you can see all of your accounts’ interest details for this financial year, as well as the last
financial year. You are also able to view the amount of tax that has been withheld, which will occur if you
did not provide us with your TFN when you joined. This information may be useful when completing your
tax return.
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Accounts
eStatements
This section is used to view all of the eStatements that you have received in the past 7 years. You are able
to search for a particular statement by date, account, or statement number.
Alternatively you can simply click Search and all of your statements will be displayed.
As well as your statement, you are also able to view any inserts that have been sent with your statement
(e.g. updated product guides, etc.).
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Transfer/Pay
Transferring Funds
Transferring funds is fast and easy with Internet Banking, where you have the option to transfer to
another account that you hold with Beyond Bank, another member of Beyond Bank or anyone who is
a customer of another financial institution.
Transferring funds between your accounts
The Transfer Screen allows you to transfer funds from one account that you hold with Beyond Bank
to another. Simply use the drop down arrows on the right of the account title in the purple bars to see
a list of accounts and select the account you would like to transfer from and to.
A reference can be manually entered so you can easily identify the transaction on your statement.
Enter the amount you would like to transfer in dollars and cents format (e.g. 200.00),
then click Pay Now to review and submit the transaction.
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Transfer/Pay
INTERNET BANKING GUIDE
Clicking the
button will provide some extra options:
From here you can set up future payments. Select the date for which you would like the first transaction to
occur, the frequency of transactions thereafter, and then select either the number of transactions you would
like to make or ONGOING if you would like the transactions to continue indefinitely.
You can review and modify future payments in the Scheduled Payments screen. This process is outlined
under Scheduling Future Payments, on page 28.
Transferring funds to another member
To transfer funds to another member of Beyond Bank you will need
•
The recipient’s account number
•
The recipient’s surname
- For Smith, enter smi
- For O’Brien, enter o’b
- For Mc Bride, enter mc*space*
Please note: the account number is different to the member number. A member number belongs to a
member, who may have a number of accounts, all of which have their own account number.
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Transfer/Pay
•
You are also able to enter an email address – so the recipient receives a confirmation email, letting them
know that the funds are on their way.
•
By selecting the Update Favourites checkbox, you will save the payee details so that if you need to
make a payment to this member in future without having to re-enter all of their details
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Transfer/Pay
External Funds Transfer
To transfer funds to a customer of another financial institution, you will need
•
The recipient bank’s BSB number
•
The recipient’s account number
•
The recipient’s account title (the name of the person or business you are transferring to)
You can also enter the following optional details
•
A description – something that you will see on your statement so you can easily recall what the transfer
was for
•
A reference – information that the recipient will see on their statement after they receive the payment
•
An email address – so the recipient receives a confirmation email, letting them know that the funds
are on their way.
Remember, all transfers between different financial institutions take between 24-48 business hours.
Make sure you allow enough time for the funds to arrive when the recipient needs them.
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Transfer/Pay
Using BPAY
To transfer funds using BPAY, you will need
•
A Biller Code – between 4-6 digits, which should be located on your bill.
•
A Customer Reference Number – also located on your bill, usually near the biller code. The number of
digits varies from biller to biller.
You can enter a description for the payment to refer to on your statement, and in the list of saved billers;
otherwise the details of the payment will be visible.
You can also select Schedule Payment on this screen to set up a recurring BPAY transfer, in much the same
way as you would for a normal electronic funds transfer.
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Transfer/Pay
Using BPAY View
BPAY View allows you to set up email bill notification for participating billers. You can view a list of
participating billers here (search for the organisation and look for Offers BPAY View).
When a new bill is generated, you will receive an email notification with all of the information you will
need to then log in and make the payment.
You can register for BPAY using Internet Banking. If you have not used the facility before, sign up by
clicking the BPAY View button from the top navigation panel and entering your details.
Once you have registered, you can enter a biller to begin receiving notifications via email when a bill is due.
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Transfer/Pay
Once you have entered the Biller Code, enter the BPAY View Registration Number and Valuation Number.
If you cannot see these numbers on your bill notice, contact the recipient organisation – they will be able
to point you on the right direction.
Once you have added your billers, you will begin to receive notifications with the information you need
to log in to Internet Banking and pay your bills via BPAY.
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Transfer/Pay
Transferring Money Overseas
Beyond Bank provides you with the ability to transfer funds overseas via Telegraphic Transfer.
To perform the transaction you will need
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•
Transfer amount and required currency
•
Beneficiary name
•
Beneficiary address (full street address is mandatory)
•
Bank sort code/SWIFT address/chips/routing number
•
Beneficiary account number
•
IBAN (this is mandatory for transfers sent to the United Kingdom or European Union)
•
Bank name
•
Full bank address (full street address is mandatory)
•
Special instructions (if any)
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Transfer/Pay
Enter the details in the fields required and click Request Quote to navigate to a confirmation page.
A quote will be provided based on the current exchange rates. This quote and the associated fee must be
accepted within 45 seconds. To accept the quote and proceed, click Continue To Transfer.
On the next page you will need to enter all of the details that have been provided to you by the recipient.
The first section is Payment Details, and the only thing you need to enter is the purpose of the payment. This is
required as some countries will not accept a Telegraphic Transfer unless the purpose has been disclosed.
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Transfer/Pay
Next, fill in the beneficiary (the person receiving the payment) details. These should all be provided
to you by the beneficiary.
Finally enter the recipient bank details. These should also all be provided by the beneficiary.
When you have entered all of the required details, click Submit to confirm the details and send the transfer.
Please note: an International Transfer will take approximately 4 – 5 business days to be received.
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Transfer/Pay
Scheduling future payments
You can review or modify your current scheduled payments under the Scheduled Payments screen.
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Transfer/Pay
To see more information, or make a change to a current payment, click on the ellipsis (…) on the right.
A list of options will drop down and you can make changes as required.
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Services
Sending and Receiving Secure Messages
The Secure Mailbox provides a secure way for you to contact Beyond Bank. As you have identified yourself
by logging into Internet Banking and completing second tier authentication, we can offer a wide range of
assistance using this service.
We may also send important, private information via Secure Messages, generally accompanied with a
notification via email or a phone call to let you know that you need to log in and check your messages.
Initially you will see all of your messages in a list.
Click and individual message Subject to view the message itself.
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Services
If you would like to send a message to our Contact Centre, click Compose on the Message Inbox screen.
This will take you to a screen that will allow you to enter all of the details of your enquiry.
Once you have entered all of the information you can, click Send. A response will be in your
Secure Message inbox within 24 business hours.
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Services
View SMS History
If you would like to view text messages that you have been sent by Beyond Bank in the past, click
SMS History in the top navigation panel. This will take you to a screen that shows a brief description
of all past text messages.
For more information about the body of each text message, you can call the Member Contact Centre
on 13 25 85.
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Activating a Card
If you have received a card that you have ordered in the post, you can activate it under the
Activate Card screen.
Simply enter all of the card details in the fields provided, and click Activate Card.
Your card will be active approximately 10 minutes after completing this process.
Card Management
To report your card as lost or stolen or change your PIN, select Card Management
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Services
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Services
Click on the arrow to reveal your cards then select the card you would like to change by clicking on it.
Please select the option you require from the menu and follow the prompts:
Please note: if you report your card as lost/stolen it will be immediately closed and cannot be reinstated. You
can order a new card by contacting us or visiting a branch.
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Setting up transaction email notifications
You can set up email notifications to let you know via email when a transaction has occurred.
Simply tic the box for the type of transaction that you would like to receive notifications for, and
then click Save. You can log in at any time to update your preferences.
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Services
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Services
Managing eStatements
This page allows you to update your update your preferred email address or deregister for eStatements.
Simply change the details as required and click Submit My Request.
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Services
Setting up SMS alerts
You can set up alerts to be sent as a text to your mobile phone when certain transactions occur on your
account, or when your account balance increase above, or decreases below a certain amount.
Click Create Alert, then click either GLOBAL, ACCOUNT or CARD and follow the prompts to set up the alerts
that you would like to receive. Alerts that are already set up are also clearly displayed on this screen.
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Apply
Create an account
You can open a new account via Internet Banking. Simply click the Accounts button under Apply in the top
navigation panel, and then follow the prompts to select and create the account that you would like to open.
You can call the Member Contact Centre on 13 25 85 if you need help deciding which account best suits
your needs.
Apply for a loan
You can also apply for a loan via Internet Banking under Loans and Credit Cards. Similar to creating
an account, just click the link and follow the prompts. Once you have submitted an application a
Member Relationship Consultant will be in touch within 24 business hours.
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Apply
Check the status of a current loan application
If you have applied for a loan and are waiting on an answer, you can check the status of the application
by clicking Loan Status. On this screen you will see all of your current loan applications and one of the
following descriptions.
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Security
Second Tier Authentication
To provide an additional layer of security, Beyond Bank requires that some higher risk transactions use
second tier authentication to authorise the transaction. This applies when performing sensitive functions,
or sending funds to a destination that you have not sent to before. This minimises the risk of any unwanted
transfers or other fraudulent activity on your account.
The three options available are Secure SMS, VIP Access (available via the App Store or the Google Play
Store), and Factor Two Token (a handheld device that generates a new code each time you need one).
For the most secure and convenient option, we recommend the VIP Access app. The app is free to
download, and you keep the app in your phone so it is one less device you need to worry about losing.
You only need to authenticate yourself with a second tier option once per session.
Register Secure SMS
When you log in to Internet Banking for the first time, you will be prompted to register for Secure SMS. This is
the default second tier authentication method so you will need to register for this in order to register your VIP
Access app or Factor Two Token.
Once you have reviewed all of the information on the first page, select the number to which you would like to
receive the registration text message and click Register.
Click Request SMS Code. You will be shown a window confirming that the message has been sent.
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Security
You will then receive a text message with a code in it. Enter the code into the field below and click
Continue Registration.
You will then be taken to a confirmation screen to let you know that you have successfully registered.
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Security
Register your VIP Access app or Factor Two Token
Once you have registered Secure SMS, you can then register your VIP Access App or Factor Two Token,
if you have chosen one of these alternatives. Whether you want to register VIP Access or the Factor Two
Token, click Register Token.
The free VIP smartphone app is able to be downloaded from the Apple Store or Google Play Store.
To download the VIP smartphone app, visit the relevant store for your device and search VIP Access.
Request and enter the Secure SMS as usual, when prompted, to be taken to the next registration page.
You will need to have access to the VIP Access
app on your smartphone, or have your Factor Two
Token ready before registering. The Credential ID
is on the back of the Factor Two Token, or visible
when you open the VIP Access app:
VIP Access app: Credential ID is in blue on the
front screen.
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Security
Factor Two Token:
Credential ID is called Serial
Number (S/N), and is located
on the back of the token.
Once you have entered the Credential ID, you will need to enter two consecutive security codes.
Enter the first one, wait for it to expire then enter the second one. Then tic the box that confirms your
acknowledgement of the terms and conditions and click Register.
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Security
Using Secure SMS
Once you have registered for Secure SMS, you will be prompted to request an SMS whenever you
need to perform any secure tasks in Internet Banking. When prompted, simply click Request SMS Code.
A six digit SMS code is then sent to your mobile or landline. Enter the code that you receive then click Validate
to continue. The code must be entered within 5 minutes. If you require the SMS
to be sent again, click Resend Code.
Using VIP Access and Factor Two Token
The logic of the app and the token is much the same as Secure SMS. The code supplied by the app is verified
against our system to prove your identity.
A code is generated in the VIP smartphone app every 60 seconds. When presented with the screen below,
enter the current code shown in the app.
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Security
Managing Secure SMS
If you would like to update your Secure SMS details, or deregister for the service, you can do this under
Secure SMS Management.
Click the down arrows as prompted and select the action you would like to undertake. When you have
finished, click Update Secure SMS.
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Security
Security FAQs
On this page you will find all of the information you will need to keep your funds safe when using cards to
access your money, making purchases online and browsing the Internet on your PC or mobile. There are
also a number of useful links that you can follow for some more general information that will help you protect
yourself.
For security reasons, Internet Banking will automatically log out if you have been inactive for 10 minutes.
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Settings
Updating your contact details
When your money is concerned, it is very important that we can contact you if necessary. If your phone number or
email address changes, you can update them quickly and easily on the Contact Details screen.
Check in here every now and then to make sure we have all of the correct details, and if any need to be
changed, just delete the expired details and enter the correct information. Once you have entered all of the
correct information, click Save Details.
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Settings
Updating your address
You can also update your address via Internet Banking on the Address Details screen. You will be shown your current
and previous address and, similar to updating your phone number and email address, you can simply type the correct
address details into the fields provided. Click Save Details when you have entered all of the correct details.
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Settings
Updating Employment Details
If your employment details change, you can update them under the Employment Details page.
Click the fields you need to change and enter your current information. Remember to change both
your current and previous employers as required.
When you have entered all of the correct information, click Save Details at the bottom of the page.
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Settings
Proactively changing your Internet Banking Password
To maintain your online security, we recommend periodically changing your online passwords. You can
update your Internet Banking password on the Change Password screen. You will need to enter your current
password, then enter and confirm the new password that you nominate. Passwords need to comply with the
rules set out in the below screenshot.
Try using uppercase and lowercase characters, as well as numbers and symbols to make your password as
difficult for someone to guess as possible. Make sure it is something that is easy to remember, you should
never write down your Internet Banking password anywhere that it can easily be seen.
Notify us immediately if you suspect that your password has become known to, or used by, some else.
More information in relation to password protection can be found on the Australian Government website
http://www.staysmartonline.gov.au.
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Settings
Changing your Internet Banking transfer limits
To protect your funds, we restrict the maximum amount payable each day via Internet Banking.
We also provide the option to set lower daily transaction limits if you wish. These limits can be set on the
Transaction Limits screen, and allow you to bring daily limits down to an amount as low as $0.00.
Once you have set the limits that you want, click Update Limits to save the changes.
Increasing the limits again requires additional identification, via the Member Contact Centre or a branch, so
you can be sure that only you will be able to facilitate this in future.
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For help with Internet Banking call 13 25 85
or email [email protected]
INTERNET BANKING GUIDE
Settings
Miscellaneous Settings
The Settings page allows you to change your preferred account, and opt out of marketing within Internet
Banking. Follow the prompts as required and click Save when you are happy with the selection.
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For help with Internet Banking call 13 25 85
or email [email protected]
INTERNET BANKING GUIDE
Getting in contact.
www.byondbank.com.au
Phone: 13 25 85
Fax: (08) 8231 3060
Post: GPO Box 1430 Adelaide SA 5001
Email: [email protected]
Beyond Bank Australia is a trading name of Community CPS Australia Ltd
ABN 15 087 651 143 AFSL/Australian Credit Licence 237 856.
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For help with Internet Banking call 13 25 85
or email [email protected]