You can use Internet Banking on your computer’s web browser or by downloading apps to use on your phone or tablet device.
Your Internet Banking is protected by a password you choose. New Internet Banking customers will be given a temporary password that they can change on their first login.
Some things to remember when creating your password:
- Never use details such as your first or last name, address or phone number
- Never use consecutive numbers (eg. 123456) or repeated characters
- Never use your date of birth or any other account holders
- The password must be at least 8 characters long but no longer than 15 characters
- It must include at least one of the following: a capital letter, a lowercase letter, a number and a special character (eg. ! # . $)
Remember to keep your password safe. Do not write it down or disclose your password to anyone.
To change your password, log in to Internet Banking, select Manage Security and follow the prompts.
If you make three incorrect attempts to enter your username or password you’ll be locked out of your account and you’ll need to call us on 138 001 or visit your nearest branch.
Second Factor Authentication
MyState has a second layer of security when logging into your Internet Banking account – the personal icon stage, where you are required to select three icons in the correct order.
In the event that your password was compromised, the second stage personal icons help to prevent someone from accessing your accounts.
To change your personal icons, log in to Internet Banking, select Manage Security and follow the prompts.
How doe SMS Security work?
We encourage our customers to upgrade their Internet Banking security by linking their mobile phone number with their Internet Banking account. This allows you to use SMS Security.
SMS Security uses a mobile phone number you nominate. When you try to make some kinds of Internet Banking transactions – for example, transferring funds to someone new – you will be asked to enter a secure code to authenticate the transaction. This one-off secure code will be sent to your mobile phone as a text message and you’ll enter the code into Internet Banking to authenticate the transaction.
By using the SMS Security code to authenticate your transactions you eliminate the risk of someone accessing your account and transferring money, even if they manage to log in to your account.
Important: If we send you an SMS and you haven’t initiated a payment, contact us immediately on 138 001.
You can upgrade to SMS Security by calling our customer service team on 138 001, visiting your nearest branch or logging in to Internet Banking and sending us a secure mail message.
Protect your computer
Install antivirus software and keep it up-to-date
- Install antivirus, anti-spyware and firewall software on your computer and mobile devices.
- Antivirus programs are easy to install and can be purchased online and downloaded straight to your computer or mobile device. Alternatively, you can purchase disks in store that contain antivirus software.
A computer virus is a program that attaches itself to another program, but changes the action of that program which allows the virus to spread. Viruses range from harmless but annoying pranks, to programs that can destroy a computer.
Antivirus software is designed to protect your computer against known viruses, worms and Trojan Horses. A Trojan Horse is a program disguised as harmless, such as a game or a screen saver, but in fact allows an intruder to take control of your computer without you knowing. Once in your computer, viruses can do anything the virus creator programmed them to do – like wipe the contents of your hard-drive, make your computer run slowly or forward the virus to all the contacts in your address book via email.
Some viruses track the information you enter into a computer, such as passwords and access details, and send the information to criminals. Even if you are very careful when you use the Internet, you can still get a virus without realising it.
The best way to guard against, or to remove existing viruses, is to install an antivirus program. Just make sure you purchase it from a well-known, reputable brand because fraudsters can also disguise viruses as antivirus software. If you don’t feel comfortable installing antivirus software yourself, many companies provide a service where they access your computer, remove existing viruses and install the software for you.
Do not access Internet Banking if you are concerned that your computer may be infected with a virus, worm or Trojan Horse.
Check for software updates regularly
- Ensure that your antivirus software is kept up to date and install any updates immediately.
- Once installed, you should ensure you have the automatic updates feature turned on to maximise your computers protection against new viruses.
Scan all the files on your computer periodically including incoming and outgoing emails
- Allow a regular scan of your computer or mobile device using antivirus and anti-spyware software. Follow the instructions from your software provider to do this.
- Consider using a SPAM filtering product which will help block fake or virus-related emails.
- Make sure your computer’s operating system is up to date by ensuring automatic updates are switched on and any updates are installed when they become available. You can usually download these for free from the vendor’s website.
For more effective Internet protection, try using a firewall which acts as a gatekeeper between your computer and the Internet.
A firewall is a piece of software or hardware that filters all Internet traffic between your computer and the outside world. Firewalls help to better protect your computer from offensive websites, spam and unauthenticated logins from potential hackers.
For more specific information about how to protect your computer or mobile device, please visit theMicrosoft® Safety & Security site or the Apple® Product Security site.
Keep your browser up-to-date
Along with installing antivirus software, you should make sure your computer operating software is up to date by always installing the free updates, such as those from Microsoft Windows or Apple Mac when they are released. As well as providing regular security fixes, these updates often include software improvements, bug-fixes and new features that will make your computer run better overall.
For security purposes, MyState’s Internet Banking service does not support Internet Explorer 6 and older web browser versions. To use this service, we recommend you use the latest version of your web browser, as out-dated versions may contain 'bugs', security vulnerabilities and limitations that may make using Internet Banking more difficult and less secure. You can download one of the browsers by clicking on the link and following the instructions.
The following are the minimum browser versions supported:
- Google Chrome 3.0 or higher (Windows)
- Internet Explorer 7.0 or higher (Windows)
- FireFox 3.0 or higher (Windows or Mac)
- Safari 3.1 or higher (Mac)
- Opera 8.0 or higher (Windows or Mac)
Internet Banking may work on earlier versions of the above software or on other browser types that have not been listed, however, we strongly recommend using the above types and versions to maximise your security.
We use 128-bit Secure Socket Layer (SSL) data encryption to provide the best protection for your Password and account details.
Look for the padlock symbol
A closed padlock symbol displayed in your browser confirms that your Internet Banking session is encrypted. You can click on this padlock to view details of the digital signature.
Look for the ‘s’ prefix
The ‘https’ prefix, as opposed to the regular ‘http’ prefix in the website URL, indicates a secure connection. This means that the details you enter into the website, such as your customer number and Password, will be encrypted and more secure. You can use this tip for any website that you visit where you are entering your secure access details.
Extended Validation SSL Certificate
Extended Validation SSL Certificates were created in response to the rise in Internet scams, and they make it easier for customers transacting online to know that the site they are using is genuine.
Our Internet Banking security meets the stringent requirements required to obtain one of these certificates. If you are using a modern web browser that supports this technology, when you access Internet Banking you will notice:
- the address bar will turn green
- the security status bar will confirm that the secure certificate was issued to MyState
- the security status bar will also tell you that MyState Internet Banking has been identified by VeriSign for Extended Validation
So, when you see green in the address bar you can be sure that you are on MyState’s Internet Banking - verified by an independent website security company.
For more details on Extended Validation Certificates, visit VeriSign.
Your Internet Banking session will automatically time-out after 10 minutes to reduce the risk of someone else using your computer if you walk away from it. This is particularly important when using public computers to do your banking. You should always log off Internet Banking before walking away from your computer.