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Our website
Internet Banking
A safe and efficient way of accessing your People’s Choice Credit Union accounts,
paying bills and transferring money.
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Contents
1. Security, system requirements and cookies ...3
2. Register for Internet Banking ... 4
3. Log-in to Internet Banking ... 4
4. Internet Banking password ... 6
5. Change your email address or Internet Banking email alerts ...7
6. Secure Code Verification ... 8
7. Factor2 Personal Icons... 11
8. Change my Factor2 Personal Icons ... 11
9. View and update your personal details ... 12
10. Contact Preferences ... 13
11. View account balances ...14
12. Open a new Account ...15
13. Close an Account ...15
14. Change the order your accounts are displayed ...16
15. Change your Account Name ...16
16. View transaction details ... 17
17. View my bills ... 17
18. Pay a bill using BPAY ...18
19. Schedule a regular BPAY payment or set one up for another day ...19
20. Change the default debit account on my membership...20
21. View and update my Direct Credits ... 21
22. Transfer between your accounts ...22
23. Transfer funds to another member ... 23
24. Transfer funds to another financial institution ...24
25. Make an International Money Transfer (IMT) ...26
26. Create and Schedule Batch Payments ... 33
27. View interest paid or received ...34
28. Maintain an Investment ...35
29. View Insurance Products ...35
30. View your People’s Choice Lite Home Loan ...35
31. Apply Online ...35
32. Activate a new card...36
33. Secure Mailbox ...36
34. Register for SMS Banking ...39
35. Mobile Banking ...41
36. Download the iPhone Application and Android Applications ...41
37. Register for eStatements ...42
38. Viewing your eStatements ...42
39. Update your eStatement details ...42
40. Unsubscribe from eStatements ...42
41. Fraud Prevention Tips ...43
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1. Security, system requirements and cookies
Our Internet Banking system is responsive in design which means you can use our full range of Internet Banking Services on a desktop or mobile device running a supported Operating System, for a list of supported Operating Systems refer to our Internet Banking FAQs www.peopleschoicecu.com.au/support/faq.
Internet Banking uses industry-standard encryption to keep you safe online.
Your browser must support 128 bit SSL encryption and have cookies and JavaScript enabled, to ensure the security of your online transactions. You should also make sure your internet browser is updated to the latest version. Most browser updates are available free online.
JavaScript, and cookies must be enabled to ensure you are able to use Factor2 Personal Icons (extra security for transactions such as BPAY® and funds transfers to another financial institution). You can either accept all cookies, or set your browser to enable cookies for the following sites:
https://digitalonline.peopleschoicecu.com.au/
https://b2ext.rflbiab.com.au https://bpayview1.inetbank.net.au
To check and update the cookies settings and ensure JavaScript is enabled refer to the help information available within your browser options.
® Registered to BPAY Pty Ltd ABN 69 079 137 518
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2. Register for Internet Banking
To register for Internet Banking, go to the People’s Choice website and click on ‘Log In’ located on the toolbar on the right hand side of the screen, the Internet Banking Login screen will be displayed. Click ‘Register for Internet Banking’. Alternatively call 13 11 82.
3. Log In to Internet Banking
To use Internet Banking, click on ‘Log In’ from the toolbar on the right hand side of the screen. Enter your member number and Internet Banking password. Your member number can be found on the bottom left corner of your People’s Choice Visa card or Redicard, or on your statement.
The first time you use Internet Banking you will be prompted to change your password and accept the terms and conditions of use. If you have forgotten your password and have a mobile number registered against your membership select the ‘Reset Password’ link on the Internet Banking Log In screen otherwise call 13 11 82 (refer to Section 5 - Internet Banking password reset).
Note A security feature of Internet Banking is that your account will be locked if you do not log in to Internet Banking within 180 days. To unlock it and you have a mobile number registered against your membership select the ‘Reset Password’ link on the Internet Banking Log In screen otherwise call 13 11 82 and after you have been identified, you will be provided with a temporary password and advised to change it as soon as possible. If it isn’t changed from the temporary password within 30 days, the account will be automatically locked again.
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4. Internet Banking password
Internet Banking password reset
If you’ve forgotten your Internet Banking password, you can use the Internet Banking password reset function found on the Internet Banking Log In page, click the ‘Reset Password’ link under the Log In button.
Note: To use this service, you must have a mobile number already provided on your membership. If you have not set this up
3. Log In to Internet Banking (continued)
The first screen you will see after logging in to Internet Banking is the ‘Welcome’ page. This screen allows you to view your accounts and account balances at a glance, you can reorder the display of your accounts by clicking the ‘Reorder 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 slide-out menu. To view your login history click ‘View session history’ and to view your mailbox, click ‘View mail’.
Please check the dates of your last login and last transactions displayed on the ‘Welcome’ page and make sure details are correct. If any of the information on this screen is incorrect, please call 13 11 82.
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call us on 13 11 82.
You’ll be presented with prompts to enter your membership details:
Once you’ve entered your details correctly and they 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, you’ll immediately be prompted to change the
4. Internet Banking password (continued)
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4. Internet Banking password (continued)
5. Change your email address or Internet Banking email alerts
In certain instances you can choose to receive information email alerts. If you wish to change your email address and/or modify the email alerts you wish to receive, select the ‘Settings’ tab at the top of the screen and then ‘Notifications’ from the slide-out menu. Enter your new email address and/or update the type of notifications you wish to receive.
Click ‘Save’ to save your changes.
temporary password once you’ve logged in.
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 slide-out menu.
Enter your current password in the first field and enter new password in the second and third fields provided, remembering that passwords are case-sensitive. Click ‘Change password’ to confirm the change.
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6. Secure Code Verification
Secure Code Verification is a form of second tier authentication and provides an additional layer of security. People’s Choice Credit Union 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 minimises the risk of fraudulent activity on your account.
The option available is in the form of a Secure SMS.
You only need to authenticate yourself with a second tier option once per session.
How to register for Secure Code Verification
To register for Secure Code Verification, select the ‘Settings’ tab from the menu bar, followed by ‘Secure Code Verification’.
Note: Currently only available to members with an Australian mobile and/or land line number.
Read the instructions and terms and conditions followed by selecting your preferred method of receiving a Secure Code, then select the ‘Register’ option.
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Select ‘Request Secure Code’
Enter the Secure Code and select ‘Continue Registration’
The following screen will show you have successfully registered.
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Using Secure Code Verification
Once registered for Secure Code Verification, you will be prompted to request a Secure Code whenever you are performing sensitive functions, or sending funds to a destination that you have not sent to before within Internet Banking.
When prompted, select ‘Request Secure Code’, a six digit code will be sent to your mobile or land line.
Enter the Secure Code received then select ‘Confirm’. The code must be entered within 5 minutes, if you require the Secure Code to be resent, select ‘Request Secure Code’.
Managing Secure Code Verification
If you would like to update your Secure Code Verification details, or deregister for the service, you can do this by contacting our National Contact centre on 13 11 82 or visiting your local branch.
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7. Factor2 Personal Icons
Factor2 Personal Icons help protect you from unauthorised transactions on your account. The first time you perform a function that requires Factor 2 Personal Icons, you will be asked to choose three secret icons that you’ll need to select once every time you use these functions in a single session. The keyboard is not used which means your passcode cannot be tracked by software which monitors key strokes.
Each time you perform a transaction that requires Factor 2 personal icons, you will be prompted with nine icons, including your three chosen icons, in a random order. You will need to select your secret icons in the correct order before you can make a transaction.
If you forget your Factor2 Personal Icons call us on 13 11 82.
8. Change my Factor2 Personal Icons
To change your Factor2 Personal Icons, select the ‘Settings’ tab from the top of the screen and then ‘Security Icons’ from the slide-out menu and follow the instructions on screen.
If you have forgotten your Factor2 Personal Icons call us on 13 11 82.
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9. 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
‘Member details’ from the slide-out menu. Enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking Session) and update your details as required. Click ‘Save’ to save your changes.
Note If you have not set your Factor 2 Personal Icon pass code, you will be prompted to before changing your personal details (refer to Section 9 Factor2 Personal Icons).
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10. Contact Preferences
To update your contact preferences, select the ‘Settings’ tab from the top of the screen then and ‘Contact preferences’ from the slide-out menu. Select the appropriate tick boxes and click ‘Save’.
You can also change your residency status here.
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11. 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 slide-out menu. Click in the account pane of any account to see the corresponding transactions.
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.
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12. Open a new account
To open a new Account, select the ‘Apply’ tab from the top of the screen and then select ‘Create Account’ from the slide-out menu. Enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking Session) and follow the prompts.
13. Close an account
To close an existing Account, select the ‘Services’ tab from the top of the screen and then select ‘Close account’ from the slide- out menu. Enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking Session) and follow the prompts.
Please note the following accounts cannot be closed online:
• Credit Card accounts
• Accounts with a negative (debit) balance
• Your last account (transaction or savings)
To close these accounts, please visit your nearest branch or call us on 13 11 82.
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14. 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 slide-out menu. Select the ‘Reorder Accounts’ link located above your accounts.
The Reorder Accounts page is displayed and you can drag each account by selecting the icon to the left 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’.
15. Change your Account Name
If you want to change the name of your accounts, select the ‘Settings’ tab from the top of the screen and ‘Update Account Name’ from the slide-out menu.
This will list your accounts and allow you to replace the existing name with a name of your choice (i.e. Holiday account). Click the ‘Save’ button located at the bottom left hand corner of the screen to save changes.
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16. View transaction details
To view transaction details select the ‘Accounts’ tab from the top of the screen and ‘Balances’ from the slide-out menu. Click in the Account pane of the Account you wish to view transactions.
Alternatively select ‘Transaction History’ from the slide-out menu from the ‘Accounts’ tab.‘ The account with the smallest account number will be displayed by default.
To view the transactions of a different account, select the arrow of the dropdown menu and make a different selection.
To modify the Transaction search criteria, click on the magnifying glass icon located under the account details panel on the left.
17. View my bills
To view your selected bills using BPAY View, select the ’Services’ tab from the top of the screen and select ‘BPAY view’ from the slide-out menu.
Follow the onscreen instructions to register for ‘BPAY View’, add billers and to view online bills.
To download the transactions into XLS, CSV, QIF 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.
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18. Pay a bill using BPAY
To pay a bill using BPAY, select the ‘Transfer/Pay’ tab from the top of the screen and ‘BPAY’ from the slide-out menu. Enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking Session).
Select which account you wish to debit from the drop down menu.
You can change your default debit account by selecting the ’Settings’ tab and ‘General Settings’ from the slide-out menu (refer to Section 19 Change the default debit account on my membership).
To pay an account from a previous BPAY biller, select the relevant biller from the Payees list on the right hand of the screen and enter the amount you wish to pay.
Ensure the Customer Reference Number is correct, as some billers change this number for each bill. Ensure that ‘Update billers’ is ticked if you would like to save this biller’s information in the Payees List on the right hand side of the page.
Click the ‘Create Payment’ button to proceed with the BPAY.
Confirm the details on the screen, and when correct click ‘Confirm’ to finalise the payment or click the ‘Edit Payment’ link to modify the payment details.
You will receive an email confirmation if you have this option turned on, refer to Section 6 Change your Email Address or Internet Banking Email Alerts.
Charges for BPAY apply, please refer to our Rates, Fees and Disclosure Documents section on our website.
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19. Schedule a regular BPAY payment or set one up for another day
If you wish to schedule a BPAY payment for a date in the future or set up a regular BPAY, select the ‘Schedule Payment’ link at the bottom of the page which will display the scheduled payment required fields. Select the date of your first payment, the frequency of the payments from the drop down list and the number of payments you wish to make or click ‘Ongoing’ for ongoing payments.
Click on the ‘Set Schedule’ button to proceed, the payment details will be displayed. Verify the payment details and click the
‘Confirm’ button if they are correct, or the ‘Edit Payment’ link if you wish to modify the payment details.
You will receive an email confirmation if you have this option turned on, refer to Section 6 Change your Email Address or Internet Banking Email Alerts.
To view and manage your scheduled BPAYS and transfers select the ‘Transfer/Pay’ tab from the top of the screen and ‘Edit Scheduled Transfers and BPAYs’ from the slide-out menu.
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20. 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 ‘General Settings’ from the slide-out menu. Select the account you wish to use from the drop down list.
Click ‘Save’ to proceed.
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21. View and update my Direct Credits
If you have funds credited directly to your People’s Choice account on a regular basis such as your Pay, the Direct Credits page will allow you to manage your Direct Credits without having to visit a Branch or calling our National Contact Centre.
The initial setup of the Direct Credit still needs to be established via the current process of visiting a branch or calling our National Contact Centre, but you can simply log in to Internet Banking and select the ‘Services’ tab , and ‘Direct Credit’ from the slide-out menu and you will be able to change the way your credit is split between your accounts.
Your existing Credit/s will be displayed on the Summary page so if you want to modify, delete or add splits, click on the relevant Credit and either modify the existing Split or use the ‘Add’ and ‘Delete’ buttons to Add or Remove Splits. Click the ‘Save’ button at the bottom of the page to save all changes.
Splits can be made between your own accounts or to other member’s accounts but cannot be made to accounts at another Financial Institution.
To delete a Direct Credit from the summary page list, or create a new Direct Credit, please visit your nearest branch or call 13 11 82.
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22. Transfer between your accounts
To transfer between your accounts, select the ‘Transfer/Pay’ tab from the top of the screen and then click ‘Transfer’ from the slide-out menu. Select the accounts you wish to transfer between and enter the amount you wish to transfer. The ‘Reference’
is a personal description of your transfer and will appear on your statement.
To set up a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ option 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 select ‘Ongoing’
for ongoing payments.
Enter the amount you wish to transfer. Click ‘Create Transfer’ or ‘Set Schedule’ to process or schedule the transfer.
Confirm the details of the transaction and click the ‘Confirm’ button if correct or the ‘Edit Payment’ link if you wish to modify the payment details.
If you have set up the option to receive email alerts, a confirmation email will be sent to your nominated email address (refer to Section 6 Change your Email Address or Internet Banking Email Alerts).
To change your default debit account for your membership, select the ‘Settings’ tab from the top of the screen and ‘General Settings’ from the slide-out menu (refer to Section 19 Change the default debit account on my membership).
To view your scheduled BPAYS and transfers, select the ‘Transfer/Pay’ tab from the top of the screen and ‘Manage my scheduled transfers’ from the slide-out menu.
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23. Transfer funds to another member
To transfer funds to another People’s Choice Credit Union member, select the ‘Transfer/Pay’ tab from the top of the screen and then click ‘Pay Member’. Enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking Session).
Select which account you wish to debit, from the drop down menu and enter a description, the account number (not the member number) of the person you wish to transfer to along with the first three letters of the surname (Pay To). For example, if you were transferring to someone with the surname Davidson, you would enter ‘DAV’. The same rule would apply for transfers to a business account. For example, if you were transferring to People’s Choice Credit Union, you would enter ‘PEO’.
Enter a reference and an optional email address to automatically notify your payee of this payment
If you wish to set up a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ link at the bottom of the page which will display the schedule payment required fields. Enter the date of your first transfer, select the frequency of transfers from the drop-down list and the number of transfers you wish to make or click ‘Ongoing’ for ongoing payments.
To change your default debit account for your membership, select the ‘Settings’ tab from the top of the screen and ‘General Settings’ from the slide-out menu (refer to Section 19 Change the default debit account on my membership). If you have transferred to this member’s account previously you can select their account from the Payees list on the right hand side of the page. Ensure that ‘Update favourites’ is ticked if you would like to save their details for future transfers.
Enter the amount you wish to transfer and click the ‘Create Payment’ or ‘Set Schedule’ button to process or schedule the transfer. Confirm 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.
If you have set up the option to receive email alerts, a confirmation email will be sent to your nominated email address (refer to Section 6 Change your Email Address or Internet Banking Email Alerts).
To view and manage your scheduled BPAYS and transfers, select the ‘Transfer/Pay’ tab from the top of the screen and ’Manage my scheduled transfers’ from the slide-out menu.
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24. Transfer funds to another financial institution
To transfer funds to another financial institution, select the ‘Transfer/Pay’ tab from the top of the screen and then click ‘Pay Anyone’. Enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking session).
Select which account you wish to debit, from the drop down menu, enter the BSB, account number and account name of the person you wish to transfer to, including a reference and transfer amount.
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.
The ‘Reference’ will appear on your statement and will be sent with the transfer to the receiving financial institution.
To set up a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ link at the bottom of the page which will display the scheduled payment required fields. Select the date of your first payment, the frequency of the payments from the drop down list and the number of payments you wish to make or click ‘Ongoing’ for ongoing payments.
You can change your default debit account by selecting the ’Settings’ tab and then by selecting ‘General Settings’ from the slide-out menu (refer to Section 19 Change the default debit account on my membership). The ‘Description’ is your reference only and will not appear on the statement. Click the ‘Create Payment/Set Schedule’ button to proceed with the transfer.
Note If an account number is greater than 9 digits enter only the last 9 digits, for example: 1809567869 enter 809567869.
Charges for External transfers may apply; please refer to our Rates, Fees and Disclosure Documents section on our website.
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24. Transfer funds to another financial institution (continued)
Confirm the details of the transaction and click the ‘Confirm’ button if correct or the ‘Edit Payment’ link if you wish to modify the payment details.’
If you have set up the option to receive email alerts, a confirmation email will be sent to your nominated email address (refer to Section 6 Change your Email Address or Internet Banking Email Alerts).
To view your scheduled BPAYS and transfers, select the ‘Scheduled Transfer/Pay’ tab from the top of the screen and ‘Manage my scheduled transfers’ from the slide-out menu.
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25. Make an International Money Transfer (IMT)
To make an IMT, select the ‘Transfer/Pay’ tab from the top of the screen and ‘International’ from the slide-out menu. Enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking session).
You need to register for International Money Transfers, please call 13 11 82 (within Australia), +618 8305 8305(overseas) or visit a branch. Once registered please ensure your residential and postal address are correct. These can be viewed by going to the
‘Settings’ tab and selecting ‘Member Details’ from the slide-out menu.
If you wish to receive email notifications for International Transfers ensure you’ve entered a valid email address and you have
‘International 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 slide-out menu and confirming these details (refer to Section 6 Change your Email Address or Internet Banking Email Alerts).
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25. Make an International Money Transfer (IMT) (continued)
Once the registration process has been completed and you have checked your residential and postal address, you can complete an International transfer by selecting the ‘Transfer/Pay’ tab from the top of the page and then ‘International’ from the slide-out menu.
Select the country you wish to send money to – the currency will default to the country’s currency. If the country’s currency is unavailable, select your desired currency. Enter the amount you wish to send (either the currency amount or AUD equivalent).
Click on ‘Request Quote.’
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25. Make an International Money Transfer (IMT) (continued)
Once you’ve selected ‘Request Quote’ the ‘International Transfer - Quote’ screen will appear. 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 ‘International Transfer - Payment & Beneficiary’ page once you’ve selected ‘Continue to Transfer’.
Complete the payment details. Please ensure all required fields are complete before clicking ‘Submit’.
Note Only Transaction Accounts that are not ‘two or more to sign’ are available to select from ‘Account to debit’ dropdown box.
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25. Make an International Money Transfer (IMT) (continued)
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25. Make an International Money Transfer (IMT) (continued)
The ‘International Transfer’ - Pre-Confirmation Screen will appear. Please review the information and where correct click
‘Update Quote.’ If any details need to be amended click ‘Cancel’, make the necessary changes and re-submit.
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25. Make an International Money Transfer (IMT) (continued)
Once you’ve clicked on ‘Update Quote’ you will have 45 seconds to confirm your transfer by clicking on ‘Confirm Transfer’.
If you’ve opted in to receive notifications an email will be sent to your nominated email address containing the key transfer details, (refer to Section 6 Change your Email Address or Internet Banking Email Alerts).
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25. Make an International Money Transfer (IMT) (continued)
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.
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26. Create and schedule Batch Payments
Batch Payment processing is a function available in Internet Banking that allows you to set up, maintain and process batches of payments. Payment types include internal and external transfers.
Batches can be created manually or by uploading CEMTEX (also referred to as ABA) files that have been generated externally by accounting software.
Batch Payments functionality requires Factor2 authentication and payments are included in the Internet Banking daily transaction limits.
Batch Payments processing is available to all members that have Internet Banking access and can be accessed from the
‘Transfers/Pay’ Tab and selecting ‘Business Banking’ from the slide-out menu in Internet Banking.
For more information please refer to the Batch Payments Guide on our website.
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27. View interest paid or received
To view interest paid or received on your accounts in the current or previous financial year, select the ‘Accounts’ tab at the top of the screen and ‘Interest Details’ from the slide-out menu. Interest will not be displayed for closed accounts. You can view the current or previous year’s interest details by clicking on the appropriate button.
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28. Maintain an Investment
To access this function select the ‘Services’ tab from the top of the screen and ‘Maintain Investment’ from the slide-out menu, enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking Session).
Provide your instructions for existing Term Investments at Maturity. You can advise us to either renew the Investment or withdraw the funds by transferring it to one of your nominated savings accounts.
29. View Insurance Products
If you have arranged CGU Insurance cover with us, select the ‘Accounts’ tab from the top of the screen and ‘Insurance Products’
from the slide-out menu to view your Policy number and other policy details.
30. View your People Choice Lite Home Loans
If you have a People’s Choice Lite Home Loan with us, select the ‘Accounts’ tab from the top of the screen and ‘Lite Home Loans’ from the slide-out menu to view your People’s Choice Lite Home Loan details.
31. Apply online
To apply for Visa Checkout by Visa, a personal loan, a home loan, a credit card, or to receive/opt out of receiving invitations for credit card increases, select the ‘Apply’ tab from the top of the screen and the appropriate option from the slide-out menu.
Follow the instructions that appear on the screen.
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32. Activate a new card
Select the ‘Services’ tab from the top of the screen and select ‘Activate Card’ from the slide-out menu.
Enter your card number and expiry date and click ‘Activate’. Your card will then be activated.
Note You will need to visit your local People’s Choice Credit Union branch if you wish to change your cards PIN number.
33. Secure Mailbox
The Internet Banking Secure Mailbox allows you to send and receive messages in a secure environment to and from People’s Choice Credit Union.
To access your Secure Mailbox select the ‘Services’ tab from the top of the screen and ‘Mailbox’ from the slide-out menu.
Enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking session).
Secure Mailbox works like any other email service.
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33. Secure Mailbox (continued)
To view your messages click on the subject link of the message you would like to view.
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33. Secure Mailbox (continued)
To send a secure message to People’s Choice Credit Union click on the ‘New Message’ link. The ‘New Message’ form will be displayed. 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, click ‘Send’ which is located on the bottom of the page to send your message to People’s Choice Credit Union or ‘Cancel’ to cancel sending message and return to the Secure Mail Inbox Page.
We will respond to your message within 2 business days. If you require immediate assistance please contact us on 13 11 82 weekdays 8am to 8pm or Saturdays 8.30am to 4.30pm (CST).
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
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33. Secure Mailbox (continued)
To view sent messages click on the ‘Sent Items’ 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.
34. Register for SMS Banking
To register for SMS Banking, select the ‘Services’ tab from the top of the page and ‘SMS Banking’ from the slide-out menu, enter your Factor2 Personal Icons when prompted (your Factor2 Personal Icons will only need to be selected once each Internet Banking session).
Enter your mobile number and read the SMS Banking Terms & Condition then click ‘Register’ and then ‘Yes’ to complete the SMS registration process.
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To update your SMS Banking mobile number or to deregister, click on the red ‘Settings’ icon located on the right under the SMS Banking heading.
Change the relevant field(s) and click ‘Save’.
Once you have registered, SMS your request to 0427 131 182. The two demand functions available via SMS are:
B Send the letter ‘B’ via SMS and it will return your Account Balances that are available via Internet Banking. Alternatively you can enter B followed by the sequence number in which an account appears in Internet Banking, to retrieve that account balance e.g. B3 - third account.
T Send the letter ’T’ via SMS and it will return Transactions for the first listed account in Internet Banking. Alternatively you can enter T followed by the sequence number in which an account appears in Internet Banking, to retrieve transactions for that account e.g. T3 - third account.
Note There is a 160 character SMS limit so not all accounts may show depending on how many accounts you have and your SMS request.
34. Register for SMS Banking (continued)
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35. 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.
You can also access our Mobile Banking site https://online.peopleschoicecu.com.au/smartphone/
Mobile Banking is a convenient way to do your banking anytime, anywhere. 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 People’s Choice Credit Union • Transfer money to other memberships at People’s Choice Credit Union
• Transfer money to other Financial Institutions • Make a Pay Easy Payment via SMS or email • Pay a bill using BPAY®
The first time you login to Mobile Banking 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 Mobile Banking using your mobile.
Note You can only register one membership for Mobile Banking on your mobile. You can register for Mobile Banking on another mobile however any single mobile can only be used for one membership.
For more information please refer to our Mobile Banking Guide available on our website.
36. Download the iPhone and Android Applications
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 People’s Choice Credit Union.
Using the App 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 People’s Choice Credit Union • Transfer money to other memberships at People’s Choice Credit Union
• Transfer money to other Financial Institutions • Pay a bill using BPAY®
For more information please refer to our People’s Choice App User Guide available on our website.
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37. Register for eStatements
You can register to receive your statements electronically by selecting the ‘Settings’ tab from the top of the page and by clicking ‘Switch to eStatements’ from the slide-out menu.
If you have entered an email address for Internet Banking notifications in the ‘Settings’ tab and ‘notifications’ slide-out menu, it will appear in the ‘Your Email Address’ box. You can update the email address from this page. Select the ‘Subscribe’ option 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.
Note If you update the email address in this section it will be updated for all Internet Banking notifications.
38. Viewing your eStatements
To view your eStatements, select the ‘Services’ tab and ‘View eStatements’ from the slide-out 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 a ‘View’ link to view a statement. Clicking on ‘Messages’, will enable you to view any important messages that may accompany your statement.
A notification email will be sent to the nominated email address when your eStatement is available to view.
39. Update your eStatement details
To update your email address for eStatement notifications select the ‘Settings’ tab from the top of the page and ‘eStatements management’ from the slide-out menu. Select ‘Update my details’ from the drop down menu, enter the new email address and click ‘Submit my request.’
Note If you update the email address in this section it will be updated for all Internet Banking notifications.
40. Unsubscribe from eStatements
To unsubscribe from eStatements, select the ‘Settings’ tab from the top of the page and ‘Switch to eStatements’ from the slide- out menu. Select ‘Unsubscribe’ from the drop down menu list and Click ‘Submit my request.’
Note Depending on the time of the month you subscribe or unsubscribe, changes may not take effect until the following month’s statement.
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41. Fraud Prevention tips
Whilst People’s Choice Credit Union 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.
• Always access our site by typing peopleschoicecu.com.au in the address bar or by keeping our website in your favourites or bookmarks folder.
• Always look for the padlock icon in the address bar when logged into Internet Banking.
• Check your personal details at the Welcome screen - if you do not recognise the last login or your details have been changed - contact People’s Choice Credit Union immediately.
• Never provide your password or account details in response to unsolicited requests such as phone calls or emails.
• Never enter your password or account details in a website that you have reached by clicking on a link in an email or on another website.
• Install adequate security measures on your computer such as up-to-date antivirus programs or personal firewall.
• Change your password regularly and try not to use the same password for every service. Remember you can change your Internet Banking password online at any time with the change effective immediately.
• Do not choose a password that is easily identifiable with you (for example, your date of birth, phone number, name or any part of it). Your password should be difficult to decipher and consist of alphanumeric characters.
• Set up email confirmation for transfers and BPAY.
• Always take precautions in Internet Cafes to make sure that no one is watching and make sure that you always log off the computer when finished.
• If you use a computer that is found or suspected to have a virus - change your password immediately.
• Always log out after finishing an Internet Banking session.
Aside from following these tips, you should ensure that you check your accounts and statements regularly and notify People’s Choice Credit Union immediately if you notice any unusual activity. If you suspect or become aware that your password has become known by someone else, immediately call 13 11 82.
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People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125, acts under its own Australian Financial Services Licence (AFSL 244310) and Australian Credit Licence (ACL 244310).
BRC 8.2.3 V2.2 0915
