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Security Tokens are free for members and ensure your Internet Banking experience is as secure as possible. Using a Security Token is the best way to ensure your Internet and Mobile Banking experience is as secure as possible. We encourage all members to be issued with and activate either a physical or virtual Security Token.
Security Tokens provide a second level of authentication and are used in conjunction with your Internet Banking access details. You must have a Security Token to enable you to permanently increase your daily external transfer limit above the standard limit of $5,000.
Talk to our Member Services Team to see if you are eligible to discuss options to increase your external transfer limit. Please note that virtual Security Tokens are not transferrable between devices. If you change your device, you will need to be issued a new virtual Security Token.
Having a two-factor authentication for your mobile banking is a recommended security feature. An SMS One Time Password is a random six-digit number that is generated by the system when performing certain transactions in Internet Banking or within the App. It will be sent to your mobile phone via SMS to provide an extra level of authentication.
It’s easy to register for SMS One Time Password. Once logged into Internet Banking select the Services and Help Tab. In the drop-down menu you can select Request SMS One Time Password. After registering, an SMS One Time Password will be required when logging into Internet Banking, completing an external transfer to another financial institution, or to another Mutual Bank account that you are not a signatory on.
Your default daily external transfer limit is $5,000. To increase this amount, you will need a Security Token or be registered for an SMS One Time Password. You can easily register for either of these security options by logging onto Internet Banking and selecting the Services and Help Tab. In the drop-down menu, you can select Request Security Token or Request SMS One Time Password.
Once this two-factor authentication is set up you can log onto Internet Banking and send your request for an increase through Secure Mail. A team member will respond to your Secure Mail once your request for an external transfer limit has been processed. Secure emails are responded to during our ordinary operating hours. If your request is urgent, please call our Member Services Team on 1300 688 825 to assist you. Once approved, your daily limit on that account will be permanently increased.
Secure Messages allows members with Internet Banking to securely and confidentially message The Mutual Bank and receive a response.
Members can use Secure Messages to contact us for a variety of reasons. Examples include:
We may also contact members using Secure Messages.
It’s easy to use – just locate the Secure Messages tab once you are logged on to your Internet Banking to send and receive Secure Messages.
Secure Messages are responded to during our ordinary operating hours.
Set up your New Message Received Alert that will send you a notification via SMS or email.
You can set up alerts yourself by accessing your Internet Banking Inbox. Go to: Inbox >Alerts >New alert >Select Internet Banking User ID (scroll to bottom of dropdown menu) >New Message Received >Choose mobile or email.
Alternatively, speak to one of our Member Services Team on 1300 688 825 for assistance. We are here to help.
Here are some tips to bank safely online:
Portable devices such as laptops and smartphones have become an essential part of our everyday life, and although convenient, they are also a key target for cybercriminals.
To avoid cybercriminals compromising your valuable and sensitive personal information, it is important to secure your devices and know how to stay secure online.
Treat your portable device like your wallet. Keep it safe or with you at all times.
The Australia Cyber Security Centre (ACSC) has the following advice for portable device owners:
If you find a random cord or USB device, never plug it into your portable device. It could be infected with malware. Likewise, don’t allow other people to plug their cables or devices into your portable device.
Remember to thoroughly remove sensitive and personal information from your portable devices before selling or disposing of them. If possible, ensure the encryption method used on your laptop includes pre-boot authentication, which will ask for an additional password before you log on. This will keep your files encrypted even if a cybercriminal tries to bypass your device’s security.
The ACSC’s Quick Wins for Your Portable Devices provides further advice on how you can best secure your portable devices from cybercriminals ensuring software and wireless internet connections are safe.
The website IDCARE can also assist with identity and cyber security concerns, including identity theft, hacking and lost or stolen credentials. If you are concerned the security of your mobile device has been compromised, please call us on 1300 688 825.