Security tips for Internet Banking

What system security is in place for Internet Banking?¹

Regional Australia Bank take the security of your personal details and financial transactions very seriously and as such we utilise industry leading security systems, fraud prevention tools and transaction monitoring to ensure your online banking experience is secure.

These measures include;

• Secure login: To access Internet Banking you need to verify your identity by supplying your member ID and password.
• Transaction monitoring: Regional Australia Bank uses up to date technology to monitor and detect any possible fraudulent transactions. On occasion we may contact you to confirm transactions which may appear unusual are correct. At no time during these calls will we request your Internet Banking log in or your card PIN.
• Encryption: We use strong encryption to scramble all the data computers send when they are communicating with each other. Regional Australia Bank uses a 256-bit Transport Layer Security (TLS) which provides one of the best forms of encryption available. 
• Session timeout: To protect your accounts from any unauthorised activity in the event your session is left unattended or terminated abnormally, Internet Banking will automatically log you out and close your session. 
• Access lock out: To help protect you against anybody trying to hack into your account online, all login attempts into your account are recorded. If the number of unsuccessful login attempts exceeds the limit set by us, access to your Internet Banking service will be disabled immediately.  

What can I do to ensure my Internet Banking is secure?¹ 

Here are some tips to keep your banking experience secure.

Do’s

• Type www.regionalaustraliabank.com.au into your browsers address bar when you access our website and Internet Banking services rather than using your browser’s favourites or links sent to you in emails or via SMS.
• When you log into Internet Banking check the web address and ensure SSL/TLS encryption security is in place and the security certificate is valid 
• Make sure you keep your operating system up to date to help prevent viruses and other potential risks. Check to see if automatic updates can be enabled for extra peace of mind. 
• Ensure your Internet Banking password is strong and unique and keep it a secret. Choose a password which is easy for you to remember, but hard for others to guess. Don't use your date of birth, telephone number, address, your name or the name of a friend or relative.  
• Make sure you change your password on a regular basis - ideally every three months. 
• Turn off the automatically remember your username and password feature in your browser. See your browser’s documentation for details. 

Don'ts

• Avoid using public computers such as those in internet cafes, hotels and airports. If you need to, make sure you clear the browser’s cache, history and cookies when you have finished. 
• Never write your password down or share it with anyone. 
• Do not install software or run programs if you are unsure of their origin 
• Do not click on links to  websites or open attachments you are unsure of. Look out for emails that contain offers that seem too good to be true - they’re usually after your personal information or want you to download malicious software. 
• Do not leave your computer unattended whilst you are logged in to Internet Banking. Make sure you click the ‘Logout’ button when you have finished. 

Never give your Internet Banking password out to anyone.  If you become aware of a suspicious email, internet or telephone hoax, or if you think you have received a "scam e-mail", please contact us immediately on 132 067.

Here’s some more tips to help you stay smart online. https://www.communications.gov.au/what-we-do/internet/stay-smart-online

Our Internet Banking platform is a secure and user friendly way to conduct your banking.

How do I apply for Internet Banking?¹

Simply call 132 067 or visit your local branch.

What can I do as an Administrator on Internet Banking?¹ 

As an administrator you can create and manage users for both data entry operators and those who require authority to operate (ATO) access. Any user can be added for data entry (to setup transactions and manage payees), however users transacting must be registered as ATOs.

Users are allocated their own unique logins for the business; these are separate from any other personal logins they have for Regional Australia Bank Internet Banking.

ATO’s must be identified and registered with Regional Australia Bank, however day-to-day management of user access within Internet Banking is a self-service feature.

 

Can I upload from my accounting package?

Internet Banking has the ability to upload files created by various accounting or payroll software packages in CEMTEX (.aba) format to transfer funds electronically, as well as the ability to set up individual one-off or recurring payments.

 

What is the function of a data entry operator?

Internet Banking allows data entry operators to setup transactions, print or download statements, load/ maintain business payees or any other administrative task.

 

When two signatories need to approve a transaction do they need to be in the same location at the same time?

No, signatories do not need to be present in the one location at the same time to approve a transaction. Transactions can be stored ‘pending authorisations’ for later approval by other signatories. Each signatory can have various access and limits depending on their position.

 

Can data entry operator upload a file or reconcile?

Yes.

 

How much does Internet Banking cost?¹

Access to the Regional Australia Bank’s internet banking service is free, however some transactions completed using internet banking may attract a fee. Please refer to our Fees and Charges for specific transaction details.

Can I export/import a transaction file?

You can export your transactions into the following formats

• CSV: Comma Separated Values, Generic format for spreadsheets 
• OFX: Open Financial Exchange  
• OFC: MS Money Format 
• QIF: Quicken Format 

To do this, select the account on the Internet Banking home page and click ‘Download Transactions’ and follow the prompts.

If you need to make multiple, regular payments such as salaries to staff or BPAY payments you can upload an ABA file into our Batch Payment service. Select ‘Batch Payments’ from the ‘Transfer’ menu option.

How can I reset my password?

If you need to reset your password or have been blocked from Internet Banking please contact us on 132 067. Once the password has been reset by us you’ll need to log into Internet Banking to create your own secure password.

If you know your password but simply want to update it then please login into Internet Banking and change it under settings/password.

Does my login password expire and if so when will I know to reset it?

When your login is due to expire you will be prompted to create a new password.

You cannot reuse a previous password .

What security can I have on my account?¹

Regional Australia Bank offers a range of security options to protect your banking while online including SMS alerts for selected transactions and changes as well as Security Tokens. To select the option that best suits your needs please contact us on 132067.

Will I be charged for using the one-time password service?¹

There is no charge for the use of security tokens or SMS one-time passwords. However, if your token is lost or damaged as a result of misuse you may be charged a fee to cover the cost of a replacement. See Fees & Charges for details.

What happens if I misplace, lose or break my security token?¹

For the security of your account, please let us know immediately if you have lost your security token by contacting us on 132 067. We will disable the old security token and organise a new one which will need to be registered to your login.

Do I need to install software to use Internet Banking?¹

You do not need to install any software from Regional Australia Bank to access Internet Banking.  However, it is recommended you have an up to date web browser installed on your computer to make use of the additional security features, speed and customisations provided by browser manufacturers.

Regional Australia Bank Internet Banking supports the following browsers:

• Google Chrome (PC and Mac) 
• Firefox (PC and Mac)  
• Apple Safari 6 and above (Mac only) 
• Microsoft Internet Explorer 9 and above (PC only) 

You should also consider buying security software or ensuring that your existing security software is up to date.

For more information on website browser updating, check out this page.

For the best online banking experience and security features update your browser – here’s why.

Regional Australia Bank recommend if you are not using the most up to date version possible, that you upgrade your browser to a newer version that can:

• Provide you with additional security features (newer browsers protect you better against scams, viruses, Trojans, phishing and other threats);
• Increased browser speed (every new generation of browser improves load times)
• Improved website compatibility (websites using new technology will be displayed more accurately);
• Use new features and customisations to give you more comfort and a better online experience.

Outdated browsers provide limited features, bugs and operating faults, and a security risk to those using them.

If you can’t change your browser because of other requirements please consider installing a second browser for Internet Banking.

If required please speak to your network or computer provider.

For the best online banking experience and security features, Regional Australia Bank recommends using of the following free and reliable browsers when accessing Internet Banking.

• Google Chrome (PC and Mac) 
• Firefox (PC and Mac) 
• Apple Safari 6 and above (Mac only) 
• Microsoft Internet Explorer 9 and above (PC only)