Security Guidelines

Your trust is of utmost importance to us and we take your security and privacy very seriously.

Learn about the security measures that we put into place, and simple steps you can take to protect your finances every day, whenever/wherever you are online.

Your Gateway Bank Membership Number, Member login, Personal Identification Number (PIN), Password and Secure SMS codes are the keys to securely accessing your accounts digitally. The security of these access methods is therefore critical. To help prevent misuse of your access details, we have the following security guidelines in place.

Gateway website is secured by an SSL Certificate. The SSL Certificate provides privacy, critical security and data integrity for your personal information. This means that any data you enter from your computer to our website is secure.

To help protect your PIN/Password you must take the following steps to guard against its unauthorised use:

  • We strongly recommend you change your online banking password as soon as you receive your temporary PIN/Password. You should also change your Password/PIN regularly.
  • Your PIN/Password must not relate to any readily accessible data, such as your name, date of birth, telephone number or name of a relative. Nor should it be an obvious combination of letters and numbers or one that can be easily guessed by someone else.
  • Take care to keep your PIN/Password secret, secure and protected. Do not disclose your PIN/Password to anyone, including a family member or a friend.
  • Take care to prevent anyone from seeing you enter your PIN/Password and check your Gateway account statements regularly.
  • Do not write or indicate your PIN/Password, unless it is disguised. If you do record it, you are responsible for keeping your PIN/Password secure and protected. We recommend you try to commit your PIN/Password to memory.
  • If you believe that another person knows your PIN/Password, immediately change it and report the matter to us.

Secure SMS (Short Message Service) is a security measure for Online Banking which uses SMS to send a code via your mobile phone number or as a text to voice message on your landline number. You will be requested to enter an SMS authentication code for certain transactions and functions. You will be prompted to register for Secure SMS when you first attempt to perform such a transaction or function in Online Banking.

If you or any authorised user/s record your PIN or Password, you must make a reasonable attempt to disguise it.

 

It is NOT a reasonable attempt to disguise a PIN or Password if you record it:

  • In reverse order
  • As a telephone number where no other numbers are recorded
  • Among other numbers or letters with any of them marked to indicate the PIN or Password
  • Disguised as a date (including your birth date) or as an amount
  • In an easily understood code.

Gateway Bank takes the protection of your information and transaction data very seriously. However, electronic access security is a partnership between Gateway Bank (as the provider of electronic access) and you (as the user of these services). To enjoy the convenience of safe account access, it’s important that you keep informed, remain diligent and protect your account information.

Technology cannot automatically protect you against all fraud and security risks. Therefore, it is important you keep informed by learning about the types of electronic access security issues you may encounter and understand the range of security and communication practices Gateway has adopted.

 

Online Banking, our internet banking service, provides users with the following security:

  • Firewalls
  • Encryption
  • Automatic Time-outs
  • Secure SMS Code Authentication
  • Incorrect Password Access Lock
  • Last Login Time Check

 

Access to Telephone Banking, is protected by the requirement of a PIN. To safeguard your personal information, the following communication practices have been adopted. Gateway will never:

  • Ask for your Online Banking login details or Telephone Banking PIN via phone or email.
  • Send you a link to Online Banking via email.
  • Request that your Online Banking or Telephone Banking Password/PIN be communicated to us in any form.

 

Any changes to our web address will only ever be communicated via our authorised website or other formal means. Furthermore, we will ensure we are always compliant with all electronic access communication legislation and relevant codes of practice. In particular, we will abide by the requirements of the Spam Act 2003 and will ensure that:

  • We secure your consent to receiving any commercial electronic messages.
  • Our emails to you contain clear and accurate identification of who is responsible for sending the message, and how they can be contacted.
  • Marketing emails to you contain an unsubscribe facility, allowing you to indicate that such messages should not be sent to you in the future.

You and any other user must take reasonable care to ensure that access methods and any record of access methods are not misused, lost or stolen. We strongly recommend you change your PIN/Password regularly and protect your personal information.

The internet is increasingly being exploited for frauds that sometimes look surprisingly genuine. A number of customers from other financial institutions have been targeted with hoax emails leading to a false website. These fraudulent emails usually ask you to send your account details, and sometimes your PIN, either by return email or through a website. Various tricks are used to lower your guard, such as ‘security and maintenance upgrades’ or ‘investigation of irregularities’.

 

Under no circumstance would Gateway Bank ask a Member to disclose their PIN/Password by any means including email or telephone. We will not make unsolicited requests for this type of Member information.

  • Always login directly from the homepage of www.gatewaybank.com.au
  • Never access Online Banking within an email link and disregard emails that request you to do this.
  • Delete suspicious emails without opening them. Avoid opening dubious attachments, even if the email seems to come from someone you trust and never click on any hyperlink in an email.
  • Change your PIN and/or Password regularly, and protect your personal information.
  • Avoid using computers in public places or using public wifi to undertake any Online Banking functions. Check that nobody is looking over your shoulder and keep private information out of chat rooms or email.
  • Keep your computer secure by installing effective virus programs and firewall protection. Don’t leave your computer while you are logged on to Online Banking, and always remember to logout from Online Banking.
  • If you have any concerns about your account, contact Member Services on 1300 302 474.