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How we protect you
We use industry-leading technologies and procedures to continuously monitor the security of your financial transactions. These include:
Login authentication
Encryption
Daily transaction limits
Session time-out
Access code lock-out
Transaction monitoring
Security token and SMS security
Emails
To log into internet banking you need to supply the following information to verify your identity:
You can help to protect yourself against attacks as a result of viruses, trojans and key-logging programs by regularly changing your access code and ensuring your computer has updated security software installed.
Encryption
Encryption is the process of scrambling the data contained in a computer communication and can only be unlocked or decrypted with the correct key.
All information transmitted from your computer to our system is protected by 128-bit Secure Sockets Layer (SSL) protocol encryption. It is one of the best forms of encryption used by leading financial institutions around the world.
To successfully log into internet banking, you will need to ensure that you are using a web browser that supports 128-bit encryption. In most web browsers, you can check the encryption level supported by going to the Help menu and then selecting About… (the name of your browser).
To ensure that you have successfully connected to a secure session using SSL encryption, your browser should display a closed padlock icon. You can click on the padlock icon to obtain more information about the digital security certificate and to verify the certificate was used for the site you are connecting to.
This may be displayed in the status bar at the bottom or in a bar at the top of your browser.
A daily limit on electronic funds transfers to other Australian financial institutions (including BPAY payments) is automatically applied to each account.
You can lower this limit to a level that meets your daily transactional needs. This minimises the potential loss that could occur if your access code is compromised.
To vary your daily transaction limit(s) please complete the internet banking servics form available within internet banking or on website.
It is compulsory for members who have external funds transfer limits over $5,000 to have a security token or be registered for SMS security.
Session time-out
We have an inactivity time-out period after which your internet banking session will be terminated.
This protects your account against any unauthorised activity in the event that your session is abnormally terminated or left unattended.
Access code lock-out
Our system records unsuccessful login attempts. If the number of unsuccessful login attempts exceeds our limit, access to your internet banking service will be disabled immediately. This helps to protect you against anyone who may be trying to guess your access code.
If you believe that your access has been disabled for this reason, please contact us to have your access reinstated.
Emails
Emails will be from an @tmbank.com.au email address. We will not contact you via email to ask you to provide or confirm personal information (e.g. credit card number, account number, internet banking access code and/or PIN). For security purposes, we recommend that you do not use hyperlinks, active or otherwise, from emails to undertake financial transactions. We recommend that you log into internet banking via our website address as disclosed on your account statements.
> Security token and SMS security
> Transaction monitoring