Security

We’re committed to providing our members with a safe and secure banking experience.

Security and Fraud

How we protect you online

We have employed a wide range of security measures to help protect your personal information and transactions including:
 
  1. Firewalls
  2. Encryption
  3. Automatic Time-outs
  4. Incorrect Access Code-block
  5. Last Login Time Check
 
In the unlikely event that an unauthorised transaction occurs on your account, we guarantee that you will not be liable for any unauthorised transaction carried out (provided you meet your obligations under our Terms and Conditions, the ePayments Code and you haven't contributed to the loss).
 

How you can protect yourself

We take the protection of your information and transaction data very seriously. But online security is a partnership between us. As such, it's important that you take measures to improve your online security. Listed below are areas you can focus on to keep your personal information secure.


Protect your member number/access code

Here are a few helpful tips to assist you in choosing and using your access code:

  • Have a unique access code for your Online Banking. Avoid using the same access code for different online applications.
  • When choosing an access code, select something that you will remember easily but which will not be obvious to others. Refrain from using your telephone number, car registration, postcode or other numbers easily linked to you personally.
  • Change your access code regularly. We recommend every 90 days.
  • Do not write your access code down or provide it to anyone, even if it is disguised.
     

Protect your computer and personal information online

Here are a few helpful tips to assist you in protecting your computer and personal information online:

  • Install security software on your PC and run automatic updates to check for suspicious activity.
  • Avoid using public computers whenever entering personal information such as credit card details, passwords and bank account details.
  • Never provide personal information such as bank account details, access code or credit card details via email.
  • Set up spam filters on your email account. If you do receive emails from a source you don’t trust, delete these immediately without opening any links or attachments.
  • Always enter www.australianmilitarybank.com.au by typing the address into your browser, checking that you're connected to the legitimate Australian Military Bank website. 
  • Always select "log out" from the Online Banking menu when you complete your banking.
  • Look out for the padlock or key symbol within the browser when accessing Online Banking.
  • Regularly check your accounts and statements for any unauthorised transactions.

 

Common online security risks


Email scams

Email scams often aim to trick online banking consumers into disclosing confidential financial information such as their Online Banking login and access code details via email. Often scam emails can look very professional and give the appearance of coming from a legitimate financial institution. 

Please note, Australian Military Bank will:
  • Never ask for your Online Banking login details or card details via phone or email.
  • Never use email to send you a link to an Online Banking login page.
  • Never ask you to communicate your access codes to us in any form.
If you receive a suspicious email purporting to come from the Australian Military Bank:
  • Contact Australian Military Bank to verify the email.
  • Delete the email immediately and do not click on the link.

If you have clicked on the link in the email:

  • Perform a scan for possible viruses and Trojans using your virus protection software. Should you require further information, please contact your software vendor.
  • After you have completed a scan on your computer, please contact Australian Military Bank on 1300 13 23 28 to report the occurrence and have your Online Banking access code re-set.
  • If you do not have anti-virus protection, we recommend that you do not use Online Banking until you have up-to-date anti-virus protection. 
     

Identity Theft

Identity theft occurs where a criminal obtains the personal details of an individual to masquerade as that individual and, transfer funds, obtain cash, secure loans or other financial benefits. The individual is then left to deal with the debts incurred, along with the associated legal implications.

Members should:

  • take responsible care of all personal information to minimise the risk of loss/theft (e.g. by keeping tax records and other financial documents in a safe place);
  • minimise the risk of mail theft by securing your mailbox (e.g. with a padlock);
  • cancel unused credit union/bank/utility/phone accounts;
  • securely dispose of any documents that may contain personal details (such as account statements, credit card transaction slips, bills, etc);
  • regularly obtain a copy of your personal Credit File to make sure there is no unusual activity on your file; and
  • promptly report to the police any loss or theft of personal documents.

 

Online Banking Security

 
We have placed the utmost importance on ensuring that your personal details, funds and account information remain secure from unauthorised access.
 
The closed padlock on the bottom of the Online Banking browser page indicates that the Online Banking site is secure.
 
Tip: To check that you are using a secure web address, look at the root of the web address following the letters "http://". In a secure site you will see "https:/". The letter "s" signifies that you are accessing a secured address. Unsecured addresses do not include an "s" in the root address; they start with "http://".
 
In addition, our system has various security features to safeguard your transactions and personal information. These include:
  • Secure login pages - your access information is encrypted (scrambled).
  • Member chosen access codes - you can change your access code at any time.
  • Member chosen login name.
  • Password anonymity - you are the only person that knows your access code.
  • The Online 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, Online Banking will be locked and the account blocked. The system can be unlocked and your access code reset when the Credit Union is contacted and the person is identified as the account owner.
  • Timeouts for session inactivity - your Online Banking session will time out after 15 minutes if there is no activity within your banking session.
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