We are committed to safeguarding your personal details Learn about the ways we protect you and how you can protect yourself against fraud and scams online. Talk to us Phone us Email us Breadcrumbs Firefighters Mutual Bank Security How we protect you online Security We are committed to safeguarding your personal details. Learn about the ways we protect you and how you can protect yourself online. Fraud & scam warnings Transaction disputes & fraud How we protect you online How to protect yourself online Security software Lost or stolen cards Mobile app security tips ATM security Card security Tips for shopping online Verified by Visa Industry links Fraud & scam warnings Transaction disputes & fraud How we protect you online How we protect you online Online security commitment Firefighters Mutual Bank uses advanced security systems, transaction monitoring and fraud prevention tools to safe guard your personal data. We are committed to providing you with an enjoyable and secure banking environment. Ticketing and free trial Merchants The Bank will endeavour to decline all free trial and offshore ticketing transactions, however, this rule may sometimes not catch all of these Merchants, and some may still authorise. If you still wish to transact with these companies using your card, we can exclude you from the rule. Please contact us to do so. We do not recommend you use your Visa card for these types of transactions. If you need to dispute these transactions in the future, success of a refund is not always guaranteed. Login authentication To log in to online banking you need to supply the following information to verify your identity: Online banking login (member number) Online banking access code One-time password A one-time password is a six digit number sent to your mobile phone via SMS or via a security token, required when making certain transactions in online banking. It’s quick and simple, and doesn’t interfere with the majority of your day to day banking. It also offers: An extra layer of security Verification codes made just for you. One-time passwords are uniquely crafted for your account when you need them. Each code can only be used once. Encryption Encryption is the process of scrambling the data contained in a computer communication and can only be unlocked or decrypted with the correct key. All information transmitted from your computer to our system is protected by 128-bit Secure Sockets Layer (SSL) protocol encryption. It is one of the best forms of encryption used by leading financial institutions around the world. To successfully log in to online banking, you will need to ensure that you are using a web browser that supports 128-bit encryption. In most web browsers, you can check the encryption level supported by going to the Help menu and then selecting about. To ensure that you have successfully connected to a secure session using SSL encryption, your browser should display a closed padlock icon. You can click on the padlock icon to obtain more information about the digital security certificate and to verify the certificate was used for the site you are connecting to. This may be displayed in the status bar at the bottom or in a bar at the top of your browser. Daily transaction limits A daily limit on electronic funds transfers to other Australian financial institutions (including BPAY payments) is automatically applied to each account. You can lower this limit to a level that meets your daily transactional needs. This minimises the potential loss that could occur if your online banking is compromised. To vary your daily transaction limit(s) please contact us here. Session time-out We have an inactivity time-out period after which your online banking session will be terminated. This protects your account against any unauthorised activity in the event that your session is abnormally terminated or left unattended. Access code lock-out Our system records unsuccessful login attempts. If the number of unsuccessful login attempts exceeds our limit, access to your online banking service will be disabled immediately. This helps to protect you against anyone who may be trying to hack your online banking account. If you believe that your access has been disabled for this reason, please contact us to have your online banking access reinstated. Transaction monitoring Firefighters Mutual Bank employs leading edge technology designed to monitor and detect possible fraudulent transactions. Occasionally we may also hold EFT or OSKO transactions for confirmation before they are released, this will mean that one of our staff will contact you to verify transactions. Card transactions cannot be held, however, we may also contact you to verify the authenticity of transactions. Emails Emails will be from a @fmbank.com.au or @tmbl.com.au email address. We will not contact you via email to ask you to provide or confirm personal information (e.g. credit card number, account number, internet banking access code and/or PIN). For security purposes, we recommend that you do not use hyperlinks, active or otherwise, from emails to undertake financial transactions. We recommend that you log in to online banking via our website address > www.fmbank.com.au. How to protect yourself online Security software Lost or stolen cards Mobile app security tips ATM security Card security Tips for shopping online Verified by Visa Industry links Back to top.