Easy Street Financial Services recognises that security for communications and transactions over the Internet is of prime importance.

Our Security Measures

Our browser-based Internet banking service uses the latest 128 bit Verisign digital encryption certificate to protect your data when it is being sent over the Internet. Each time you connect to Easy Street Internet Banking your browser is sent a digital certificate. This certificate securely identifies the site you are connecting to, and is used to establish the encrypted session. You can confirm your Internet banking session is encrypted by the appearance of a "lock" symbol at the foot of your browser.

You can confirm your Internet banking session is encrypted by the appearance of a "lock" symbol at the foot of your browser.

To check the Security Server Certificate, double click on the "lock" image. When viewing the certificate ensure that:

1. It has been issued to ebranch.easystreet.com.au
2. The "Issued by" section refers to Verisign
3. The date specified is in a valid date range

Customers are given access to Internet Banking only after they fill in the application form and agree to abide by the conditions of use associated with Internet banking.

Another important security feature is that the system will log you out if it is inactive for ten minutes.

Protect your Password.

We have done our utmost to provide an extremely secure system, but we must stress the importance of not telling anyone your personal access code. Your personal access code is your key to access your account and it must not be divulged to anyone else. Like a pin code or any other password, you should not write your personal access code down, but rather memorise it to ensure your accounts remain secure at all times.

To ensure the safety of your Easy Street Internet Banking password:

  • Never disclose your password to anyone
  • Do not write it down or store it on your computer
  • Make sure no one watches you while you enter your password
  • Select a password that is difficult to guess; and
  • Change your password regularly
  • Always 'LOGOUT' the secure session after completing online transactions using TransAccess
  • Never leave your computer unattended while logged onto Easy Street Internet Banking
  • If other people can access your computer you should set your browser not to cache secure web pages, so that there will be no record of your account information left on your computer

Changing your Internet Banking password

If you lose or disclose your password or feel it may have been compromised in anyway, you should change your password immediately. To change your password simply log on to Easy Street Internet Banking and click on the "Personal" button in the toolbar at the top of the page. Then select 'Change my access code.' You will then be asked to nominate a new password, which will become active the next time you log on to Easy Street Internet banking.

Alternatively, call Easy Street on 1300 13 14 65 and we can change your password for you. If we change your password you will be prompted after logging in to choose a new password.

Each time you log in to Easy Street Internet banking it will tell you the date and time when your accounts were last accessed using Internet Banking. This allows you to see when your accounts were last viewed with your current password.

Your Easy Street Internet banking password will be deactivated if you enter the incorrect password three times. This is a security measure to protect against misuse of your account. To have your access reactivated with a new password you can call Easy Street on 1300 13 14 65 between 8am and 8pm Monday to Friday and 9am and 3pm on Saturday, or email askus@easystreet.com.au.

Protect your Computer.

We recommend that you make sure your system is protected by:

  • Installing the latest anti-virus software
  • Continually updating the virus scanner to prevent specialised viruses from capturing password keystrokes or other confidential information from your internet sessions
  • Installing and updating the security patches from your browser.

You may wish to visit the following sites to learn more about anti-virus software.

www.symantec.com.au
www.mcafee.com

Some Common Internet Scams

In recent times there have been a number of scams on the internet which seek to defraud money from financial institutions and their customers. Some examples of common internet scams include:

Fraudulent email requests or 'phishing scams' - attempts to steal a customers log in details through sending out a fraudulent email which appears to be from a financial institution. The email requests that you supply your personal details such as your user name and password.

Creating a "ghost website" - which is branded with the targeted financial institutions logo and is similar in appearance and functionality. This ghost website is used to capture customer's details which are then used by the scammers on the legitimate institutions site to transact on the customers account.

Mule recruitment or money transfer schemes - often positioned as fake employment opportunities, these are an attempt to get you to receive illegal or stolen money and transfer them to criminals overseas. The criminals offer commissions and incentives in order to get you to receive money in your bank account and transfer it out again. These schemes are illegal and people who act as a mule and participate in these schemes can face criminal prosecution for money laundering and suspension of bank account(s).

Identity theft - This involves some one assuming your identity in order to open bank accounts, apply for loans and conduct other activity in your name for the purposes of stealing money or other benefits. Criminals can concoct elaborate plans in order to steal your personal information such as phishing scams, phoney fraud alerts and bogus job opportunities.

Phoney fraud alert - A phoney fraud alert is similar to a phishing scam. It can come in the form of an email or a phone call claiming to be from your bank or financial institution. The scammer will usually tell you that your credit card or account has been cancelled because it was involved in criminal activity, or because they suspect your card or details have been stolen. The scammer will ask you to confirm your credit card or account details so the ‘bank’ can ‘investigate’. You may be advised to contact a fake fraud investigations body, and discouraged from contacting your bank or credit union. If you receive an email, it may ask you to visit a website to confirm your credit card details or to find out more information on the supposed ‘fraud’ to your account.

Romance and dating scams -These can involve targeting dating websites or approaching people to build relationships with them through communication that appeals to your romantic or compassionate side. After building a relationship, they could claim to have fallen ill or had an accident, or be in a situation of despair and ask you for money to pay for expenses or help their 'situation'. They could also inform you of a large amount of money they would like to send out of the country or share with you. After obtaining bank account details or your money, they disappear.

How to protect yourself

To protect yourself from scams such as these you should adopt the following best practice procedures.

  • If you receive an email requesting your Member Number and Internet Banking Access Code for Easy Street Internet Banking, it should be treated as a fraud and deleted. Easy Street will never ask you for your personal or log in details by email.
  • Always log in directly from your browser and type in www.easystreet.com.au and then log in to Internet Banking.
  • Look for a locked padlock symbol at the bottom right hand corner of your browser
  • Change your password regularly and also check your statements regularly for any unauthorised transactions.
  • Never agree to requests to transfer money through your account for a commission or any other incentive
  • Never send money or give personal details to people you don’t know and trust.
  • Regularly check your credit card and/or bank statements to ensure that suspicious transactions are detected.
  • Shred all documents containing personal information, such as credit card applications and bank statements.

For further information on email scams that target financial institutions and tips on internet security visit: http://moneysmart.gov.au or www.scamwatch.gov.au