How We Protect You

How we protect you

We use the best security currently available in a commercial environment so that your personal and financial information is protected while in transit between your computer and our server.  

We take many precautions to protect the online banking environment and ensure your information is safe. Our online services use the best security currently available in a commercial environment so that your personal and financial information is protected while in transit between your computer and our server. 

Encryption

Encryption ensures that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula. Some browsers can create a more secure channel than others, owing to the ‘strength’ of their encryption. We use only the strongest channel available - referred to as 128-bit SSL (Secure Socket Layer). If you have a browser that only supports ‘weaker’ encryption such as 40-bit or 56-bit SSL, you will need to upgrade your browser before using our site. Get in touch if you have any questions.  

Personal Access Code  

We ensure that only individuals who provide an authentic Personal Access Code can access your account information. After 20 minutes of inactivity your online banking session will end and you’ll be required to login again, however personal information may remain visible after that time. To ensure your information remains private you should always logout of online banking to end your session.

Access to our databases is strictly managed and systems are in place to ensure security is not breached, including the physical security of our computer hardware and communications.

For more information on the specific policies and practices that we use to safeguard your personal and financial information, see our Privacy Statement

How to protect your Personal Access Code (PAC)

You must ensure your online security the same way you protect your home and possessions. 

In order for us to ensure that only you are accessing your accounts, we need a unique way of knowing that it's you. Just as the key to your home protects unwanted entry, the online banking ‘key’—your Personal Access Code (PAC)—ensures that only you can access your accounts.

It’s your responsibility to ensure that your ‘key’ to the online banking section of this website is protected. Please observe the following security practices:

  • Select a PAC that is easy for you to remember but difficult for others to guess.
  • Do not select a part of your PIN (your ATM ‘key’) or another password.
  • Keep your PAC confidential and do not share it with anyone.
  • Do not write your PAC down or store it in a file on your computer.
  • Never disclose your PAC in a voice or email, and do not disclose it over the phone.
  • Ensure no one observes you typing in your PAC.
  • Change your PAC on a regular basis. We suggest every 90–120 days.

How to Change Your Personal Access Code (PAC)   

  1. Step 1: Log in to online banking   
  2. Step 2: Click on ‘Profile and Preferences’ on the left hand navigation   
  3. Step 3: Select ‘Change Personal Access Code’   
  4. Step 4: Enter your existing PAC, then enter your new PAC twice   
  5. Step 5: Select ‘Submit’ You should receive a confirmation pop-up that your PAC has been successfully changed.