Internet Banking A user guide of all you need to know Effective 7 July 2016

Internet Banking At Credit Union SA we know you want to keep on top of your banking whenever and wherever you choose. That’s why we are making it even easier to manage your money online. Our Internet Banking is convenient, easy-to-use and secure and can be accessed from your desktop computer, tablet or smartphone. This User Guide is designed as a quick reference resource to step you through everyday transactions. If there are any other matters we can assist with in relation to your accounts and services please call our Member Contact Centre on 8202 7777.

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Contents 1.

Security and system requirements ..............................4

2.

Updating your web browser..............................................4

3.

Register for Internet Banking...........................................4

4.

Log in to Internet Banking..................................................5

5.

Internet Banking password................................................6

6.

Set up/manage your email address and Internet Banking email notifications............................7

7.

Factor 2 Authentication Verification............................8

8.

View and update your personal details.......................9

9.

Set up/manage SMS and Email Alerts........................9

10. View account balances......................................................11 11. Open a Netsave account...................................................11 12. Change the order your accounts are displayed...........................................................................12 13. Change your Account Name...........................................12 14. View transaction details...................................................12 15. Saved Favourites..................................................................14 16. Transfer between your accounts..................................14 17. Transfer funds to another Credit Union SA Member (Pay member) ...............................15 18. Transfer funds to another financial institution (Pay anyone)....................................................17 19. BPAY View................................................................................19 20. Pay a bill using BPAY...........................................................19 21. Viewing / Managing Scheduled Payments..................................................................................21 22. Change the default debit account on my membership..............................................................22 23. View interest paid or received......................................22 24. Apply online for a loan or credit card.........................23 25. Activate a new card.............................................................23 26. Change your card PIN ........................................................23 27. Report a card as lost or stolen......................................23 28. Secure Mailbox......................................................................24 29. Mobile Banking......................................................................25 30. Download the iPhone and Android Apps.................25 31. Register for eStatements...............................................26 32. Complete an International Transfer (Telegraphic Transfer)....................................................................................26 33. Business Banking..................................................................29 34. Fraud Prevention tips.........................................................29 35. Contact us................................................................................30

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1. Security and system requirements All computer users should be aware of the vital importance of security when transacting online. Credit Union SA Internet Banking uses industry-standard encryption to keep you and your accounts safe online. To take advantage of strong encryption technology, you must have a browser that supports 128-bit encryption. Latest release browsers have this functionality. To find out what browser you are on, or for links to update your browser, visit our website information here. If you are not sure whether your browser is suitable, we urge you to contact your technical support person or Internet Service Provider.

2. Updating your web browser Your web browser is the tool you use to view websites on the internet. It’s strongly advised that you use the most up-todate browser versions to get the best and most secure browsing experience. Why should I update my browser? Security vulnerabilities If you are using an outdated browser then you are putting yourself at risk from a number of security threats. Any version of Internet Explorer before IE11 are less stable and more vulnerable to viruses, spyware, malware and other security issues. Performance issues Older browsers tend to have a number of performance issues, like images taking longer to load which can be frustrating and creates a poor user experience. Older browsers have a higher tendency to crash, which is not desirable when using Internet Banking! Compatibility and display problems Websites should display consistently across all browsers, which can be difficult when it comes to the multiple versions of Internet Explorer (IE). Responsive design issues Mobile and tablet device optimisation (so that a website will work across multiple devices), is now essential for all websites (which is one of the benefits of your new Internet Banking!) The process of responsive design involves using a design system which is unsupported by versions of IE earlier than IE8. Follow the links below to update your browser: • Internet Explorer (Edge)

• Mozilla Firefox

• Google Chrome

• Safari.

To find out what browser you are currently on, just visit whatbrowser.org/

3. Register for Internet Banking You can register for Internet Banking by calling our Member Contact Centre or by visiting your nearest branch. You will be given a default password at the time. Alternatively you can complete the New Accounts and Access Services form. Once Internet Banking has been set up on your membership you will receive a letter advising you that you need to ring the Member Contact Centre to obtain your default password. Your default password will allow you to log into our Internet Banking site via the Internet Banking log on button, located on the right hand corner of every page of this website.

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For security reasons, the first time you log on you’ll be required to change the Password we gave you. This will need to be between eight and sixteen characters long. It’s imperative that you protect this password. Credit Union SA staff will never ask you for it, and you shouldn’t reveal it to anyone else either.

4. Log in to Internet Banking To use Internet Banking, select the LOGIN button located in the top right hand corner of the Credit Union SA homepage. Enter your member number and Internet Banking password in the spaces provided. (Your member number can be found on the bottom left hand corner of your card.) The first time you use Internet Banking you will be prompted to change your password and accept the terms and conditions of use.

The first screen allows you to view your accounts and account balances at a glance, you can reorder the display of your accounts by clicking the ‘Re-order Accounts’ link located above the first displayed account. To perform a quick transfer or payment, view additional account information or the last 10 transactions in the last 30 days, click on the 3 dot icon located next to the account balance. To perform other functions select the appropriate tab from the top of the screen and select your option from the drop down menu. To view your login history click ‘View session history’ and to view your mailbox, click ‘View mail’.

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Handy hint: If you would like to get back to the Homescreen at any point throughout your session, simply click on the Credit Union SA logo in the top left hand corner.

5. Internet Banking password Forgot Password If you’ve forgotten your Internet Banking password, you can simply click on the ‘Forgot Password’ link under the red Log In button on the Log In page. Note: To use this service, you must have a mobile number registered on your membership. If you have not set this up please call the Member Contact Centre on 8202 7777.

You’ll be presented with prompts as per image below to enter your membership details:

Once you’ve entered your details correctly and they exactly match your membership details, confirm the request and you’ll receive an SMS to your mobile number. Return to the Internet Banking Log In page to enter your temporary password. Then you’ll immediately be prompted to change the temporary password once you’ve logged in.

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Changing your password If you need to change your password, select the ‘Settings’ tab located at the top of the screen and select ‘Change Password’ from the drop down menu. Enter your Factor 2 Authentication when prompted and validate. You will then be prompted to enter your current password, as well as creating a new one. Click ‘Change password’ to confirm the change.

6. Set up/manage your email address and Internet Banking email notifications In certain instances you can choose to receive receipts and notifications via email. If you wish to change your email address and/or modify the email notifications you receive, select the ‘Settings’ tab at the top of the screen and then ‘Notifications’ from the drop down menu. Enter your new email address and/or update the type of notifications you wish to receive. Click ‘Save’ to save your changes.

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7. Factor 2 Authentication Verification Factor 2 Authentication is a form of second tier authentication, providing an additional layer of security. Credit Union SA requires that higher risk transactions use the second tier authentication to authorise those transactions. This applies when performing sensitive functions, or sending funds to a destination that you have not sent to before. This minimizes the risk of fraudulent activity on your account. The options available are in the form of a Secure SMS (SMS code sent to your mobile phone), VIP token or VIP credential downloaded on your mobile phone.You only need to authenticate yourself once per session. If you have any questions about this, simply call us on 8202 7777. How to register for Factor 2 Authentication. To register for Secure SMS Factor 2 Authentication, select the ‘Settings’ tab from the menu bar, followed by ‘Secure SMS Management’.

Follow the instructions, complete the required fields and read the terms and conditions. To register for VIP Security Factor 2 Authentication, select the ‘Settings’ tab from the menu bar, followed by ‘Register VIP Security’.

Follow the instructions, complete the required fields and read the terms and conditions.

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8. View and update your personal details You can view and update your address and contact details by selecting the ‘Settings’ tab at the top of the screen and then ‘Contact details’, ‘Address details’ or ‘Employer details’ depending on what you want to update, from the drop down menu. Enter your Factor 2 Authentication if/when prompted and update your details as required. Click ‘Save Details’ to save your changes.

9. Set up/manage SMS and Email Alerts The Alerts service allows you to keep track of your account balances and transactions via your mobile phone or email (or both). You can set up the following Alert types: Global Alerts: •

When a direct credit is processed to your account;

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When a direct debit is processed to your account.

Account Alerts: •

When your account balance reaches a particular high or low balance that you have chosen;

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You can choose to receive a balance report at a regular time and frequency as determined by you.

Card Alerts: •

You can set up to receive an alert everytime a particular transaction type (ie.Paywave, EFTPOS, ATM withdrawal and/or Visa transaction) is processed on a particular card;

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You can set up a Transaction Threshold (limit) alert on any of the above transaction types for a particular frequency (ie. daily, weekly, fortnightly or monthly) so that you receive an alert when the threshold (limit) set for that particular transaction type is reached within the selected frequency. If you do not reach the threshold (limit) within the frequency set, you will receive an alert at the end of the period notifying you of the amount spent within that period.

Before setting up specific Alerts you need to nominate how and when you wish to receive your Alerts. This only needs to be done once. To set up how and when you wish to receive your Alerts and to set up specific Alerts select the ‘Services’ tab from the top of the screen then ‘Alerts’ from the drop down menu. Enter your Factor 2 Authentication if/when prompted. If you have not already nominated how and when you wish to receive your alerts complete the ‘Mobile No’ and ‘Email ID’ fields (if not already completed). 9

Select either SMS or EMAIL (or Both) from the ‘Alert Me Via’ field. Select either ANYTIME or BETWEEN from the ‘Alert Me’ field and complete the required information and click on ‘Save’. If you have already nominated how and when you wish to receive your alerts click on ‘create alert’.

Depending on the type of Alert required select either the ‘Global’, ‘Account’ or ‘Card’ tab. Select the relevant Alert type and complete the fields as required. Click on ‘Save’.

10. View account balances You can view all of your account balances by selecting the ‘Accounts’ tab on the top of the screen and then ‘Balances’ from the drop down menu.

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To perform a quick transfer or payment from the account, view additional account information or the last 10 transactions in the last 30 days, click on the 3 dot icon located next to the account balance.

11. Open a Netsave account To open a new Netsave account, select the ‘Apply for’ tab from the top of the screen and then select ‘Netsave Account’ from the drop down menu and follow the instructions.

Close an account - To close any existing accounts, please visit your nearest branch or call us on 8202 7777. 11

12. Change the order your accounts are displayed You can change the order your accounts are displayed on the ‘Account Balance’ page by selecting the ‘Accounts’ tab from the top of the screen and ‘Balances’ from the drop down menu. Select the ‘Re-order Accounts’ link located above your accounts. The Reorder Accounts page is displayed and you can drag each account by selecting the icon to the right of the account balance and dragging into the order you wish to have the accounts displayed. Once you are happy with the account order click ‘Save Order’.

13. Change your Account Name If you want to personalise the name of your accounts, please call the Member Contact Centre on 8202 7777.

14. View transaction details To view transaction details select the ‘Accounts’ tab from the top of the screen and ‘Balances’ from the drop down menu. Click in the Account name of the Account you wish to view transactions. The transactions will be displayed with balances from the last 14 days. Alternatively select ‘Transaction List’ from the drop down menu from the ‘Accounts’ tab.’ The account accessed most recently will be displayed by default. To view the transactions of a different account to the one shown, select the arrow of the dropdown menu (located at the right of the Account balance) and make a different selection.

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To download the transactions into XLS, CSV, or QFX format or to print the transactions, click on the downward arrow at the end of the transactions, then select from the options displayed. To modify the Transaction search criteria, click on the magnifying glass icon located under the account details panel on the left and select the relevant search criteria or if you want to complete a more detailed search, select ‘Advanced Search’.

To complete an advanced search, select the Transaction Type from the list of transactions. Then select the data range, Values, Cheque number etc. you are searching for. Then select ‘Search’. If what you are looking for doesn’t come up in this search, you can try using the Search box to type in the biller name, or transaction name such as ‘Julie Birthday Present’.

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15. Saved Favourites You can sort your Saved Favourites by last payment date, description, Pay To or biller ID (BPAY). If you sort Favourites by description, last payment date, biller etc., it will be saved by that sort type next time you log in to Internet Banking. If you have multiple payments to one biller, it will sort by the most recent transaction. When sorting by Biller or Payee the reference/description will appear above the payment details, but the listing will actually be sorted by Biller/Payee.

So when looking for a Saved Favourite, pay attention to the Biller field/Payee name. You can also search for an individual payment- For example- if you search “AGL”, the search will return only AGL payments.

16. Transfer between your accounts To transfer between your accounts, select the ‘Transfers and bills’ tab from the top of the screen and then click ‘Transfers’ from the drop down menu. Select the accounts you wish to transfer between. Enter the amount you wish to transfer and complete the Reference field (if required). The information entered as the ‘Reference’ will appear on your statement and is a personal description of your transfer. If you want to set up the transfer as a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ link and select the date of your first transfer, the frequency from the drop down list and the number of transfers you wish to make (or alternatively select ‘Ongoing’ for ongoing payments).

Click ‘Pay Now’ if processing the transfer immediately or click ‘Set Schedule’ to schedule the transfer on a future date. A confirmation screen will display.

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Review the details of the transaction and if correct, click ‘Confirm’ to finalise the transfer or click the ‘Edit Payment’ link if you wish to modify the payment details. The transfer is processed successfully and a screen with a Transfer Reference number will display.

If you would like to print this, click on the printer icon in the bottom left hand corner of the screen. If you have set up the option to receive email notifications, a confirmation email will be sent to your nominated email address.

17. Transfer funds to another Credit Union SA Member (Pay member) To transfer funds to another Credit Union SA member, select the ‘Transfers and bills’ tab from the top of the screen and then click ‘Pay Member’ from the drop down menu. Ensure that ‘Add to favourites’ checkbox is ticked if you are processing a transfer to a new payee and would like to save their details for future transfers. Click on the drop down arrow alongside the account balance and select the account you wish to debit from. Enter the following or if you have transferred to this account previously, you can select the account from the Payee list on the right hand side of the screen : • a description (this is a personal description of your transfer) • the account number (not the member number) of the person you wish to transfer to • the first three letters of the surname in the relevant fields (for example, if you were transferring to someone with the surname Taylor, you would enter ‘TAY’ and if you were transferring to a business account in the name of Global Industries, you would enter ‘GLO’) 15

• a personal reference (this information will appear on the payees’ statement) • payees’ email address (optional) to automatically notify them of the payment. Enter the Amount to transfer. If you want to set up the transfer as a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ link and select the date of your first transfer, the frequency from the drop down list and the number of transfers you wish to make (or alternatively select ‘Ongoing’ for ongoing payments).

Click ‘Pay Now’ if processing the transfer immediately or click ‘Set Schedule’ to schedule the transfer on a future date. Enter your Factor 2 Authentication if / when prompted. A confirmation screen will display.

Review the details of the transaction and if correct, click ‘Confirm’ to finalise the transfer or click the ‘Edit Payment’ link if you wish to modify the payment details.

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The transfer is processed successfully and a screen with a Transfer Reference number will display.

If you would like to print this, click on the printer icon in the bottom left hand corner of the screen. If you have set up the option to receive email notifications, a confirmation email will be sent to your nominated email address.

18. Transfer funds to another financial institution (Pay anyone) To transfer funds to another financial institution, select the ‘Transfers and bills’ tab from the top of the screen and then click ‘Pay Anyone’ from the drop down menu. Ensure that ‘Add to favourites’ checkbox is ticked if you are processing a payment to a new payee and would like to save their details for future transfers. Click on the drop down arrow alongside the account balance and select the account you wish to debit from. Enter the following or if you have transferred to this account previously, you can select the account from the Payee list on the right hand side of the screen : • a description (this is a personal description of your transfer) • BSB number • the account number of the person you wish to transfer to • the account name of the person you wish to transfer to • a reference (this information will appear on your statement and the payees’ statement) • payees’ email address (optional) to automatically notify them of the payment. Enter the Amount to transfer. If you want to set up the transfer as a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ link and select the date of your first transfer, the frequency from the drop down list and the number of transfers you wish to make (or alternatively select ‘Ongoing’ for ongoing payments).

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Click ‘Pay Now’ if processing the transfer immediately or click ‘ Set Schedule’ to schedule the transfer on a future date. Enter your Factor 2 Authentication if / when prompted.

A confirmation screen will display. Review the details of the transaction and if correct, click ‘Confirm’ to finalise the transfer or click the ‘Edit Payment’ link if you wish to modify the payment details.

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The transfer is processed successfully and a screen with a Pay Anyone reference number will display.

If you would like to print this, click on the printer icon in the bottom left hand corner of the screen. If you have set up the option to receive email notifications, a confirmation email will be sent to your nominated email address. Charges for transfers to other financial institutions may apply; please refer to our Rates, Fees and Disclosure Documents section on our website.

19. BPAY View BPAY View allows you to receive, view and pay bills online through Internet Banking. To register for the BPAY View Service and to register a specific Biller select the ‘Transfers and bills’ tab from the top of the screen and select ‘BPAY View’ from the drop down menu and follow the instructions to register. You will need your current or previous paper bill to register a Biller. Shortly after registering, you will receive an email from BPAY View advising that you have successfully registered for the BPAY View Service. Review the details of the transaction and if correct, click ‘Confirm’ to finalise the transfer or click the ‘Edit Payment’ link if you wish to modify the payment details. The payment is processed successfully and a screen with a BPAY reference number will display. If you would like to print this receipt, click on the printer icon in the bottom left hand corner of the screen. If you have set up the option to receive email notifications, a confirmation email will be sent to your nominated email address.

20. Pay a bill using BPAY To pay a bill using BPAY, select the ‘Transfer and bills’ tab from the top of the screen and the click ‘BPAY’ from the drop down menu. Ensure that ‘Add to Billers’ checkbox is ticked if you are processing a BPAY payment to a new biller and would like to save their details for future payments. Click on the drop down arrow alongside the account balance and select the account you wish to debit from. Enter the following details or if you have paid this biller previously, you can select the biller from the Payees list on the right hand side of the screen: 19

• a description (this is a personal description of your payment) • Biller Code • Customer Reference Number Enter the Amount to pay. If you want to set up the transfer as a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ link and select the date of your first transfer, the frequency from the drop down list and the number of transfers you wish to make (or alternatively select ‘Ongoing’ for ongoing payments).

Click ‘Pay Now’ if processing the transfer immediately or click ‘Set Schedule ’ to schedule the transfer on a future date. Enter your Factor 2 Authentication if / when prompted. A confirmation screen will display.

Review the details of the transaction and if correct, click ‘Confirm’ to finalise the transfer or click the ‘Edit Payment’ link if you wish to modify the payment details.

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The payment is processed successfully and a screen with a BPAY reference number will display.

If you would like to print this, click on the printer icon in the bottom left hand corner of the screen. If you have set up the option to receive email notifications, a confirmation email will be sent to your nominated email address.

21. Viewing / Managing Scheduled Payments To view, update or cancel a scheduled payment, select the ‘Transfer and bills’ tab from the top of the screen and the click ‘Scheduled Payments’ from the drop down menu.

Click on the ‘…’ (the three dots next to the amount) of the payment you wish to view, update or cancel.

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Enter your Factor 2 Authentication if / when prompted. To delete the scheduled payment click on ‘Delete’ and follow the prompts. To change the details in the scheduled payment make the relevant changes and click ‘Save’ and follow the prompts.

22. Change the default debit account on my membership The default debit account is the account which will always initially appear as the ‘From Account’ for all Internet Banking debits. To change the default debit account for your membership, select the ‘Settings’ tab from the top of the screen and ‘Preferences’ from the drop down menu. Click the dropdown arrow alongside the top account balance and select the account you wish to appear as your default debit account. Click ‘Save’ to save your selection.

23. View interest paid or received To view interest paid or received on your accounts in the current or previous financial year, select the ‘Services’ tab at the top of the screen and ‘Interest and tax’ from the drop down menu. Interest will not be displayed for closed accounts. You can view the current or previous year’s interest details by clicking on the heading box as indicated below.

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24. Apply online for a loan or credit card To apply for a loan or credit card, select the ‘Apply for’ tab from the top of the screen and the relevant option from the drop down menu. Follow the instructions that appear on the screen.

25. Activate a new card Select the ‘Services’ tab from the top of the screen and select ‘Activate Card’ from the drop down menu. Enter your Factor 2 Authentication if / when prompted. Select the card number you wish to activate and click ‘Activate’. Your new card may take up to 12 hours to become active.

26. Change your PIN You are able to change the PIN on any Credit Union SA issued card via Internet Banking. You do not need to know the current PIN to change it online. Select the ‘Services’ tab from the top of the screen and select ‘Card Management’ from the drop down menu. Enter your Factor 2 Authentication if / when prompted. Click on the drop down arrow and select the card number you wish to change the PIN on. Select the radio button stating ‘Change my card’s PIN’, and enter your new PIN in the corresponding fields. Select ‘Change pin’, followed by ‘Confirm’ on the next screen. Your PIN will be updated immediately.

27. Report a card as lost or stolen When you report a card as ‘lost’ or ‘stolen’, we will automatically order a new card to be sent to your mailing address. Therefore, please ensure that your address details are correct before reporting a card as lost or stolen. If you wish to pick up a replacement card from one of our branches or require an urgent card reissue, please send a Secure Mail Message via Internet Banking or call our Member Contact Centre on (08) 8202 7777 immediately during business hours, or no later than 12 pm on the following day if reporting a lost or stolen card outside of business hours. To report a card as ‘lost’ or ‘stolen’ complete the following: Select the ‘Services’ tab from the top of the screen and select ‘Report Card Lost/Stolen’ from the drop down menu. Select the card number you wish to report as ‘lost’ or ‘stolen’ from the drop down list. (If you are unsure of which card needs to be changed to ‘lost’ or ‘stolen’, please contact Credit Union SA immediately.) Select ‘lost’ or ‘stolen’ from the Action drop down list, and click on ‘Submit’. Check card details, and if details are correct, click on ‘Continue’. A confirmation screen will display. If you would like to print this receipt, click on the printer icon in the bottom left hand corner of the screen. Click on ‘OK’.

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28. Secure Mailbox The Internet Banking Secure Mail facility allows you to send and receive messages in a secure environment to and from Credit Union SA. To access your Secure Mail select the ‘Services’ tab from the top of the screen and ‘Secure Mail’ from the drop down menu.

Secure Mail works like any other email service. To view your messages click on the subject link of the message you would like to view. To send a secure message to Credit Union SA click on the ‘Compose’ link. The ‘Compose New Message’ form will be displayed. Under ‘To’ select an ‘Enquiry Type’ from the drop down list, enter a relevant subject in the subject field and type your message in the message details section. When complete click ‘Send’ which is located on the bottom of the page to send your message to Credit Union SA or ‘Cancel’ to cancel sending message and return to the Secure Mail Message Inbox Page. We will respond to your message within two business days. If you require immediate assistance please contact us on 8202 7777 from 8.00am – 5.30pm (Mon, Tue, Thur, Fri), 9.30am – 5.30pm (Wed) and 9.00am – 12.00pm (Sat). You can also add attachments to your message. Attachments must be one of the following file types: .txt .pdf .doc .docx .xls .xlsx .jpg .jpeg .png .gif .bmp To view sent messages click on the ‘Outbox’ link. To view the content of the sent message click on the subject link and the message will be displayed. To delete any of your sent or received messages select the message(s) to be deleted then click ‘Delete’ located on the bottom of the page.

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29. Mobile Banking Our Internet Banking system is responsive in design- this means you can access full Internet Banking functionality via your mobile device such as iPad, tablet and mobile. Visit our Internet Banking FAQs for a list supported browsers and devices. Using your web-enabled mobile you can easily: • Locate the nearest branch or ATM • Contact us • Access our website Login to our secure banking site to: • Check your account balances • View your transaction history • Transfer money between your own accounts within Credit Union SA • Transfer money to other memberships at Credit Union SA • Transfer money to other Financial Institutions • Pay a bill using BPAY® Note: If you would like to apply for a loan or a credit card, please do so on your desktop as access for this functionality is not available from your mobile device.

30. Download the iPhone and Android Apps The iPhone Application is available via the App Store on your phone or can be downloaded via iTunes on your PC or Mac. The Android App is available via Google Play on your computer or via the Play Store on your Android Device - simply search for ‘Credit Union SA Mobile Banking App’. You can also download the App from our website via http://creditunionsa.com.au/access/mobile-banking-app The Credit Union SA Mobile Banking App allows you to: • Check balances and view your account history • Transfer between your Credit Union SA accounts • Transfer to other Credit Union Members accounts • Transfer to other financial institutions • Pay bills via BPAY. Plus you can: • Find your closest Credit Union SA branch/rediATM • Find out Credit Union SA’s great rates • Find out about other Credit Union SA products • Access financial calculators The first time you login to the app using your mobile you will need to register a four digit PIN. Once you have successfully registered a four digit PIN you can simply use this PIN to login to the app using your mobile. Note: You can only register one membership for the app on your mobile. For more information please refer to our Credit Union SA Mobile App User Guide available on our website.

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31. Register for eStatements You can register to receive your statements electronically by selecting the ‘Accounts’ tab from the top of the screen and then clicking ‘Manage eStatements’ from the drop down menu. Select the relevant email address and select ‘Register’ from the drop down box. Read and accept the Terms and Conditions. Then click ‘Submit my request.’ Once you have registered for eStatements all your previous statements will be available online in Internet Banking. Viewing your eStatements To view your eStatements, select the ‘Accounts’ tab and ‘View eStatements’ from the drop down menu. To search for a particular eStatement you can enter the start and end date, or statement number and sort statements by statement type or statement number. Click on relevant ‘View’ link to view your statement. Clicking on ‘Insert’, will display any important communication that may accompany your statement. A notification email will be sent to the nominated email address when your eStatement is available to view in Internet Banking. Update your eStatement details To update your email address for eStatement notifications select the ‘Accounts’ tab from the top of the page and ‘Manage eStatements’ from the drop down menu. Select ‘Update my details’ from the drop down menu, select the new email address and click ‘Submit my request.’ Unsubscribe from eStatements To unsubscribe from eStatements, select the ‘Accounts’ tab from the top of the page and ‘Manage eStatements’ from the drop down menu. Select ‘Deregister’ from the drop down list and click ‘Submit my request.’

32. Complete an International Transfer (Telegraphic Transfer) Credit Union SA offers International Transfers for 130 currencies. If you wish to receive email notifications for International Transfers ensure you’ve entered a valid email address and you have ‘Telegraphic Transfer’ ticked on the Notifications page. You can do this by selecting the ‘Settings’ tab at the top of the page and ‘Notifications’ from the drop down menu and confirming these details. To complete an International transfer select the ‘Transfers and bills’ tab from the top of the page and then ‘International Transfers’ from the drop down menu. The following screen will display.

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Select the country you wish to send money to. Select your desired currency from the currency dropdown list. Enter the amount you wish to send (either the foreign currency amount or AUD equivalent). Click on ‘Request Quote.’

Once you’ve selected ‘Request Quote’ the ‘Telegraphic Transfer - Quote’ screen will appear. (You may need to wait a moment while the results load.)

Please ensure you review the quote to check that all the details are correct. If you are happy with the quote click ‘Continue to Transfer’, alternatively select ‘Another Quote’ and repeat the previous step. You will be taken to the ‘Telegraphic Transfer - Payment & Beneficiary’ window.

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Complete the payment details. Please ensure all required fields are complete and then click ‘Submit’. The ‘Telegraphic Transfer - Pre-Confirmation’ screen will appear.

Please review the information and if correct, click ‘Update Quote’ or if any details need to be amended click ‘Cancel’, make the necessary changes and re-submit. Once you’ve selected ‘Update Quote’ click on ‘Confirm Transfer’ within 45 seconds, otherwise your quote will expire. If you’ve opted to receive notifications an email will be sent to your nominated email address containing the key transfer details. Once your transfer request is successful you can print the information displayed by clicking the print icon located at the bottom left of the page or you can start another transfer. Favourite Transfers You can also save your favourite International Transfer transactions but these will only be visible when working within that particular currency. For example - When you are starting your International Transfer, and select the currency you want from the drop down menu, after accepting the quote you’ll then be able to see all of the favourites for previous transfers in that particular currency. Or, if you click on ‘All’ you can see all of the favourites you have created but, as noted above, won’t be able to select a favourite if it does not match the currency you are working in for that particular transaction. Search for a Bank Service Please note- When using this service, if the bank you are searching for doesn’t exist in the country you are sending the money to, the bank will not be returned in the search. Some currencies may also require tax ID or phone numbers.

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33. Business Banking The Business Banking facility is an addition to our regular Internet Banking service that allows organisations to manage groups of transactions into batches eg. weekly payroll. Batches are saved and can be modified and reused, saving time by not having to re-key data and helping to keep track of the transactions. The facility is viewed through the Internet Banking service and includes the ability for a ‘Two to sign’ authorisation structure on accounts which require two signatures to withdraw. Refer to the dedicated Business Banking Guide on our website for transaction guidance. If you would like to enquire about the benefits Business Banking can offer your business or association, please call 8202 7503.

34. Fraud Prevention tips Whilst Credit Union SA applies stringent security standards to Internet Banking, there are some things you can do to assist in keeping your personal information secure and help prevent unauthorised access to your accounts. Do’s and Don’ts Security and privacy are of paramount importance to you and to us. While we do our utmost to ensure security and confidentiality, there are steps you should take to enhance your security and to protect yourself against identity theft. Operating any kind of financial service such as a cheque book, credit or debit card, telephone banking or Internet Banking, requires members to exercise due care to self-protect against fraud. In some circumstances, contributory negligence could lead to personal liability for fraudulent acts perpetrated on members’ accounts. The following information is provided as a guide to assist you in protecting the information on your computer. It is not an exhaustive list and is intended for information purposes only. Do’s • Do keep your computer access ID’s and passwords confidential and secure. • Do choose your password carefully. Choose a password that uses a combination of characters, numbers, and symbols. • Change your password regularly. • Be alert when using a PC for banking and other transactions in public areas such as Internet cafes. • Install reputable virus and anti-spyware software and ensure that it is updated regularly. Check with your local software supplier on the best software for you. • Install a personal Internet firewall to provide extra protection for your computer. Check with your local software supplier on the best software for you. For more information on personal firewalls, visit the Australian Federal Police website. • Always logon to Credit Union SA Internet Banking by first visiting the Credit Union SA public website and entering www.creditunionsa.com.au (URL) into the address bar. • When using your Visa card to pay for online purchases, always make sure you are accessing a secure site. Be sure to look for a padlock icon or indication that the website you are viewing is secure. • When you’ve finished using the Internet Banking service, make sure you click on Logout to exit. • Close your Internet browser after logging out of each Internet Banking session. • Turn off your computer when it is not in use. • Check the ‘Last Logged In’ information in each internet banking session - promptly report any irregularities to us. • Report suspected security breaches immediately. If you are concerned that another person has ascertained your password, you should immediately change it and advise us by calling 08 8202 7777. • Check your statements for any transactions that look suspicious. • Cancel any card that has been used fraudulently.

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Don’ts • Do not access banking sites from a link in an email. For more information on fake emails, visit Australian Federal Police Website. • Never, in response to any email, provide your personal or security details, including your Access Code, membership number or Internet Banking password. • Do not open, run, install or use programs or files obtained from a person or organisation you do not know or is not a reputable vendor. • Do not open email attachments from unknown sources. Email is one of the prime movers for malicious viruses. Delete any emails you think are suspicious. Delete the email from your ‘Inbox’, and delete it again from your ‘Deleted’ folder, or ‘Sent’ folder if you have forwarded on the email. • Never open an executable (.exe file) retrieved or received online unless you are expecting it from a trusted source. • Do not leave the screen idle for long periods or leave the PC unattended without locking your screen • Aside from following these tips, you should ensure that you check your accounts and statements regularly and notify Credit Union SA immediately if you notice any unusual activity. If you suspect or become aware that your password has become known by someone else, immediately call 8202 7777.

35. Contact us We trust that this guide has been able to help you complete your online transactions. If there are any other matters we can assist with in relation to your accounts and services please call our Member Contact Centre on 8202 7777.

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Curious? Just ask For more information about any of the products and services we can offer you at Credit Union SA, we’d be delighted to provide it.

Visit creditunionsa.com.au

Call our Member Contact Centre on 8202 7777

Drop in to your local branch

Ask a mobile manager

Credit Union SA Ltd ABN 36 087 651 232 AFSL/Australian Credit Licence 241066

Credit Union SA Centre Level 3, 400 King William Street, Adelaide SA 5000 GPO Box 699 Adelaide SA 5001

BRC_1053 070716