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Tips and strategies on how to keep your banking secure.

Some online banking tips

  • Always access internet banking on familiar Wi-Fi networks and make sure your PC/Laptop has got the anti-virus installed with latest update.
  • Do not log into Internet Banking on computers which has an up supported version of OS (like Windows XP)
  • Do not access internet banking on open Wi-Fi networks as there are chances that your username and password can be saved by any third party system
  • Check to see that the web address begins with https:// (unsecured start websites with http://)
  • Look for the closed padlock symbol at the top right (Internet Explorer) or left (Chrome) hand corner of the website
  • Log out after using internet banking and close your browser when you have finished banking
  • Regularly check your transaction history to make sure you recognise all the transactions. If you find one you don’t, let us know immediately
  • Access webpages directly. Do not use a link in an email to get to a webpage. Always access internet banking through our website
  • Keep your online banking login details private. Don’t even share with your partner or close friends.

Ten strategies to protect yourself and your accounts

  • Memorize your login details, don’t keep your login details on your mobile or tablet
  • Keep your mobile and tablet updated with the latest software and security updates, always have a pin
  • If you have the app, lock your card if you think you have lost it (you can unlock once you have found it). If you don’t have the app, call us immediately (02) 4860 4000.
  • If you think you have lost your mobile or it has been stolen call us immediately on (02) 4860 4000
  • When using an ATM or EFTPOS facility, make sure no one else can see your pin and only use an ATM where you feel safe and it is well lit.
  • Be suspicious of any email with urgent requests for information such as account numbers, internet banking password or pin information. BDCU Alliance Bank will NEVER request this information by email or telephone; we will ask you to contact us instead. If you feel you that you have received a suspicious email, do not click any link and open any attachment on it, delete it and contact BDCU Alliance Bank immediately.
  • Register for one time passwords. A one time password is simple to use and is a unique verifier to help prevent unauthorised access to your accounts.
  • Never leave your computer unattended while logged in to internet banking. Always log off when you have finished using it.
  • Change your access code regularly.
  • Keep BDCU Alliance Bank updated with your details.

How BDCU Alliance Bank protects you

  • We have employed a range of security measures to help protect your personal information and transactions. These measures extend from data encryption to firewalls to automatic timeouts.
  • Secure login pages - your access information is encrypted (scrambled)
  • Member chosen access codes
  • Member chosen login name
  • Password anonymity - you are the only person that knows your access code
  • The internet banking login page is unable to be cached - this means that your personal login information is erased when you leave the login page and cannot be retrieved by anyone else using your computer
  • System lock after 3 attempts - if a user enters an access code incorrectly 3 times, internet banking will be locked and the account blocked. The system can be unlocked and your access code reset when BDCU Alliance Bank is contacted and the person is identified as the account owner
  • Timeouts for session inactivity - your Internet Banking session will time out after 20 minutes if there is no activity with your banking session.

How to minimise the risk of online fraud

  • You can select a BDCU Alliance Bank password and change it from time to time. This password helps our staff to identify you when you telephone us or visit a BDCU Alliance Bank Advice Centre.
  • Don’t pre-sign your cheques and store cheque books in a safe place
  • Memorise your login details, don’t keep your login details on your mobile or tablet
  • Never leave your computer unattended while logged in to internet banking. Always log off when you have finished using it.
  • Keep your mobile and tablet updated with the latest software and security updates, always have a pin
  • When using an ATM or EFTPOS facility, make sure no one else can see your pin and only use an ATM where you feel safe and it is well lit.
  • Regularly check your transaction history to make sure you recognise all the transactions. If you find one you don’t, let us know immediately
  • Register for one time passwords. A one time password is simple to use and is a unique verifier to help prevent unauthorised access to your accounts.

Five tips to protect your cards and ID when travelling

  • If you are going overseas, let us know. To protect you from fraud, foreign transactions can lead to your card being blocked. To avoid this issue, give us a call and we can note your travel plans against your account.
  • Use reputable retailers. If the deal seems too good to be true, it probably is. Always use cash at flea markets and with local vendors.
  • Don’t advertise your trip on social media; you are advertising you will be away from home.
  • Do not use online banking on open W-Fi networks like hotels or cafés and always use 3G or 4G network when you are away
  • Only take ID and cards that you will be using on your trip and carry these with you everywhere.
  Learn about online security risks
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