Internet & Mobile Banking

Safe and flexible; access your money and financial information, whether you're shopping, on holiday, at home or on the go.


Internet Banking do your banking safely and easily with 24/7 Internet Banking

Our Internet Banking is a safe and easy-to-use way of banking wherever you have internet access. 


Accounts & Payments

  • open accounts online - you can open new accounts at a time to suit you
  • account balances - check up on your accounts
  • transaction list - view all of your transactions during a specified date range
  • funds transfers - transfer money between your own accounts, or to any other account within Australia
  • interest earned - keep an eye on how much interest your accounts are earning
  • auto transfers - set up future-dated funds transfers, either one offs or recurring
  • payroll details - view direct credit suppliers for your accounts
  • batch processing - ideal for businesses, send out a batch of payments in one go, either one-off or recurring
  • cheque - request a Financial Institution cheque from any of your accounts
  • BPay payment - pay your bills quickly and easily
  • BPay view - receive your bills electronically
  • eStatements - save on paper, receive and view your monthly statements online
  • SMS alerts - keep track of your account balances with txts straight to your mobile


  • loan redraw - redraw any extra funds you’ve accumulated on your eligible mortgage
  • loan application - apply for a loan anywhere, anytime
  • loan status - check up on your loan application’s current status



1. Use antivirus software and keep it up to date.

Make sure you have antivirus software on your computer! Antivirus software is designed to protect you and your computer against known viruses so you don't have to worry. But with new viruses emerging daily, antivirus programs need regular updates, like annual flu shots, to recognize these new viruses. Be sure to update your antivirus software regularly! The more often you keep it updated, say once a week, the better. Check with the Web site of your antivirus software company to see some sample descriptions of viruses and to get regular updates for your software. Stop viruses in their tracks!

2. Don't open emails or attachments from unknown sources.

Be suspicious of any unexpected email attachments even if they appear to be from someone you know. A simple rule of thumb is that if you don't know the person who is sending you an email, be very careful about opening the email and any file attached to it. Should you receive a suspicious email, the best thing to do is to delete the entire message, including any attachment. If you are determined to open a file from an unknown source, save it first and run your virus checker on that file, but also understand that there is still a risk. If the mail appears to be from someone you know, still treat it with caution if it has a suspicious subject line (e.g. "Iloveyou" or "Anna Kournikova") or if it otherwise seems suspicious (e.g., it was sent in the middle of the night).

Also be careful if you receive many copies of the same message from either known or unknown sources. Finally, remember that even friends and family may accidentally send you a virus or the email may have been sent from their machines without their knowledge. Such was the case with the "I Love You" virus that spread to millions of people in 2001. When in doubt, delete! If you receive an email from a trusted vendor or organization, be careful of phishing, a high-tech scam used to deceive consumers into providing personal data, including credit card numbers, etc The best way to make sure you're dealing with a merchant you trust, and not a fraudster, is to initiate the contact yourself. Type the merchant's address into your Internet browser instead of clicking on a link in an email.

3. Protect your computer from Internet intruders – equip your computer with a firewall to create a protective wall between it and the outside world.

They come in two forms: software firewalls that run on your personal computer and hardware firewalls that protect a number of computers at the same time. They work by filtering out unauthorized or potentially dangerous types of data from the Internet, while still allowing other (good) data to reach your computer. Firewalls also ensure that unauthorized persons can't gain access to your computer while you're connected to the Internet. You can find firewall hardware and software at most computer stores and in some operating systems. Don't let intruders in!

4. Regularly download security updates and "patches" for operating systems and other software.

Most major software companies today release updates and patches to close newly discovered vulnerabilities in their software. Sometimes bugs are discovered in a program that may allow a criminal hacker to attack your computer. Before most of these attacks occur, the software companies or vendors create free patches for you that they post on their Web sites. You need to be sure you download and install the patches! Check your software vendors' Web sites regularly for new security patches or use the automated patching features that some companies offer. Ensure that you are getting patches from the correct patch update site. Many systems have been compromised this past year by installing patches obtained from bogus update sites or emails that appear to be from a vendor that provides links to those bogus sites. If you don't have the time to do the work yourself, download and install a utility program to do it for you. There are available software programs that can perform this task for you. Stay informed!

5. Use hard-to-guess passwords.

Mix uppercase, lowercase, numbers, or other characters not easy to find in a dictionary, and make sure they are at least eight characters long. Passwords will only keep outsiders out if they are difficult to guess! Don't share your password, and don't use the same password in more than one place. If someone should happen to guess one of your passwords, you don't want them to be able to use it in other places. The golden rules of passwords are:

  1. A password should have a minimum of 8 characters, be as meaningless as possible, and use uppercase letters, lowercase letters, symbols and numbers, e.g., xk2&LP97.
  2. Change passwords regularly, at least every 60 days.
  3. Do not give out your password to anyone! For enhanced security, use some form of two-factor authentication. Two-factor authentication is a way to gain access by combining something you know (PIN) with something you have (token or smart card).

6. Back up your computer data on CDs, DVD's, USB or External Hard Disk Drives regularly.

Experienced computer users know that there are two types of people: those who have already lost data and those who are going to experience the pain of losing data in the future. Back up small amounts of data on floppy disks and larger amounts on CDs. If you have access to a network, save copies of your data on another computer in the network. Many people make weekly backups of all their important data. And make sure you have your original software start-up disks handy and available in the event your computer system files get damaged. Be prepared!

7. Don't share access to your computers with strangers.

Learn about file sharing risks. Your computer operating system may allow other computers on a network, including the Internet, to access the hard-drive of your computer in order to share files. This ability to share files can be used to infect your computer with a virus or look at the files on your computer if you don't pay close attention. So, unless you really need this ability, make sure you turn off file-sharing. Check your operating system and your other program help files to learn how to disable file sharing.

8. Disconnect from the Internet when not in use.

Remember that the Digital Highway is a two- way road. You send and receive information on it. Disconnecting your computer from the Internet when you're not online lessens the chance that someone will be able to access your computer. And if you haven't kept your antivirus software up-to-date, or don't have a firewall in place, someone could infect your computer or use it to harm someone else on the Internet. Help protect others: disconnect!

9. Check your security on a regular basis.

When you change your clocks for daylight-savings time, re-evaluate your computer security. The programs and operating system on your computer have many valuable features that make your life easier, but can also leave you vulnerable to hackers and viruses. Look at the settings on applications that you have on your computer. Your browser software, for example, typically has a security setting in its preferences area. Check what settings you have and make sure you have the security level appropriate for you. Set a high bar for yourself!

10. Make sure your family members and/or your employees know what to do if your computer becomes infected.

It's important that everyone who uses a computer be aware of proper security practices. People should know how to update virus protection software, how to download security patches from software vendors, and how to create a proper password. Make sure they know these tips too!

11. Always lock the screen or log off.

Never leave your computer logged on when it is not in use. When you leave your computer even for a few minutes, use the screenlocking feature that many operating systems offer – most Windows systems will lock the screen if you type Ctrl+Alt+Delete, then "k" (the short for the Lock button). Shut your computer down at the end of your working day.

12. Do not reply to spam messages.

Even if you are trying to unsubscribe, replying to spam, this lets the spammers know that you have successfully received their message so they will continue to send more spam.

13. Do not perpetuate spam.

Virus warnings are often false and can be recognized by the fact that they encourage the recipient to forward the message to everyone they know.

14. Enable the security settings in your Web browser.

Do not permanently disable security controls just because individual Web site require you to in order for them to work.

15. Browse the Web defensively.

Do not enable file sharing or click on any pop-up advertisements. Be cautious when giving personal information online. Secure sites are indicated by a padlock or key icon in toolbar, and a URL that begins with https.

16. Do not disclose personal information on unsecured Internet pages.

Be wary of disclosing personal and sensitive information. Only disclose sensitive information on secure Web pages (indicated by a padlock or key in the Web browser window).

17. Take care of your laptop computer.

Do not leave it unattended in public, visible in your car or, in any other place that makes it easily accessible to thieves.

18. Use licensed software only.

If you have pirated, unlicensed software, you will not receive adequate security updates and will not be given notices from the software creator when patches are made available.

19. If in Doubt about IT Security - ask someone?

Most people are not computer experts. Ask you IT person at work or local computer repair place for advice. Also try Googling the information as I am sure you will not be the only person asking this information. is an Australian based IT forum that contains loads of helpful information about the Internet, Internet providers and computer problems.


20. A hint for checking links embedded in emails

If you receive an email from someone that contains hyperlinks (even from someone you know), hover your mouse over the link for a moment and keep it still; a small tooltip window will pop up over your cursor displaying the actual internet address (URL) the link will take you to. If it seems suspicious or if you're unsure if it's safe, do not click on the link. Be very careful to read each part of the link, as often fake websites can have a very similar internet address to that of a trusted website, in order to try and trick you. Keep an eye out for anything that looks out of place

21. Transaction Monitoring

Summerland takes the security of your card seriously and monitors transactions behind the scenes to detect fraud. If unusual activity on your account is detected, a Summerland representative will contact you to confirm transactions have been authorised and are not fraudulent. We would NOT request you provide your personal details, account numbers, PIN, passcodes or full card numbers to help us to do this. If Summerland is unable to make contact with you we may send an SMS asking that you contact us.



Be aware, be safe


BPAY 2012 PORT BLUEPaying bills with BPAY® couldn't be much easier. Perhaps that's why, on average, over 5 million payments are made through BPAY every week for virtually anything – from household bills to flights online, school fees to pet care products and so much more.

With BPAY you can pay from the security of Summerland Credit Union, on the 'net or over the phone. And you have control of your payments 24/7. You can pay one off bills or schedule payments for later. How much and when you pay is completely up to you. It really is that simple.

Don't be hard on yourself. Make life easier with BPAY.

How to pay with BPAY

  • Register for internet banking or telephone banking, if you haven't already
  • Look for the distinctive BPAY logo on your bills
  • Log on to our internet banking site or call our telephone banking service
  • Select the BPAY or bill payment option and follow the simple instructions
  • Wait for and record your receipt number
  • For further information contact us on 1300 802 222 or visit your local branch

Virtually every bill that displays the BPAY logo and a biller code can be conveniently paid with BPAY – that means more than 15,000 billers accept payment via BPAY! Just check your bills for the BPAY logo.

With your account balance updated instantly, you always know exactly where you stand.



In addition to paying bills via BPAY, another product, BPAY View, allows you to help save paper and the environment by allowing you to receive and view bill statements from participating billers through Summerland Credit Union’s Internet Banking.

BPAY® is a trademark of BPAY Pty Ltd ABN 69 079 137 518.



If you experience problem while trying to use the internet banking website, try using the information below to solve your problem.

Old Software

To use internet banking effectively, we recommend you use Microsoft Internet Explorer or Firefox as your web browser whilst accessing internet banking.

If you are using an older version of web browsing software then you may experience problems accessing internet banking. If so, contact your Internet Service Provider for help on upgrading your browser software (dial-up users), or use one of these links to download a more recent version of your software (Broadband users):

If you are not sure which version of web browser you use, click on the HELP menu and select the ABOUT option at the bottom of the menu. This will normally give you the exact version.

PC users are also strongly advised to use the UPDATE feature built into Microsoft Internet Explorer to update your Windows operating system and Internet Explorer.

Doing so on a routine basis will keep your software up to date and will eliminate most problems. Do this by selecting WINDOWS UPDATE from the TOOLS menu at the top of this window (Internet Explorer only) and following the prompts on the Windows Update website.

Page Not Found Error

If you experience a page not found error when trying to get to the secure internet banking login page, please call our Support Centre on 1300 802 222.

Password Problems

When entering your password into the internet banking system, make sure your CAPS LOCK key is OFF and your NUM LOCK key on the keypad is ON (the lights on your keyboard).

Also, if your password contains any uppercase letters, you must enter these exactly the same as you originally did when you first set your password up. The words "Cat" and "cat" are not the same to the internet banking password system.

A simple way of checking if your password is being entered correctly is to open Notepad or Word, and type your password there. A malfunctioning keyboard, caps lock or num lock can effect how your password is entered, and viewing it this way lets you confirm you are entering a valid password.

If you suspect that someone may know your password, login to internet banking and use the Change Password option found under the TOOLS menu to get a new one, or contact the credit union.

Setting your Privacy setting to block cookies can also cause your password to fail, see the Can't get past the login page section below for details.

If you are Locked Out

Entering an incorrect password three timers in a row will lock your internet banking account until the next working day for security reasons.

The lockout is automatically lifted after this time, or you can contact the credit union on 1300 802 222 during business hours to have it lifted manually.

Can't get past the login page

If your password is failing, or your session is timing out (you get logged out as soon as you log in), your PRIVACY setting may be set to high.

The PRIVACY setting determines how cookies are handled on your system and internet banking uses cookies to process your password, as well as keep track of your session timer.

The session timer is designed to protect your account from unauthorised access should you leave internet banking logged in while your computer is unattended.

To find this setting, select INTERNET OPTIONS under your TOOLS menu and you should see the PRIVACY tab. (By default this should be set to Medium)

You should now see a window similar to the one on the right of the screen...

If this privacy setting is set to high, internet banking will not be able to operate correctly and your login will fail. internet banking will need this set to MEDIUM or lower for the login password to operate correctly.

If changing this setting still does not help, try downloading and accessing the internet banking website using the Firefox browser. This browser handles cookies better where other browsers fail.

Make internet banking a trusted site

To tell Internet Explorer that you trust the internet banking website and to allow it to load unhindered, you will need to add Internet Banking to your Trusted Sites list.

Select INTERNET OPTIONS under the TOOLS menu within Internet Explorer and go to the SECURITY tab.

You should now see a window similar to the one on the right of the screen...

Select the third icon that says TRUSTED SITES and select the SITES button.

Enter the address listed below into the box provided, making sure to press the ADD button after entering each one:

  1. https://internet

Press the CLOSE button provided and then the OK button to exit the INTERNET TOOLS page.

Now when you go to the internet banking login page, your browser should list the site as a TRUSTED SITE down in the bottom right of the browser window, on the status bar.

Your Internet Provider can also help you with the correct settings for use with their system.

Internet Congestion

If your browser informs you that the Server is not responding or something similar, just try again in a few moments. Most of the time this is caused by congestion on the Internet.

From personal experience, I have found the best time to access the Internet is between 3am and 12pm midday. This is when the local Internet services are least likely to be congested with traffic allowing faster access and fewer problems.

If All Else Fails

If you cannot find the answer to your problem in any of the text above, please contact our Support Centre on 1300 802 222 and we will try to solve your problem.

If you have the option, try accessing the internet banking system again the next morning and you will usually find everything is working fine again.

Another option is to try a different computer to see if the problem is caused by software on your computer.

Register Now Become a Member


Mobile Banking on the go? no problem! use our handy mobile-friendly site

If you're out and about, bank on the go with Mobile Banking.

Once registered for Internet Banking, visit on your mobile phone and you can:

  • View account balances and transaction detail for all accounts attached to your Internet Banking (IB) service
  • Transfer funds within your own membership
  • Transfer funds to another Summerland Member's account*
  • Transfer funds to another Financial Institution*
  • Pay bills using BPAY*
  • View existing auto transfers

*IB saved favourite destinations only

Not registered for Internet Banking?

Register Now Become a Member

See us for full terms and conditions.


Phone Banking 24 hour, 7 day access over the phone

 Want 24 hour access to your account over the phone?

Accessing your account anytime, anywhere is easy with our Telephone Banking.

What you can do

  • Get balances on all savings and loan accounts
  • BPAY your bills
  • Get detailed information on your last five transactions
  • Transfer funds between your own accounts
  • Request a loan application
  • Ask for a loans consultant to call you
  • Order a statement
  • Check what interest you've earned on your account


The first time you use this service, dial 1300 221 999 or +61 2 6622 8783 from overseas.

You'll be prompted to enter your member number and initial access code (supplied by Summerland), followed by the # symbol.

You will be required to change this initial access code to one of your choice of 4 – 6 numeric characters. You may not use your date of birth or simple sequence numbers (such as 23456), and care should be taken to choose a code that cannot be easily guessed.

Then, whenever you wish to access the Phone Banking functions:

  1. Dial 1300 221 999 or +61 2 6622 8783 from overseas
  2. Enter your Member Number followed by #
  3. Enter your access code followed by #
  4. Follow the voice prompts
  5. Press:

    1 to check account balances on all accounts
    2 to review up to 5 previous transactions on each account
    3 to transfer funds to another account
    4 to order a statement
    5 to request a loan application form or to log a loan request
    6 to change your access code
    7 to make a BPAY payment 

Please note 

  • By specifying which accounts you include, you can tailor your phone banking experience just for you
  • Accounts that require multiple signatories cannot be accessed using Phone Banking
  • If you forget your access code or would like assistance, call 1300 802 222
  • To access this service outside of Australia, phone +61 2 6622 8783

Download these instructions

Get started

Drop into your nearest branch or call our Support Centre on 1300 802 222 and ask for an access code.

Once you have your access code, you can use the service by phoning 1300 221 999 or +61 2 6622 8783 from overseas.


SMS Alerts Get instant txt updates on your account activity

With a quick txt, you can get instant updates on your account balances. It's also easy to set up regular alerts and receive a txt whenever something happens on your account, such as:

  1. account balance falls below or rises above a specified level
  2. direct debit or credit is processed to your account.

Or you can schedule regular account balance updates and stay on top of your finances.

To register for SMS Alerts or to set up an alert once you've registered, simply log into Internet Banking or ask our staff to help you at your local Summerland branch.

Request on demand

The SMS Request feature allows you to receive an SMS on demand, simply by SMS texting 0448 221 999 from your mobile phone with a code.

To request an SMS message:

  • Start a new txt message
  • Enter the short command code for the SMS you require (See below for the codes)
  • Some examples include:
    • B - Gives a balance for all accounts
    • B3 - Gives a balance for all accounts starting from the 3rd account
    • TXC2 - Gives a credit only transaction history starting from the 2nd account
    • I3 - Gives interest earned/paid starting from the 3rd account
  • Send the SMS Text message to 0448 221 999

Short Command Codes

Use the following table to determine the short command code needed:

Code   Information Required
B(n)   Balance request – all accounts starting from first or (n)th account (includes available balance)
T(n)   Transaction History – starting from first or (n)th account
TXC(n)   Transaction History – Credits only – starting from first or (n)th account
TXD(n)   Transaction History – Debits only – starting from first or (n)th account
I(n)   Interest Earned/Paid Request – starting from first or (n)th account

Note: (n) = the number order that your account appears in the Account Balances page e.g. If you want the balance of your 3rd listed account you would send an SMS containing the text B3.

Txt Limitations

When returning balance request information the system will return as many accounts as possible (within the 160 character limitation of SMS) from the starting account as indicated by the (n). To enable as many accounts as possible to be sent the system will limit account descriptions to 25 characters.

When returning transaction history request information the system will return as many transactions as possible (within the 160 character limitation of SMS) for the requested account as indicated by the (n). To enable as many transactions as possible to be sent the system will limit transaction descriptions to 30 characters.



eStatements Go green! Get your statements delivered on line

Make a real difference to the environment, change how you receive your statements and newsletters from paper-based to electronic.

Whenever your statement is ready, we'll send you an e-mail. Your statement is available sooner as you don't have to wait for it to be posted out. You can also read our newsletters online without having to print them.

You can access up to 7 years of statements and save paper by only printing what you need.

Sign me up!

Switching to eStatements is easy. Simply:

  1. Log into Internet Banking
  2. Click eStatements
  3. Follow the prompts to register

Not using our Internet Banking?

Register Now Become a Member

Join the growing number of people who are taking decisive action to help the environment with Summerland's eStatements. Every little bit helps.

Find out what else we're doing to stay green


Secure SMS keeping you safe against unauthorised transactions

What is Secure SMS?

As part of our ongoing commitment to the security of our members' funds, we have implemented Secure SMS, a free and easy-to-use service available to all Summerland internet banking members.

Using the speed of text messaging, we're making online banking even safer by using your mobile phone to provide an extra level of authentication.

How does it work?

Once set up with SecureSMS, you'll be sent a confirmation code each time you want to:

  • Send over $500 to a new transaction destination
  • Send money to saved history transactions (if you haven't previously sent them $500 or more)
  • Update your personal details or registering/de-registering from online services

This extra level of protection means you can have peace of mind when banking online.

Download the FAQs

Interested? Save time

Simply sign up for all of these great products with eAccess, our great all-in-one package. Click and we'll call you, email, or drop into a branch to get started.

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