Financial institutions need to be committed to recognising and minimising fraud wherever it occurs. Minimising fraud requires vigilance and diligence in all dealings. It is important for everyone to recognise the possibility of fraud having an impact at some stage. It is equally important to recognise where opportunities for fraud exist and to eliminate these possibilities quickly. Therefore we all need to be proactive in monitoring our accounts and personal details.
What is Gateway doing to minimise the risk?
- Firewalls
- Encryption
- Automatic time outs
- Factor 2 icons
- Incorrect password lock out
- Welcome page displays the last login date and time
What can you do to minimise the risk?
- Never tell anyone your passwords, logins, account details
- Always reconcile statements to ensure all transactions were indeed authorised by you. And if a discrepancy arises to contact the financial institution/company immediately.
- If disposing of bank statements or other materials with private and confidential information ensure that a paper shredder is used
- Change passwords regularly
- Don’t use birth dates or other personal information as your password
- Do not keep logins and passwords together for someone to find
- Destroy expired bank credit and access cards and driver’s licences appropriately
- Install and keep up to date anti-virus, anti-spyware and firewall software on all your personal computers
- Make sure that your computer is scanned regularly for virus and other threats
- Attempt to only conduct financial transactions online using computers you know are secure. Avoid if possible using internet cafes for ANY financial transactions.
- Never let your credit/debit cards out of sight
- Delete emails requesting banking details or money to help the needy
- Exercise extreme care when clicking on a link embedded within the email, even if you know the sender of the email.
- Never provide your banking details via a reply to an email requesting them even if it looks to be legitimate. Financial institutions will never request you do provide such information.
- When online with Gateway Credit Union, always check the address is our official website, www.gatewaycu.com.au.
- Never follow an email link which takes you directly to a logon screen.
- Always check there is a padlock symbol on the login page (where you enter your Member Number and Password). You can click on the padlock to verify you are dealing with Gateway Credit Union.
- Always exit your online banking by clicking 'Logout' button on the left hand side navigation menu.
- Never leave your computer unattended while logged onto Online Banking.
- You should immediately be suspicious of any person, phone call, SMS, email or correspondence asking you to disclose any of your banking details.
You may like to check out the following sites for more information:
1. Gateway advises that you should not rely solely on the information above for protection against fraud. The information provided should only be used as a reference for suggestions to increase your awareness on how you may be able to limit your risk. In no way does the information above guarantee you will not be subject to fraud. It is strongly recommended that users exercise their own skill and care in assessing the accuracy, currency, completeness and relevance of information to their purposes and, if necessary, obtain professional advice appropriate to their circumstances.
2. Gateway Credit Union Ltd is not responsible for any opinions, advice, statements, services or other content of any website that is linked to by this site and is provided by third parties. You access the third party sites and/or use the sites’ products and services solely at your own risk and Gateway Credit Union assumes no liability for any such products and services. The links are provided solely for your convenience and do not indicate, expressly or impliedly, any endorsement, approval, representation or guarantee of accuracy, completeness or usefulness by Gateway Credit Union of the sites or the products or services that are offered by the owners of third party websites.