Members' Login

Today is

{ads}

Computers are revolutionising banking. Online Banking allows you to view and access your accounts 24 hours a day, 7 days a week. You'll probably find that your own bank can offer you this service on your existing account (see our list of banks links).

The great thing about Internet banking, is that getting into your banks' WEB site is just the same as getting into any other WEB site.

In this page we try to give you some background about Internet Banking;

ibanking
Safe & Secure
Security Tips
Frequently Asked Questions
Links to Banks On-line
Help Setting up

i-Banking

In theory you can perform any task that you would normally perform with your high street account;

Check your account balances.
You can see what's happening in your account at any time.
Transfer money between your accounts.
Transfer money to anyone else's account.
Pay all of your bills instantly.
And becasue it's on the Internet do this from anywhere in the world.

Safe & Secure

Access to your financial records and assets is usually protected by a Log-On process.

All transactions between your computer and the Internet Banking server (and vice versa) should be encrypted using Secure Sockets layer (SSL) protocol and 128 bit encryption, which is the latest 'state of the art' security system.

Whilst many security features are incorporated into Internet Banking services, the bank does not have control over the computer environment you use to access the service, it will always be up to you to ensure that your computer environment will not provide opportunities for third parties to gain access to your information.

Ensure that you follow our basic security tips which will reduce the risk of fraud and give you a much more enjoyable banking experience.

Security Tips

Online Banking benefits from three levels of protection and uses the latest encryption technology. Even with this state of the art security, it is important to be aware of certain safety procedures to ensure your information is as secure as possible.

1) Passwords and membership numbers

It is vital that your password is never disclosed or made accessible to anyone and that you only disclose your membership number when requested to do so by the bank. Never send e-mails containing your password and membership number.

2) Logging On

When logging on, ensure that you are not being overlooked (by a person or a closed-circuit television).

3) Environment

Ensure your computer environment is safe. Whilst many security features are incorporated into Internet Banking services, the bank does not have control over the computer environment you use to access the service, (e.g. a LAN in your workplace, a university campus or Cyber Café etc.). Therefore, you should ensure that your computer environment does not provide any opportunities for anyone to gain access to your information (in particular your membership number and password).

4) Logging Off

The following advice is good practice, and we recommend that these steps are always performed. It is particularly important that these steps are followed if you access Online Banking from a public location, or one where you do not have complete control over your computer environment - such as a LAN in your workplace, a university campus, a Cyber Café, etc. it is recommended that you always explicitly log-off from the service when you have finished using it. This will prevent the opportunity arising for someone else to gain access to your accounts between the time when you finish using the service and it logs you off.

5) Removing Financial Information that might be seen by others using the same PC.

When you have logged-off, some information relating to your activities may remain within your computer - although steps should be taken by the bank to ensure this is kept to a minimum. To prevent anyone from gaining access to this information we recommend that you always delete this information. This is done as follows:

On PCs;

Netscape - Click on Edit>Preferences>Advanced. From the drop down menu choose Cache and then click "Clear Memory Cache" and "Clear Disk Cache" buttons

Microsoft Internet Explorer (versions 4) - Click on View>Internet Options Choose the "General" tab and on the Temporary Internet Files portion of the screen, Click "Delete Files" button

Microsoft Internet Explorer (versions 5) - Click on Tools>Internet Options Choose the "General" tab and on the Temporary Internet Files portion of the screen, Click "Delete Files" button

On MACs;

Netscape - Click on Edit>Preferences>Advanced. From the drop down menu choose Cache and then click "Clear Disk Cache Now" button

Microsoft Internet Explorer (versions 4) - Click on Edit>Preferences>Web Browser. From the drop down menu choose Advanced and on the cache portion of the screen, Click "Empty Now" button

If you have Exported Data for use in Microsoft Money, Sage or a spreadsheet, then this information will also be held on your computer, and should be subsequently removed or secured if you are using a shared environment and want to ensure that no-one has access to your financial information.

Frequently Asked Questions

Q: Can computer Hackers break into my account?

A: All banking information on the internet is specially coded. On-line banking software is designed to ensure your financial privacy. If you follow our basic security tips you'll reduce the risk of intruders gaining access.

Q: Are my bank records really safe stored on my computer?

A: Information stored on your PC is more secure than printed statements just stored away, especially if you protect your bank record files with a password so that only you can open and view them.

Q: I'm worried about my phone bills mounting up. Is there a way of keeping them down?

A: Yes several. Check that calls to your internet provider are charged at local rates only, plan your calls at weekends and evenings when call charges are lowest, and work out what you want to do before you call up.

Q: How can I join an internet bank?

A: Firstly speak to your bank and ask them what arrangements they have for internet banking. If there are none then look at our list of links to banks that do provide this service on-line.