The Internet Banking System is the first of a new breed of interactive Web sites that allow you to do much more than conventional "static" Web sites. It is constantly interacting with you, allowing you to update your own account, and showing you the updated information.

Because of this, it behaves slightly differently from conventional Web sites. This section lists a few things to avoid. These precautions only apply while you are using the Internet Banking System.

Before you have logged on and after you have logged off or while you are using the Credit Union Links, the Internet Banking System behaves exactly like any other Web site (and you can ignore these precautions):

• Bookmarks - Many browsers allow you to save bookmarks that point to Web pages you frequently visit:
  
  
  • You can save bookmarks that point to the first page or the logon page.
  • You Cannot save bookmarks to other pages after you have logged on.


• Back Button - Please don't use the browser's Back button on the toolbar after you have logged on.



• Resizing the Browser - It's a good idea not to change the size of your browser's window after you have logged on. Some browsers will try to load the file again when you change their size.



• Double Clicking - You do not have to double click on any buttons. If you rapidly click more than once on a button, you may see a page that says your session is no longer active. Typically you can continue with your session by clicking one time on any button.

You will also be asked to change the password given to you by the Credit Union to one of your own.

Safeguarding Your Account

With computer fraud becoming more prevalent these days, some simple precautions need to be practiced when using Internet Banking:

• Always keep your computer protected using an Up-To-Date Virus Scanner and Anti Spyware Software.
  
  If you believe you have a virus, do NOT logon to PCaccess until the threat has been removed from your system by updating your virus data files, re-scanning your computer and removing all detected viruses.



• Never tell anyone your password. Phishing scams are becoming more prevalent.
  
  Phishing is a type of deception designed to steal your identity. In phishing scams, scam artists try to get you to disclose valuable personal data—like credit card numbers, passwords, account data, or other information—by convincing you to provide it under false pretences.
  
  Remember - you will never be asked to disclose your password to the Credit Union.
  
  See the Anti-Phishing Working Group website for more details on Phishing Scams



• Memorise your PCaccess password



• Don't choose a password that is easily identified with you, e.g. your birth date or your car registration



• Don't choose a password that is merely a group of repeated numbers



• Try to prevent anyone else seeing you enter your password



• Exercise caution when saving passwords in electronic equipment and do not save passwords in shared electronic equipment (i.e. do not use the remember password functions on your web browser)



• Do not leave electronic equipment unattended while connected to Internet Banking



• Immediately report the loss, theft or unauthorised use of your password to us on 1300 361 561



• Examine your account statement as soon as you receive it to identify and report, as soon as possible, any instances of unauthorised use

Daily Limits

Standard transfer limits on a membership are set at $50,000 per day for Internal funds transfers (to your own, or to another Summerland member's account), and $5,000 per day for External funds transfers to other financial institutions.

When transferring funds, Cheque payments, BPay transactions or Processing Batches, the total amount of these transfers must not exceed this daily limit or they will fail.

When a batch needs to be authorised by two or more people, each person responsible for processing and authorising the batch must have a daily limit above the total batch amount plus any transaction processed on PCaccess that day, or transactions in the batch will fail once the limit is reached.

Members needing a higher daily limit need to contact the credit union on 1300 361 561.

The new Factor2 Passcode

With computer fraud on the rise and malicious programs such as Trojan Viruses and Keystroke Logging software attacking unprotected computers, a second layer of security called Factor2 has been added to PCaccess in the form of a Personal Icon Passcode.

Keystroke loggers hide on your computer and records any keyboard activity, including passwords for online banking should you login. It then sends off its captured data to its creator over the internet, all without your knowledge.

With Factor2 authentication, once you log into PCaccess using your password, you will be prompted to enter your Personal Icon Passcode, that consists of three predefined icons, using your mouse. This bypasses the keyboard altogether and prevents keystroke loggers from capturing your login codes.

A Factor2 passcode consists of three icons selected from separate categories. When setting up your passcode you must memorise your selection of three icons and the order in which they were selected.

Some examples of passcodes are shown below:

Example 1

Example 2

Example 3

Setting Up Your Passcode

The first time you log into PCaccess, just after the password screen you will automatically be prompted to setup your new passcode.

To setup your new passcode:

1. Press the REGISTER YOUR PERSONAL ICONS button



2. Select the first category from the drop down list provided and press the NEXT button



3. Select the first icon for your new passcode



4. Select a second category from the drop down list provided and press the NEXT button



5. Select the second icon for your new passcode



6. Select a third category from the drop down list provided and press the NEXT button



7. Select the third icon for your new passcode



8. Confirm the three icons you have selected by pressing the CONFIRM button

Your new passcode is loaded into the system and will need to be entered as a secondary login every time you enter PCaccess.

Using Your Passcode

Once a Factor2 passcode is established, whenever you login to PCaccess you will be prompted to enter your Passcode by a screen similar to the one shown below. Simply click the three icons in the correct order to enter PCaccess.

Once your Factor2 passcode is entered you will remain authenticated for the duration of your PCaccess session.

If you have Forgotten Your Factor2 Passcode

If an error is made you will be logged out of the system immediately as there will be no retries allowed at this level. The Member Number and standard Password must be entered again before retrying your Factor2 passcode.

If three incorrect passcode attempts are made your access will be locked and you will need to call our Member Response Centre on 1300 361 561.

The Home Page

The first page you see after logging on is called the Home Page. This page is generally the Accounts Balances page that displays all of your accounts, but can be modified using the Start Up Page option under TOOLS to display a different page, such as Transaction History, or Account Transfers.

Pressing the button in the top right of the screen will always return you to this page.

PCaccess Components

The Main PCaccess Window is divided into several different areas, described below:

• The Top Header Frame - This header contains the four main control buttons used to return to your default HOME page, go to the TOOLS section, LOGOUT of PCaccess or bring up the HELP page. If you click on the Tools button, the tools menu will be listed in the left hand Options Frame.



• The Options Frame - The left hand Options Frame displays either the Main Menu or the Tools Menu. The buttons represent the different services available from the Internet Banking System. You can click any button in the Options Frame at any time. The service you select will appear in the main display area after you click on its button.



• The Main Display - The Main Display fills most of the Internet Banking screen. The services you select are displayed in this area. For example, if you click on Balances, your account balances are shown here.

Account Balances

This is the default page that you will view after logging in, you can amend this by using the Start Up Page option under the TOOLS menu.

The Account Balances page will display your name, address and e-mail details. Please ensure that these details are always up to date. If you need to let us know of any changes, go to TOOLS and then Update Personal Details and update accordingly. Once submitted please allow up to 48 hours or longer if submitted on a non-business day for the changes to be made.

This page includes a table which lists all accounts attached to PCaccess, their Description, Account Current Balance, Overdraft Limit (if applicable), Unclear Funds amount (if applicable) and the account’s Available Balance.

The Unclear Funds Column will show any uncleared cheques, payments not yet available or visa purchases not yet processed. If an amount is displayed, you can click it and further details will be displayed. If more than one cheque has been deposited as a transit cheque (3 day hold) the total amount of the cheque deposit only will be shown.

The Overdraft Limit Column displays the total amount of the overdraft limit (if any) and provides a comparison between the current balance of the overdraft account and the current overdraft limit.

You are able to tailor which of your accounts, including those you are a signatory on, you would like to appear in PCaccess.

If you hover over any of the account numbers listed a pop-up window will appear listing the last ten (10) transactions on that account. If you click on the account number you will go directly to the Transaction List, where you can customise a transaction history search.

If you hover over the Available Balance for a loan account, a hover pop-up window with the loan account details will appear with information including one of the following:

• If the next scheduled payment for the loan account is a calculated value then the amount cannot be displayed and the Next Scheduled Payment Amount will display as Calculated.
  
  
• If the loan is In Advance the amount will be displayed as well as the Next Payment Due date and amount.
  
  
• If the loan account is currently In Arrears, the Arrears date will be the date of the first missed
  payment(s) and the amount will be the total current arrears amount.

You can print this page by using the print icon on screen.

If any of your accounts show as dormant, that means you have not performed any transaction on the account for more than 2 years. Please contact Summerland to get this account closed. You will be unable to perform a transaction on an account with a dormant status.

Note: The last logged in time is in Central Standard Time (CST).

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Transaction List

Use this option to generate a transaction list displaying all transactions using the criteria specified in your search. You can then print this list for your records.

To generate the transaction list:

1. Select the Transaction List option or click on the respective account you wish to view transaction history on from the Account Balances Page



2. When Transaction History page displays then nominate the criteria you require:
   
   
   • The account to be reported on
   • Whether you want to see all transactions or specific transaction types
   • The order the transactions are to appear – ie newest or oldest first
   • Number of days to report of or alternatively a date range
   • Finally indicate whether you want to display and print the listing or download it
     
     Download Options include:
     
     • Microsoft Excel - As a .xls file
     • CSV (Comma Separated Variable) - As a .csv text file for use in other packages
     • Quicken/MS Money - As a .qif file for use in Quicken, MS Money and MYOB


3. Press the GET TRANSACTIONS button to start the search
   
   
   • If you selected display and print, the transaction list will be displayed and you can use the print icon to generate a hardcopy
   
   
   
   • If on the other hand you selected one of the download options, you will be prompted to save the file to your local harddrive. When using personal finance packages, you can then import this file. Specific packages indicate how to import the data file, however it is usually by using the IMPORT feature under the FILE function.

Note: When downloading, some computers may open the file directly, instead or prompting you to save it.

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Funds Transfer

The Funds transfer feature gives you three options to move funds:

• To another account within your own membership
• To another membership within the Summerland Credit Union
• To another financial institution (External Transfer)

If your account requires more than 1 signature to approve any transactions, you are only able to perform transactions within Batch processing.

Funds Transfer to Own Membership

Use this option to transfer funds between your own accounts. When using this option, you will see all the accounts that you are the primary, joint holder or signatory for and transfers using this option happen immediately.

To move funds to one of your own accounts within your membership:

1. Select the Other Accounts Within This Membership option



2. Then nominate the criteria you require:
   
   
   • Whether you want the funds to go now or on a different day
     
     If you select on a different day, you need to supply the date for the transfer, how many times you want this to re-occur (use an * for indefinitely) and if more than once is selected, you also need to enter the frequency
   
   
   
   • Which of your accounts the funds are to come out of
   • The account the funds are to go into
   • A reference for the transfer: ie Rent Payment
   • The Amount to transfer


3. Press the CONTINUE button



4. You will be asked to confirm the details, if they look OK press YES, TRANSFER to load the transaction



5. When the transfer has been accepted, a receipt will appear which you can print using the print icon

Note: If you have performed a transaction to go on a different day, you can use the Auto Transfers option to view and edit these transactions before they are posted.

Funds Transfer to another Membership within the Summerland Credit Union

To transfer funds to another Summerland member all you need is their specific account number (which is different to their member number) and the first 3 letters of their surname. Transfers sent using this feature happen immediately.

To move funds to another members account within the Credit union:

1. Select the Another membership within this Credit Union option



2. Then nominate the criteria you require:
   
   
   • Whether you want the funds to go now or on a different day
     
     If you select on a different day, you need to supply the date for the transfer, how many times you want this to re-occur (use an * for indefinitely) and if more than once is selected, you also need to enter the frequency
   
   
   
   • Which of your own accounts the funds are to come out of
   • The other members account number (not their member number)
   • The first three letters of their surname
   • A reference for the transfer: ie Rent Payment
   • The Amount to transfer
   • A description for this transfer when stored on your History List below
   
   
   
   If you have performed this transfer previously, you can pre-populate these fields by selecting the transaction data from the History List below. To view descriptions for these previous transactions, hover your mouse over the blue account number on the left.
   
   Select DELETE from the drop down box on the right to delete this history data. Deleting history data does NOT delete a currently loaded transaction.



3. Press the CONTINUE button



4. You will be asked to confirm the details, if they look OK press YES, TRANSFER to load the transaction



5. When the transfer has been accepted, a receipt will appear which you can print using the print icon

Note: If you have performed a transaction to go on a different day, you can use the Auto Transfers option to view and edit these transactions before they are posted.

Funds Transfer to another Financial Institution

This feature allows you to move funds to another persons account at a different financial institution. To do this you will need their account name, account number and the BSB number of their financial institution.

When you perform an external funds transfer (EFT) your account balance will be debited immediately.

To move funds to another financial institution:

1. Select the Another Financial Institution option



2. Then nominate the criteria you require:
   
   
   • The date the transfer is to occur
   • How many times you want this to re-occur (use an * for indefinitely)
   • The frequency if it is to occur more than once
   • Which of your own accounts the funds are to come out of
   • The other financial institutions BSB no: ie 802-222
   • The name of the other persons account: ie John C Citizen
   • A reference for the transfer: ie Rent Payment
   • The Amount to transfer
   • A description for this transfer when stored on your History List below
   
   
   
   If you have performed this transfer previously, you can pre-populate these fields by selecting the transaction data from the History List below. To view descriptions for these previous transactions, hover your mouse over the blue account number on the left.
   
   Select DELETE from the drop down box on the right to delete this history data. Deleting history data does NOT delete a currently loaded transaction.



3. Press the CONTINUE button



4. You will be asked to confirm the details, if they look OK press YES, TRANSFER to load the transaction



5. When the transfer has been accepted, a receipt will appear which you can print using the print icon
   
   If the amount of the transaction exceeds the account’s available balance, the transaction will fail immediately and a warning message will be displayed.

Note: If you have performed a transfer to go on a different day, you can use the Auto Transfers option to view and edit these transfers before they are posted

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Interest Earned

Displays the interest earned and paid on each of your accounts for this year and last year.

To print this page, use the print icon.

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Auto Transfers (Periodical Payments)

Auto transfers are future dated payments which can be made up of one off or recurring BPay, funds transfers and cheque payments between your accounts or to another account, either within Summerland or externally. These transfers can be loaded at a Summerland branch, on DIAL Telephone banking or PCaccess.

On this page you are able to view, edit or delete an auto transfer. However if you have a Christmas Club account you will notice an Auto Transfer in your list for this account to be transferred annually on 1st November. You are unable to modify or delete this auto transfer in PCaccess.

To set-up an auto transfer you need to go into either:

• Funds Transfer
• BPay
• Cheque Payment

If your account requires more than 1 signature to approve any transactions, you are only able to perform transactions within Batch processing.

To modify or delete an auto transfer:

1. Select the auto transfer you wish to work with



2. To edit the Auto transfer press the VIEW/MODIFY button
   
   The details will be displayed for editing. Modify the details as needed and press the SAVE CHANGES button when done to accept the changes



3. To delete the auto transaction, press the DELETE button
   
   You will be prompted to delete the auto transaction, press the DELETE button again to confirm deletion

Note: Depending on how the auto transfer was created, some auto transfer can not be edited or deleted.

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Payroll Details

View all direct credit suppliers for your accounts including the last date a payment was received and the amount.

To print this page, use the print icon.

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Batch Processing

Batches are often used by businesses and usually comprise a number of transactions. These can be either of the same type or different types. Batches can be one-off, future dated or recurring.

Batches can be viewed, updated or deleted. Commonly batches are used so details do not have to be re-entered, except for the amount, such as payrolls or regular payments.

When a batch is processed the amount is debited from your account as each individual transaction.

Anyone can use batch processing to process payments, however if your account requires more than 1 signature to approve any transactions, you are only able to perform transactions within Batch processing.

The reason for this is that this option enables a flashing icon (See image on right) to flash when one of your signatories logs onto PCaccess under their membership number and notify them that there is a batch awaiting their approval before it will be processed.

A Member Authority control is available to assist Members with 2 to sign accounts to set limit access authority within the Batch Processing module of PCaccess.

The following table shows the restrictions available via this Member Authority Control.

AUTHORITY	DESCRIPTION
No Access	Batches debiting this account are not available to this Member. New batches debiting this account can not be created by this Member.
View Only (Applies to Batch Processing module and PCaccess/Internet Banking System)	Batch Processing Module: Batches debiting this account can be viewed by this Member. Batches debiting this account can not be changed, approved or processed by this Member. New batches debiting this account can not be created by this Member. PCaccess system: The account can not be debited by this Member via Internet Banking so the account will not be available to be selected as the source account for transfers or payments.
Batch View Only (Applies only to the Business Banking module)	Batches debiting this account can be viewed by this Member. Batches debiting this account can not be changed, approved or processed by this Member. New batches debiting this account can not be created by this Member.
Create and Update Only	Batches debiting this account can be viewed, created and changed by this Member. Batches debiting this account can not be approved or processed by this Member.
Create Update and Approve only	Batches debiting this account can be viewed, created, changed and approved by this Member. Batches debiting this account can not be processed by this Member.
Full Access	Batches debiting this account can be viewed, created, changed, approved and processed by this Member

NOTE: Full access will be the default Authority unless otherwise specified

The level of Member Authority control for a particular account will be displayed in the Batch Processing module of PCaccess whenever that account is selected as highlighted below. Please speak to your branch for more information.

The Saved Batch List Screen

The first screen you see when entering Batch Processing is the Saved Batch List screen. This screen will list all of your currently saved batches. From here you can:

• Create New Batch – to make a brand new batch from scratch
• Edit a Batch – to change the details of a batch
• Process a Batch – to load the batch for processing by the Credit Union
• Delete a Batch – deletes the batch data (this does not stop a processed batch)
• View Batch/History – to see batch details and history
• Upload Cemtex File – to import a batch from an accounting package

Whenever you edit the details within a batch, the batch is automatically saved and this list will reflect those changes.

On this main screen, you can see how many signatures are required to approve loading a batch, the amount of batch items in each batch, what batches are new, scheduled and when they were last processed.

Loaded Cemtex batches will be displayed with a [c] in front of the batch ID

Creating a New Batch

Use this option to start a brand new batch from scratch.

To create a new batch:

1. From the Saved Batch List screen, press the Create New Batch button



2. Enter a name for the batch in the BATCH ID box: ie Mondays Wages



3. Select the account the funds will be debited from with the FROM ACCOUNT drop down box



4. Select the transaction type with the ADD NEW drop down box:
   
   
   • Own Accts Transfer – Move to one of your own accounts
   • Another Acct Transfer – Move to another Members Account
   • External Transfer – Move to another Financial Institution
   • Cheque Payment – Request a Cheque
   • BPay Payment – To generate a BPay payment
   
   
   
   Enter in the necessary payment details or select a previous transaction from the History List below. For more information about these fields, click on the name of the transaction type above



5. Press the CONTINUE button



6. You will be asked to confirm the details, if they look OK press the YES, ADD TO BATCH button to load the batch item



7. You will return to the Batch screen where you can continue the above steps and add additional transactions for the batch as needed.
   
   
   • The batch is Saved automatically as you go and when you are finished, you can exit the batch by either clicking on the BACK button supplied, or selecting another option.
   
   
   
   • You can also process the batch by simply pressing the PROCESS BATCH button. See the section below on Processing the Batch for more info…

Note: You will only be able to select the From Account in step 3 before you process the batch.

Editing an Existing Batch

Use this option to modify an existing batch.

Please be aware that:

• Batches scheduled for processing can not be edited until they are processed.



• Due to the nature of Cemtex Files, you can not edit them. If you wish to change the batch items within a Cemtex File, you will need to recreate it using other accounting software, and then reload it.

To edit an existing batch:

1. From the Saved Batch List screen, select UPDATE from the Action column drop down box for that batch.
   
   
   • To Add a Batch Item - Select the transaction type with the ADD NEW drop down box
     
     This works the same as when Creating a New Batch from scratch above
   
   
   
   • To Edit Batch Items - Change any of the amounts in the Amount boxes and select UPDATE BATCH located at the bottom of the batch screen.
   
   
   
   • To Delete a Batch Item - Select DELETE from the Action column drop down box for that batch Item.


2. When you are finished editing the batch:
   
   
   • You can exit the batch by either clicking on the BACK button supplied, or selecting another option.
   
   
   
   • You can also process the batch by simply pressing the PROCESS BATCH button. See the section below on Processing the Batch for more info…

Note: Any changes made to the batch are saved automatically as you go.

Processing a Batch

When you process a batch, you are loading it onto the banking system to be run.

After an authorised batch has been processed, all members that have approved the batch and have email receipts enabled will receive an email confirming the batch has been processed. This receipt will contain a breakdown of both successful and failed transactions within a batch.

If a transaction within the batch fails, the failure reason is reported as Transaction exceeds limit. This reason indicates the transaction failed because your daily transaction limit was exceeded.

To process a batch:

1. From the Saved Batch List screen, select UPDATE from the Action column drop down box for that batch.



2. Make any last minute changes to your batch - See Editing an Existing Batch for more details
   
   Note: Any changes made to the batch are saved automatically as you go.



3. Press the PROCESS BATCH button.



4. Enter a date for when you want the Batch to be processed.



5. Press the YES, PROCESS button to schedule processing of the batch.



6. The system will confirm that the batch has been loaded for processing, press the OK button to return to the Saved Batch List screen

Note: If two or more signatures are required then the batch will not be processed until both signatories have authorised the batch.

Please make sure you are aware of your daily limits as exceeding your limit may result in the batch failing.

Authorising a Batch

If you log into PCaccess and see the flashing AUTHORISE BATCH icon in the header section of PCaccess, it is indicating that a batch has been loaded that you will need to authorise before the batch can be processed.

To authorise a batch:

1. From the Saved Batch List screen, select UPDATE from the Action column drop down box for that batch.



2. Press the PROCESS BATCH button.



3. Press the YES, PROCESS button to schedule processing of the batch.



4. The system will confirm that the batch has been loaded for processing, press the OK button to return to the Saved Batch List screen

Note: Please make sure you are aware of your daily limits as exceeding your limit may result in the batch failing.

Deleting a Batch

Use this option to delete an existing batch.

To delete a batch:

1. From the Saved Batch List screen, select DELETE from the Action column drop down box for that batch.



2. Press the OK button to delete the batch from the system

Note: Deleting a batch does not stop a batch that has already been processed.

Viewing a Batch and its History

Use this option to view an individual batch and its history, or perform a search for batches within a timeframe and view their histories.

When viewing the history of a batch, it will show when the batch was processed, and details such as:

• Each batch items receipt number
• The account that was debited by the batch
• Who authorised the batch if multiple signatures are required
• The total number of items in the batch
• How many of those batch items failed: ie Due to insufficient funds
• The total amount of the batch
• The batches current status

Select which option you wish to do below....

To view an individual batches details or history:

1. From the Saved Batch List screen, select VIEW or HISTORY from the Action column drop down box for that batch.
   
   Depending on which option you selected, the batch will be displayed showing all batch items and details about the batch including status and when it was last processed



2. If you selected HISTORY, use the View Transactions drop down box to display a batch breakdown of all Batch Items:
   
   
   • All: Show results for all batch items including individual Receipt numbers
   • Successful: Only show batch items that were successfully processed
   • Failed: Only show batch items that failed to be processed
   
   Note: To display the reason for a transaction failure, hover your mouse over the word FAILED that is displayed in blue and a popup explaining why will appear.
   


3. You can exit the batch view by either clicking on the BACK button supplied, or selecting another option.

To do a search for all batches within a timeframe and view their histories:

1. From the Saved Batch List screen, press the VIEW BATCH HISTORY button.



2. Select what order you want the list displayed in using the ORDER BY drop down box



3. Select the timeframe to search within with the FOR drop down box
   
   If you selected the SELECTED DATE RANGE feature, you will need to enter a starting and ending date: ie 01/08/2006 to 31/08/2006



4. Press the GET HISTORY button to start the search
   
   The batch search will be displayed showing the batches history details



5. Use the View Transactions drop down box to display a batch breakdown of all Batch Items:
   
   
   • All: Show results for all batch items including individual Receipt numbers
   • Successful: Only show batch items that were successfully processed
   • Failed: Only show batch items that failed to be processed
   
   Note: To display the reason for a transaction failure, hover your mouse over the word FAILED that is displayed in blue and a popup explaining why will appear.
   


6. You can exit the batch search history view by either clicking on the BACK button supplied, or selecting another option.

Loading a Cemtex File

The Upload Cemtex File function provides a convenient and efficient method of adding multiple external funds transfer (EFT) requests for processing via the Direct Entry (DE) system.

Payment files created using your existing business accounting software, (such as MYOB and Quicken) can now be easily imported into PCaccess saving time by alleviating the need for adding individual transfer requests.

CEMTEX stands for Central Magnetic Tape Exchange and was established by the banks to act as an automated clearing house for the processing of Direct Entry payments.

Only files that conform to the Australian Payments Clearing Association (APCA), Direct Entry (DE) file format may be uploaded into PCaccess.

These can be easily recognized by the .ABA file extension, for example a payroll file might be named your_payroll_file.ABA, and will be created by your 3rd party accounting software.

Note: Due to the nature of Cemtex Files, you can not edit them within PCaccess. If you wish to change the batch items within a Cemtex File, you will need to recreate it using other accounting software, and then reload it.

To upload a Cemtex file:

1. From the Saved Batch List screen, press the UPLOAD CEMTEX FILE button.



2. Enter a name for the batch in the BATCH ID box: ie Mondays Wages



3. Select the account the funds will be debited from with the FROM ACCOUNT drop down box



4. Press the CONTINUE button



5. Press the BROWSE button and find your .ABA file



6. Press the CONTINUE button



7. The loaded batch will be displayed, if all looks OK, press the CONTINUE button



8. Double check your batch and press the SUBMIT BATCH button



9. Enter a date for when you want the Batch to be processed.



10. Press the YES, PROCESS button to schedule processing of the batch.



11. The system will confirm that the batch has been loaded for processing, press the OK button to return to the Saved Batch List screen

Note: If two or more signatures are required then the batch will not be processed until both signatories have approved processing of the batch.

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Cheque Payment

Use this feature to make a credit union cheque payment from any of your accounts. These can be set up as one off, today or in the future or set up as a recurring payment

Counter cheque requests are sent via Australia post and the Credit Union will not be held responsible for late payment.

To request a cheque payment:

1. Nominate the criteria you require:
   
   
   • Which of your own accounts the funds are to come out of
   • The Amount to go onto the cheque
   • The date the transfer is to occur
   • How many times you want this to re-occur (use an * for indefinitely)
   • The frequency if it is to occur more than once
   • A reference for the payee: ie your name and account number
   • The name of the payee the cheque is to be made out to: ie John C Citizen
   • The payees address including State and Postcode
   • A description for this cheque when stored on your Cheque History List below
   
   
   
   If you have requested this cheque previously, you can pre-populate these fields by selecting the cheque data from the Cheque History List below. To view details and descriptions for these previous cheques, hover your mouse over the blue payee details field on the left.
   
   Select DELETE from the drop down box on the right to delete this history data. Deleting history data does NOT delete a currently loaded cheque.



2. Press the CONTINUE button



3. You will be asked to confirm the details, if they look OK press YES, PROCESS to load the cheque



4. When the cheque request has been accepted, a receipt will appear which you can print using the print icon

Note: If you have requested a cheque to go on a different day, you can use the Auto Transfers option to view and edit these cheques before they are posted.

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BPay Payment

BPay allows you to pay a bill with any company that is a registered biller.

Payments can be made in advance of the current date and you can also set up regular recurring payments (auto transfer). Please be aware that a Pay Now - BPay cannot be reversed.

To perform a BPay payment:

1. Select the Select a biller from my BPay list or add new biller details option



2. Then nominate the criteria you require:
   
   
   • Whether you want the BPay to go now or on a different day
     
     If you select on a different day, you need to supply the date for the BPay, how many times you want this to re-occur (use an * for indefinitely) and if more than once is selected, you also need to enter the frequency
   
   
   
   • Which of your accounts the funds are to come out of
   • The biller code found on the bill
   • The customer reference number found on the bill
     
     Some biller codes and customer reference numbers may change month by month and therefore future dated payments loaded now may be rejected in the future
   
   
   
   • The Amount to transfer
   • A description for this BPay when stored on your BPay History List below
   
   
   
   If you have performed this BPay previously, you can pre-populate these fields by selecting the BPay data from the BPay History List below. To view descriptions for previous BPay transactions, hover your mouse over the blue biller name field



3. Press the CONTINUE button



4. You will be asked to confirm the details, if they look OK press YES, PROCEED to load the BPay



5. When the BPay has been accepted, a receipt will appear which you can print using the print icon

Note: If you have performed a BPay to go on a different day, you can use the Auto Transfers option to view and edit these BPays before they are posted.

To change or delete a biller from the BPay History List:

1. Select the Change details or delete a biller from my BPay list option



2. To edit the BPay, enter a new customer reference number and then select UPDATE from the drop down box on the right



3. To delete the BPay biller from your history list, select DELETE from the drop down box on the right

Note: Editing or deleting BPay history data does NOT edit or delete a currently loaded BPay

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BPay View

Register for BPay View and you can choose to receive your bills electronically to PCaccess. Available billers at this stage are Telstra, Primus Telecommunications, Ergon Energy, Brisbane City Council, Townsville City Council and most of the Sydney Councils. Check www.bpayview.com.au for more details.

For an up-to-date list of businesses currently offering the BPay View service, Click Here.

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SMS Alerts

SMS Alerts allows you to keep track of your account balances and other account activity via a text message (SMS) to your mobile phone.

There are two ways you can do this:

Alerts You can nominate to receive an SMS alert whenever a nominated event occurs e.g. your account balance falls below $50.00

Requests You send us an SMS text message requesting specific information about your account e.g. your account balance

To Register

1. Select the SMS Alerts option



2. Press the REGISTER button



3. You will need to:
   
   
   • Tick the SMS Registered checkbox
   • Enter your mobile phone number into the textbox
   • Select the account to charge SMS fees to using the drop down box
   
   Make sure you double check the mobile number you entered for accuracy



4. Press the SAVE CHANGES button



5. Press the OK button to enable SMS Alerts on your membership

You will then receive an SMS text Message on your mobile to confirm the registration was successful.

You can also call our Member Response Centre on 1300 361561 or visit one of our branches and have a staff member assist you with registration.

Security and Privacy

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

To keep your information private, you should:

• protect and control who can access your mobile phone
• delete our SMS messages from your mobile phone after you have received them
• 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!

Costs

There is no cost to register for the SMS Alerts service, however SMS Alerts and/or a reply SMS to a request costs a standard $0.25 per SMS.

Refer to our Schedule of Fees and Charges or Terms and Conditions document for more information.

Adding, Editing and Deleting an SMS Alert

You can nominate to receive a SMS text message when any of the following events occur:

• Your account balance falls below or rises above a specified level
• A direct credit is processed to your membership
• A direct debit is processed from your membership
• Scheduled account balance sent to you on a regular basis e.g. every Monday at 9.00am

To add an SMS Alert:

1. Select the SMS Alerts option to bring up the SMS Alerts list screen



2. Select an Alert Type using the - ADD NEW - drop down box on the left



3. Depending on the alert type, nominate the criteria you require:
   
   
   • For a Direct Credit Received Alert:
     
     
     • No information is needed as an SMS Alert is sent when a Direct Credit is processed to any one of your accounts
   
   
   • For a Direct Debit Received Alert:
     
     
     • No information is needed as an SMS Alert is sent when a Direct Debit is processed to any one of your accounts
   
   
   • For an Account Balance Threshold Alert:
     
     
     • Select the account to monitor
     • Enter a low amount (if your balance drops to this amount or less an SMS alert will be sent)
     • Enter a high amount (if your balance rises to this amount or more an SMS alert will be sent)
     • Press the SAVE ALERT button
   
   
   • For a Scheduled Balance Alert:
     
     
     • Select the account that will provide the balance details
     • Enter the date and time for the first SMS alert
       NOTE: SMS scheduled Alerts are only available between 6am and 6pm
     • Select the frequency the SMS alert will occur eg: Fortnightly
     • Press the SAVE ALERT button


4. Press the OK button

The new SMS Alert will now be listed in the SMS Alerts list.

To edit an SMS Alert:

1. Select the SMS Alerts option to bring up the SMS Alerts list screen



2. Select UPDATE using the Alerts drop down box on the right
   
   NOTE: You can only edit Account Balance Threshold and Scheduled Balance Alerts



3. Modify the details as needed



4. Press the UPDATE ALERT button



5. Press the OK button

The SMS Alert will now be updated in the SMS Alerts list.

To delete an SMS Alert:

1. Select the SMS Alerts option to bring up the SMS Alerts list screen



2. Select DELETE using the Alerts drop down box on the right
   
   
3. Press the OK button to confirm deletion



4. Press the OK button

The SMS Alert will no longer show in the SMS Alerts list.

Requesting an SMS Alert on demand

The SMS Request feature allows you to receive an SMS on demand, simply by SMS texting 0448 22 1999 from your mobile phone with a special code.

To request an SMS message:

1. Start a new SMS text message



2. Enter the short command code for the SMS you require (See the table 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


3. Send the SMS Text message to 0448 22 1999

The SMS requested will be sent to your mobile (nominated when you registered for SMS Alerts)

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.

SMS 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.

Changing your Registration Details

To update your registration details in SMS Alerts:

1. Select the SMS Alerts option



2. Press the UPDATE button



3. Modify the details as needed



4. Press the SAVE CHANGES button



5. Press the OK button

The new details will now be saved.

Un-registering for SMS Alert

To un-register for SMS Alerts:

1. Select the SMS Alerts option



2. Press the UPDATE button



3. Remove the tick from the SMS Registered checkbox



4. Press the SAVE CHANGES button



5. Press the OK button

You are no longer registered for SMS alerts.

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Loan Application

Internet Lending will allow you to complete a loan application containing the following details:

• Loan Product selection (Home Loan, Car Loan etc)
• Specific Product details (Loan Purpose, Amount, Loan Period etc)
• Personal details (Name and Address, Number of Dependents etc)
• References details
• Employment details
• Income details
• Savings and Assets details
• Expenses and Liabilities details

Certain fields are mandatory in the application and these are denoted by a red asterisk.

When a new Internet Loan Application is selected your personal details ie Name, Address, Date of birth & Phone are pre-populated, and if applicable, any previous loan application details you have entered.

There is no need to enter in details for any assets and liabilities with Summerland, ie your deposits or loans with Summerland. These will be automatically included with your application.

Internet Lending is primarily for single borrower applications but joint borrower details can be entered on the final page.

If you exit before completing the loan application the system will store it for later and you can navigate through the screens with the CONTINUE and PREVIOUS buttons.

Finally you can display a summary of the loan application and Print it prior to submitting the loan. Once submitted the Loan Application Number will be displayed. Take note of this number, in case you want to contact Summerland to discuss.

We will contact you promptly to discuss your application.

Send Message

If you would like to e-mail the credit union:

1. Press the TOOLS button to enter the TOOLS section of PCaccess
2. Select the Send Message option (this may appear automatically)
3. Enter your details into the supplied text boxes
4. Press the SEND button

Note: To exit the tools section and return to the main menu of PCaccess, press the HOME button.

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Change Password

Use this feature to update your password. We recommend that you do this regularly and use both letters and numbers for additional security.

Some things to remember when setting up a new password:

• Do not tell your password to others, as you are responsible for its use.
• Only use numbers or letters of the alphabet
• Make your password a minimum of 6 and maximum of 16 characters long
• Do not use spaces or symbols of any kind
• The password is case sensitive, Cat and cat are treated as two different passwords

If you lose your password, let the credit union know and we will replace your old password with a new one.

Be aware that Summerland would never ask for your password, and that a common fraud method to try and obtain your details is phishing e-mails. Never reply to such e-mails. See the section on Safeguarding Your Account above.

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

To change your access password:

1. Press the TOOLS button to enter the TOOLS section of PCaccess
2. Select the Change Password option
3. Enter your current password
4. Enter your new password twice to confirm there are no errors
5. Press the CHANGE IT button

Your new password is loaded directly into the system. The next time you logon to PCaccess, you must use this new password.

Note: To exit the tools section and return to the main menu of PCaccess, press the HOME button.

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Set Factor2 Passcode

Use this feature to update your Factor2 passcode.

To change your passcode:

1. Press the TOOLS button to enter the TOOLS section of PCaccess
2. Select the Set Factor2 Passcode option
3. Enter your current Factor2 Passcode
4. Press the CHANGE YOUR PERSONAL ICONS button
5. Select the first icons category from the drop down list provided and press the NEXT button
6. Select the first icon for your new passcode
7. Select the second icons category from the drop down list provided and press the NEXT button
8. Select the second icon for your new passcode
9. Select the third icons category from the drop down list provided and press the NEXT button
10. Select the third icon for your new passcode
11. Confirm the three icons you have selected by pressing the CONFIRM button

Your new passcode is loaded directly into the system. The next time you logon to PCaccess, you must use this new passcode.

Note: To exit the tools section and return to the main menu of PCaccess, press the HOME button.

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Loan Estimator

The Loan Estimator allows you to test loan scenarios for different loan amounts, repayments and terms.

To use the loan estimator:

1. Press the TOOLS button to enter the TOOLS section of PCaccess
2. Select the Loan Estimator option
3. Enter your loan details into the supplied text boxes
4. Press the CALCULATE button

If You change the details and hit the CALCULATE button again, the original calculation results are displayed along side you new results for comparison. Up to three different results can be displayed at one time.

Note: To exit the tools section and return to the main menu of PCaccess, press the HOME button.

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Startup Page

By default, the Account Balances screen is your home page whenever you log into PCaccess, but you can use this feature to select another page to be your default, such as:

Account Balances Transaction History Account Transfers Interest Details

Auto Transfers Payroll Details Batch Transactions Cheque Bill Pay

BPay BPay View SMS Alerts Loan Application

To select a new pcaccess home page:

1. Press the TOOLS button to enter the TOOLS section of PCaccess
2. Select the START UP PAGE option
3. Select from the list, which page you want to be your new home page
4. Press the UPDATE button

Note: To exit the tools section and return to the main menu of PCaccess, press the HOME button.

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Card Activate

If you have received both your card and PIN, you can activate your Redicard or Visa Card by entering the card number and expiry date. Your card will not work until you either complete this online form or return the mailed acknowledgement slip.

To activate a card:

1. Press the TOOLS button to enter the TOOLS section of PCaccess
2. Select the Activate Card option
3. Enter your card number and expiry date into the supplied text boxes
4. Press the ACTIVATE CARD button

Note: To exit the tools section and return to the main menu of PCaccess, press the HOME button.

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Update Your Personal Details

These features allow you to update your member details stored at the Credit Union.

Please take care and ensure any information you enter or modify is accurate and up-to-date, as we rely on this information to contact you during the day to day running of the credit union, or during an emergency.

Note: The details listed on these screens pertain only to the membership you have logged into and will not change details stored under other memberships you may be associated with. Members who have multiple memberships that require updating should contact our Member Response Centre on 1300 361 561.

To change your details:

1. Press the TOOLS button to enter the TOOLS section of PCaccess
2. Select one of the four Details options, eg: Address Details
3. Update your details using the supplied text boxes
   
   
   • When editing Addresses, and multiple addresses exist, select the radio button of the address you wish to update before editing the details.
   
   
   
   • You can hover your mouse over the Question Mark (?) icons to get help on a particular text box.
   
   
   
   • The email addresses stored under the Contact Details section do not affect receipts created by PCaccess transactions. To update the email address used for PCaccess transaction receipts use the User Preferences menu option.
   
   
   
4. Press the SAVE DETAILS button

Note: To exit the tools section and return to the main menu of PCaccess, press the HOME button.

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User Preferences

This feature allows you to customise your options for PCaccess such as Pop ups and e-mail receipts which are defaulted as enabled for every member.

To change your user preferences:

1. Press the TOOLS button to enter the TOOLS section of PCaccess



2. Select the User Preferences option



3. You can modify the e-mail address that your receipts are mailed to using the supplied E-mail text box.
   
   (Multiple email addresses can be entered by separating each email address with a comma,
   eg: email-1@your.isp,email-2@your.isp)



4. Tick or Untick the required boxes:
   
   
   • Pop Up Transactions on Account Balances Page - Toggles on or off the pop up that displays the last ten transactions when your hover your mouse over the blue account numbers on your Account Balances page
   
   
   
   • Internal Transfer - Receive an email receipt when funds are transferred to another account within your membership
   
   
   
   • Credit Union Transfer - Receive an email receipt when funds are transferred to another memberships account within the Credit union
   
   
   
   • External Transfer - Receive an email receipt when funds are moved to another financial institution (EFT)
   
   
   
   • Cheque Payment - Receive an email receipt when any cheque is generated by the Cheque Payment feature
   
   
   
   • BPay Payment - Receive an email receipt when any BPay payment occurs
   
   
   
   • Batch Transactions - Receive an email receipt when any batches are processed
   
   
   
5. The Preferred Debit Account drop-down box allows you to nominate the Default Account that is selected when performing a debit transaction such as a BPay, Funds Transfer, Cheque Payment or Batch Transaction.
   
   Only eligible accounts are displayed and if a preferred debit account is not nominated the default account will be the first eligible account in the list.
   
   If a two to sign account is nominated as the Default Account it will only be applicable to the Batch Processing module. The default account for other transaction areas will be the first eligible account to display.



6. Press the UPDATE button

Note: To exit the tools section and return to the main menu of PCaccess, press the HOME button.