Registering for Access to Online Banking

A: There are a number of ways you can register for Online Banking at any time you wish. You can apply online by filling out a simple form or call us on 1300 364 400 8.00am-6.00pm weekdays or email us at info@gcmutual.bank and we will be happy to register you for Online Banking.


 

Passwords

A: The system will require you to change your access code the first time you use Online Banking. We encourage you to set up strong access code between 4-12 characters long, a mix of upper and lower case letters, numbers and other symbols.

 

You can change your access code at any time while logged into your Online Banking service. It is recommended that you frequently change your access code based on your own security. Please read the instructions listed here to change your access code.

A: You must contact us on 1300 364 400 8.00am-6.00pm weekdays and we will issue you a new code after we have performed the appropriate identity checks.

A: Online Banking will allow three login attempts before blocking access to your accounts. Contact your Service Centre or call us on 1300 364 400 during business hours for information about getting your password reset.

A: You will be barred for 24 hours if you enter your access code incorrectly 3 times. After the 24-hour period has passed you will not be able to use your old access code. Please call G&C Mutual Bank on 1300 364 400 to be issued with a new access code.

A: Here are some rules for passwords:

  • Passwords must be at least 4 characters long and no more than 12 characters.
  • They cannot have any blanks, or spaces embedded in them.

A: The account will remain the same and will still require two signatures to process a transaction. These transactions will still not be allowed to be processed within the new Online Banking site.


 

Security

A: We have removed the date of birth field from the login page to make Online Banking more secure. Industry reports suggest that hackers can run automated programs to find user names and passwords until they match, if they have the date of birth with them. Date of birth is easily accessible through social media and through purchase of mailing lists. At G&C Mutual Bank we are committed to your security and privacy online and this is why we have adopted the industry recommendation and have removed DOB as part of the login and to minimise the online security risk for our members.

A: When you login to Online Banking via www.gcmutual.bank, you enter our secure Online Banking environment. Click here to learn more about our Online Security.


 

Open Accounts

A: You now have the convenience to open a range of Savings and everyday accounts and Term Deposits via our new Online Banking service. Please visit our Online Banking guides to read instructions on opening a Saving Account or a Term Deposit.

A: You can fund your newly created Savings Account by the following means:

  1. By transferring funds from your internal or other accounts set up with G&C Mutual Bank.
  2. By transferring funds from your external accounts.
  3. By depositing cash or cheque through a branch.

 

Funds Transfer

A: Funds can be transferred between accounts under the same Membership number and/or to other G&C Mutual Bank accounts.

 

Funds can also be transferred to other Australian financial institutions (conditions apply). You will require the BSB, account number and account name details of the receiving account.

 

The account from which funds are being transferred must be a Savings Account or if you are in advance on your loan account and have registered for Redraw you may transfer funds from your loan account.

 

The funds to be transferred must not be greater than the available balance.

A: We have now made it easier for our members to transfer funds to their internal and external accounts via one location under Online Banking. All transfers whether they are external or internal can be done via the “Transfer Money” button located under the “Payments” tab at the top.

A: You can set up future dated payments to pay bills or transfer fund using Online Banking. Select the appropriate option under “When” on the “Transfer Money” page to future date your payment. You can also choose to nominate single future payment or recurring future payment including the frequency of the payment.

A: Funds are transferred immediately (excluding any future dated payments) within G&C Mutual Bank accounts. Funds transferred to external accounts including BPAY payments can take up to 1-2 working days.

A: By default the daily limit is $10,000 which applies to all payments and transfer to non-G&C Mutual Bank (external) accounts and BPAY Billers. You can increase or decrease this limit by contacting us on 1300 364 400 8.00am-6.00pm weekdays.


 

Personalise Accounts

A: Yes, you now have the flexibility to control the display of accounts on your homepage under “Account Details” table. Visit our “Maintenance” tab at the top and click on “Organise Account” to choose the accounts that you wish to be listed on the homepage and vice versa un-tick the accounts that you do not want to be listed on the homepage.

A: Yes, you can now personalise your savings account names to make them more meaningful to you and better organise your savings. For example you can create separate accounts for holidays, wedding or any other special goal you have in mind. Please read the instructions listed here to personalise your account name. Please note the following characters cannot be used while personalising your accounts:

$ - ) ( : _ + % * ? [ ] > ; = < } ^ { | @ # !.


 

Redraw Facility

A: Redrawing from your loan account is an easy process and can be completed via Online Banking.

 

Select the loan account from which you wish to redraw and then select the appropriate transfer type you would like to do. You can either select transfer or BPAY to process your redraw transaction. Please call us on 1300 364 400 if you are need any assistance in processing your redraw.

A: The fees for performing a Loans Redraw will be directly deducted from the Loan Account.

A: When calculating the amount of redraw you have available, the system retains 1 payment plus the fee for the redraw, instead of just the 1 loan payment previously held.


 

BPAY

A:

  1. Select BPAY option under Payments and follow the on-screen prompts.
  2. Nominate account for funds to be drawn from.
  3. Enter amount to be paid.
  4. Look for the Biller code displayed on your bill and enter this. For your convenience, the next time you pay this bill, the name will appear in the drop-down menu (ONLY IF TEXT ENTERED TO CREATE AS A PERSONAL PAYEE).
  5. Enter the ‘Ref No’ displayed on your bill in the data box called Customer Reference Number. Enter amount to be paid.
  6. Select to either “PAY NOW” or “PAY LATER”. If you wish to make a payment on a future date, click on the ‘PAY LATER’ to bring up a calendar and select the required date. Click on OK TO SAVE NEW FUTURE PAYMENT.
  7. Check the details on the next screen carefully. If correct, write down the Reference Number (or press the Print button in your browser) and click on Yes. Important: you must click on Yes or the transaction will not be processed.

A:

  1. Please check your bill to ensure you have entered the number correctly.
  2. Next ensure you have not entered any spaces between the numbers.
  3. If still invalid, please contact the payee and check the details.

A: This can be checked in the Transaction History function.

A:

  1. This can happen if you did not press ‘Yes’ at the Reference Number screen.
  2. You must have cleared funds in your nominated account for the transfer to be made.
  3. It is to be made on a future date.

 

If you have scheduled a payment to be made in the future, you must ensure there are sufficient funds in your account to cover the payment on the day before the payment is due.

A: Click on the ‘Future Payments’ function. This will display all of the payments you have scheduled to be made in the future, with options to view, or delete them. Please note that future dated payments can only be cancelled up until the day before the payment is due.


 

Fees and Charges

A: No. BPAY and EFT transactions and transfers between accounts are not included in the count towards excess usage. Single transfers using G&C Mutual Bank Online Banking will not incur fees. You may however be charged a fee by the financial institution from or to whom you are transferring funds.


 

Deactivations

A: As a security measure, if the password is entered incorrectly three times, members will have their access deactivated. This is to stop someone trying to guess your password.

 

To be reactivated, members will have to contact G&C Mutual Bank on 1300 364 400 and provide adequate identification to the operator.


 

eStatement Registration

A: You now have a convenience of switching from paper to more secured online statements - eStatements. You can now register for eStatements yourself by visiting the “Online Statements” tab. Follow these simple steps to register for eStatements.


 

Secure Mail

A: You can use “Secure Mail” to send and receive email to and from G&C Mutual Bank without having to leave your Online Banking. From time to time, we will use this service to notify you of system upgrades or important information relating to Online Banking. You can also use this service to email us and one of our staff will respond to your enquiry as soon as possible.


 

Browser Requirements

Microsoft Internet Explorer, Netscape Navigator or Mozilla Firefox should be used to access the Online Banking service. Full production release versions of these products must be used - never use beta versions.

 

The minimum version numbers of these browsers that you should use to access the Online Banking service are Internet Explorer 5.01 and later, Netscape v6.2 and later, or Firefox 1.0.4 or later. Do not use lower versions of the browsers than those stated. Amongst other things, they may not be able to implement 128-bit encryption successfully.

 

Always use the 128-bit encryption version of these browsers. Take care when downloading them, as the version number may be the same for both the strong and weak encryption versions of these browsers.

 

Use your browser's Help function if you are unsure of your browser's current version number or whether your version supports 128-bit encryption outside the United States of America. Microsoft Internet Explorer, Netscape Navigator or Mozilla Firefox should be used to access the Online Banking service. Full production release versions of these products must be used - never use beta versions.

 

The minimum version numbers of these browsers that you should use to access the Online Banking service are Internet Explorer 5.01 and later, Netscape v6.2 and later, or Firefox 1.0.4 or later. Do not use lower versions of the browsers than those stated. Amongst other things, they may not be able to implement 128-bit encryption successfully.

 

Always use the 128-bit encryption version of these browsers. Take care when downloading them, as the version number may be the same for both the strong and weak encryption versions of these browsers.

 

Use your browser's Help function if you are unsure of your browser's current version number or whether your version supports 128-bit encryption outside the United States of America.


 

Technical Support Questions

A: Members will require as a minimum the following:

  • Windows 98 or higher version
  • Internet Explorer version 5.5 or greater, Netscape Navigator version 7.0 or greater, Opera 8.0, Mozilla Firefox 1.0, Mozilla 1.4. Mac users require Safari 1.0, Camino 0.8.2, Omni web 4
  • 28-bit Cipher Strength encryption
  • JavaScript/Active Scripting enabled
  • 800 x 600 screen resolution
  • Ad-blocking firewall settings or software to be disabled
  • Pop-ups enabled.

A: Our Online Banking uses JavaScript and therefore requires JavaScript to be enabled.

 

To use Online Banking your browser must be instructed to accept cookies. Your browser may be set to do this already, in which case you may be unaware that cookies are being exchanged between our computers. If not, you will probably receive messages from your browser asking whether you want to accept cookies.

 

At the end of your session our application always removes any cookies we have placed on your PC. Be assured we do not use cookies for any purpose other than to monitor the status and integrity of your current session.

A: Your pop up blocker must have been enabled which is preventing you to go to the Online Banking login page. There are a number of pop-up blockers that you may have on your system. Internet Explorer has a built in pop-up blocker which can be accessible from the “Tools” menu. If you choose to leave it enabled, add gcmutualbank.com.au to your exception list.

 

You may also have a firewall blocking access to the page. If this is the case you will have to contact your software vendor for assistance.


 

Errors

 

Problems connecting to online banking are generally due to your Internet Browser settings not being quite compatible with our secure site. The following messages show the most common errors and their solutions.

A: This can be remedied by altering the browser settings.

 

Click on Tools, then Internet Options. On the General tab, in the middle section ‘Temporary Internet files’, click on Settings. Alter ‘Check for newer versions of stored pages’ to the option – Every visit to the page. Click on OK, and OK.

A: You are entering the wrong password. If you enter this incorrectly three times, you will get a notice warning that you will be deactivated if you try again. Please call G&C Mutual Bank Direct on 1300 364 400 before you try again.

A: This indicates congestion between your computer and our secure data center and is usually cleared within a few minutes or so. Please leave for a few minutes and try again.

A: Your browser not accepting ‘cookies’ causes this. Internet Explorer 6 users, please check in Internet Options on the Privacy tab that this setting is either Medium or Medium High.

A: your browser not clearing the 'cookies' from a previous session causes this. See the Cookies section for more information. Internet Explorer 6 users, ensure that you have the latest security updates for your browser, available from Tools, Windows Update.

 

If you continue to have login problems, please check that you have the latest updates for your Internet browser and Operating System (Windows). These updates are recommended for your continued security and can be downloaded through Windows Update. Click on Start, Windows Update or open Internet Explorer and select Tools, Windows Update.

 

Alternately, you may wish to use an alternate Internet browser such as Netscape or FireFox.

 

If you are unsure of how to do this, please contact your PC maintenance service or the dealer from whom you purchased the PC.