Card Security

• Verified by Visa provides an extra level of protection for online purchases made through participating retailers.
• Be discriminating when providing personal information online. Never give out your personal or account information to anyone you do not trust. And make sure to verify a business' legitimacy by visiting its website, calling a phone number obtained from a trusted source, and/or checking with a reliable source.
• Keep your passwords secret. Some online stores may require you to register with them via a username and password before buying. Online passwords should be kept secret from outside parties, the same way you would protect your card PIN.
• Look for signs of security. Identify security clues such as a lock image at the bottom of your browser, or a URL that begins with https://. These signs indicate that only you and the merchant can view your payment information.
• Never send payment or personal information via email. Information that travels over the internet (such as email) is not fully protected from being read by outside parties. Most reputable merchant sites use encryption technologies that will protect your private data from being accessed by others as you conduct an online transaction.
• Keep a record of your transactions. Just as you save store receipts, you should keep records of your online purchases. Back up your transaction by saving and/or printing the order confirmation.
• Review your monthly account statement thoroughly. Immediately investigate suspicious activity to prevent any possible additional fraud before it occurs. Promptly notify G&C Mutual Bank of any suspicious email activities.
• Only open and respond to emails that pass some basic tests, such as:
  
  • Is this email from someone you know?
  • Have you received an email from this sender before?
  • Are you expecting an email with an attachment from this sender?
  • Does the email from this sender with the contents described in the subject line and the name of the attachment make sense?
  • Does this email contain a virus?

Keep us up to date if you change your contact details including home, work and mobile numbers and your email address. This will assist us in contacting you quickly if we detect suspicious transactions.

It is also important to protect yourself when using ATMs and eftpos.The easiest way to keep your money safe and reduce the chance of becoming a victim of card fraud is to protect your PIN. Your PIN is the secret code that protects your card transaction account. Make it a habit to protect your PIN:

• Set a PIN that can’t be easily guessed
• Never share your PIN with anyone
• Always cover your hand when entering your PIN
• Always keep your card in sight when making payments

Refer to our ePayments Conditions of Use contained within Account and Access Facility Terms & Conditions for more information.

Lock your card

• Log into our Mobile App and select "Cards" from the Menu and select "Lock Card"

Report lost, stolen or captured card

• Please contact us immediately if your G&C Mutual Bank credit or debit card is lost, stolen or captured. Call us on 1300 364 400, 24 hours a day, 7 days a week.
• For overseas assistance, call us on +61 2 9307 5400 or contact Visa Global Customer Assistance +1 303 967 1090 (international) or the VISA International Hotline specific to the country you are in.
• Email us with the subject: URGENT lost or stolen card

• Contact us before you travel overseas so we can monitor your account more closely. You will also avoid transactions on your cards being stopped by us when we detect overseas purchases. We will need to know your departure date, return date, destination and contact details while you’re away.
• Alternatively, you can complete the Overseas Travel Form within our Mobile App.
• Read more about staying financially safe overseas to ensure your travels are memorable for all the right reasons.

Members can manage their card security preferences for local and international transactions and ATM withdrawals in our Mobile App.

• Log into our Mobile App and select “Cards” from the Menu. If you have multiple cards, swipe left to right to change between cards. Scroll down to view and toggle your preferences as required.
• Learn more about digital cards and our Mobile App.