Internet Banking User Guide

May 2024
Contents
1. Internet Banking with Summerland ................................................................................................................. 4
2. Daily Limits ........................................................................................................................................................ 4
3. Online Security .................................................................................................................................................. 5
4. Logging on to Internet Banking ....................................................................................................................... 6
5. Internet Banking Passcode .............................................................................................................................. 8
Passcode Reset ............................................................................................................................................... 8
Changing Your Passcode ................................................................................................................................. 9

6. The Balances Page .......................................................................................................................................... 10

7. Fixed Term Deposits ....................................................................................................................................... 11
8. Transaction History.......................................................................................................................................... 13
9. Interest and Tax ............................................................................................................................................... 14
10. Manage PayID .................................................................................................................................................. 15
11. Transfer ............................................................................................................................................................ 16
12. Pay Someone ................................................................................................................................................... 17
13. Paying Bills using BPAY ................................................................................................................................. 18
14. International Transfers..................................................................................................................................... 19
15. Scheduled Transfers ....................................................................................................................................... 22
16. Favourites ........................................................................................................................................................ 23
Validated and Non-Validated Payees............................................................................................................ 23
17. Business Banking ........................................................................................................................................... 24
Creating Manual Batches .............................................................................................................................. 25
Creating CEMTEX Batches ........................................................................................................................... 26
Processing a Batch on One-to-Sign Accounts .............................................................................................. 27
Processing a Batch on Other Accounts......................................................................................................... 28
18. Direct Credits .................................................................................................................................................. 30
19. Loan Status ..................................................................................................................................................... 31
20. Card Management .......................................................................................................................................... 32
21. eStatements .................................................................................................................................................... 33
Manage eStatements .................................................................................................................................... 33
Viewing eStatements ..................................................................................................................................... 33
22. Alerts................................................................................................................................................................ 35
Security and Privacy ...................................................................................................................................... 36
23. Secure Messaging ......................................................................................................................................... 37
24. Sharing ........................................................................................................................................................... 39
25. One Time Password ....................................................................................................................................... 39
26. Open an Account ........................................................................................................................................... 40
27. Loan Application ............................................................................................................................................ 42
28. Address Details ............................................................................................................................................. 43
29. Contact Details .............................................................................................................................................. 44
30. Personal Details ............................................................................................................................................ 45
31. Employment Details....................................................................................................................................... 46
32. Changing Your Passcode .............................................................................................................................. 47
33. Account Reorder ............................................................................................................................................ 48
34. Notifications ................................................................................................................................................... 49
35. Two (2) Factor Authentication ....................................................................................................................... 50
Secure SMS .................................................................................................................................................. 50
VIP Security (Token or Mobile App) .............................................................................................................. 51
36. Preferences ................................................................................................................................................... 52
Frequently Asked Questions ................................................................................................................................. 53
1. Internet Banking with Summerland
Internet Banking provides a modern online banking platform, with great features and security protection.

Device Independent – designed to be used on desktops, laptops, tablets, and smartphones enabling you to do
all your online banking wherever, whenever, and however you want.

Responsive Design – responds to changing screen sizes and orientations, eliminating the need to zoom in and
out, ensuring a seamless experience regardless of the device you use.

Easy Navigation – intuitive menus that help you to easily find your way around and always know where you are.

Simple to Use – clear uncluttered design and layout with colours used to differentiate your account types and
status clearly and easily.

2. Daily Limits
Standard transfer limits are set at $50,000 per day for Pay Anyone transfers to another Summerland customer,
and $5,000 per day for Pay Anyone transfers to other financial institutions (including BPAY). Standard
international transfer limits are set to $1,000 per day.

Transfers will fail if the total amount exceeds the daily limit.

When a Business Banking batch needs to be authorised by two or more people, the final person responsible for
authorising the batch must have a daily limit sufficient to cover the total batch amount plus any other transaction(s)
they’ve already processed that day. Otherwise, transactions in the batch will fail once that person’s daily limit is
reached.

Customers needing a higher daily limit need to contact us on 1300 728 728.

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3. Online Security
When creating your passcode, make sure you create a passcode that nobody else will be able to guess. Do not
use details from your date of birth, telephone number, your name or any other easily guessed series of characters.

You must keep your passcode secret. Do not share it with anyone including family, friends, and other institutions.
Do not let anyone else see it. Never write your passcode down without making reasonable attempts to keep it safe.
Never store your passcode with your computer or internet-enabled device.

We will never ask you for your passcode.

Unauthorised use of your passcode should be reported to us immediately. If you suspect that someone else has
used your passcode, knows your passcode, or you have written your passcode down and lost it, you should tell us
and change it as soon as possible.

In addition to keeping your passcode safe, there are some other things you can do to stay secure when using
Internet Banking.

Make sure your computer or internet-enabled device is free from malicious software (malware) by keeping your
software up to date. Use reputable and reliable antivirus and firewall software. If you believe your device has a
virus, do not log onto Internet Banking until the threat has been removed from your system by updating your
antivirus and security software, re-scanning your computer and removing all detected viruses.

Do not open email attachments if they look suspicious or you were not expecting to receive them. Do not give
anyone your personal information or passcode when asked in an email or by telephone.

 Be aware that Summerland will never ask for your passcode, and that a common fraud method
to try and obtain your details is phishing e-mails. Never reply to such e-mails.

Always remember to log out of Internet Banking when you are finished.

The following websites provide some practical tips to assist in protecting your security whilst
online:
• Scamwatch: www.scamwatch.gov.au
• Stay Smart Online: www.staysmartonline.gov.au
• Anti-Phishing Working Group: www.antiphishing.org

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4. Logging on to Internet Banking
To use Internet Banking, click on ‘login’ from the top toolbar on Summerland’s website homepage. You will be
directed to the page below to enter your customer number and Internet Banking passcode.

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The first time you log into Internet Banking, you will need to read and agree to the Terms and Conditions by
clicking on the ‘I Accept’ button at the bottom of the page before you can continue.

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5. Internet Banking Passcode
Passcode Reset
If you’ve forgotten your passcode, you can use the Passcode Reset function found on the Log In page. Click the
‘RESET PASSCODE’ link under the Log In button.

You will be presented with prompts to enter your details.

Once you’ve entered your details and they correctly match the details we hold, confirm the request and you will
receive an SMS to your registered mobile number with a temporary passcode.

Return to the Log In page and enter the temporary passcode. You’ll be immediately prompted to change the
temporary passcode once you’ve logged in.

Note: To use this service, you must have a mobile number registered with Summerland. If you haven’t provided
Summerland with your mobile number, call us on 1300 728 728.

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Changing Your Passcode
We recommend that you update your passcode regularly. To change your passcode, first select ‘Settings’ from
the main menu, and then select ‘Change Passcode’ from the sub-menu.

Generate and enter your Two (2) Factor Authentication code when prompted (see Section 34 - Two (2) Factor
Authentication). Enter your current passcode in the first field and your new passcode in the second and third fields.
Click the ‘Change Passcode’ button to confirm the change.

Passcodes should be between 8 and 24 characters long, contain at least one (1) upper- and lower-case letter, one
(1) number and one (1) symbol. Passcodes should not contain part of your name, your date of birth, or your
customer number and must be different to your previous five (5) passcodes.

A Passcode Strength Meter will show you how strong your new passcode is on a scale from “Very Weak” to “Very
Strong”. Very weak passcodes are not allowed.

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6. The Balances Page
The first page you will see after logging on is the Balances page. This page allows you to quickly view your
accounts and balances, each displayed on its own ‘account card’. Account cards are colour-coded by product
type for easy identification.

You can change the display order of your account cards by clicking the ‘RE-ORDER ACCOUNTS’ link found above
the first card (see Section 32 - Account Reorder)

View additional account information, the last 10 transactions, and quickly access commonly used actions by
clicking the 3-dot icon (…) on the account card.

Each time you log on, you should check the Information Panel on the right for the dates of your last log in and
details of your last transactions. You should also check for any new Secure Messages, new eStatements, or
Business Banking batches awaiting approval. If any of this information is incorrect, please call us immediately on
1300 728 728.

To access other functions, select from the main menu at the top of the page.

 You can return to the Balances Page at any time by clicking on the Summerland logo at the top left of
the page, or selecting ‘Accounts’ from the main menu and then ‘Balances’ from the sub- menu.

Note: The last logged in time is Australian Central Standard Time (ACST) or Australian Central Daylight Time (ACDT) as
appropriate.

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7. Fixed Term Deposits
Fixed Term Deposit details can be viewed by selecting the 3-dot icon (…) as seen below:

By clicking on the “Renewal Details” button you can view, edit, and accept term deposit details as shown below.

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Note: only single owned term deposits can be edited. Fixed term deposit renewal details cannot be edited on jointly owned fixed
term deposits. Fixed term deposit renewal details cannot be accessed in Internet Banking by Signatories, Beneficial Owners or
Power of Attorneys.

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8. Transaction History
To view transaction details, select ‘Accounts’ from the main menu and then ‘History’ from the sub-menu.
Alternatively, click on the account card on the Balances page.

Note: A transaction history search has the following limitations:

• A maximum of 500 transactions will be returned in any one search - consider multiple searches over
shorter time periods to ensure all transactions are captured.
• No transaction older than 13 months will be returned - review your statements for older transactions
(see Section 20 - eStatements).

Use the Keyword Search function to search for a particular transaction by description, or select the date range to
refine your search.

To further refine the search criteria, click on the advanced search option (magnifying glass icon) on the search
bar.

To view the transaction history for a different account, click the down arrow icon on the account card to expand
the list of accounts, scroll to and select the required account.

All uncleared transactions on an account will be displayed above the transaction history.

To print or download the displayed transactions, click the ‘Download’ icon at the bottom of the page. Transactions
can be downloaded in xls, csv and qif file formats.

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9. Interest and Tax
To view details of interest earned, interest paid or tax withheld on each of your accounts for this and last financial
years, select ‘Accounts’ from the main menu and then ‘Interest and Tax Details’ from the sub-menu.

Note: Interest and tax details are shown only for active accounts linked to your Internet Banking service. Please
contact us on 1300 728 728 for details of other, including closed, accounts.

To print this page, select the ‘Printer’ icon.

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10. Manage PayID
PayID is a way to send and receive instant payments to an account via a linked mobile number or email address.

To create, manage or deregister a PayID, select ‘Accounts’ from the main menu and then ‘Manage PayID’ from the
sub-menu. This page requires a Two (2) Factor Authentication code to access so you must set this up first (see
Section 34 - Two (2) Factor Authentication).

To create a PayID:
• Enter either your mobile number or email address in the ‘PAYID’ field and click ‘Next’.
• Select the account that you would like to link your PayID to - use the down arrow on the account card to
display all eligible accounts.
• In the ‘PAYID NAME’ field, select which name you’d like the PayID registered to - use the down arrow to
display all available options.
• Read and accept the Terms and Conditions and click ‘Next’.
• You will then be asked to validate ownership of the mobile number or email address - enter the code
sent to the number or address and click ‘Confirm’.

To edit a PayID:
• Click the PayID record to change the linked account or the registered name.
• Click the ‘More options’ link to lock, transfer or close the PayID.

You can provide your PayID (mobile number or email address) to anyone at a participating Financial Institution
so they can make an instant payment to you. Likewise, if someone gives you their PayID (mobile number or email
address), you can use it to make a payment to them using the ‘Pay Someone’ feature (see Section 11 - Pay
Someone).

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11. Transfer
Transfer between your own accounts

To transfer funds between your own accounts, select ‘Transfer/Pay’ from the main menu and then ‘Transfer’ from
the sub-menu. When using this option, you will see all the accounts that you are authorised to transfer from. Use
the down arrow on the account cards to expand the lists of accounts, and select those you want to transfer from
and to. The ‘REFERENCE’ is an optional personal description of your transfer and will appear on your statement.

Click the ‘Pay Now’ button for an immediate transfer. To schedule the transfer for a future date or to set up a regular
transfer, click the ‘SCHEDULE PAYMENT’ link, select the date and frequency or number of payments you wish to make
and then click ‘Set Schedule’.

Review the details of your transaction and click the ‘Confirm’ button, or click the ‘Edit Payment’ link to modify the
details.

If you have set up the option to receive email notifications, a confirmation email will be sent to your nominated
email address (see Section 33 - Notifications).

To change your default debit account, refer to Section 35 – Preferred Account.

If the account requires more than one (1) party to approve transactions, you need to perform transfers through
the Business Banking option (see Section 16 - Business Banking).

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12. Pay Someone
Transfer funds to another person

To transfer funds to another person, select ‘Transfer/Pay’ from the main menu and then select ‘Pay Someone’ from
the sub-menu. Payments can be made to a PayID or to a BSB and account number; and can be made to a new
payee or a favourite payee from a displayed list (see Section 15 - Favourites).

To make an immediate payment to a new payee, select the ‘NOW’ tab and then click ‘Someone New’, choose the
‘TO PAYID’ tab and enter the PayID (mobile number or email address) OR choose the ‘TO BANK ACCOUNT’ tab and
enter the BSB and account details; then click ‘Next’. Enter the remaining payment details including the amount;

then click ‘Next’.

 Payments to new or not previously validated payees will require confirmation via a Two (2) Factor
Authentication code.

To make a payment to a new payee but schedule the transfer for a future date or to set up a regular transfer (not
available to PayID payments), select the ‘LATER’ tab and then click ‘Someone New’; enter the BSB and account
details; then click ‘Next’. Enter the remaining payment details including the date and frequency or number of
payments you wish to make; then click ‘Set Schedule’.

Review the details of your transaction and click the ‘Confirm’ button or click the ‘Back’ link to modify the details.

If you have set up the option to receive email notifications, a confirmation email will be sent to your nominated
email address (see Section 33 - Notifications).

To save the payee details, tick the ‘Update Favourites’ tick box. You can then use this Favourite to quickly and
easily make future payments to this payee (see Section 15 - Favourites).

To send the payee an email notification of the payment, enter their email address in the ‘EMAIL NOTIFICATION ’ field.

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13. Paying Bills using BPAY
The BPAY feature allows you to pay a bill with any registered biller. Payments can be scheduled for a later date,
and you can also set up regular ongoing payments. Please be aware that a BPAY payment cannot be reversed
once made.

To perform a BPAY payment, select ‘Transfer/Pay’ tab from the main menu and then select ‘BPAY’ from the sub-
menu. Select the account to debit, enter the Biller Code, and Customer Reference Number (CRN). The Biller
Code and CRN can be found on your bill. Once you have entered all the details, click the ‘Pay Now’ button.

To schedule the payment for a future date or to set up a regular payment, click the ‘SCHEDULE PAYMENT’ link and
select the date and frequency or number of payments you wish to make, and then click ‘Set Schedule’.

Note: Some Biller Codes and Customer Reference Numbers may change from one bill to another. Therefore, ongoing
payments created with current details may reject in the future.

Review the details of your payment and click the ‘Confirm’ button or click the ‘Edit Payment’ link to modify the
details.

If you have set up the option to receive email notifications, a confirmation email will be sent to your nominated
email address (see Section 33 - Notifications).

To save the biller details, tick the ‘Update Billers’ tick box. You can then use this Favourite to quickly and easily
make future payments to this biller (see Section 15 - Favourites).

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14. International Transfers
To transfer money internationally, select ‘Transfer/Pay’ from the main menu and then select ‘International
Transfers’ from the sub-menu. Generate and enter your Two (2) Factor Authentication code when prompted (see
Section 34 - Two (2) Factor Authentication).

Payments can be made to a new payee or a favourite payee from a displayed list (see Section 15 - Favourites).

To make a payment to a new payee, click ‘Create Transfer’. Select the country you wish to send money to and
click ‘Next’. The currency will default to that country’s preferred currency - use the down arrow icon to view other
available currencies. Select your desired currency. Enter the amount you wish to send (either in the foreign
currency or AUD equivalent) and click ‘Get Quote’.

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A quote containing the Australian Dollar amount, the exchange rate and the foreign currency amount will be
displayed. Click ‘Next’ to accept the quote.

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To complete the International Transfer, select the account to debit and provide the remaining details including the
purpose of the payment, the beneficiary’s account name and address, and destination bank details; then click
‘Next’.

Review the details of your payment and click the ‘Update Quote’ button or click the ‘Edit Payment’ link to modify
the details.

Once you’ve clicked on ‘Update Quote’, you will have 45 seconds to review the updated quote; confirm your
acceptance and make the payment by clicking on ‘Confirm’.

We recommend you set up email notifications for International Transfers (see Section 33- Notifications).

If required, you can print a copy of the transfer by selecting the printer icon.

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 15. Scheduled Transfers
Scheduled Transfers are future-dated payments which may be one-off or ongoing Transfers, Pay Someone
transfers or BPAY payments.

To view and manage Scheduled Transfers, select ‘Transfer/Pay’ from the main menu and then select ‘Scheduled
Transfers’ from the sub-menu. You can view, edit, or delete a Scheduled Transfer by clicking on the 3-dot icon (…)
to display the details.

Note: You must be registered for Two (2) Factor Authentication to edit or delete some Scheduled Transfers (see Section 34 -
Two (2) Factor Authentication).

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16. Favourites
When creating a Pay Someone, BPAY or International Transfer payment, you can save the payee details by
ticking the ‘Update Favourites’ tick box. You can then use the Favourite to quickly and easily pre-populate the Pay
Someone, BPAY or International Transfer page when next making a payment to that payee.

You can give your Favourite a nickname for quick identification.

You can search and sort your Favourites by using the onscreen tools. Click the 3-dot icon (…) to edit the
nickname or to delete the Favourite.

Validated and Non-Validated Payees

New or Non-Validated Payees will require one time authentication via a Two (2) Factor Authentication code.

A payee’s status of validated or non-validated is distinguishable by the icon colour.

Payees who are validated will display with a darker-shaded icon on the Payee details.

Payees who are not validated (i.e., not validated with a two factor authentication code) will display
with a lighter-shaded icon on the payee details.

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17. Business Banking
Batches are used to process transactions on accounts that require more than one signatory to approve - typically
business and organisation accounts.

Batches can be created manually or by uploading a CEMTEX file that has been generated externally by
accounting software. CEMTEX files are also referred to as ABA files.

Batches usually contain several transactions and can include Transfers, Pay Someone transfers and BPAY
payments. Batches can be processed as one-offs, or re-processed on a future date. Re-processing is commonly
used so that payment details, except for the amount, do not have to be re-entered - for example, payrolls or other
regular payments.

To access Business Banking for batch processing, select ‘Transfer/Pay’ from the main menu and then ‘Business
Banking’ from the sub-menu.

All batches will be displayed on the Business Banking page. You can view new, failed, pending, scheduled or
processed batches by clicking the relevant tab.

To view the processing options for a batch - delete, view, edit, review history, process or re-process - click the 3-
dot icon (…) on the batch header.

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Creating Manual Batches
To create a manual batch, click the ‘Create Batch’ button and then select the ‘MANUAL BATCH’ tab. Select the
account the batch payments will be debited to - use the down arrow to view all available accounts (see Section 35
- Preferences to set a default account). Enter a name in the ‘BATCH NAME’ field (optional), and then click the ‘Create
Batch’ button.

Click the ‘ADD PAYMENT’ link, and then select the transfer type. Enter the transaction details, and then click the
‘Create Payment’ button. Check the transaction details before clicking the ‘Confirm’ button to add the payment
to the batch or click the ‘Edit Payment’ link to change details. Click the ‘Back to Batch’ button to return to the
Batch Processing page. Repeat these steps to add further payments.

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Creating CEMTEX Batches
To create a CEMTEX batch, click the ‘Create Batch’ button and then select the ‘UPLOAD BATCH’ tab. Select the
account the batch payments will be debited to - use the down arrow to view all available accounts (see Section 35
- Preferences to set a default account). Enter a name in the ‘BATCH NAME’ field (optional), and then select the file to
upload by clicking on the ‘Upload’ icon in the ‘SELECT FILE’ field, and then click the ‘Create Batch’ button.

Payroll - Dec
Payroll_eft101.aba

Summerland’s FI code is SCU and BUDS ID Number (APCA ID) is 999728.

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Processing a Batch on One-to-Sign Accounts
Batches that have not been processed will show a status of ‘NEW’ on the batch header. To process a batch, click
the 3-dot icon (…) on the header, and then the ‘PROCESS’ option. Enter the batch payment date, and then click the
‘Process’ button. Batches can be processing immediately or scheduled for a future date. Click the ‘Yes’ button to
confirm processing of the batch.

If you have elected to process a batch immediately, the status will progress through ‘SCHEDULED’ and then
‘PROCESSED’; otherwise the status will show as ‘Scheduled’.

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 Processing a Batch on Other Accounts
Where accounts require more than one (1) signatory to authorise a transaction, the batch must be ‘approved’ by
one signatory and ‘processed’ by another.

The first signatory creates the batch in the same manner as described above however, instead of selecting the
‘PROCESS’ option, they select ‘APPROVE’. This saves the batch with a status of ‘AWAITING APPROVAL’, and a
notification is sent via Internet Banking to other signatories on the account who must authorise and ‘Process’ the
batch.

When the second signatory logs in to Internet Banking, they will see a notification in the Information Panel on the
Balances page indicating that a batch has been loaded and is awaiting their approval.

To view the batch details and authorise the batch for processing, click the ‘VIEW BATCHES’ link to go to the Business
Banking page. Click the 3-dot icon (…) on the batch header with the status of ‘NEEDS YOUR APPROVAL’, and then
the ‘PROCESS’ option. Enter the batch payment date, and then click the ‘Process’ button. Batches can be
processing immediately or scheduled for a future date. Click the ‘Yes’ button to confirm processing of the batch.

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18. Direct Credits
To view direct credits paid to your customer number, including the date and amount of the last payment received,
select ‘Services’ from the main menu and then ‘Direct Credits’ from the sub-menu.

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19. Loan Status
To track the progress of your loan applications, view and accept new loan documents, or view existing loan
documents, select ‘Services’ from the main menu and then ‘Loan Status’ from the sub-menu.

To view loan contracts you have previously accepted online, click the ‘View Existing Documents’ link in the
‘Action’ column. This will display your loan documents for review.

To view and accept new loan contracts, click the ‘View New Documents’ link in the ‘Action’ column. A new page
will display where you can review the documents, and confirm your acceptance of the loan contracts.

 If the loan contracts are in joint names, each applicant must accept the loan contracts individually.

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20. Card Management
To activate a new card, set a new PIN, or report a card as lost or stolen, select ‘Services’ from the main menu
and then ‘Card Management’ in the sub-menu. Your available cards are displayed on the page.

If you have received a new card, select the ‘Activate >’ link, enter the expiry date, and then click the ‘Activate’
button. Confirm the change by clicking the ‘Yes’ button.

If you want to set a new PIN, select the ‘Change PIN >’ link, enter and confirm your new PIN using the onscreen
keyboard, and then click the ‘Change PIN’ button. Confirm the change by clicking the ‘Yes’ button.

If you have lost your card or suspect it has been stolen, it is important that you advise Summerland as soon as
possible - select the ‘Lost or stolen >’ link, choose the relevant option, and then click on the ‘Save’ button. Confirm
the change by clicking the ‘Yes’ button. Please contact us to order a replacement card if required.

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21. eStatements
Manage eStatements
eStatements are a convenient way to view your statements online rather than receiving them by mail. eStatements
will generally be available on the first working day of the month. We will send you an email notification when your
statement is ready to view.

To register for eStatements select ‘Settings’ from the main menu and then ‘Manage eStatements’ from the sub-
menu. Select the email address for notifications, confirm your intent to register, and then click the ‘Save’ button.

To change the address for email notifications, choose the ‘Update my Details’ option, use the down arrow to
display the available email addresses, choose your preferred email address, and then click the ‘Save’ button.

To deregister from eStatements, use the down arrow to display and select ‘Deregister’ and then click the ‘Save’
button.

Viewing eStatements
To view your eStatements, select ‘Services’ from the main menu and then ‘View eStatements’ from the sub-menu.

Use the onscreen tools to search for a particular statement or choose from the displayed list. Click on the ‘V IEW’
link to view a statement. Click on the ‘INSERT’ link to view any important notices accompanying your eStatement.

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22. Alerts
Alerts allow you to keep track of your account balances and other account activity via a message to your mobile
phone or email.

To register for Alerts, select ‘Services’ from the main menu and then ‘Alerts’ from the sub-menu. Click on the
Settings icon to record your mobile phone number, choose the message type (SMS, email or both) and the times
you want to receive your alerts.

You can nominate to receive general alerts, account alerts or card alerts:
• Global alerts occur when a direct credit or direct debit is processed on your account.
• Account alerts occur when your account balance falls outside your chosen minimum or maximum
balance, or at a time scheduled by you (e.g., every Monday at 9:00am).
• Card alerts occur when a transaction is performed on a selected card.

You can view and change your alert settings at any time.

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Security and Privacy
The content of alert messages may include information about your account balance or transactions that you may
wish to keep private. Once we have sent the message to your nominated phone number or email, we have no
control over who may access this information.

To keep your information private, you should protect and control who can access your device and delete our
messages after you have reviewed them.

You should also tell us immediately if your nominated phone number is disconnected, suspended, or changed, as
your telecommunications provider can assign your old number to a new customer!

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23. Secure Messaging
The Secure Messaging facility enables you to send messages to and receive messages from Summerland in a
secure environment.

To access Secure Messaging, select ‘Services’ from the main menu and then ‘Secure Messaging’ from the sub-
menu. Alternatively, you can access Secure Messaging from the Information Panel on the Balances page - click
the ‘VIEW MAIL’ link.

Secure Messaging works like other email services - incoming messages are displayed in your INBOX, outgoing
messages in your SENT items, and DRAFTS can be saved.

To access your messages, select the relevant tab to display all available messages. Click on the ‘SUBJECT’ link to
view individual messages. Messages can be deleted using the onscreen tools.

To send a new message, click on the ‘Compose’ button, use the down arrow to select a message category, add a
subject, and begin writing your message. A maximum of 100,000 characters are available - an indicator will show
the number of characters remaining. The message will automatically save as a draft after 30 seconds, or you can
click the ‘Save Draft’ link.

You can also add a maximum of five (5) attachments to your message. Each attachment should be no more than
10MB with no more than 25MB in total. Permitted file types are:

• pdf
• jpg
• gif
• png
• jpeg
• bmp

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24. Sharing
Open Banking, part of the broader Consumer Data Right (CDR), aims to provide Australians greater choice and
control over how their data is used and disclosed. It will allow consumers to access defined information in a usable
form and to direct a business to securely transfer that information to an accredited data recipient. The Australian
Competition and Consumer Commission (ACCC) provide details of accredited data recipients on their Consumer
Data Right website. Open Banking supports the sharing of single and joint accounts.

To view the sharing arrangements you have set up with other financial institutions, select ‘Services’ on the main
menu and then ‘Sharing’ from the sub-menu. Generate and enter your Two (2) Factor Authentication code when
prompted (see Section 34 - Two (2) Factor Authentication).

25. One Time Password

The One Time Password is used to authorise a data sharing arrangement as part of Open Banking. This feature
can only be used after you have initiated a data sharing request with another financial institution.

To obtain a one-time password, select ‘Services’ from the main menu and then ‘One Time Password’ from the sub-
menu. Generate and enter your Two (2) Factor Authentication code when prompted (see Section 34 - Two (2)
Factor Authentication).

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26. Open an Account
To open a new saving, transaction or fixed term deposit account, select ‘Apply’ from the main menu and then ‘Open
Account’ from the sub-menu. Click the three-dot icon (…) to display product details including the interest rate(s).

Click the ‘Select’ button on the product you want to open.

Enter an account nickname if required, nominate the account to transfer deposit funds from, and enter the opening
deposit amount. Click the ‘Open Account’ button.

Review the account information, and read and accept the Conditions of Use. You can also opt to receive an
email receipt once the account is open. Click the ‘Confirm’ button to open the account.

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27. Loan Application
The loan application feature, referred to as Internet Lending, allows you to submit a loan application online.

To apply for a loan, select ‘Apply’ from the main menu and then ‘Apply for a Loan’ from the sub-menu. Click the
‘Interest Rates’ link to view our loan interest rates schedule. Click the ‘Apply Now’ link to begin a loan application
- the Internet Lending application opens in a new web browser tab.

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28. Address Details
You can view and update your address details by selecting ‘Settings’ from the main menu and then ‘Address
Details’ from the sub-menu.

To update your address, click the 3-dot icon (…) to expose the address fields. Enter the ‘CARE OF DETAILS’ and
‘PROPERTY/BUILDING NAME’ if required. Start typing your address in the ‘ADDRESS’ field, after six (6) characters have
been entered a list of validated addresses is displayed. Select your address from the displayed list. If your address is
not in the list, select the “Manually enter details instead” entry and complete the details in the fields displayed. Click
the ‘Save’ button.

Note: Please ensure you update both your residential and mailing addresses if applicable.

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29. Contact Details
You can view and update your contact details by selecting ‘Settings’ from the main menu and then ‘Contact
Details’ from the sub-menu. Generate and enter your Two (2) Factor Authentication code when prompted (see
Section 34 - Two (2) Factor Authentication). Enter your contact details including home, business and mobile phone
numbers, and personal and work email addresses. Click the ‘Save’ button.

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30. Personal Details
You can view and update your personal details by selecting ‘Settings’ from the main menu and then ‘Personal
Details’ from the sub-menu. Update your personal details including residence type, marital status, education, and
number of dependants - use the down arrow to display available options. Click the ‘Save’ button.

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31. Employment Details
You can view and update your employment details by selecting ‘Settings’ from the main menu and then
‘Employment Details’ from the sub-menu. Update your employment details including your current employer’s
name and their contact details, and your employment status and occupation - use the down arrow to display
available options. Click the ‘Save’ button.

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32. Changing Your Passcode
To change your passcode, select ‘Settings’ from the main menu and then ‘Change Passcode’ from the sub-menu.
Generate and enter your Two (2) Factor Authentication code when prompted (see Section 34 - Two (2) Factor
Authentication).

Enter your current passcode in the first field and your new passcode in the second and third fields. Click the
‘Change Passcode’ button to confirm the change.

Passcodes should be between 6 and 20 characters long, contain at least one (1) upper- and lower-case letter and
one (1) number. Passcodes should not contain part of your name, your date of birth, or your customer number
and must be different to your previous 5 passcodes.

 Be aware that Summerland will never ask for your passcode, and that a common fraud method
to try and obtain your details is phishing e-mails. Never reply to such e-mails.

A Passcode Strength Meter will show you how strong your new passcode is on a scale from “Very Weak” to “Very
Strong”. Very weak passwords are not allowed.

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33. Account Reorder
You can change the display order of your accounts by clicking the ‘RE-ORDER ACCOUNTS ’ link on the Balances
page, or by selecting ‘Settings’ from the main menu and then ‘Account Reorder’ from the sub-menu.

Change the order of accounts by clicking on and holding the handle on an account card, and then drag the account
up or down into the required position. Click the ‘Save Order’ button to confirm the change.

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34. Notifications
We recommend you set up Notifications to receive email alerts when transactions and activities occur on your
accounts.

To set up, view and manage notifications, select ‘Settings’ from the main menu and then ‘Notifications’ from the
sub-menu. Enter your email address, and select the type of notifications you wish to receive. Click the ‘Save’ button
to confirm the change.

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35. Two (2) Factor Authentication
Two (2) Factor Authentication (2FA) helps protect you from unauthorised transactions on your account. You have
the choice of two forms of 2FA: Secure SMS or Symantec VIP.

We recommend you set up 2FA when you first log into Internet Banking as 2FA is required when preforming
certain functions.

Secure SMS
Secure SMS uses your mobile phone to provide an extra level of security when performing certain functions within
Internet Banking. Each time you perform one of these functions, you will be prompted to “Request SMS Code”.
This action sends a randomly generated 6-digit code to the mobile phone number you have recorded with us. You
then enter the code and validate it before continuing with your transaction.

To register for Secure SMS, select ‘Settings’ from the main menu and then ‘Secure SMS Registration’ from the
sub-menu. Use the down arrow to display available numbers and select your preferred number. Click the ‘Register’
button to continue.

Note: Contact us if you need to update your contact number(s) for 2FA.

To change the phone number the code is sent to or to deregister Secure SMS, select ‘Settings’ from the main
menu and then ‘Secure SMS Management’ from the sub-menu.

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VIP Security (Token or Mobile App)
Symantec VIP Security is a 2FA alternative to Secure SMS. VIP Security can be accessed via a physical
Symantec VIP token or via Symantec VIP Access - a free mobile phone app that transforms your mobile device
into a one-time-passcode (OTP) generator. No internet connection is required once downloaded.

Before you can use VIP Security, you will need to register your token or app in Internet Banking. You will first
need to set up 2FA via secure SMS (see Secure SMS above).

To register your token or app, select ‘Settings’ from the main menu and then ‘Register VIP Security” from the sub-
menu. Enter the Credential ID (12 alpha/numeric characters) which is found on the back of the token, or displayed
prominently inside the application.

You will then need to request and enter two unique security codes, read and acknowledge the Terms and
Conditions, and then click the ‘Register' button.

You'll then see a confirmation message stating registration is complete.

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36. Preferences
Preferences allow you to set the default account for transfers, and to create or update a nickname for your
account(s). To access preferences, select ‘Settings’ from the main menu and then ‘Preferences’ from the sub-
menu.

Preferred Account is the default account which will appear first as the ‘From Account’ for all transfers in Internet
Banking. Use the down arrow on the account card to display all available accounts, and select your new preferred
account.

Account Nickname allows you to create or update a nickname for your account(s). Use the down arrow on the
account card to display all available accounts, select the account you would like to add a nickname to.

Click the ‘Save’ button to confirm the changes.

Only eligible accounts are displayed and, if a preferred debit account is not nominated, the default account will be
the first eligible account in your account list. If the nominated account requires more than one signatory, it will only be
applicable as the preferred account in Business Banking. The default account for transactions outside Business
Banking will be the first eligible account in your account list.

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Frequently Asked Questions
Q: I have received a VIP Token from Summerland Bank. Can I use it immediately?

You can use your token as soon as you register it through Internet Banking.

Q: How do I register my security token or VIP Access app?

To register your token, select ‘Settings’ from the main menu and then ‘Register VIP Security’ from the sub-menu.
Enter the Credential ID (12 alpha/numeric characters), which can be found on the back of the token, or displayed
prominently in the VIP Access app.

Q: Can I use a token I received from another bank?

Yes, if it is a Symantec VIP token, you can register the same token to use with Summerland Internet Banking.

Q: When will I need my security token?

To transfer funds outside your membership via BPAY or via Pay Someone, using Business Banking, making
International Transfers, modifying or deleting some Scheduled Transfers, or when making changes to other
secure areas of Internet Banking such as ‘Change Password', ‘Update Contact Details', ‘Card Management’ and
authorising a data ‘Sharing’ arrangement.

Q: What if the security code is not accepted?

Token - If you take longer than the permitted period (30 seconds) to enter the security code, you will receive an
error message in Internet Banking. If this occurs, wait until the token screen clears and then press the button on
your token to generate a new security code.

App - The app automatically generates a new code each 30 seconds.

If your security code is still not accepted, please contact us on 1300 728 728.

Q: Do I need to install another device or software to use my token?

No.

Q: Can I have 2 tokens?

No. Internet Banking only allows you to register one token.

Q: Can someone else use my token?

No, your token should not be shared.

Q: What action do I take if my token is damaged, lost or stolen?

If your token is damaged, lost or stolen, please contact us immediately on 1300 728 728 to de-register your token.
We can then provide you with a replacement if necessary.

Q: Can I change the battery in the token?

No. The battery should last up to five years, but battery life depends on how frequently you use your token. The
battery cannot be replaced. Do not attempt to open the token at any time as this may damage it. Simply order a
new token by contacting us on 1300 728 728.

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Q: Can signatories on accounts have different levels of access within Business Banking?

Yes. There are different levels of authority within Business Banking:

Full Access – allows a signatory to view, create, update, delete, approve, and submit a batch.

Create, Update and Approve – allows a signatory to view, create, update, delete and approve a batch, but
not submit a batch.

Create and Update – allows a signatory to view, create, update a batch but not delete, approve, or submit a
batch.

Batch View Only – allows a signatory to view existing batches.

An example of how these authorities might work is ‘Full Access’ for a company director, and ‘Create and Update’
for a bookkeeper or accountant.

Q: If an account is set as two-to-sign and both signatories have Full Access, can one signatory create,
approve, and submit the batch.

No. One signatory would need to create the batch, and the other would need to approve and submit the batch.

Q: Can I use multiple accounts to process a Batch Payment?

No. You can only debit one account within the same batch.

Q: Is there a limit on the number of transactions that can be included in a manual or CEMTEX (uploaded)
batch?

Yes. CEMTEX files are limited to 1,000 transactions, with manually loaded batch transactions limited to 500.

Q: Can I edit the transactions in a CEMTEX batch?

No. If you want to change transactions included in a CEMTEX batch, you will need to do so in the external
accounting software and then reload the CEMTEX File.

Q: If transactions fail in a CEMTEX batch, do I have to create a new batch with the rejected transactions?

No. Uploaded CEMTEX Batches can be re-run and only the failed transactions will be posted. Select the 3-dot
icon (…) on the batch to display the processing options, and click on ‘RE-DO FAILED’.

Q: If transactions fail in a Manual Batch, do I have to create a new batch with the rejected transactions?

No. A manual batch containing failed transactions can be re-run. Select the 3-dot icon (…) on the batch to display
the processing options, and click on ‘RE-DO FAILED ’. Before doing this, we recommend selecting ‘VIEW/EDIT’ to see
details of the failed transaction, including the reason for failure.

Q: Can I re-submit a processed batch?

Yes, manually created batches can be re-processed. Select the 3-dot icon (…) on the batch to display the
processing options. Click on ‘VIEW/EDIT’ if you need to change the individual transaction details, click the 3-dot icon
(…) beside the relevant transaction, update the amount and click the ‘Save’ button. To process the batch, simply
click the ‘PROCESS’ option. An onscreen ‘duplicate batch’ warning will display if the batch was last processed
within five (5) days - continue to process the batch if this is your intention.

Q: Can a batch contain different types of transactions?

Yes. A batch can contain a combination of Transfers, Pay Anyone transfers, and BPAY payments.

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Q: Can a batch be created for an amount greater than the approver’s daily limit?

Yes. A batch can be created for an amount greater than the approver’s daily limit. Transactions within the batch
will be processed until the daily limit is reached. The batch status will show as ‘P ROCESSED’ with the number of
failed transactions in brackets e.g., STATUS: PROCESS ON 01/01/2000 (2 FAILED).

Q: If I reset my passcode, what mobile number will my temporary passcode be sent to?

The SMS containing your temporary passcode will be sent to the mobile number you have recorded with us.

Q: Why does the New Device Login email alert have the incorrect time on it?

The time shown in the New Device Login email alerts is Australian Central Standard Time (ACST) or Australian
Central Daylight Time (ACDT) as appropriate.

Q: What if I need to transfer more than my daily limit?

If you need to transfer an amount greater than your daily limit, or make multiple transfers greater in total than the
limit, please call us on 1300 728 728 to arrange an increase to your limit

Q: Can my daily limit be increased temporarily?

Yes. We can set a higher temporary limit so you can make your transfer(s), your limit will revert to your standard
limit overnight.

Q: How do I download 13 months of my transactions?

‘HISTORY’ holds up to 13 months of your transaction data. If you would like to view transactions older than 90 days
(the longest period available in the quick search option), click the advanced search option (magnifying glass icon)
on the search bar. You will then have options for more refined criteria. Use the down arrow in the ‘S HOW’ field to
locate “Selected Date Range”, and then use the calendar icons to define the date range. The transaction listing
can be easily downloaded and printed - click the download icon at the bottom for available options.

Note: A maximum of 500 transactions will be returned in any one search - consider multiple searches over shorter
time periods to ensure all transactions are captured. Review your statements for older transactions (see Section
20 - eStatements).

Q: If I am creating a Batch on a two-to-sign account, is the approval limit my personal daily limit?

No. The approval limit for the batch corresponds to the second approver’s daily limit. If you create a batch and
then approve it as the first approver, your limit is not considered.

Q: My Accounting Software is asking for Summerland’s FI Code and BUDS ID Number?

Summerland’s FI code is SCU and BUDS ID Number is 999728.

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Summerland Bank is a division ABN 23 087 650 806
of Summerland Financial ASFL 239 238
Services Limited Australian Credit Licence 239
238