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Internet Banking Terms and Conditions

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Internet Banking Hotline

Please contact our Internet Banking hotline 03 6334 2510 or your local branch should you have any questions relating to these internet banking security enhancements (including mobile banking).

 

Anti Money Laundering Counter Terrorism Act

Bank of Heritage Isle (a division of Police Bank Ltd) is subject to anti-money laundering laws both within Australia and also any foreign country. These laws may affect the ability of the Bank to provide services to Members.

In order for the Bank, to meet its regulatory obligations, we may be required to disclose AML/CTF information by law:

  1. We may be required to release information regarding transactions to overseas regulators;
  2. We may be prohibited from effecting some transactions to overseas jurisdictions and involving certain persons (in addition to the prohibitions required by Australian law)
  3. Your transactions could be delayed, blocked or frozen if we believe on reasonable grounds that making a payment may be in breach of the law;
  4. You agree that we will incur no liability to you if we do delay or block any transaction, or refuse to pay any money in the reasonable belief that a transaction may contravene any such law;
  5. We may need to collect additional information from you in order for it to comply with AML/CTF laws; and
  6. We may suffer loss from you entering into transactions that would breach AML/CTF laws acting on someone else's behalf (unless they are a trustee) in breach of the AML/CTF laws, we may seek an indemnity from you.

Codes of Conduct:

  • These Conditions of Use comply with the ePayments Code where the code applies.
  • The relevant provisions of the Customer Owned Banking Code of Practice apply to these Conditions of Use.
  • Before you use the Internet Banking Service, you must:
    1. Have submitted to us an executed copy of the Internet Banking Service registration form or have applied to us to use the Internet Banking Service  in such other prescribed form as we may determine from time to time;
    2. Have been approved as an Internet Banking Service customer and have been issued with a password; and
    3. Read these Conditions of Use carefully as they will form the contractual basis for the use of the Internet Banking Service between you and the Bank.  

Definitions:

  • In accepting to access the Internet Banking Service you agree to comply with these Conditions of Use.
  • The Conditions of Use operate in conjunction with the terms and conditions applicable to nominated accounts. Save for the provisions in clause 5(e) of these Conditions of Use, if there is any inconsistency between these Conditions of Use and the nominated account, these Conditions of Use  prevail.  
  • In these Conditions of Use, any reference to the Bank is a reference to; Bank of Heritage Isle (a division of Police Bank Ltd.). Any reference to “us”, “we”, “ours” is a reference to the Bank. And “you” or “your” are references to you, the account holder(s) in respect of the account from which you instruct us to make transactions.
  • In these Conditions of Use any reference to "Internet Banking"  "the Internet Banking" "Our Internet Bank" is a reference to the Bank of Heritage Isle Internet Banking Service.
  • Unless otherwise required by the context, words importing the singular include the plural and vice versa.
  • In these Conditions of Use, where words or terms appear, they shall have the following meaning;
  • “Access method” means a method authorised by us for your use and accepted by us as authority to make a BPAY payment and to access your account and includes, but is not limited to any combination of a card, an account number,  card number, expiry date, PIN and password, but does not include a method which requires your manual signature.
  • “Account/s” means any account which we agree you may access for the purpose of effecting BPAY Payments.
  • “Ancillary Equipment” means any equipment (personal computer or otherwise) specified by us that you will require to use the Internet Banking Service .
  • “BPAY” Means the electronic payment scheme called BPAY operated in co-operation between Australian financial  institutions, which enables you to effect bill payments to Billers who participate in BPAY,  via Internet access or any other access method as approved from time to time.
  • “BPAY payment” means a payment transacted by us on your behalf using BPAY .
  • “Banking Business Day” means any day on which banks in Melbourne or Sydney are able to effect settlement through the Reserve Bank of Australia. 
  • “Cut off Time” means the time advised to you, prior to you confirming the payment instructions, by which your payment instructions must be received by us in order for those instructions to be processed that business day by BPAY or by us for any other payment and/or transfer instructions.
  • “ Internet Banking Service ”means Bank of Heritage Isle Internet banking service which you access with the ancillary equipment via the Internet. This facility allows you to obtain information on our products and services and to carry out transactions on your nominated accounts.
  • “Nominated Accounts” means, upon you receiving authorisation from us to access the Internet Banking Service, all your accounts under your Membership.
  • “Notice” means any form of written communication between you and us which includes written correspondence faxed, mailed or prepaid post or emaild.
  • “Password” means a code that must be a minimum of 4 characters and can be a combination of numbers 0-9 and or characters A-Z.

 

Guidelines you must follow to guard against unauthorised use of your password or code.

These guidelines provide examples only of security measures and will not determine your liability for any losses resulting from unauthorised transactions using your Password or code. Liability for such transactions will be determined in accordance with clause 9 of these Conditions of Use and the ePayments Code.

  • Steps to guard against unauthorised use:
  • Do not tell or show your password or code to another person or allow any person to observe as you enter the password. 
  • We recommend against recording your password or code. If you do so, you are responsible for keeping any records of your password or code secure or protected.
  • You must keep any records of your Membership number/Login and your password separate from each other.
  • Change your password frequently and use passwords which are hard to guess;
  • Ensure you have anti-virus software and a personal firewall. You should update the anti-virus and firewall products with security patches or newer versions on a regular basis, and never install software or run programs of unknown origin;
  • Do not accept links or redirections from other websites or media for the purpose of logging onto your website;
  • Always look for the SSL encrypted connection, indicated as https:// and a padlock, as well as check your institution’s name in the website’s digital certificate; and
  • Always be on the alert for fake websites and suspicious emails purporting to be from your institution, and report these immediately.
  • Avoid using computers at public places, such as Internet cafes, to undertake any online banking functions.
  • You must change your password the first time you use the Internet Banking Service. When you change your password you must not select an obvious password such as a dictionary word, name, date of birth, that could be associated with you.
  • If you forget your password, contact us and we will ask you to identify yourself before granting you access to the Internet Banking Service.
  • If you believe that another person knows your password, change your password immediately or report the matter to us.
  • You have a responsibility to exercise reasonable care to prevent unauthorised access to the computer.  
  • Immediately notify us of any change to your address.
  • Examine your periodical statement immediately upon receiving it to identify and report, as soon as possible, any instances where the Internet Banking Service has been used without your authority.
  • For the Internet Banking Service check your last log-in details which will appear under the account summary screen every time you log in. Notify us immediately if the last log-in details are incorrect.

 

Mobile Banking

Mobile Banking is an Internet Banking Service accessed through your Smartphone or any mobile device that provides Internet access and uses an internet browser. Screen appearance may vary from device to device and will depend on the browser you are using.

References to Internet Banking in these Terms and Conditions also refer to Mobile Banking. Any items marked with an asterisk (*) are not available on Mobile Banking.

Accessing Mobile Banking may use your data allowance and result in additional charges from your mobile data provider.

 

Internet Banking Terms and Conditions

  1. Restrictions and Termination of Access to the Internet Banking Service.
    • We reserve the right to restrict your access to the Internet Banking Service.
    • You may cancel your use of the Internet Banking at any time by giving us notice.
    • We may immediately terminate your use of the Internet Banking  at any time for security reasons or if you breach these Conditions of Use or the terms and conditions of any nominated accounts.
    • We may terminate your use of the Internet Banking Service for any reason, by giving you 14 days notice. The notice does not have to specify reasons for cancellation.
    • Transactions for which you have given us instructions and which are scheduled to be made after your use of the Internet Banking is terminated may not be effected by us.
    • The relevant provisions of the Customer Owned Banking Code of Practice apply to these Terms and Conditions.
    • We warrant that we will comply with the ePayments Code and the Customer Owned Banking Code of Practice ("COBCOP") where those codes apply. A copy of COBCOP is available from any of our branches on request or is available here.
    • We may attach services to or remove services from the Internet Banking Service. You will be notified if this is the case. Separate terms and conditions of use may apply to the added services.
  2. Protecting your Password, Computer and Ancillary Equipment
    • We will provide you with a password to use Internet Banking. You agree to protect this password as a means of preventing fraudulent or unauthorised use of your nominated accounts via the  Internet Banking.
    • You must change your password the first time you use the Internet Banking Service and at frequent intervals thereafter, for example, monthly. When you change your password, you must not select a password which represents your birth date or a recognisable part of your name. If you do use an obvious password such as a name or date you will be liable for any losses which occur as a result of unauthorised use of your password before you notify us that your password has been misused, lost or stolen or become known to someone else.
    • You must not tell or show your password to another person or allow it to be seen by another person including family and friends.
    • If you need to record your password, do not under any circumstance, record it on your computer or related articles unless you have taken reasonable steps to carefully disguise it or to prevent unauthorised access to the record. It is not reasonable to disguise your password as a telephone number, a birth date or by changing the order of the characters in the password.
    • You have a responsibility to exercise reasonable care to prevent unauthorised access to the ancillary equipment you use for Internet Banking.
    • You must not leave your computer unattended while you are on-line to the Internet Banking Service.
    • You should ensure that the computer is checked for viruses before using the Internet Banking Service.
    • We suggest you clear your browser cache (session memory) files at the end of your Internet Banking session in order to protect your privacy and prevent anyone from tracing your steps through the cache memory files.
    • Additionally, we suggest that you shut down all the windows of the browser you have used to gain access to the  Internet Banking and then restart the browser in order to ensure that the “back” function (or similar function in your browser) cannot be used to trace your activities.
    • If you require assistance in regards to clearing your browser’s cache, we suggest you review your browser Help facility or contact a PC support maintenance service for instructions on how to complete this process.
  3. Notification of Loss, Theft or Unauthorised Use of your Password.
    If your password is misused, lost, stolen or becomes known to someone else, you must notify us immediately by:
    • (during business hours) telephoning us; or
    • (outside of normal business hours) contacting us by using the out of hours method notified to you from time to time.
      We will acknowledge your notification by giving you a reference number that verifies the date and time you contacted us. We will then cancel your password and arrange for you to select a new password.
  4. Using Internet Banking Service.
    • We will advise you from time to time of the transactions which Internet Banking will enable you to perform.
    • In order to access Internet Banking you must:
      • Be a member of the Bank
      • Own or operate the required Ancillary Equipment; and
      • Hold an account with us or be a signatory to an account with us.
    • You may only use Internet Banking  to perform transactions on nominated accounts within your Membership. When you receive authorisation to access Internet Banking you may nominate specific accounts to access via Internet Banking. Some accounts may have restrictions placed due to the terms and conditions of that product, therefore, these will apply to Internet Banking.
    • Except as we otherwise agree from time to time, to allow future dated transactions and subject to terms and conditions of accounts under which funds are not available at call, transactions utilising the Internet Banking Service will normally be processed the same business day or the following business day.
    • You acknowledge and agree that we are authorised to act on instructions given by you through Internet Banking  or using your password.
    • If any nominated account is in the name of more than one person, the liability of all account holders under these Conditions of Use will be joint and several for any transactions carried out on that account in accordance with these Conditions of Use.
  5. Disputed Transactions
    • If you believe a transaction is unauthorised, or your periodical statement contains any instances of unauthorised use or errors, immediately notify us. We may ask you to provide further information.
    • We will investigate your transaction, and if we are unable to immediately settle your enquiry to your and our satisfaction, we will advise you in writing of the procedures for further investigation and resolution and may request further relevant details from you.
    • Within 21 days of receiving your complaint, we will advise you in writing of the results of our investigation, or advise you in writing that we require further time to complete our investigation.
    • We will complete our investigation within 45 days of receiving your complaint, unless there are exceptional circumstances. In such circumstances we will let you know the reasons for the delay and provide you with monthly updates on the progress of the investigation and its likely resolution date, except where we are waiting for a response from you and you have been advised that we require such a response.
    • When we notify you of the result of our investigation, we will advise you in writing of the reasons for our decision. If your nominated account is found to have been incorrectly credited of debited we will adjust the account accordingly and notify you of this. If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA. AFCA provides fair and independent financial services complaint resolution that is free to consumers.

      Website: www.afca.org.au
      Email: info@afca.org.au
      Telephone: 1800 931 678
      In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
    • It is recommended that you record all receipt numbers, payments or transfer reference numbers as issued to you by Internet Banking to assist in checking transactions against your statements.
  6. Withdrawals, Transfers, Payments and Transactions Limits
    • In the absence of any daily or other periodic transaction limit arrangements between you and us, you are only able to withdraw, transfer funds or make payments up to the available balance of your selected nominated account including the unused portion of any credit limit relating to that account. You agree that aggregation of any available balance or credit limit on nominated accounts is not possible when determining available balance or credit limit for the selected nominated account nominated. You acknowledge that third party organisations (such as merchants or other financial institutions) may impose additional restrictions on the amount of funds you may withdraw, deposit or transfer.
    • You may transfer funds within your Membership.
    • Instructions requiring the transfer of funds will not be acted upon if there are insufficient funds available in the selected nominated account either at the time you confirm the transfer instructions or when we attempt to perform the transfer in the course of our normal business procedures.
    • We will endeavour to settle any transfer instructions on the same business day the instructions were received provided the instruction regarding transfer of funds to accounts other than our accounts were received prior to cut off time.
    • Internet payment of funds to other parties does not include an account name as this does not form part of the internet payment instructions and will not be checked. The account name will be disregarded and the Bank will rely solely on the account number, when processing the payment. The payer customer will be liable for loss if the funds are unable to be retrieved from a third party.
  7. Payments
    • Instructions requiring the payment of funds to other parties will not be acted upon if there are insufficient funds available in the selected nominated account either at the time you confirm the payment instructions or when we attempt to perform the payment in the course of our normal business procedures.
    • At all times you acknowledge and agree that once you have confirmed a payment, the instruction is irrevocable and cannot be reversed. If you have made an error in the payment instruction you must contact us as soon as you realise the error, as well as, if applicable, contact the intended recipient of the funds, in an endeavour to correct the erroneous payment. We cannot warrant that a payment can be stopped or that the funds will not be appropriated prior to you taking action to correct the error. It is therefore imperative that payment instruction details are verified by you, prior to confirming the transaction.
  8. Online Information
    • You are able to view details or access details regarding your nominated accounts
    • From time to time we will tell you what other information you may view when using Internet Banking changes that you may make on line. If we give you access to make changes on-line, you agree that effective from the time you confirm the changes, by submitting them to us on-line, you are solely responsible and liable for any changes made on-line.
    • We will collect personal information about you for the purposes of providing our products and services to you. We  may disclose your personal information to others in order to execute your instructions (including your use of BPAY) Please refer to our Privacy Policy for further information.
    • Online statements - When you register for internet banking, your periodic statements will be converted to Periodic Online statements and you will cease receiving paper periodic statements through Australia Post. An email advice is sent to you periodically, advising that your statement is now available for viewing through the Internet Banking Service. You will use your normal login to access these statements.
  9. Your liability in case of Unauthorised use of the Internet Banking Service.

    a) You are liable for all transactions carried out by you regardless of when the transactions are processed to nominated accounts. You are liable for all transactions and other losses caused by unauthorised use of Internet Banking  or unless any of the circumstances specified in paragraph b) below apply.
    b) You are not liable for losses:

    • Where it is clear that you have not contributed to the losses;
    • That are caused by the fraudulent or negligent conduct of employees or agents of:
      1. The Bank; or
      2. Any third party organisation involved in the provision of our Internet Banking Service;
        • That are related to a password that is forged, faulty, expired or cancelled.
        • That are caused by the failure of the security measures we employ in our Internet Banking Service  to prevent unauthorised or fraudulent access to nominated accounts;
        • That are caused by the same transaction being incorrectly debited more than once to your nominated accounts; or
        • Resulting from unauthorised use of your password for our Internet Banking Service in relation to a transaction which takes place:
          • Before the time your password is provided to you; or
          • After we have received your request in writing to terminate your access to the Internet Banking Service; or
          • After you notify us that your password has been misused, lost or stolen or become known to someone else.

    c) You will be liable for any loss of funds arising from any unauthorised transaction on a nominated account if the loss occurs before you notify us that your password has been misused, lost or stolen or has become known to someone else and if we prove, on the balance of probabilities, that you contributed to the loss through:

    • your fraud, your failure to look after and keep your password secure in accordance with clauses 2(b), 2(d) or 2(e) or extreme carelessness in failing to protect the security of your password; or
    • unreasonably delaying in notifying us of the misuse, loss or theft of your password or if it becomes known to someone else and the loss occurs between the time you did, or reasonably should have become aware of these matters and the time you notify us.
      However, you will not be liable for:
      • The portion of the loss that exceeds any applicable daily or periodic transaction limits on your nominated accounts;
      • The portion of the loss on any nominated account which exceeds the balance of that account (including any prearranged credit); and
      • All losses incurred on any nominated account which you had not agreed with us could be accessed using your password.

    d) If clause 11(c) does not apply, your liability for any loss of funds arising from an unauthorised transaction on a nominated account, if the loss occurs before you notify us that your password has been misused, lost or stolen or has become known to someone else, is the lesser of:

    • $150.00
    • The balance of your nominated account (including any pre-arranged credit); or
    • The actual loss at the time you notify us of the misuse, loss or theft of your password, or if it becomes known to someone else (excluding that proportion of the loss which exceeds any applicable daily or other periodic transaction limits on the nominated account.)

    e) Notwithstanding any of the above provisions, your liability will not exceed your liability under the provisions of the ePayments Code.

  10. Our Liability
    To the extent permitted by law and the ePayments Code, we our agents or nominated service providers will not be liable to you for any loss, including consequential damage, arising as a result of:
    • Any breakdown or interruption in Internet Banking before the service accepts your transaction in accordance with your instructions;
    • Any inaccuracy, corruption of data, errors or omissions on, or in relation to, Internet Banking because of the operation (or failure) of the ancillary equipment; or
    • Any refusal of another party to receive a payment instruction from you.
      If our Internet Banking Service malfunctions and you should have been aware that these services were unavailable for use or malfunctioning, we will only be responsible for correcting errors in your nominated accounts and refunding to you any associated fees or charges. The Bank is not responsible for any defects in the goods and services acquired by you through the use of this facility. You acknowledge and accept that all complaints about these goods and services must be addressed to the supplier or merchant of these goods and services.
  11. Transaction and Other Fees
    • We will advise you whether we charge any fees and the amounts of such fees (including any dishonour fees) for:
      • issuing your password or any additional or replacement password;
      • using your password
      • any other service provided in relation our Internet Banking Service;
      • any BPAY payment
      • Giving you access to BPAY
      • Any other service provided in relation to BPAY and its access via our Internet Banking Service
    • We will also advise you whether we will debit any nominated account with government charges, duties or taxes arising out of our Internet Banking Service.
    • General information on standard fees and charges is also available to you on request from any of our branches.
    • ou are liable for any interest charge or fees and government taxes if you select an incorrect account type wile using our Internet Banking Service.
  12. Changes to Conditions of Use
    • We may change these conditions of use from time to time or may vary Internet Banking Service provided to you.
    • We will notify you (by notice in newsletter or statement or by an individual notice) at least 30 days before the effective date of change if it will:
      • impose or increase charges for the use of your password or for issuing additional or replacement passwords.
      • Increase your liability for losses; or
      • Impose, remove or adjust daily or other periodic transaction limits applying to the use of your password, your nominated accounts on the ancillary equipment
    • Conversely, reducing these obligations means we will notify you when we next correspond with you, by a notice in the newsletter or statement of account.
    • We will notify other changes no later than the day the changes takes effect by advertisement in national or local media, notice in newsletter or statement of account, or individual notice sent to member.
    • We are not obliged to give you advance notice if an immediate change to the Conditions of Use is deemed necessary for the security of our Internet Banking Service or individual accounts.
  13. Miscellaneous
    • The Conditions of Use govern your access to nominated accounts using the Bank of Heritage Isle Internet Banking Service. Each transaction on an account is also governed by the terms and conditions to which that account is subject. In the event of any inconsistency between these Conditions of Use and the terms applicable to any nominated account, these Conditions of Use shall prevail. General Descriptive information on the operation of accounts is available from any of our branches.
    • Any transaction undertaken on your nominated account will appear in our next statement sent to you in accordance with the Conditions of Use of the account.
    • You agree that you will promptly notify us of any changes of address for the mailing of statements etc;
    • We may post all account statements and notices to you at your registered address as provided for in our rules or constituting document.
    • It is your responsibility to obtain and maintain the ancillary equipment required to use our Internet Banking Service.
    • Our agreement with you in accordance with these Conditions of Use and for the transactions carried out under it are governed by the law in force in the State or Territory in which we carry on business, both you and we submit to the non-exclusive jurisdiction on the courts of that State or Territory in respect of any disputes.
    • You authorise us to give information about you and any nominated account to others in order to execute your instructions to us via the Internet Banking Service or where we reasonably think it necessary for the provision of that service. However, you may instruct us not to share your information by giving us written instructions to that effect.
    • From time to time we may advertise financial products or services on the website through which you access the Bank of Heritage Isle Internet Banking Service. You consent to receiving such advertising material when accessing our website or our Internet Banking Service.
    • You agree that you will not use the Bank of Heritage Isle Internet Banking service to exceed the unused portion of your credit limit whether under any pre-arranged credit facility such as a line of credit, overdraft or otherwise.
  14. Redraw Facility
    If you have a loan account with us, and under the loan contract there is a redraw facility, you will be able to utilise the Internet Banking Service to access the redraw facility.

    The following conditions apply to the use of the redraw facility:

    • Your loan contract must specify that a redraw facility is available;
    • You must have sufficient funds in the redraw facility so that you can access these funds;
    • The loan contract dictates what proportion of the available funds you may access at any one time;
    • Once you have accessed the redraw facility, the terms and conditions of the loan contract will apply to the outstanding balance of the loan which will include the funds drawn under the redraw facility; and
    • You may only transfer funds as part of the redraw facility to your nominated account which is a savings account with us.
    • You agree that you will not use the  Internet Banking service to exceed the unused portion of your credit limit whether under any pre-arranged credit facility such as a line of credit, overdraft or otherwise.
  Important Information for Internet Banking Users

Bank of Heritage Isle take the security of your internet banking accounts seriously. Detailed below is information regarding security features on the site.

Date of Birth

The Date of Birth input adds an extra layer of login protection, as most people have little difficulty remembering their own date of birth, but few would be tempted to write it down. The date of birth will be required on login page.

Scrambled PINPAD

Pin pads require the user to click on the number in a popup keypad that appears on the screen when activated. The numbers in the Pin pad keys are arranged randomly and the number cannot be entered directly into the text box.

CAPTCHA

CAPTCHA is an acronym for “Completed Automated Public Turing test to tell Computers and Humans Apart”

The system uses a reverse Turing test, named after Alan Turing who invented the Turing test to determine a machine’s capability to perform human-like responses. A reverse Turing test is designed to determine whether the user is a human rather than a machine or program. Basically, the CAPTCHA program can generate and grade tests that most humans can pass, but most automated routines and computer programs cannot pass. For example, most people can read distorted text or text that has a pattern through it. Computer programs and automated routines generally can not read this code accurately. The code is changed each time the user accesses the login page, so even if the code is obtained, it is not suitable for later use.

Register

Register for Heritage Isle's Internet Banking

Questions?

If you have any questions, please contact us