Security

We have many security measures in place to help protect your personal information and accounts.

By keeping your personal information secure and being aware of security, you can play an important role in protecting your personal financial information and preventing fraud.

Be Aware – What to look for:

Internet Scams

Scams take many different forms. Often scams are run via emails and may make promises of financial gains like lottery winnings and immediate credit approval.

Scams are generally utilised to part their victims from their money so always ensure that you follow our tips for Internet Banking. Remember that you should never trust email solicitation and you can always contact the company directly by phone to verify if the email is genuine.

Phishing Emails

One of the most common means of fraud on the Internet is ‘Phishing’ (pronounced ‘fishing’). This is when you receive seemingly legitimate emails from your financial institution requesting that you reconfirm account details and/or your password for the purpose of system upgrades, account reactivation, security, verification of transfers etc. It may request that you email these details or click on a provided link to take you to the website. These emails may include the use of the financial institution’s logo and name.

You should NEVER access your financial institution via a link in an email. In some cases the scammers create a ‘ghost’ site that appears to be genuine but actually stores the account details and passwords that you enter.

We will never request that you email these details to us. You should treat these emails and the website links as fake and contact us immediately. The email should then be permanently deleted as it may also contain viruses.

Skimming

This method of fraud essentially steals your card details by swiping your card through a second machine. To prevent skimming occurring on your account you should ensure that your card does not leave your sight when processing a transaction.

Internet Banking

1.   Never divulge your passwords, PINs or account details to an unsolicited request, especially via email.
2.   When you log into our website always type in the address www.ampcu.com.au or have it saved in your favourites to reduce possibility of mistakes or deception by scams.
3.   Always LOGOUT of Internet Banking after finishing your transaction and take care that others cannot see you entering your password.
4.   Do not use public access internet terminals for Internet Banking where you cannot verify virus protection is current and firewalls are installed.
5.   Never log in to Internet Banking via a link in an email.
6.   Check for the closed padlock symbol at the bottom of your web browser which denotes a secure site.
7.   Be aware of fraudulent emails. If you receive an email from a sender or source unknown – delete it immediately including deleting it permanently from your deleted items.
8.   Regularly change your password and do not use commonly known things like dates of birth, partners/spouses names, street names, nicknames, pet names, phone numbers etc.
9.   Install security measures on your computer such as anti-virus software and firewalls.
10.   If you suspect your personal banking details may have been compromised you should discontinue using Internet Banking until you have contacted us to reset your password and verified all recent transactions with you.
11.   Review your transactions online regularly, and report any unauthorised transactions immediately.

Redicard/Visa Debit card – ATM & EFTPOS

1.   Sign your card as soon as you have received it and never allow anyone else to use it, even if it is on your behalf.
2.   Memorise your PIN immediately. Do not write it down or keep it with your card. Do not store it in your phone or computer.
3.   Do not disclose your PIN to anyone. This includes family and friends.
4.   Take care at ATMs and when processing EFTPOS transactions to make sure that you are not being observed by anyone while entering your PIN.
5.   When withdrawing cash be discreet.
6.   When your transaction is complete ensure that you retrieve your card, cash and receipt.
7.   Keep all EFTPOS and ATM receipts in a safe place or destroy them.
8.   Always ensure that your card is within your sight during any transaction eg. at hotels, restaurants etc.
9.   If your card is lost or stolen notify the Card Hotline on 1800 224 004 immediately.
10.   Review your statements regularly and report any unauthorised transactions immediately.

Cheque books

1.   Keep your cheque book in a secure place.
2.   Do not ever pre-sign a blank cheque.
3.   Do not give your cheque book to others.
4.   Write your cheques in pen not pencil so that the details cannot be erased.
5.   Cross your cheques with ‘not negotiable’.
6.   If you replacement cheque book is not received within a reasonable time please contact us immediately.
7.   If your cheque book is lost or stolen notify us immediately.
8.   Review you statements regularly and report any unauthorised transactions immediately.