Take advantage of the following Internet Banking services:

• Check your loan and deposit account balances
• Transfer funds between transactional accounts
• Pay bills via BPAY®
• Check your payments history
• Change your Internet Banking PIN
• View and print account transactions
• Schedule one-off or regular transfers or payments in advance
• Transfer funds to accounts held with other financial institutions
• Download transactional data to your favourite accounting or spreadsheet program

Registering for internet and phone banking is easy - simply phone 1300 651 839 between 8.00 am and 8.00 pm (EST) weekdays and 10.00 am to 4.00 pm (EST) on weekends.

To ensure security of the registration service, you will be asked for certain authenticity information before being given your Access ID.

For phone banking, you will use the same Access ID as internet banking but you will be provided with a different temporary PIN.

Quick link to order or activate a token

We have now made it easier to navigate to the Security Token order and activation screens.

On the Account Balances screen, near the Print and Help hyperlinks, a new Hyperlink will appear which will direct you to either the Token Order or Token Activation screens in a single click.

If the hyperlink is not appearing on your Account Balances screen, simply call internet and phone banking Support on 1300 651 839.

Shared Payees

For your convenience you can now share your Payees with other common signatories on your accounts who have access to internet banking.

For New Payees you will have the option to select if you want to share the Payee as you create it. You can select this option by simply checking the corresponding radio button and then identifying the common signatories with whom you want to share the Payee.

For Existing Payees you can choose the Modify option to update the Payee information to allow it to be shared with other common signatories.

Improve Account History printing

Sick of wasting paper when printing your Account History information?

We have improved our Account History printing by ensuring that if you have multiple pages of transactions displayed and you want to print the information using the printer friendly link, all pages will be automatically included in the print selection.

New Account History time frames

Selecting 30 days not giving you the information you want?

We have improved our Account History options by removing the 30 days, and more than 30 days options. The new options are:

• All days in this month; 
• All days last month; 
• All Available history.

This provides you with greater flexibility when choosing the period of information, in which you are interested.

After selecting the Print link you will also have the opportunity to sort the transactions by Most Recent First, or Oldest First. For your convenience this choice will be remembered for that account in the future.

Quicker BPAY® payments

As many BPAY® Billers issue accounts with a fixed Customer Reference Number (CRN) or account number, we have introduced an option that will allow you to make your payments even quicker.

Next time you go to make a payment to a BPAY® Biller with a Fixed CRN, you will have the option to 'Skip' the Verification screen from then on, thus reducing the number of screens you need to go through to complete each payment to that Payee.

For those Payees where you have selected to skip the Verification screen, it will still be possible to return to the Verification screen at any time by selecting the Modify button on the Approval screen.

Request to cancel a cheque

For your convenience we have introduced an option which will allow you to Request to Cancel a Cheque online.

Select Customer Services and then Request to Cancel a Cheque and enter all required information.

This request will not cancel the cheque immediately because we must confirm that all the details provided are correct and the cheque has not already been presented.

Instant Account History

From the Account Balances screen, simply click on the account name for an instant 14-day history. Account History also has new, rapid one or two-day options.

Available Funds at A Glance

All account drop-down lists will now show how much in available funds you have in each account. No more returning to Account Balance screen each time.

Transaction Download

We've simplified the Transaction Download function to use fewer screens.

Make Payment

 

• Add new payees directly from the Make Payment screen. Choose whether to add them permanently to your Payee List.
• Re-use deleted BPAY® payees in the same manner as Pay Anyone Payees.
• Deadline for Pay Anyone transactions extended from 2.00pm to 3.30pm.
• Weekly and Fortnightly Payment/Transfers
• Schedule Transfers, BPAY® and Pay Anyone transactions to recur weekly, fortnightly or monthly.
• Set regular payments to end after a Specific Date or Number of Payments.
• Schedule one-off transactions for up to 12 months in advance.

Name Your Own Accounts

Makes it easy to identify your accounts.

Improved Receipt Printing

Receipts are easier to print and contain more information to help you reconcile your statements.  

To further protect your personal information during internet banking sessions, Rural Bank has introduced the use of security tokens.

Security tokens are designed for use in conjunction with your internet banking access ID and PIN, providing you with a second level of authentication at log on. Security tokens look like a key ring with a digital number display. At the press of a button, they generate a six digit number called an Authentication Key. A different number is generated every 36 seconds.

Once you have purchased and suitably activated a security token, you cannot log on to internet banking without your access ID, PIN and the authentication key generated by the token. It is important that the token is activated immediately to maximise the protection it offers.

Security tokens reduce the risk of criminals accessing your internet banking, as they do not have the authentication key generated by the token.

What are the security tokens?

Rural Bank security tokens are an optional security measure you can apply for to access your internet banking, however they are compulsory if you require the Pay Anyone service (this service is not available for term deposits or fixed rate farm management deposits). There is a cost involved to obtain a security token and 2 options are available.

Option 1- Vasco One Touch Security Token: $25 (including GST and delivery)

Small, key ring size, and light with a simple "one touch" operation. At the press of the button, it generates a "one time" six-digit number called an Authentication Key. The Authentication Key number changes with every use. The device uses Greenwich Mean Time so that it works anywhere in the world. Convenient and durable with a life expectancy of 5 years.

Option 2 - Vasco Professional Security Token: $99 (including GST and delivery)

Compact and palm size, with a life expectancy of 10 years. The keypad located on the front of the Security Token offers another level of security before you attempt to access your Rural Bank internet banking session. A separate PIN must be entered into the Security Token keypad before the Authentication Key will be displayed. This extra security option is particularly beneficial to business customers who may have their Security Token in the office and do not want other staff to be able to access it.

Once you have purchased and activated your Rural Bank Security Token, you cannot logon to Rural Bank internet banking without your Access Number, PIN and the Authentication Key generated by the token. It is important that your Rural Bank Security Token is activated immediately to maximise the protection it offers.

How to order your Rural Bank Security Token

Upon registering for internet and phone banking you will be able to request your security token. Existing internet banking customers can order a security token online by logging in to internet banking, selecting the Customer Services tab and then the Security Token link. If you are a current Rural Bank internet banking customer, but do not have our Pay Anyone service, you will need to call us on 1300 651 839.

If you have any questions about the online ordering process or to register for internet or phone banking please call Rural Bank internet and phone banking services on 1300 651 839. 

To show you the features of Internet Banking we have developed an online demonstration. The demonstration shows all the services available in Internet Banking, but does not access your accounts, and is only intended as a helpful way to demonstrate the services available.

Online help is available on each screen, so feel free to browse and enter some data and see how easy online banking can be!

Note: In order to demonstrate multiple signatory account behavior in the demo, a 'Multiple Signatory Account' must be selected from the options

• Launch Online demonstration.

Rural Bank is highly committed to providing a safe and secure online banking environment for customers. Learn more in our security section.

If you have either a Seasonal Overdraft, Term Loan or AgriManager account you qualify to apply for the Bulk Payments service.

Once registered, you can access the Bulk Payments service from most Rural Bank transaction or savings accounts that have Internet Banking transaction access.

Bulk Payments allows customers who have compatible accounting or farm management software programs to create electronic payments to third parties. The payment file is created in the accounting or farm management software and is then exported into the Bank's Internet Banking service for settlement the next business day.

This allows customers to send multiple payments as one transaction. This service is typically beneficial to high transactional volume users.

To apply for the Bulk Payments service please complete an application form (available at right hand side of screen) and forward it to your local branch or to GPO Box 551, Adelaide SA 5001.

• Bulk Payments guide
• Bulk Payment Application Form

For further details on our Internet Banking service, visit our FAQs.