To protect your money, you should never give out your internet banking access code (your password or mobile banking PIN), token PIN or SMS Secure Code or make it easy for someone else to access your passwords.
- Memorise your access code and never store it with or near your Customer number.
- Don’t choose an access code that is easily identifiable with you, for example, your birth date, an alphabetical code which is a recognisable part of your name, or your car registration.
- Avoid access codes that are merely a group of repeated numbers or letters.
- Try to prevent anyone else seeing you enter your access code when using phone banking or access code, SMS password or token PIN (whichever is applicable) when using internet banking or mobile banking.
- Don’t record your access code anywhere near the equipment used to access internet banking, phone banking or mobile banking.
- Change your access code at frequent intervals.
- Immediately report the loss, theft or unauthorised use of your Customer number and access code to Queensland Country.
- Examine your account statement as soon as you receive it to identify and report, as soon as possible, any instances of unauthorised use.
It is a condition of use of internet banking or mobile banking that you do not disclose these details to any other person. By giving out your details or failing to keep these details safe, you increase your liability for unauthorised persons to access your account.
Please contact a Queensland Country Bank branch or contact centre 1800 075 078 immediately if you believe that your access code may have become known to someone else.
If you think you may have been affected by a scam or fraud, you can also report it to your local police. You may also report the scam to the Australian Competition and Consumer Commission (ACCC) by contacting the ACCC Info Centre direct on 1300 795 995 during normal business hours or completing the online form available on the ACCC Scamwatch website. If the scam relates to cybercrime you may report the scam to the Australian Cybercrime Online Reporting Network (ACORN) via the online form located on their website.
Protect yourself from scams and fraud by becoming familiar with the latest trends.
1. Password strength
Create strong passwords. Combine capital and lowercase letters with numbers to generate a more secure password.
2. Password security
Change passwords regularly, use separate passwords for separate accounts and don’t ever share passwords with anyone.
3. Think before you act
Be wary of communications urging you to act immediately, offering something too good to be true or asking for personal information.
4. Beware of the unknown
Many people unknowingly compromise computers by clicking on “innocent looking” links. If it looks suspicious, even if you know the source or sender, it’s best to just delete it.
5. Protect your devices
Invest in anti-virus software and keep it up-to-date. Use automatic software updates if available and consider security needs of other web enabled devices like smartphones, tablets and gaming systems.
6. Think before you share
Limit personal details shared online. Social networking sites can use challenge questions to verify you and change your password so make sure you keep personal information to a minimum.
7. Check website security before putting in your details
Check website security before doing online banking or shopping. Look for web page addresses with https:// at the beginning or a closed padlock icon in the status bar. These things indicate the site takes extra measures to keep your information secure.
8. Check your bank statements regularly
Get into the habit of reviewing account statements. Look for suspect transactions, especially after you’ve been travelling and report them immediately.
9. Control your settings
Become familiar with security and privacy settings. Adjust them to limit what you are comfortable sharing.
10. Double your security
Use two-factor authentication if available. It’s harder for someone to steal money if you team your password with an SMS code or token.