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These measures include data encryption, firewalls, automatic timeouts and SMS. Therefore, when you do your banking online with us, you can be assured that your banking is safeguarded and protected.
At The Mac your card security goes beyond using a PIN. Both Verified by Visa and Vigil Intelligent Fraud Protection have been implemented to ensure you receive the highest protection.
The Mac’s Visa Debit Cards are all registered for Verified by Visa, a service that ensures your protection whilst shopping with your card. Each time an online purchase is made with a participating merchant, Verified by Visa assesses the transactions level of risk. If there’s out of the ordinary card activity detected (perhaps due to its high dollar value or it's a retailer you've never bought from before) you could be required to confirm some personal details in order to check the transactions authenticity.
Benefits:
The Mac implements the use of Vigil Intelligent Fraud Protection to protect your card 24 hours a day, 7 days a week. This service continuously watches for unfamiliar transactions on your card, suspect transactions like a purchase made in both Camden and London at the same time or unusual spending sprees.
Use The Mac’s Visa Debit Card with confidence. Whether it be over the counter, online or overseas, you can enjoy peace of mind knowing that you’re receiving complete fraud protection and detection services.
While technology has made things easier, nothing will protect you against fraud if you aren’t careful with your personal information. By keeping your personal information safe you can play an important part in protecting your personal financial information and preventing fraud. Listed below are tips to keep your personal information secure.
To access your accounts, you will need your member number and your password. Your password protects your information, they will keep outsiders out if they are kept secret.
Here are a few helpful tips to assist you in choosing and using your Online Banking password.
Only log into Online Banking by using the Online Banking login link on the top right of our website. While booking marking webpages is convenient, it may mean that you are not accessing the most up to date page. Remember to manually type our website address – www.themaccu.com.au – into your Internet browser. Never access Online Banking from a link in an email.
When logging into or using Online Banking, look for the closed padlock symbol at the bottom or top right corner of your web browser. You can double-click the padlock symbol to view the server security certificate details. The certificate informs your browser that the website you are connected to is legitimate.
When using Online Banking the website should begin with https:// Websites that use this are secure sites.
Always completely log out from Online Banking and close the browser session after you have finished or if you leave your computer unattended for a period of time. We recommend that you do not access Online Banking via public computers.
As an additional precaution, our Online Banking system has been set to automatically log out after 5 minutes if your banking session remains unattended.
We recommend you install a firewall to protect your computer from unauthorised access over the Internet - a firewall is a software program that filters all Internet traffic between your computer and the outside world. You can use the firewall to protect your home and business computer from spam, offensive websites and unauthorised logins by potential hackers.
Major firewall providers include:
Spam is all unsolicited electronic email sent out to individuals that have no consented to receive it. You can protect yourself from spam in a number of ways:
Use filters
A filter is a kind of software that sorts incoming emails and rejects emails considered as spam. Spam filters can sometimes block genuine messages, or sometimes fail to identify real spam. You should always manually review the diverted messages to check for any that are genuine.
Protect your email address online
Spammers have two techniques when collecting email addresses online; dictionary attached and harvesting. Both techniques are now outlawed under the Spam Act 2003, but you should still exercise caution.
A dictionary attached occurs where a spammer sends out bulk emails to a large number of possible addresses in the hope of locating a real email recipient.
Harvesting refers to the process where the spammer finds your email address from a publicly available source, eg bulletin boards, signing up to website etc. You can try limit the scope of subsequent communications by ticking a box to indicate that you don’t want to receive any further offers or information.
If you want people to be able to contact you through your website, you can limit the risk of spam by using a dedicated email address (rather than your personal one) or set up an online form for visitors to complete.
Viruses
A computer virus is a program that attaches itself to another program, but changes the action of that program so the virus is able to spread. Anti-virus software is designed to protect your computer again viruses, worms and Trojans. A Trojan is a malicious program disguised as something harmless, such as a game or screen saver. It contains a hidden code that allows the intruder to take control of your computer without your knowledge.
New viruses are constantly appearing and it is important that everyone who uses a computer is aware of proper security practise to protect your computer:
Major antivirus software providers include:
Spyware
Spyware is the collective name given to software that is installed on your computer to secretly obtain information and send it back to another source. Spyware programs can be installed through a virus or as part of another software installation. Spyware can be removed from your computer by:
Virus writers and hackers look for vulnerable areas of software programs to gain unauthorised access to PCs. Publishers of software programs provide updates from time to time to solve vulnerabilities that are discovered in their programs. The publisher will then release a security upgrade to your existing program.
You should check your computers security on a regular basis and download the latest updates when provided, to check for updates and patches you should visit the publishers website – some computers now automatically download and update.
Autocomplete functions remember your personal information and passwords. We recommend you consider disabling the password auto completion function in your web browser. You can also clear any stored passwords through your internet browser. In addition, do not download any computer software that remembers and pre-populates any of your access details required to login to Online Banking.
If you print or save copies of your account records or transactions, make sure that are in a safe location. If you suspect that an unauthorised transaction has occurred please contact us immediately.