Background BHCCU

FAQs

Welcome to our Online Banking user guide. This page will take you through some simple steps to help you access and use this service.

Here are some of our most frequently asked questions:

What is Internet Banking?

BHCCU’s internet banking facility has been designed to give our members another convenient method of conducting business on their accounts.

Features include:

  • Display account balances
  • Display transaction details
  • View and print transaction listings for selected periods
  • Transfer funds within a membership or another membership within this Credit Union
  • Transfer funds to external financial institutions
  • BPAY®
  • Personalise previous payee lists
  • Future date transactions and set up regular payments
  • View loan, term deposit and payroll details
  • Display interest earned
  • Register/delete details SMS Banking

How do I register for Internet Banking?

Members must be registered to use Internet Banking. You may either visit a branch or download the application form from our website. Users are then provided with a password for access.

What browser should I use with Internet Banking?

Internet Explorer or Netscape are the supported browsers for Internet Banking. Un-supported browsers known to work include Mozilla Firefox, Opera and Apple Safari.

What do I do if my access to Internet Banking becomes locked?

Internet Banking may lock you out if you enter your password incorrectly three times. If immediate access is required contact BHCCU during business hours and we will arrange to re-set your password.

Can I use Internet Banking if my membership is two to sign?

No.

What happens when I log into Internet banking for the first time?

Firstly, read Internet Banking Terms and Conditions, which is located in our Product Disclosure Statement.

When you logon to Internet Banking as a first time user you will be required to change your BHCCU issued password.

Can I change my password?

Yes. If you feel that your password may be known by someone else or you are not happy with it, you may change your password at any time. Go to the Tools Menu and select Change Password.

What if I forget my password or it does not work?

If you forget your password, you will need to call BHCCU during business hours to make arrangements for your password to be re-set. If the password you selected does not work, it may be because it does not meet the criteria for a secure password.

Passwords must be at least eight (8) characters. Your password is also case sensitive.

I just deposited money at the branch. Will this appear straight away?

Yes, Internet Banking is a Real Time system directly linked to our core banking system.

How do I transfer to other accounts within BHCCU?

You can transfer funds within your own membership, and to another membership within BHCCU. You will however require the account number for the account you are transferring funds to.

To process an internal transfer you will need to select the Transfers Funds Menu then select either Other accounts within this membership or Another membership within this Credit Union.

Can I transfer funds to another financial institution?

Yes. You can make payments to payees at other financial institutions. The details you need to provide to make a payment are BSB, account number, account name, reference and the amount to be paid. Please ensure that the details you provide are correct to avoid the payment being delayed or returned to BHCCU.

To process an External transfer you will need to select the Transfers Funds Menu then select Another financial institution option. You will then be asked to enter the details of the payment.

Is BPAY® available through Internet Banking?

Yes. BPAY® is a facility that is available to all users of Internet Banking. To process a BPAY® payment you will need to select the BPAY Payments menu.

Can I print a transactional listing through Internet Banking?

Yes. Under the Transaction History menu. You may choose the date range required and use the print option or simply view the details online.

Can I schedule BPAY® and External Transfer Payments for a future date? Can they be more than one off payments?

Yes. Transactions may be future dated in advance and may be set to run as either one off, weekly, fortnightly, monthly, quarterly or yearly. You can also set an end date.

Are future dated payments debited from my account at the time the payment is processed by me?

No. All future dated payments are set up like a periodical payment. You only need to ensure that there are sufficient available funds in your account on the due date of the payment.

Future dated payments can be viewed, edited or deleted from the Periodical Payments menu.

Will I be charged any fees for using Internet Banking?

The use of Internet Banking is generally a free service to BHCCU members. However, there are some types of transactions that incur a fee. Please refer to Fees and Charges Schedule.

Is Internet banking secure: How are my personal details and accounts protected?

We have placed the utmost importance in ensuring that your personal details, funds and account information remain secure from unauthorised access.

Internet banking employs 128 bit encryption of data sent to and from the site to ensure that no information can be intercepted and read by others (encryption scrambles the data that is sent on the line to stop people who may try to tap or hack into Internet communications). This is one of the highest levels of internet security available today.

The yellow padlock on the bottom of the browser page indicates that the site is secure. The web address https://www signifies that you are accessing a secured address (unsecured addresses start with http://).

I keep receiving the message, “Your session has timed out and as a precaution you have been automatically logged out. You will need to re-login if you wish to continue” Why does this happen?

After a pre-determined period of inactivity, Internet Banking has been set to automatically log-out users and force them to log back in by re-entering their password.