Gateway Credit Union

You may submit an application for assessment, but you will need to become a Member of Gateway Credit Union before a loan is funded.

A fixed interest rate home loan

• locks in the interest rate for the term that you choose and will then revert to the standard variable rate after the fixed term expires.
• provides you with the comfort of knowing how much your repayments will be regardless of what interest rates do
• is not as flexible as variable rate home loans e.g. fees may apply if you want to break your fixed rate period or discharge your loan early and you may not be able to access extra repayments you make.

A variable interest rate home loan

• is based on many factors and interest rates may fluctuate.
• provides flexibility with the benefit of not being locked in thereby allowing interest rate reductions to be applied.

A split loan

• can take advantage of both a fixed and variable interest rate. This gives you a greater certainty of repayments plus the added flexibility of a variable rate home loan.

Check out our 5 Steps to a Home Loan or 3 Steps to Car Loan or 3 Steps to a Personal Loan 

Apply online at www.firsthome.gov.au or apply in person at any Office of State Revenue.

Contact us online or call 1300 302 474.

You can borrow up to 80% of the value of your property or up to 95% of the value of your property with Lenders Mortgage Insurance.  To get an indication check out our calculators.

Check out our interest rates.

You need to have at least 5% of the value of the property.

With many lenders, the annual interest rate applicable to your home loan is just part of the cost. A comparison rate not only factors in the annual interest rate (including honeymoon rates) but also all ascertainable ongoing, up-front and other fees. The comparison rate gives you an idea of the costs for a particular loan so you can compare your home loan with others.

A valuation is a professional assessment of how much a property is worth.

Lenders Mortgage Insurance (LMI) protects the lender in the event of the borrower defaulting on their home loan. If the property is sold and the amount from the sale is not sufficient to repay the loan in full, the LMI insurer will make a payment to the lender to cover the shortfall. The borrower remains liable for any amount owing under the contract even if the LMI insurer has paid the shortfall to the lender.

Upon receipt of correctly completed original, signed offer and loan documentation.

Payments received by Gateway for repaid loans will be automatically credited to your Everyday Savings account. If you have a Direct Credit to your account from another institution you will need to contact them directly to cancel the authority.

In order for your loan repayments to be accurate you may need to take action.  Check out our information on interest rate cuts.

We encourage you in times of genuine financial hardship to contact us immediately on 1300 302 474 to discuss your situation.

Yes, Gateway's deposits up to $1 million are guaranteed.

• Gateway Credit Union Direct Debit: You can complete one of our Direct Debit forms and we will debit your account at any financial institution on your behalf.  A Direct Debit can be established for once off transfers or regular ongoing deposits.
  
• Payroll Credit:  Gateway Credit Union accepts direct credit from any employer, for a regular payroll deduction to Gateway contact your pay supplier.  All you need to use is our BSB 802-816, your Account number and your Account Name.
  
• Gateway Credit Union Branch:  You can deposit cash and cheques at our branch in person or Mail cheques to our mailing address.
  
• International Money Transfer:  Transferring funds to us from a bank outside of Australia.  Use BSB 062-000 Account number 00050066, your membership number as the reference and your name.  Gateways IMT Swift Code is CTBAAU2S
  
• Use your Visa Debit Card to make a deposit at any Australia Post outlet displaying the Bank@Post sign.  Fees & Charges may apply.
  
• Commonwealth Bank Branch: You are able to deposit funds via any Commonwealth Bank Branch in Australia using an encoded deposit book provided by Gateway, to obtain a deposit book call us on 1300 302 474 or contact us online.
  
• Via all other financial institutions: Use our BSB 802-816, your Account number and your Account Name.

Bank@Post is provided by Australia Post.  It enables you to be able to make withdrawals, deposits and/or pay your credit card bills over the counter at any Australia Post outlet displaying the Bank@Post sign.  Fees & Charges may apply.

Visa Debit Cards are now available to access your Everyday Savings Account or 100% Loan Offset Account.  You may also transfer funds using Online Banking, Direct Debit or CUE Call.  We can also send a cheque on request.

BPAY is available through Online Banking and CUE Call.

CUE Call is available 24/7 by calling 1300 302 474.

Call us on 1300 302 474.

You will need to provide a written request with 7 days notice.  Gateway then may agree to repay part or all of your deposit before the term has ended.  If so, interest will be paid on the amount you withdraw at a reduced rate from the date of deposit to the day prior to withdrawal.  The applicable interest rate will be the rate at the time of lodgment less a penalty of 2.00% p.a.  Other Terms and Conditions apply.

Funds should be available the next business day but may take up to 2 business days depending on the time funds were transferred.

A Telegraphic Transfer (often abbreviated to TT) is an electronic transfer of funds to an overseas account at another financial institution.

Complete the Telegraphic Transfer or Bank Draft Application form.

Please refer to our Fees and Charges brochure

To send a Telegraphic Transfer, you will need to provide the payee’s name, street address, account number and the payee’s bank details (including full branch address or the SWIFT BIC code).
For payments to Europe and the UK, you must also provide an International Bank Account Number (IBAN).
Important note: The Telegraphic Transfer details must be clearly communicated and 100% accurate. Any errors may increase the time taken for your payee to receive funds.

A bank draft is simply a cheque issued in a foreign currency.
Because it’s a cheque, it can only be deposited into the account of the person the draft is made payable to, making it safe and secure.

A SWIFT (or BIC) is the unique identification code of a particular bank. SWIFT codes are used when transferring money between banks for Telegraphic Transfers.
Bank Identifier Codes (BIC) are commonly known as SWIFT codes.

The Payee’s bank can provide the appropriate SWIFT code in order to enable a Telegraphic Transfer to reach the overseas account. Alternatively, SWIFT / Bank Identifier Codes can be looked up on the SWIFT website www.swift.com.

A merchant is a business whom you purchase goods and/or services from.

The Gateway Visa Debit Card is an access card that enables you to use your own money to make purchases online, overseas, over the phone and with a merchant wherever VISA is accepted, as well as access to cash via ATMs and EFTPOS.

Our Visa Debit Card uses funds within your account whereas Visa Credit Cards offered by other financial institutions provide you with a credit limit which can be used and paid for at a later date.

A chip card is a debit card with an embedded microchip. The microchip appears as a golden square on the left hand side of the card. The chip securely stores your card details just like the magnetic strip on the back of the current debit card.

The Gateway Visa Debit Card enables you to access your own money anytime, via ATMs and EFTPOS. You can make purchases and pay bills online, over the phone and wherever VISA merchant is accepted in Australia and worldwide.

Your Visa Debit Card can only be linked to an Everyday Savings Account or a 100% Loan Offset Account.

If you are an existing Member (with an Everyday Savings Account or a 100% Loan Offset Account) you may complete and return to us a Visa Debit Card Application form.

If you would like to become a Member, you will be required to complete our Membership process along with a Savings Account Application form.

Both your new card and PIN will arrive separately at your postal address within 5 – 10 business days.

There are four different ways to activate your Visa Debit Card

Option 1: Activation Slip
You can choose to complete and sign the activation slip received with the New Card.

Option 2:  Online
Simply login to Online Banking, select “Activate your card" option, enter your Factor 2 Icons and then your Card Number and Expiry Date. Once this has been completed your card will be activated immediately.  If you do not have access to Online Banking call us on 1300 302 474 to register.

Option 3: CUE Call
Simply call 1300 302 474 and choose the CUE Call option, enter your Member number, access code and then choose the card activation option.  You will then be required to input your Card Number and Expiry Date. Once this has been completed your card will be activated immediately. If you do not have access to CUE Call you may register by calling us on 1300 302 474.

Option 4: Call Gateway
Simply call 1300 302 474 and talk to a Gateway Member consultant if you nominated to activate your card over the phone when you applied for the card.  You will be asked to provide your previously nominated Activation Password before our Member Consultant can activate your card.  

Your can use your new Visa chip card by swiping your card then signing the generated receipt or entering your PIN to authorise the transaction,

As merchants across Australia update their payment terminals to chip processing technology, there will be slight differences to the way your payment is processed.  In th future: 1. Your card will be inserted into the payment terminal 2. The card will remain in the payment terminal during the length of the transaction 3. You will be required to either enter your PIN, or sign the generated receipt to authorise the transaction.

The card will be removed once the transaction is completed.

A PIN change option is available from our branch.

If you are unable to visit our branch to change your PIN simply contact Gateway on 1300 302 474 and we can arrange a new card and PIN to be issued to you.

The Gateway Visa Debit Card is accepted at all ATMs that accept Visa.  However to minimise fees charged to you by third parties we recommend that you use the rediATM, Cashcard and NAB networks primarily. 

You can find rediATM locations by visiting the following website - www.rediatm.com.au.  However the following list can be used for Sydney CBD:

• 83 York St, SYDNEY NSW 2000
• Metcentre 273 George St, SYDNEY NSW 2000
• AMP Plaza Lower Ground Floor 50 Bridge St, SYDNEY NSW 2000
• 1 Margaret St, SYDNEY NSW 2000
• Circular Quay Alfred St, SYDNEY NSW 2000
• 230 Clarence St, SYDNEY NSW 2000
• Water Board Building Lobby Pitt St, SYDNEY NSW 2000
• Town Hall Square 464-480 Kent St, SYDNEY NSW 2000

You can find Cashcard ATM locations by visiting the following website – www.feesmartnetwork.com.au.

Gateway encourages you to use the Credit (CR) option whenever available.  When withdrawing from an ATM if you are unable to select the Credit option then the next best option is Savings (SAV).

If taking cash out while making a purchase via EFTPOS the Savings (SAV) option must be selected and a PIN entered.

A monthly access fee of $5 per month applies to the Visa Debit Card.  This fee will be charged to your linked Everyday Savings account on the 1st of every month.  This access fee is in place to recover fees charged to Gateway.  All relevant fees are outlined in our Fees & Charges brochure.  This fee will be waived if you have a Gateway Home Loan.

Gateway charges $5 a month to access your money over the largest ATM Network in Australia using the rediATM, Cashcard and NAB networks.  This fee will be waived if you have a Gateway Home Loan. Other network and overseas use will accompany fees & charges.

ATM direct charging means that if you use another bank's ATMs or in our case non rediATMs or Cashcard ATMs or NAB ATMs you will be charged directly by that bank, rather than by Gateway. For example if you use Commonwealth Bank ATM, then CBA will charge you for using their ATM at the point of transaction.

Unlimited Fee Free transactions (no direct charging) are available at all rediATMs, Cashcard and NAB ATMs with Gateway’s Visa Debit Card.  By using these three networks you will avoid direct charging.

The daily cash withdrawal limit is set at $1,000 per day.

The daily limit is $1,000, however if you use the credit (CR) option the limit is the funds available in your account.

Gateway will consider a temporary or permanent increase or decrease to the daily cash withdrawal limit upon your request.  Call us on 1300 302 474.

Yes, you can use your Visa Debit Card overseas at ATMs or EFTPOS terminals wherever VISA is accepted. The microchip embedded in your card ensures secure transactions and enhanced fraud protection while you are overseas. Gateway recommends that you advise us if you are intending on travelling overseas and using your card. Overseas transaction fees will apply.

Yes, your Visa Debit Card can be used to pay bills wherever Visa is accepted.

From 15 April 2010, the Woolworths group ceased to accept payments through the Visa Debit and MasterCard networks.  Accordingly, when shopping at a Woolworths store, instead of selecting the credit button you select the 'savings' or 'cheque' button to access your funds.

The Woolworths group includes BIG W, Woolworths Supermarkets, Safeway Supermarkets, Woolworths Liquor, Safeway Liquor, BWS, Dan Murphy's, Dick Smith, Tandy, Woolworths petrol outlets, Thomas Dux and ALH bottle shops.

Call us on 1300 302 474 or complete and return to us our Replacement Visa Debit Card form. A replacement card will be posted to you within 7 – 10 business days. Fees & Charges apply.

Call us on 1300 302 474 to speak to a Member Consultant (Mon – Fri, 8am -5pm (EST) excluding public holidays), if after hours choose the option to report your card lost/stolen. Alternatively, call the Visa Hotline on 1800 224 004.  During Gateway business hours you may request a new card and PIN to be issued, which will take 7 – 10 business days before you receive it.  Fees & Charges apply.  Where a police report is provided the subsequent replacement card fee may be avoided.

Contact Gateway Credit Union immediately on 1300 302 474 or complete our Disputed Transaction form.

Contact Gateway Credit Union immediately on 1300 302 474.

Once Gateway receives your request to cancel your Visa Debit Card and/or close your linked account your card will be cancelled immediately.  However, your Everyday Savings Account/100% Loan Offset Account will need to remain open for 45 days allowing time for any unprocessed Visa transactions to come through.

You are able to change the Everyday Savings Account/100% Loan Offset Account your Visa Debit Card is linked to by providing a signed written request.  However, if you require a new Everyday Savings Account to be opened you will also need to complete the Savings Account Application form along with your request.

If you have a joint Everyday Savings Account/100% Loan Offset Account you and your partner may have a Visa Debit Card each linked to that account.  However, if you also have an individual Everyday Savings Account/100% Loan Offset Account you can not have another Visa Debit Card for that account.  Each Member may only have one Visa Debit Card linked to one Everyday Savings Account/100% Loan Offset Account of their choice.

You will have to contact the merchant, you may need to provide proof of purchase before the hold is removed.

American Express Travellers Cheques are a safe and easy way to protect your money when you're travelling around the world.

A bank draft is available in a wide range of currencies - including Australian dollars. A bank draft in the destination country’s currency may avoid additional exchange rate fees or delays at the other end.

Through American Express Foreign Exchange, Gateway is able to offer you 6 different currencies in travellers cheques and over 60 different currencies in foreign cash.

Simply follow these simple steps to help protect your Travellers Cheques:

• sign your Cheques as soon as you receive them
• retain a record of the serial numbers on your cheques and keep this separate from your cheques
• keep your cheques in a safe place
  

A minimum of A$250 and a maximum of A$10,000.

After you place your order online and select your preferred American Express Foreign Exchange office for collection, you will be given a collection date. If you place your order and we receive your payment via BPAY® by 4pm EST you will be able to collect your order within 48 hours. If your payment is received after this time please add an extra business day to your collection date.

From any American Express Foreign Exchange office.  You can nominate your preferred office location online.

Yes. You will be required to bring your online order reference number that you receive when your order is confirmed as well as the following form/s of identification (ID):
For orders under A$2,000:

• A valid form of government issued photo ID e.g. Drivers Licence or Passport.

For orders over A$2,000:

• Two forms of ID: (i) Primary ID - needs to be government issued with a photo including signature e.g. Drivers licence or passport and (ii) Secondary ID - with a signature - a credit card or bank key card.

No. American Express will not issue your order to a third party under any circumstances.

Yes if the order has not already been sent to your nominated American Express Foreign Exchange office. Please email aewcs@aexp.com or call 1300 133 289 to find out if your order has been sent. However, if the order has already been sent to your nominated American Express Foreign Exchange office, you will not be able to change the pick up location.

The Telegraphic Transfer should reach the Payee’s bank within three business days. It may take longer for the Payee’s bank to transfer the money into the Payee’s bank account.
Gateway is unable to guarantee this timeframe as there may be delays due to circumstances beyond Gateway’s control, including public/bank holidays.

They don’t, so you can save unused Travellers Cheques for your next trip.

Yes. An order can be cancelled at any time before collection. However, your cash and/or travellers cheques order will be repurchased at the current buy rate of the day which may result in a foreign exchange loss. For all cancellations please contact Gateway Credit Union on 1300 302 474 with your online reference number.

Yes. If you need to change your order please contact Gateway Credit Union on 1300 302 474. Changes may also impact your collection date.

Unlike cash, lost or stolen American Express Travellers Cheques can be replaced by contacting an American Express office at your location.

Whilst upgrading the look and feel of the internet banking site we have made the following changes:

• You now have to enter Factor 2 Icons after your Member Number and password for additional security. [8/9/09]
  
• Secure SMS codes will be required for changes to your address and contact details along with some transfers to other institutions [8/9/09] 
  
• You are able to apply for a home, car or personal loan within Online Banking by selecting “Apply for a Loan” on the left hand side navigation in the “Home” section [17/8/09]
• Activate your card button is now available on the left hand side navigation menu, if you apply for a Visa Debit Card [25/5/09]
  
• A log out tab is now available on the left hand side navigation menus on all pages of the site [5/6/08] 
  
• After logging out you now have the option to go to the Gateway website or to close Online Banking completely [5/6/08] 
  
• A home tab is now available with a welcome message which provides you with the last date and time you accessed online banking for additional security [5/6/08] 
  
• Under "Your Details" you can now amend your address, contact and employment details to ensure your information is always up to date [24/6/08]  To change details in this section you will be required to enter a Secure SMS code for additional security (if you have not already registered for Secure SMS visit the “Home” page and select “Secure SMS” on the left hand side navigation menu. [8/9/09]
  
• Under “User Preferences” there are two preferences Pop Up Transactions and Email Receipts for your convenience [21/8/08]. 
  User preferences explained -
  • Pop Up Transactions - when viewing your “Balances” or “Accounts” if you hover over an account number the last ten transactions will pop up in a table. 
  • Email Receipts - you may opt to receive email receipts when you make one or all of the following transactions; internal/external transfers and BPAY payments for increased security.

To enable access to our Online Banking site, several security requirements may need to be configured through the web browser. A valid Member number and password are also required to access the Online Banking site.  Along with 128-bit encryption to protect your details, we also use the Factor 2 Personal Icons security system to protect funds being transferred out of your accounts.

Simply select Online Banking login just above the image on the home page of our website.  Enter your Member Number and password.  If you are accessing Online Banking for the first time you will be asked to create a new password.

Call us on 1300 302 474 or contact us online.

You are not able to transfer funds to other accounts directly from a Personal Line of Credit using Online Banking or CUE Call. However, you are able to transfer funds to your everyday savings account and then make the required payments. We apologise for any inconvenience this may cause.

In addition to the entry of a Member Number and password to access Online Banking, you are also required to enter a secondary passcode known as Factor 2 Icons.
 
You should update your password and Factor 2 Icons regularly. To change your password or Factor 2 Icons, log into Online Banking and select “Your Details” then click on either “Change My Password” or “Change Factor 2 Icons”.

24/7 whenever you have access to the web at www.gatewaycu.com.au.

Click on Payment and Transfers. Select BPAY from the list on the left hand side.

On the homepage above the main picture you will find two green tabs.  Select the one on the far right “Online Banking Login” this will take you to our Online Banking.

There are several factors that may prevent you from accessing the Online Banking site, they include:
1. ‘Cookies’ are not enabled
Cookies must be enabled.  A ‘cookie’ must be saved on your computer during the first access to the site, therefore the browser’s security options must have cookies enabled. (For more details look in FAQ under Technical Support "What is a cookie?")
2. Bookmarked Online Banking page
If you have bookmarked the Online Banking site as a favourite you will not be able to access the site. You should delete the bookmark as well as your temporary internet files.
3. Browser may not support 128bit encryption
The best way to ensure that you are using 128bit encryption is to use the latest version of the web browser of your choice.
4. An old version of ‘Microsoft Java Virtual Machine’

As Java script is used in the banking application, the following settings must also be applied: Java Permission has to be 'High Safety' and the scripting of Java applets needs to be 'Enabled'. The latest version should be installed and is available from here.

Help for Apple Mac users
Gateway Credit Union’s Online Banking will work in the Apple Macintosh environment. However, security settings and specifically those relating to Java and cookies may impact transaction performance. In most cases this will only impact on external transactions including BPay and external transfers.

For a MAC user using Internet Explorer
Microsoft stopped supporting Internet Explorer for MAC in 2003, so we are unable to provide ongoing support however, we would recommend using either Safari (version 2 or later) or Firefox for MAC.

For a MAC user using Safari
If you are unable to perform transactions or see some menu options, this is caused by security settings on Safari blocking some functions in our site.
The correct settings are as follows:
   1.  From the Safari menu, select Preferences
   2.  In the top pane, select Security
   3.  Next to Web Content, make sure the Enable Java checkbox is selected
   4.  Next to Web Content, make sure the Enable Javascript checkbox is selected
   5.  Next to Accept Cookies, select either Always
   6.  Close the pop-up window

For a MAC user using Firefox
If you are unable to perform transactions or see some menu options, this is caused by security settings on Firefox blocking some functions in our site.
The correct settings are as follows:
   1.  From the Tools menu, select Options
   2.  In the left-hand pane, click Web Features
   3.  Make sure the Enable Javascript checkbox is selected
   4.  Click the Advanced button
   5.  Make sure the following checkboxes are selected, if shown: 
                         Move or resize existing windows 
                         Hide the status bar
                         Change the status bar text
                         Change images
   6.  Click OK, then click OK again
   7.  From the Tools menu, select Options In the left-hand pane, click Privacy Select Enable cookies
   8.  Click OK.

A password is required to assist in maintaining your Online Banking security and privacy.

Once access to our on-line banking site has been selected, a valid Member Number and password must be entered to gain access. The password is assigned by the Credit Union and given to you when you register. The password is ‘case sensitive’. It is provided in lower case and must be entered in the same manner. Either the ‘TAB’ key or the mouse is used to move between the Member number and password field. If the ‘ENTER’ key is pressed in the Member number field the screen will simply refresh.

The time that is displayed in Online Banking is Australian Central Standard Time (ACST), as it is hosted in South Australia.  We apologise for any inconvenience caused.

To register for Gateway e-statements you need to have session cookies enabled within your browser.  If they are not you will not be prompted to login again.

Yes it does.  With the introduction of Secure SMS, when using Online Banking, you will now be required to enter your Factor 2 Icons immediately after entering your Member Number and Password.  Secure SMS is being added as an additional layer of security for Online Banking.

First, you must change your phone number under “Contact Details” in the “Your Details” tab where a Secure SMS code will be requested to confirm your change.  The Secure SMS code will be sent to the phone number you originally registered. 

Then go to the “Secure SMS” section under the “Home” tab and select “Update my Details” from the drop down box and then the phone number.  You will have to enter another Secure SMS code to verify the change.

Please note: Secure SMS will not work if you enter the primary number for a business.  You must enter the direct number of your direct work telephone.  The number entered for Business Phone Extension is not used by Secure SMS.

You are only able to register in Online Banking. Gateway must already have details of either your mobile number or a landline number. 

1.  Simply log into Online Banking and then enter your Factor 2 Icons.

2.  From the Home page, select from the left hand side menu “Secure SMS” to register. 

3.  Remember to select a mobile/landline number that you have immediate access to as this is where the registration code will be sent.

Once registered, you are able to select another phone number provided it is already recorded on your account.

If you have not provided us with a mobile or landline number, or if you experience problems with registration, please contact us on 1300 302 474 (Mon to Fri, 8am – 5pm EST).

When you perform a transaction within Online Banking that requires authentication, you will be prompted to verify the transaction by the entry of a Secure SMS code.  This code will be sent to your registered mobile or landline number.

Only one code will be required during an Online Banking session.  You won’t be required to obtain further codes in the same banking session. 

Each transaction performed after the entry of the Secure SMS code will be flagged as validated in your saved favourites.  Going forward, you will not be required to enter a Secure SMS code if you perform transactions for any Validated Saved Favourite.

In addition to the entry of a Member Number and password to access Online Banking, you are also required to enter a secondary passcode known as Factor 2 Icons.
 
You should update your password and Factor 2 Icons regularly. To change your password or Factor 2 Icons, log into Online Banking and select “Your Details” then click on either “Change My Password” or “Change Factor 2 Icons”.

This is an Online Banking security measure.  It requires the correct entry of three icons that you chose when you first setup Online Banking.  You should update your Factor 2 icons regularly.  To change them within Online Banking, select “Your Details” then click on “Change Factor 2 Icons”.

As the registration process results in a code being sent to either a mobile number or a landline number that you have immediate access to, you will need to contact Gateway Credit Union on 1300 302 474 (Mon to Fri, 8am – 5pm EST) to provide the correct information.

If you do not register for Secure SMS by 8 December 2009, being 3 months after the introduction of Secure SMS, your Online Banking daily transaction limits for BPAY® payments and transferring funds will reduce to $1000.  Limits are subject to change.  Current Online Banking standard daily transaction limits are: $5,000 for transfers and $20,000 for BPAY payments.

If you are not registered for Factor 2 Icons, you will be prompted to select your Factor 2 Icons the first time you use Online Banking after we introduce Secure SMS.

If you have forgotten what your Factor 2 Icons are, you will need to contact us on 1300 302 474 (Mon to Fri, 8am – 5pm EST).

You will not be able to use Online Banking until you enter your Factor 2 Icons.

Gateway’s CUE Call (telephone banking system) is still available for the payment of BPAY transactions and external transfer to pre nominated accounts.

Funds can be obtained from your Everyday Savings account with a Gateway Visa Debit Card which can be used worldwide at any ATM that displays the Visa logo.

If you are travelling overseas and would like to use CUE Call, you can do so by calling +61 2 9312 9700.  This is not a free call.

Gateway will process transactions based on a written request from the Member that must contain full details of the requested transaction and the signature of the Member.

We also suggest that before travelling within Australia or overseas you consider setting up future dated payments in Online Banking for your regular payments.

When we introduced Secure SMS, all saved destinations (favourites) for external transfers and BPAY Payees (favourites) were noted as being “Non Validated”. 

These favourites will be “Validated” once a transaction that requires a Secure SMS code is performed.  Once the favourite is noted as “Validated” future transactions to a Validated Saved Favourite will not require the entry of a Secure SMS code.

Whilst upgrading the look and feel of the internet banking site we have made the following changes:

• You now have to enter Factor 2 Icons after your Member Number and password for additional security. [8/9/09]
  
• Secure SMS codes will be required for changes to your address and contact details along with some transfers to other institutions [8/9/09] 
  
• You are able to apply for a home, car or personal loan within Online Banking by selecting “Apply for a Loan” on the left hand side navigation in the “Home” section [17/8/09]
• Activate your card button is now available on the left hand side navigation menu, if you apply for a Visa Debit Card [25/5/09]
  
• A log out tab is now available on the left hand side navigation menus on all pages of the site [5/6/08] 
  
• After logging out you now have the option to go to the Gateway website or to close Online Banking completely [5/6/08] 
  
• A home tab is now available with a welcome message which provides you with the last date and time you accessed online banking for additional security [5/6/08] 
  
• Under "Your Details" you can now amend your address, contact and employment details to ensure your information is always up to date [24/6/08]  To change details in this section you will be required to enter a Secure SMS code for additional security (if you have not already registered for Secure SMS visit the “Home” page and select “Secure SMS” on the left hand side navigation menu. [8/9/09]
  
• Under “User Preferences” there are two preferences Pop Up Transactions and Email Receipts for your convenience [21/8/08]. 
  User preferences explained -
  • Pop Up Transactions - when viewing your “Balances” or “Accounts” if you hover over an account number the last ten transactions will pop up in a table. 
  • Email Receipts - you may opt to receive email receipts when you make one or all of the following transactions; internal/external transfers and BPAY payments for increased security.

Secure SMS (Short Message Service) is an additional security measure for Online Banking.  It uses SMS to send a Secure SMS code via your mobile phone number or as a text to voice message on your landline number.  

We strongly recommend that you use a mobile telephone number for receipt of Secure SMS codes.  If you use a landline number, you must be at that location to receive Secure SMS codes.  This includes changing the default phone number from a landline to a mobile as the Secure SMS code to change the number will be sent to the current default phone number.

The Secure SMS authorisation limit (currently $1000) allows you to transfer amounts and make BPAY payments up to $1000 without the need enter a Secure SMS code.

We may change this limit from time to time to improve security and/or provide greater convenience.  Any change to this limit will be communicated via Online Banking or our website.

You will only receive one Secure SMS code per Online Banking session and it must be entered within five (5) minutes of the request. 

If you fail to enter the code within 5 minutes, you will need to log back into Online Banking and request a new Secure SMS code if performing a transaction or function where a code is required.

Fraudsters are continually developing malicious computer programs which can result in identity theft and/or financial theft.  Secure SMS authentication will help prevent this by adding another level of security to Gateway’s Online Banking.  Secure SMS codes will be required for: certain transactions until the destination account has been validated once; and for changes to your address and contact details.

Yes, cash deposits can be made.  However withdrawals at the branch are only made by cheque.

This function is not available via CUE call, however our online banking facility does provide this function.

You may only establish one ‘nominated’ account for CUE Call withdrawals to an external bank account.

Gateway does not charge any account keeping fees, other Fees and Charges may apply. 

You can obtain a password for CUE Call by contacting our Member Services on 1300 302 474.

There is no limit for transfers between related Gateway accounts. However, payments or transfers to third parties are limited to a maximum of $5,000 per day or $10,000 over any 3 day period. Requests for an increase in this limit may be submitted to our Member Services team.

EST stands for Eastern Standard Time and covers both Australian Eastern Standard Time (AEST) (GMT +10) and Australian Eastern Daylight Time (AEDT) (GMT+11).  Source: www.australia.gov.au/Time_Zones

47 087 650 093

238293

BSB is 802-816.

Monday to Friday 8:00am – 5:00pm (EST), excluding public and bank holidays by calling 1300 302 474 or 02 9312 9700.

Monday to Friday 8:30am – 4:30pm (EST), excluding public and bank holidays.

Anyone can become a Gateway Member by completing the appropriate Membership application form and certification process.

You can call +612 9312 9700, Monday to Friday 8:00am – 5:00pm (EST), excluding public and bank holidays.

You are able to download the annual report from our website, it can be found at “Your Gateway” under 'About Us' and click on Annual Reports.

You are now able to elect to receive Gateway Credit Union’s Annual Report via email.  To nominate to receive eAnnual Reports, simply contact Member Services on 1300 302 474 and inform them of your request.  You will have to provide an email address.  If you change your email address please remember to inform us to ensure we can always complete your request. 

Thank you for supporting our Green Initiatives.  Our current and previous Annual & Financial Reports are always available on our website on the Annual Reports page.  In order to ensure you no do not receive a hard copy of the Annual Report in the mail, simply contact Member Services on 1300 302 474 and inform them of your request.

You will find the last two reports on the Annual Reports page of the site under the heading of Annual Reports by going to the 'Your Gateway' section under 'About Us'.

A firewall is a software program designed to stop unauthorised access (usually from hackers) to your computer and may also prevent your computer from accessing certain parts of the web.
Most firewalls come with a standard set of rules to allow access in and out of the computer. If you have installed a firewall, you may need to create a rule that allows the computer to communicate with the Credit Union’s Online Banking site.

The best way to keep your computer secure is to install a reputable anti-virus program and a personal firewall, which you update regularly.

Install the latest patches and fixes as soon as the manufacturer discovers any vulnerability. On occasion, the availability of these patches or fixes are mentioned in the media but in most cases, you need to access the manufacturer’s website and locate and download the patch or fix for the version of your operating system.

When the mail client is launched simply copy the address and then login to your email provider (e.g. Yahoo, Hotmail, Ozemail, gmail) and paste the address into the “To” field.

You will need to resize your display, this can be done by one of the following:
1. Change the settings of your display to 1024 x 768 pixels in the control panel option of your settings menu.
2. Change your view to fill the screen by pressing the ‘F11’ key. This key will also return you to your previous view.

We may use pop up windows to display important information. If you use software that blocks pop up windows, you may not receive this information.  Therefore, we recommend that when using our web site you disable any software that prevents pop up windows from displaying. Naturally, when you finish you may enable the software again.

Gateway Credit Union recommends that you use the latest available version of your favourite internet browser.  This however does not include Beta or Release Candidate XX versions of all browsers.  Whilst our web site should operate on all browser types, the screen appearance of our web site may vary from browser to browser.

The web site has been optimised for the following browsers (except Beta and Release Candidate XX versions) all with a resolution of 1024 x 768:

Microsoft Windows:

• Internet Explorer 6.0+, or higher.  Recommended browser is Internet Explorer 7.0+
  
• Firefox version 2 or higher

Macintosh:

• Safari 3+, which requires and is included in Mac OS X operating system
  Note: for users of Opera, please maximize the window to resolve known issues with this browser.
  

Cookies contain information about you and your preferences. Only the information that you provide, or the choices you make while visiting a website can be stored in a cookie. For example, the website cannot determine your e-mail address unless you choose to type it. Allowing a website to create a cookie does not give that or any other website access to the rest of your computer. Only the website that created the cookie can read it.

The default on most web browsers is set up to allow the creation of cookies. However, you can specify that you be prompted before a website puts a cookie on your hard disk so you can choose to allow or disallow the cookie. You can also prevent the web browser from accepting any cookies. To be able to use Online Banking, your computer must be configured to allow cookies.

In order to use Calculators in Internet Explorer Version 6, the following controls/settings need to be enabled/available;

• Download Unassigned Active X Controls
  
• Initialise ActiveX Controls not marked as safe located under Tools – Internet Option – Security – Custom Level
  
• Security level is set to Medium

Deleting Cookies in Internet Explorer 6 and 7
Enabling Cookies in Internet Explorer 6 and 7
Adding Gateway as a Trusted Site in Internet Explorer 6 and 7
All about Cookies in Firefox
Adding Gateway as a Trusted Site in Firefox
Managing Cookies in Safari 3.1.2