SWSbank Banking App

Terms and Conditions

Please read and accept the following terms and conditions. By clicking on the 'Accept' button you are confirming you understand and accept the terms and conditions for the South West Slopes Credit Union Ltd trading as SWSbank (SWSbank) Mobile Banking App.

The SWSbank App is designed for smart phone devices, which offers a fast, simple and convenient Mobile Banking experience. With the SWSbank App, you can take your bank with you wherever you go.

The SWSbank App is not a stand-alone product. It is an additional feature of Online Banking and is available to SWSbank members who have registered for Online Banking.

Each time you use the SWSbank App these Terms and Conditions along with the SWS Account & Access Facility Conditions of Use will apply.

These Terms and Conditions operate in conjunction with any terms and conditions which apply to any accounts accessed by use of this service.

Features

Not all Internet Banking services and features are available on the SWSbank App.

The SWSbank App will allow you to:

• check your account balance and transaction history,
• transfer money between your accounts,
• pay your bills using BPAY,
• Transfer internally to your own or other SWSbank accounts,
• make transfers to other financial institutions via electronic funds transfers (EFT) or via Osko by BPAY
• manage your data sharing consents via the Consumer Data Right (CDR), and
• manage your SWSbank Visa Debit or Visa Credit card by activating, locking/unlocking, marking your card as ‘lost’ or ‘stolen’ or changing the PIN number.

Online Banking transaction limits apply to transactions completed on the SWSbank App.

Security

The SWSbank Mobile Banking App is designed to provide a high level of security. If an unauthorised transaction occurs, your liability will be determined in accordance with the ePayments Code and the SWS Account & Access Facility Conditions of Use. You may not be liable for losses where you have not contributed to the loss and have complied with your security obligations. This includes:

• keeping your Member Number, Online Banking password and the Mobile Banking App PIN number private,
• ensuring your mobile devices are covered by the latest software and security updates available,
• setting a device PIN or password on your mobile phone, and
• installing/enabling remote wipe software on your phone.

Log In

To log into the SWSbank App, you will use your Member Number and Online Banking Password.

When you register for the SWSbank App, you can set a four digit PIN to access the service.

Protecting your PIN

You should always:

• memorise the PIN as soon as possible - if you record it, disguise it, so others can’t decipher it and
• if you nominate a PIN, use a number that is not obvious or can’t be easily guessed (e.g. don’t use date of birth or driver’s licence number).

You must never:

• tell or let anyone find out your PIN, not even family or friends,
• record a PIN on your phone or computer or
• keep a record of the PIN with your phone.

Other things you must do

You must:

• lock your phone and take any reasonable steps to stop unauthorised use,
• ensure that only your biometric identifier (e.g. face or fingerprint) is registered on your phone,
• notify us immediately if your phone is lost or stolen or you suspect your access PIN has become known to someone else, and
• only install approved applications on your phone.

Don’t ever

• Leave your phone unattended and logged into the SWSbank App.
• Use the SWSbank App with a phone or device other than a compatible phone.

Under the ePayments Code you may be liable for losses arising from an unauthorised transaction if you breach any of the SWS Account & Access Facility Conditions of Use.

Suspension or Termination

We may suspend or terminate your use of the SWSbank App without notice at any time if we suspect unauthorised transactions have occurred or that the SWSbank App is being misused.

Changes to these Terms and Conditions

We may change these Terms and Conditions at any time. We will notify you of any material changes by electronic notice to you via your phone, the App store or Google Play Store.

Outside Australia

If you travel outside of Australia you may still have access to the SWSbank App. You should check with your telephone communications provider that the mobile device will be able to use relevant networks in those countries in which you are travelling. SWSbank is not liable for any additional costs you may incur.

Mobile Banking Costs

We do not charge a licence fee for the SWSbank App. However, you may incur data charges from your mobile network provider for downloading the app and performing transactions with the app. Check with your relevant service provider for more details.

There are no extra costs for using the SWSbank App. Internet data charges may be incurred through your mobile service provider - check with your Internet Service Provider or your mobile phone service provider for more details. Access is subject to availability and maintenance.

Which mobile phones are supported?

Not all mobile devices are capable of accessing and using the SWSbank App. You are responsible for using, having or obtaining a compatible mobile device in connection with any use of this service. We support the following systems:

• Apple iOS 12.2 and above
• Android Version 4.17.0  and above

ePayments Code and Customer Owned Banking Code of Practice

In providing you with the SWSbank app service, SWSbank warrants that it will comply with the ePayments Code and the Customer Owned Banking Code of Practice.