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How to protect yourself

We have implemented world class security measures to address the issues associated with banking online, but it is equally important that our customers treat the security of their personal computers just as seriously.

To ensure your internet banking is secure, we recommend the following:

  • Always log on to internet banking by typing into your browser address bar
  • When online with Rural Bank, always check the address field displays our official website, (The address field will not be visible once you are logged into internet banking).
  • Never follow an email link which takes you directly to a logon screen.
  • Use a security token for a second level of authentication.
  • Keep your computer up to date by installing the latest security software and 'patches' for your operating system.
  • Ensure you have installed anti-virus/spyware software installed along with a firewall – and keep them up to date.
  • Make sure you have a current backup of your important personal information/files.
  • Delete spam emails and do not open email attachments or click on links in emails from strangers.
  • Do not respond to an unsolicited email asking you for personal information or financial details.
  • Be aware of email, internet and telephone hoaxes and scams – if something appears too good to be true, it almost certainly is.
  • Only conduct financial transactions online using computers you know are secure. If possible avoid using shared computers, such as those as internet cafes, hotels and airports.
  • Always exit your internet banking session when finished, by clicking the 'Log off' button in the top right-hand corner of the window.
  • Always check there is a padlock symbol on the bottom right corner of the log-on page (where you enter your PIN and Access ID). Click on the padlock to verify you are dealing with Rural Bank.
  • Never divulge your PIN. Rural Bank will never ask you for your PIN (either in person or by email).
  • Never leave your computer unattended while logged on to internet banking.
  • Regularly check your account balances and transaction histories and immediately report any discrepancies to Rural Bank.
  • You should protect the security of your PIN and Access ID at all times. Allowing somebody to know these details is the same as giving them a signed blank cheque. If you believe your details may have become known to another person, you should log on to our internet banking site immediately and change your PIN.

You should immediately be suspicious of any phone call, email or correspondence which asks you to disclose your banking details.
To be certain the caller is an authorised bank representative, you can always ask to call us back, then dial Rural Bank internet and phone banking Support Services on 1300 651 839 or our Customer Service Centre on 1300 660 115 for a local call cost. Rural Bank or its staff should never, for example, ask you for your PIN (although in some circumstances we might ask you to verify your Access ID).

If you receive a suspect email

  • Do not open it
  • Delete it from your Inbox and then permanently delete it from your Deleted Items folder

If you have clicked on the link in the email

  • Use your virus protection software to scan your computer for viruses and Trojans.
  • After scanning your computer, contact Rural Bank on 1300 651 839 (until 8.00pm weekdays EST, 6.00pm Saturday and 4.00pm Sunday EST). If necessary, we can reset your Access ID.
  • Once you are certain your computer is virus-free, we suggest you change your internet banking PIN for peace of mind.
  • It is critical that you ensure your computer is free of viruses before logging on to internet banking. If you have any questions about virus protection, please contact your software vendor or your internet services provider.

Contact us if you have a concern

If you believe your internet banking details may have been compromised by one of the methods above, please contact Rural Bank immediately on 1300 651 839. Alternatively, you can alert us of any suspicious activity you have witnessed by contacting us.

Rural Bank - A Division of Bendigo and Adelaide Bank Limited
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