Access

Internet Banking FAQs

What is My Viewpoint?

My Viewpoint is BDCU's Internet banking facility. It has been designed to give you another convenient method of conducting business on your accounts with BDCU.
Features include:
• Display account balances
• Display transaction details
• View and print statements for selected periods
• Transfer funds within a membership or linked memberships
• Transfer funds to external financial institutions
• BPAY®
• Personalise previous payee lists
• Future date transactions and set up regular payments
• View loan, term deposit and payroll details
• Display interest earned

How do I register for Internet banking?

You must be registered to use My Viewpoint. You may either visit an Advice Centre or download the application form from our website. You will then be provided with a password for access.

What browser should I use with My Viewpoint?

We recommend you use the most up-to-date version of your preferred browser. These include: Internet Explorer version 7 or higher, Firefox version 2 or higher and Safari version 3 or higher.

What do I do if my access to My Viewpoint becomes locked?

My ViewPoint will lock you out. You will need to contact BDCU during business hours and we will arrange to re-set your password.

Can I use Internet banking if my membership is two to sign?

Yes, you can.

How do I transact if the account is two to sign?

Use your Member number and Access code to log in. Conduct the transaction as normal. The transaction will be stored and await approval from the other authorised party before it is activated. It will appear as a Pending Transaction at the bottom of the Transactions menu.

What happens when I log into Internet banking for the first time?

You will be required to read and accept BDCU's Terms and Conditions of use for My ViewPoint. After acceptance, you will be required to change your BDCU issued password.

Can I change my password?

Yes. If you feel that your password may be known by someone else or you are not happy with it, you may change your password at any time. Go to the Other Menu and select Change password.

What if I forget my password or it does not work?

If you forget your password, you will need to call BDCU during business hours to make arrangements for it to be re-set. If the password you selected does not work, it may be because it does not meet the criteria for a secure password.
Passwords must be at least four (4) characters, with a maximum of eight (8) characters, contain at least one number (0-9) and one letter (A-Z, a-z), but no spaces. Your password is also case sensitive.

How do I transfer to other accounts within BDCU?

You can transfer funds within your own membership and you can now also transfer funds to other memberships within BDCU. You will need to know the membership number and Savings or Loan type you want to transfer funds to. For example to transfer to the S5 of 123456, you would need to enter "123456S5".

To process an internal transfer you will need to select the Transaction Menu then select the Transfer option from the drop down list.

Can I transfer funds to another financial institution?

Yes. You can make payments to payees at other financial institutions. The details you need to provide to make a payment are BSB, account number, account name, reference and the amount to be paid. Please ensure that the details you provide are correct to avoid the payment being delayed or returned to BDCU.

To process an External transfer you will need to select the Transact Menu then select the Credit External option from the drop down list. You will then be asked to enter the details of the payment.

Why do I get a BSB error when making an external funds transfer?

When making external payments, the BSB number must be in the correct format. The BSB should read nnnnnn.

Is BPAY® available through My Viewpoint?

Yes. BPAY® is a facility that is available to all users of My Viewpoint. To process a BPAY® payment you will need to select the Transact menu and select BPAY® from the drop down menu.

Can I print a statement through My Viewpoint?

Yes. Under the "Other" menu select Statement. You may choose the date range required and use the print option from your web browser or simply view the details online.

Why does my Internet banking session time out when I try to view a statement?

Should you select a very large number of transactions, this function may time out depending on the time it takes to retrieve transactions from the BDCU host. Should this happen you will need to close your Internet banking session, login again and try requesting less transactions.

Can I manage what I see in my Personal payee list?

Yes. We often pay so many bills that, over time, the information stored in our previous payee list becomes obsolete or just too long to manage. Now you can delete or edit details to meet your current needs. This can be done for both BPAY® and Transfer External.

Can I perform a batch transaction?

Yes, you can quickly and easily upload a batch of payees, such as suppliers and staff, from an accounting package by using the MultiTrans function. Go to Transactions > MultiTrans. Follow the on-screen guides to upload your batch list.

Can I schedule BPAY® and External Transfer Payments for a future date? Can they be more than one off payments?

Yes. Transactions may be future dated and may be set to run as either one off, weekly, fortnightly, monthly, quarterly or yearly. You can also set an end date.

Are future dated payments debited from my account at the time the payment is processed by me?

No. All future dated payments are set up like a periodical payment. You only need to ensure that there are sufficient available funds in your account on the due date of the payment.
Future dated payments can be viewed, edited or deleted from the Future Dated Payments menu. Modifications to scheduled payments must be processed at least one working day prior to the specified payment date.

Will I be charged any fees for using My Viewpoint?

The use of My Viewpoint is generally a free service to BDCU members. However, there are some types of transactions that are included in the Member Benefits / Fees and charges. Click here to find out more.

Is Internet banking secure: How are my personal details and accounts protected?

We have placed the utmost importance in ensuring that your personal details, funds and account information remain secure from unauthorised access.

My Viewpoint has various security features that protect both you and us. These include:
• Browser login page encryption;
• Password anonymity;
• Member chosen password;
• Login page unable to be cached;
• Timeouts for inactivity when session opened;
• Data encryption supported by the latest generation browsers;
• Host system security;
• Audit trails;
• Account accessibility parameters.

My Viewpoint employs 128 bit encryption of data sent to and from the site to ensure that no information can be intercepted and read by others (encryption scrambles the data that is sent on the line to stop people who may try to tap or hack into Internet communications). This is one of the highest levels of internet security available today.

The yellow padlock on the bottom of the browser page indicates that the site is secure. The web address https://www signifies that you are accessing a secured address (unsecured addresses start with http://).

I keep receiving the message, "Your connection has expired". Why does this happen?

After a pre-determined period of inactivity, My Viewpoint has been set to automatically log-out and force you to log back in by re-entering your password.

What is a Security Token?

A Security Token is a small electronic device that produces a one time password.

What is a one time password?

A one time password is a six digit number generated by your token. Each time you press the button on your token a new one time password will be displayed for approximately 30 seconds.

How much does a Security Token cost?

The token is provided to members free of charge as part of our commitment to make online banking even more secure. However, a replacement fee of $20 will be charged for lost, stolen or damaged tokens.

Do I have to use a Security Token?

The Security Token is compulsory for members requesting a permanent increase to the daily limit.
We strongly recommend that all our registered Internet banking users take advantage of the additional security.

What is an Alert?

Alerts allow you to receive information about your account through SMS on your mobile phone or via e-mail.
Internet banking members will need to register for Alerts through My Viewpoint. This is done through the Other Menu.

Register Now

Register for Internet Banking

Questions?

If you have any questions, please contact us.

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