Victoria Teachers Credit Union - Member Tools - Internet Banking



	The Difference


	History


	Our Business


	Community Support


	Newsletters


	Our Awards


	Join Our Team


	News



	Savings & Transactions


	Cards


	Investments


	Loans


	Insurance


	Financial Planning


	Travel


	18 - 25 Starting Out Package


	Special Promotions


	Interest Rates


	Fees



	Individuals


	Business



	Internet Banking


	Internet Banking Security


	Deposit your salary


	Pay your bills


	Forms / Applications


	Calculators


	Footy Connection



	Getting Started


	Our Financial Planners


	Investing


	Salary Packaging


	Consultations / Seminars



	Superannuation


	54/11


	Investments


	Insurances



	What We Offer


	How to Join


	In Your School


	Events / Sponsorships


	Teaching Initiatives Program


	Interest Rates



	What We Offer


	How to Join


	Flexible Banking


	Teaching Initiatives Program


	Interest Rates



	Contact Us


	Further Information




	Internet Banking



		SMS Security



		SMS Alerts



		SMS Enquiries



		New Services



		Business Banking



		FAQ



		Terms & Conditions



	Internet Banking Security



	Deposit your salary



	Pay your bills



	Forms / Applications



	Calculators



	Footy Connection

FAQ


	Passwords
	Security
	Browsers
	Internet Banking Features
	BPAY
	VISA Credit Card
	SMS Security
	SMS Alerts & SMS Enquiries
	Other

Passwords

I have misplaced my password.
Contact the Credit Union on 1300 654 822, during business hours so we can reset your password.

My password has been stolen.
Ensure that you inform the Credit Union immediately. Call 1300 654 822 during business hours.

My password is being entered correctly; however, the system is advising that it is invalid.
Passwords are case sensitive. Enter your password again ensuring that each character is formatted correctly.

In which format should my new password be?
Passwords must be a combination of alpha and numeric characters and between six and eight characters.

I get the message 'your connection has timed out or been cancelled. Please re-enter your password'.
After a five minute period of inactivity, you will be logged out automatically and prompted to verify your password for security purposes.

Can my login password and Funds Transfer Password be the same?
No, your Funds Transfer Password must be different from your Login Password

What if I forget my Fund Transfer Password?

Contact the Credit Union on 1300 654 822 between 8am and 7pm Monday to Thursday, and 8am and 6pm Fridays so we can re-issue your password.

Top

Security

What is Two Factor Authentication?
An additional layer of online security that provides a second factor of verification to protect your online identity and transaction details.

Why Victoria Teachers Credit Union is introducing Two Factor Authentication?
Victoria Teachers Credit Union is committed to protecting the security and confidentiality of your personal information. The introduction of Two Factor Authentication is part of our ongoing efforts to ensure that our customers have a better peace of mind when banking online by providing an additional level of protection against online identity theft and other online frauds.

Is Internet banking as safe as other forms of account access?
Yes. So long as you follow the basic rules which should be applied to banking in general.


1.	Never communicate your password to others.
2.	We can protect your data, but your password is your responsibility. Change it regularly, never write it down, and create a unique set of characters that form this password.
3.	Do not leave a connected session unattended.
4.	Passwords are a unique signature to your account.
5	Ensure that you have up-to-date anti-virus software installed on your PC.

How are my personal details and account balances protected?
We have placed the utmost importance in ensuring that your funds and account information remain secure from unauthorised access. All information that is passed between our systems and your PC is encrypted, and must pass through various firewalls that protect our systems.

Is your Internet banking service secure? I have heard that the Internet is not a secure environment.
At Victoria Teachers Credit Union we recognise that it is of crucial importance that our service can bear examination and pass tests associated with its reliability, integrity and security.

Victoria Teachers Credit Union's Internet Banking has various security features that protect both the Member and Victoria Teachers Credit Union. These include:


i.)	Browser login page encryption
ii.)	Password anonymity
iii.)	Member chosen passwords
iv.)	Login page unable to be cached
v.)	Timeouts for inactivity when session opened
vi.)	128-bit encryption supported by 4th generation browsers (Internet Explorer 6.0 and above, Mozilla Firefox 3.0 and above)
vii.)	Host system security
viii.)	Audit trails
ix.)	Account accessibility parameters

How does the Internet Banking system authenticate me as the account owner?
We use password verification for authentication purposes. Should the password be incorrectly entered after 3 attempts, your account is locked and cannot be accessed for a lockout period.

Top

Browsers

A blank page is displayed when attempting to login to Internet Banking.


i.)	Ensure that your browser is set to check for newer versions of stored pages on every visit to the page.
ii.)	Reinstall your browser software under directions from your Internet Service Provider.
iii.)	Download the latest version of your browser.

What is the minimum browser versions supported by Victoria Teachers Credit Union's Internet Banking?
Victoria Teachers Credit Union's Internet Banking supports the following browsers:


	Internet Explorer version 6 and above (with latest service packs and updates). Current versions and updates of Microsoft Internet Explorer are available from http://www.microsoft.com/
	Mozilla Firefox version 3 and above (with latest updates). Current versions and updates of Mozilla Firefox are available from http://www.mozilla.com/en-US/firefox/
	Apple Safari version 3.1 and above for Mac OSX (with latest updates). Current versions and updates of Apple Safari are available from http://www.apple.com/safari/

Top

Internet Banking Features

Is a BPAY service provided by Victoria Teachers Credit Union's Internet Banking?
Yes. You can access BPAY by clicking on the 'BPAY' option in the top navigation menu. For more information, refer to the BPAY section on this page.

Are bill payments debited from my account online?
No. All methods of bill payment rely on funds being available on the date you have requested the bill to be paid. Bill payments are 'one-off' payments that are generally debited from accounts on the morning of the following working day.

When I request a transfer of funds, does the funds movement reflect in my account balances immediately?
Yes. Funds Transfer Internal adjusts the associated accounts online, thus these funds will become available for other uses.

For Funds Transfer External, where a 'today' payment request is made after 3pm, or outside of business hours, your payment will be sent on the next business day.

Top

BPAY

What is BPAY?
BPAY is a special feature of Victoria Teachers Credit Union's Phone Banking, and Victoria Teachers Credit Union's Internet Banking, which requires just one call or visit to our website to pay virtually all your bills.

BPAY offers you the flexibility of paying once-off payments, or setting up regular payments to BPAY billers.

BPAY is also a free transaction, helping you to bank fee-free.

Do I need to register for BPAY?
No. BPAY is a service offered through Victoria Teachers Credit Union's Phone Banking, Victoria Teachers Credit Union's Internet Banking.

What do I need to use BPAY?
You will need these details shown on the bill:


	The BPAY biller code
	Your Customer Reference Number
	The payment amount

How do I use BPAY?
If you're already registered for Phone Banking or Internet Banking, it's an easy 3-step process.


1.	Look for the BPAY logo on each bill
2.	If you are using BPAY via Phone Banking:
		Call 1300 654 104 to access phone banking
		Follow the prompts and select the option '5' (to pay your bills via BPAY)
	If you are using BPAY via Internet Banking:
		Visit our website at www.victeach.com.au
		Click on the Internet Banking 'log on' link to access our Internet Banking service
		Select the 'BPAY' option and select 'BPAY Payment'
3.	Follow the simple instructions and wait for a receipt number.

Top

VISA Credit Card

How do I apply for a VISA Credit Card?
Complete the application form and return to Victoria Teachers Credit Union.
One of our loans officers will call you within 48 hours.
If your application is accepted, your Credit Card will be issued to you within 5 business days.

Does the VISA Credit Card have any fees?


	There are no monthly fees and no annual fees.
	If a cheque is used to pay the VISA Credit Card repayment and it is dishonoured, the Member will be charged a dishonour fee.
	If the VISA Credit Card is used overseas, there are conversion fees.

Are there any fees associated with using my VISA Credit Card overseas?
Yes. Every time you use your card overseas, the transaction will need to be converted to Australian dollars. A conversion fee of 2% of the amount will be added to the transaction.

Does the VISA Credit Card have any Rewards/Reward Program?
No, the VISA Credit Card does not have any Rewards/Reward Program attached to it. With our Credit Card, you will benefit from a very competitive interest rate, no annual fee and up to 55 days interest free.

How can I repay the VISA Credit Card?


	You may choose to use the automatic payment facility that debits your S1 savings account for the minimum payment on the due date, or the closing balance of the statement on the due date.
	You may transfer funds via Phone Banking, our 24 hour, 7 day telephone banking system
	You may transfer funds via our Internet banking site.
	You may redraw funds direct from your loan if this is available to you.
	You can forward a cheque to our office (details are noted on the VISA Credit Card statement).
	You can pay in person at either our Camberwell or Moonee Ponds branch.

Where can I use the VISA Credit Card?
At any business where the VISA symbol is shown, either in Australia or overseas.

Can I use the VISA Credit Card at an EFTPOS terminal?
You can use your VISA Credit Card at an EFTPOS terminal, however, you have to press the 'Credit' button and sign the authorisation form. You cannot access cash via an EFTPOS terminal, as this is not linked to your savings account.

Can I use the VISA Credit Card overseas?
Yes, at any place where the VISA symbol is shown. This can be either at a business, retail outlet or for Cash Advances at an overseas bank.

If I experience problems in using my VISA Credit Card, whom do I call?
Please call Victoria Teachers Credit Union Card Services on (03) 9285 4199 during business hours.

If my card is lost or stolen, whom do I call?
Please call Victoria Teachers Credit Union on (03) 9285 4199 between 9:00am and 5:00pm Monday to Friday, or 1800 252 149 outside of these hours.

Can I change the PIN on my VISA Credit Card?
Yes, by visiting our Camberwell or Moonee Ponds offices, you can register the PIN of your choice.

Are there any age limits on applying for the VISA Credit Card?
The primary cardholder must be at least 18 years of age.

Can I have more than one card on the VISA Credit Card?
You can apply for the VISA Credit Card in joint names and you will be issued with individual Credit Cards linked to the one Credit Card account. This means that both cardholders are operating within the one Credit Card limit.
Alternatively, you can request to have an additional cardholder added to your existing VISA Credit Card.

Do I have to be a shareholder?
Yes, all borrowers must be shareholding Members.

What does 'Interest-Free days' mean?
'Interest-free days' means that you do not pay interest during this time. The following is an explanation of how this works. You have 25 days following your Credit Card statement to pay the full amount outstanding on the VISA Credit Card statement and not incur any interest charges. This means that you could make a purchase the day of your statement; as your next statement will not be issued for another 30 days, you have a maximum of 55 days interest free.
**Please note: 'Interest- free days', does not apply to Cash Advances or Balance Transfers**

How often will I receive a statement for my VISA Credit Card?
You will receive a separate monthly statement included with your current Member statement and the Slate Newsletter.

What if I don't pay the full amount outstanding on the VISA Credit Card statement by the due date?
If you do not pay the statement amount in full by the due date, you are not eligible for the interest-free days. Interest will be back-dated and charged from the effective date of the transaction.

How do I transfer the balance of my credit card held with another financial institution to my VISA Credit Card?
Simply complete and sign the 'Balance Transfer Authorisation' form and return to Victoria Teachers Credit Union. We will add the amount being transferred to your VISA Credit Card and pay the applicable financial institution.

Does the VISA Credit Card replace my VISA Debit Card?
No, they are two separate cards.
The VISA Debit Card accesses funds in your savings account or through your savings account to a Line of Credit facility.
The VISA Credit Card accesses funds up to your approved credit limit on the Credit Card.

When I make a payment, how is this applied to the money owing?
When making a payment, the funds are allocated to pay certain transactions first. The order is:


1.	Government Charges
2	Cash Advance Interest
3.	Cash Advance Statement transactions
4.	Cash Advance Current
5.	Retail Purchase Interest
6.	Retail Purchase Statement transactions
7.	Retail Purchase Current
8.	Current Interest charges

Top

SMS Security

What is SMS Security?
SMS Security is a free and easy-to-use service available to all Victoria Teachers Credit Union Internet Banking users with a mobile phone. It provides an additional layer of security when using the following Internet Banking services:


	Adding a new payee for external funds transfer.
	Adding a new BPAY Biller when making bill payments.
	Updating contact details.

How do I register for SMS Security?
When you login to Internet Banking you will be prompted to register for SMS Security. Simply follow the link to register your mobile number or alternatively:


	Call the Member Contact Centre* on 1300 654 822.
	Visit our branches at 277 Camberwell Road, Camberwell or 687 Mt Alexander Road, Moonee Ponds during business hours^.
	View online demo for easy to understand instructions. *8:00am - 7:00pm Monday to Thursday and 8:00am - 6:00pm on Fridays. ^9:00am - 5:00pm Monday to Friday.

How does SMS Security work?
Once you have registered, Victoria Teachers Credit Union will send a ‘one time password’ to your mobile phone. Simply enter the one time password within Internet Banking to complete your transaction.

Why has SMS Security been introduced?
Victoria Teachers Credit Union is committed to protecting the security and confidentiality of your personal information. The introduction of SMS Security is part of our ongoing efforts to ensure that our Members have peace of mind when banking online, by providing an additional level of protection against identity theft and online fraud. SMS Security means that even if your login ID and password fall into the wrong hands, your funds are still protected.

How does SMS Security protect me?
SMS Security requires an extra device (your mobile phone) to complete your authentication process. Adding a second factor (your mobile phone) as a requirement for authentication increases security well beyond the traditional login password approach because it requires the criminal to gain possession of both the password and your mobile phone to commit fraud.

When does the ‘one time password’ expire?
The ‘one time password’ can be used for only one authentication process. This password will not be accepted on second or following attempts. The ‘one time password’ will expire if you close or cancel the transaction or the Internet Banking session.

To avoid confusion, delete the message from your mobile phone when the ‘one time password’ has been successfully keyed into Internet Banking and accepted.

I do a lot of traveling, or find it difficult to get mobile coverage. How can I use SMS Security?
While in a mobile coverage area, you can add the payee or BPAY Biller prior to traveling. A ‘one time password’ is required to add a new payee and a new BPAY Biller, but future payments to these payees and BPAY Billers will not require an SMS.

You can also contact our Member Contact Centre on 1300 654 822 to activate a funds transfer password for a limited time while you are traveling. This will allow you to add new payee or BPAY Biller.

Will I be charged for using this new security feature?
No. Victoria Teachers Credit Union is providing the service free of charge to Members.

Does it cost me to receive a ‘one time password’?
No. Victoria Teachers Credit Union will not charge Members to receive a ‘one time password’. Members should check with their mobile phone provider to confirm whether or not they would be charged for receiving SMS, particularly when overseas.

I’m registered for onscreen-keypad or funds transfer password. Do I also need to register for SMS Security?
Victoria Teachers Credit Union recommends SMS Security for all Internet Banking users. SMS Security will provide you with a stronger authentication and more peace of mind. Your funds transfer password will be disabled when you login for the first time after this functionality is available. You can register for SMS Security at that time or contact the Member Contact Centre to reactivate the funds transfer password.

Can I add a new payee or new BPAY Biller using SMS Security while overseas?
Yes, you can send and receive SMS while overseas if your handset and SIM card allow global roaming and the country you are in operates via a compatible network. Please check with your mobile phone provider.

Can I use my international mobile number or international telecommunication service with SMS Security?
No. You will not be able to receive a ‘one time password’ when using an international mobile number. You can receive SMS while overseas if your handset and SIM card allow global roaming and the country you are in operates via a compatible network. Please check with your mobile phone provider.

I do not have a mobile phone. Can I still be protected with SMS Security?
You are still protected if you do not own a mobile phone. You can call the Member Contact Centre on 1300 654 822 during business hours to activate an alternative second level of security.

My partner and I use only one mobile phone between us. Can we still use SMS security?
Yes, you will still be able to use SMS security, however we would recommend you to contact Member Contact Center on 1300 654 822 to discuss alternative security options.

I am registered for SMS Security but I don't have my mobile phone with me or I can't receive an SMS message. What can I do?
You can contact the Member Contact Centre on 1300 654 822 during business hours to temporarily activate a funds transfer password for use with the on-screen keypad.

Can I change the mobile phone number that I have registered for receiving SMS messages?
You can contact the Member Contact Centre on 1300 654 822 to change your mobile number or you can update it yourself if both the new and existing mobile numbers are active.

I have just received an SMS however I am not logged into Internet Banking.
It may be that somebody else is attempting to access your Internet Banking profile. You should contact the Member Contact Centre on 1300 654 822 immediately.

I have not received the SMS Security confirmation message what do I do?
If you haven't received confirmation by SMS please call the Member Contact Centre on 1300 654 822.

What if SMS Security is not suitable to me (i.e. I don't own a mobile phone)?
If you think that our SMS Security Service may not be completely suitable for your situation (for example, you don't own a mobile phone, live in an area without mobile coverage, or you experience accessibility problems), please call our Member Contact Centre on 1300 654 822 during business hours to activate the a funds transfer password for use with the on-screen keypad..

Is SMS Security compulsory?
No. SMS security is not compulsory for Members, however Victoria Teachers Credit Union recommends SMS Security to all Internet Banking users. SMS Security will provide you with stronger authentication and more peace of mind.

Can I have separate mobile numbers for SMS Alerts, SMS Enquiries & SMS Security?
No. Members can register only one mobile phone number for all SMS Services.

Can I see a demonstration of SMS Services?
Learn more about Victoria Teachers Credit Union SMS Service by using our online demo.

Top

SMS Alerts/Enquiries

What are SMS Alerts?
SMS Alerts are available to all Victoria Teachers Credit Union Internet Banking users with a mobile phone. SMS Alerts notify Members on their registered mobile phone when certain account related events take place, such as:


	When an Internet Banking transaction is performed.
	When your account balance drops below a specified amount.
	When a payroll transaction is posted.
	And more!

What are SMS Enquiries?
SMS Enquiries are a very convenient way to obtain account information, and are available to all Victoria Teachers Credit Union Internet Banking users with a mobile phone. At any time Members can send SMS commands to Victoria Teachers Credit Union on 04 VTCU 1444 (0488 281 444) to get an immediate response to enquires such as:


	Balances for all savings accounts
	Balances for all loan accounts
	Balances for all investment accounts
	Balance details for selected accounts
	The last 3 transactions from a selected account
	The last 3 credit transactions from a selected account
	The last 3 debit transactions from a selected account
	The list of SMS Enquiry Commands

How do I register for SMS Alerts & SMS Enquiries?
When you login to Internet Banking you will be prompted to register for SMS Security, then you just follow the link to register your mobile number. When you register your mobile number for SMS Security you will also be asked if you wish to set up your SMS Alerts; at this point you will be already registered for SMS Enquiries. Alternatively you can:


	Call our Member Contact Centre* on 1300 654 822.
	Visit our branches at 277 Camberwell Road, Camberwell or 687 Mt Alexander Road, Moonee Ponds during business hours.^
	View our online demo. *8:00am - 7:00pm Monday to Thursday and 8:00am - 6:00pm on Fridays. ^9:00am - 5:00pm Monday to Friday.

How do SMS Alerts & SMS Enquiries work?
View our online demo to see how SMS Alerts & SMS Enquiries work.

What is the SMS Enquiries number?
0488 281 444 (04 VTCU 1444)

What are the SMS commands for SMS Enquiries?

SMS Text Example	SMS Returns

BAL	Balances of all accounts.
BAL S	Balances for all savings accounts.
BAL L	Balances for all loan accounts.
BAL I	Balances for all investment accounts.
BAL S1	Balances details from selected account.
BAL S1 S2 S3	Balances details from selected accounts - maximum 3 accounts.
T S1	Last 3 transactions from selected accounts.
T S1, S2, S3	Last 3 transactions from selected accounts.
TC S1	Last 3 CREDIT transactions from selected accounts.
TD S1	Last 3 DEBIT transactions from selected accounts.
?	List of Commands for SMS Enquiries.

Do I need to remember the commands for SMS Enquiries?
No, you can access them through our website by clicking SMS Enquiries Commands, or SMS ‘?’ to get the command list for SMS Enquiries.

Why have SMS Alerts & SMS Enquiries been introduced?
Victoria Teachers Credit Union is committed to providing superior service to Members. The introduction of SMS Alerts and SMS Enquiries is part of our ongoing efforts to ensure that our Members have peace of mind regarding security, and can access balance information when and where they like.

Will I be charged for using SMS Alerts & SMS Enquiries?
Members will be charged $0.25 cents per SMS for every SMS received as a result of SMS Alerts and SMS Enquiries.

Fee type	Fee amount

SMS Enquiries	$0.25 cents per SMS
SMS Alerts	$0.25 cents per SMS

Your mobile phone provider may also impose charges for SMS messages you send. Any such charges are your (or your signatory’s) responsibility and any matters regarding these charges should be raised with your mobile phone provider.

Do I need to activate SMS Security for SMS Alerts and SMS Enquiries?
Yes, you must activate SMS Security in order to use SMS Alerts and SMS Enquiries. SMS Alerts and SMS Enquiries are optional services,

What types of SMS Alerts can I receive?
Once you are registered for SMS Services you can choose any or all of the following alerts:


	When an Internet banking transaction if performed.
	When your account balance drops below a specified amount.
	When a payroll transaction is posted.
	When a Cheque deposit is cleared
	When a term deposit is due for renewal

Once you are registered for SMS Services you can request the following at any time:


	Balances for all savings accounts
	Balances for all loan accounts
	Balances for all investment accounts
	Balance details for selected accounts
	The last 3 transactions from a selected account
	The last 3 credit transactions from a selected account
	The last 3 debit transactions from a selected account
	The list of SMS Enquiry Commands

Can I modify or cancel my SMS Alerts settings?
Yes, you can modify or cancel your SMS Alerts at any time through Internet Banking.

Will I receive SMS Alerts and SMS Enquires while overseas?
Yes, you can send and receive SMS whilst overseas if your handset and SIM card allow global roaming and the country you are in operates via a compatible network. Please check with your mobile phone provider.

Can I use my international mobile number or international telecommunication service for SMS Alerts and SMS Enquiries?
No, you won’t be able to receive SMS notifications through SMS Alerts and SMS Enquiries when using an international mobile number. You can receive SMS while overseas if your handset and SIM card allow global roaming and the country you are in operates via a compatible network. Please check with your mobile phone provider.

Can I receive SMS Alerts from more than one mobile phone?
No. SMS Services must be requested and received by the mobile phone that is registered for your Internet Banking profile.

Can I have separate mobile numbers for SMS Alerts, SMS Enquiries & SMS Security?
No. Members can register only one mobile phone number for all the SMS Services.

What number should I use for SMS enquiries?
To request information about your accounts you can send an SMS to 04 VTCU 1444 (0488 281 444) with the specific command.
For example, to request the balance of your S1 account, you would SMS BAL S1 to 04 VTCU 1444.

What is the difference between SMS Enquiries and Telephone Banking?
SMS Enquiries uses an SMS from your mobile phone to access your accounts, requesting information. Phone Banking requires you to dial the Phone Banking telephone number, enter your Member number and password so you can retrieve information on your accounts.

Can I see a demonstration on the SMS Services?
Learn more about Victoria Teachers Credit Union’s SMS Service by using our online demo.

Can I view the history of an SMS sent to me?
Yes, you can view the list of SMS’s sent to you through Internet Banking under ‘View SMS Alerts History’.

How will SMS Alerts and SMS Enquiries benefit me?
SMS Alerts will provide you with instant notification on your Internet Banking transactions and SMS Enquiries will allow you to keep track of your banking anywhere, anytime at your fingertips.

Are SMS Alerts and SMS Enquiries compulsory?
No, SMS Alerts and SMS Enquiries are not compulsory for Members, however Victoria Teachers Credit Union recommends these services to all Internet Banking users.

Can I change the mobile phone number that I have registered for receiving SMS Services?
You can contact the Member Contact Centre on 1300 654 822 to change your mobile number or you can update it yourself if both the new and existing mobile numbers are active.

Top

Other

Can I access Internet Banking while overseas?
Yes. So long as you have access to a PC with a browser and access to the Internet.

The modem I am using is old. Will I still be able to access Internet Banking?
Yes, but it will take longer to download and display information.

What is a cookie?
It's information that is written to your computer about sites you frequently visit. This information is accessed when you make future visits to the site. It does not compromise your privacy or security.

Top

BSB Number - 704 191