As well as an individual Personal Identification Number (PIN), which helps guard against unauthorised electronic transactions through your Redicard or Visa Debit Card, and an Access Code, which helps protect you on Telephone Banking, Internet Banking or iTM services, there are a number of actions you can take to better protect yourself when transacting electronically.

Recent security updates:

• Email Scams
• Sydney ATM Scam
• 'Free' Holiday Scams

We suggest you read the information below, or contact us to talk about your banking security.

• Internet Banking, Telephone Banking and iTM use
  As well as your access code, we use a range of innovative security techniques to help protect the personal information. Visit this page for information on how you can help.
• Verified by Visa
  Verified by Visa gives you the peace of mind of knowing that no-one but you can use your MyState Financial Visa Debit Card online.

MyState Financial's Top 10 Tips for Internet Security

1. Delete all spam emails immediately and empty your deleted items folder.
   
   
2. Always type your financial institution's website address into your browser - never use a link to your bank or credit union that has been sent to you in an email—it might be a phishing website.
   
   
3. Install software that protects your computer from viruses and unwanted programs and make sure it is kept up-to-date.
   
   
4. Beware of free websites and downloads (such as music, adult sites, games, movies). They may install harmful programs without you knowing.
   
   
5. Check the website address carefully. Scammers often set up fake websites with very similar addresses.
   
   
6. Never enter your personal, credit card or online account information on a website that you are not certain is genuine.
   
   
7. Never send your personal, credit card or online account details through an email.
   
   
8. Try to avoid using public computers (at libraries or internet cafes) to do your internet banking.
   
   
9. Do not use software on your computer that auto-completes online forms. This can give internet scammers easy access to your personal and credit card details.
   
   
10. Choose passwords that would be difficult for anyone else to guess.
    

Further information about electronic banking security is available from the following external sites:

• SCAM Watch
  SCAMwatch is a website run by the Australian Competition & Consumer Commission (ACCC). The aim of SCAMwatch is to provide information to consumers and small business about how to recognise, avoid and report scams.
  
  
• Australian Securities and Investments Commission (ASIC)
  View ASIC's “Consumer Alert 10 tips for safer electronic banking and protecting yourself under the EFT Code”
  
  
• Stay Smart Online
  An Australian Government Initiative.