Frequently Asked Questions
These are answers to the most commonly asked questions regarding Online Banking. Simply click on the
subject to find the information you need.
You can check back to these even when using Online Banking, by pressing Alt+Tab to switch between browser windows. Last updated
27th April 2006.
New Online Banking System Quick Reference Guide
What are the changes to the toolbar buttons
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FAQ Quick Reference
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What browser settings must I use to access the Internet banking system?
The browser you use should:
These are normally included as your browser's default settings, but please check the notes on this page.
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Internet Browser settings
Errors and Connection Problems
Problems connecting to Online banking are generally due to your Internet Browser settings not being quite compatible with our secure site. The following messages show the most common errors and their solutions. 1. The login window won't open when I click on Online Banking Login on the home page
Fortunately most can be quickly solved but you may need to refer to your technical adviser or service technician
if unsure of these terms.
or the screen says 'The page is not available" or "Done"?
This can be caused by a 'popup stopper' or 'ad blocker' program on your computer.
These are designed to stop annoying popups on some websites, but they also stop the login window from opening too. Please disable while doing online banking.
+ It may also be that Active Scripting is not enabled in your browser. In Internet Explorer, click on Tools, Internet Options, Security, Internet, Custom Settings. Active scripting must be 'enabled' with these settings:
Automatic prompting for ActiveX controls - enable. this setting is also called ActiveX controls and plugins in some versions.
Binary and script behaviours - enable. Download signed ActiveX controls - enable.
Download unsigned ActiveX controls - prompt. Initialise controls not marked as safe - prompt.
Run ActiveX controls and plugins - enable. Script ActiveX controls marked safe - enable.
Then down to Scripting - Active Scripting - enable. Allow past operations - enable and Scripting of java applets - enable..
† The login window uses a Java script also known as Microsoft Virtual Machine or Microsoft VM. This is included in most browsers but please check the notes on java in 3.e below especially if you have recently installed or reinstalled Windows XP.
† Some versions of the aol browser have an inbuilt popup stopper, please open a seperate internet explorer window to use online banking.
†† If you get an error message saying the certificate has expired, please check that you have the latest version of your browser including security updates and also the date on your computer.
Your browser does not have the high level of security encryption required to access online banking. See the browser settings section of these notes.
4. After I enter my Member Number and Password, the screen gives a ‘timeout error’ message.
This can be remedied by altering the browser settings.
Click on Tools, then Internet Options. On the General tab, in the middle section ‘Temporary Internet files’, click on
Settings. Alter ‘Check for newer versions of stored pages’ to the option – Every visit to the page. Click on OK, and OK.
5. After I enter my Member Number and Password, the screen says 'Access Denied'?
You are entering the wrong password. If you enter this incorrectly three times, you will get a notice warning that you will be deactivated if you try again. Please phone Companion On Call on 131609 before you try again.
6. After I enter my Member Number and Password, the screen says 'Host Communications Error'?
This indicates congestion between your computer and our secure data centre and is usually cleared within a few minutes or so. Please leave for a few minutes and try again.
7. After I enter my Member Number and Password, the screen says 'The server cannot find the url you requested' or "The page cannot be displayed"?
This is caused by your browser not accepting 'cookies'. Internet Explorer 6 users, please check in Internet Options on the Privacy tab that this setting is either Medium or Medium High.
8. After I enter my Member Number and Password, the screen says "CONNECTION EXPIRED You are now signed off. Click Ok to close this window"?
This is caused by your browser not clearing the 'cookies' from a previous session. See the Cookies section for more information. Internet Explorer 6 users, ensure that you have the latest security updates for your browser, available from Tools, Windows Update.
If you continue to have login problems, please check that you have the latest updates for your internet browser and Operating System (Windows). These updates are recommended for your continued security and can be downloaded through Windows Update. Click on Start, Windows Update or open Internet Explorer and select Tools, Windows Update.
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Alternately, you may wish to use an alternate internet browser such as Netscape or Firefox.
If you are unsure of how to do this, please contact your PC maintenance service or the dealer from whom you purchased the PC.
What are Cookies?
Cookies are small data packets that can be stored on your computer by an application you are interacting with over the internet. We use cookies to monitor the state of our server's connection with your computer.
To use our application your browser must be instructed to accept cookies. Your
browser may be set to do this already, in which case you may be unaware that cookies are being exchanged between our computers. If
not, you will probably receive messages from your browser asking whether you want to accept cookies.
At the end of your session our application always removes any cookies we have placed on your PC. Be assured we do not use cookies for any purpose
other than to monitor the status and integrity of your current session.
What are my browser's Temporary Internet Files?
Also called "the cache" (in Netscape and Firefox and IE for Macintosh), this is where the browser
stores website pages it has received over the internet. It does
this so that it can speed up your internet sessions by only
downloading pages that have changed. You can press "Refresh" or
"Reload" on your browser to update the page but if you are getting
a 'white screen' or timeout, your browser may be reading old
incorrect data. See the procedure below for clearing your cache.
How do I clear my browser's Temporary Internet Files?
IE6 users can do this by clicking on Tools, Internet Options and in the Temporary Internet files section,
click on 'Delete Files'. In the next dialog box, put a tick in 'Delete all offline content' and click OK. To check that all files have been deleted, click on Settings, View Files. This box should be empty. If not, select and delete any files. Close this box and Click OK.
Lastly, in the Advanced tab, click on Restore Defaults, Apply and OK. Please restart Windows to ensure these new settings take effect.
The program does not fit on the page.
The screen settings are probably on 640 by 480. They must be 800 by 600, see the next question.
Why do I always need to scroll down to see the full screen on each option?
This may be because your display settings are set to a
resolution of less than 800 x 600. You can check these (and change
them) via the "Control Panel" Display settings if you are using a
Microsoft Windows operating system. If you are unsure of how to
check or modify your display settings please contact your PC
maintenance service or the dealer from whom you purchased the PC.
You need to ensure that changing any settings will not affect any
other programs on your computer before you make any changes.
It may also be because you have added a toolbar to the window display. If you are unsure of how to check this please contact your PC maintenance service or the dealer from whom you purchased the PC.
Why is it that some boxes or buttons on my browser's window are not displayed
correctly?
Your PC could be running out of assigned memory. Close down
some other applications you have open to free up memory. Your
display settings may also not be correct for your monitor or you
may not be using the correct driver for your monitor. Please
contact your PC maintenance service or the dealer from whom you purchased the PC.
The calendar I use to select dates for Transaction History or Download Transactions inserts year 2100 instead of 200x. Why is that?
Most probably your PC is not Y2K compliant. You could ask your PC maintenance service or the dealer from whom you purchased the PC to
check it for Y2K compliance, or merely type the To Date and From Date into the appropriate boxes instead of using the calendar
facility. Also check that Windows has not made a mistake when changing to/from daylight savings time.
Why is my Member Number and password not being accepted?
The most likely reason is that you have typed your member number or password incorrectly.
Please note - as a security measure, if the wrong password is entered three (3) times, you will receive a warning that you will be Deactivated if you try again. Please do not try again or you will be deactivated. Please contact Companion On Call on 131609 as soon as convenient.
Another reason could be that your Internet Browser Options/Preferences are set not to allow acceptance of cookies. For more information about cookies please refer to Question "What are cookies?".
The other reason for rejection may be that your browser is not the high security (128 bit encryption) version. If it isn’t, whenever you click on Sign In, it will simply clear the boxes where you entered your member number and password.
Sometimes the system rejects what I have chosen as my new password. Why is that?
Here are some rules for passwords:
Passwords should be at least 6 characters long (maximum 13) and can either be all numbers, all letters or a combination.
To ensure the safety of your password:
Always logout when you have finished your session.
Back to Index Internet Browser settings Errors and Connection ProblemsPlease select Transact..
Transfer Funds Between Accounts.
Transfer money between your accounts and to other Companion Members using the option Transfer.
You can set up Regular Transfers between these accounts (weekly, monthly etc).
Credit External (was called External Transfers).
Transfer money to other financial institutions in Australia. You will need a valid Bank State Branch (BSB), Account Name and Number.
It is very important to have the correct details because incorrect information will mean rejection of the payment and may attract fees..
Please check these with the payee, including the account number (not more than nine digits).
Transfers to other financial institutions during business hours are forwarded to our data centre twice daily. They are then processed by the other bank's data centres and depending on their scheduled workload, can be in the payee's account late the next business day or the day after.
Transfers done before 3pm in business hours are usually received within 24 working hours and after 3pm usually within 48 working hours.
Please note that the balance of your account may not immediately reduce by the amount of the transfer if done outside business hours.
Credit External Transfers are subject to a daily limit of $5,000 per day. Call 131609 during business hours to arrange a higher limit.
Personal Payees List.
To delete the details of transfers that are no longer required, please select the option Personal Payees. Similarly, payee details can be modified with this option too.
When I want to Transfer Funds not all my accounts appear in the account drop-down
boxes. Why is that?
There are some accounts you cannot Transfer Funds to or from. These are not shown in the drop-down boxes and include:
Sometimes I cannot Transfer Funds to a loan account. Why is that?
You cannot transfer funds to a loan account, other than an overdraft account, if the transfer would place the loan account in credit.
Sometimes when I transfer Funds to another Savings account it does not increase the available funds of that account. Why is that?
Some Savings accounts require deposited funds to be retained for a certain minimum period before they can be withdrawn. The available
funds of these accounts are not increased until that minimum number of days has expired.
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Internet Browser settings
Errors and Connection Problems
Why is it that
sometimes when I perform a funds transfer or an ATM or EFTPOS
transaction, it does not appear when I go back and review
transaction history?
All transactions to other financial institutions and those
performed after our close of business are processed on the
following business day and that is when they will appear on your
transaction history. Your available balance is adjusted
immediately.
Why is it that
when I Transfer funds it does not appear on my transaction history
immediately and it does not update the available funds balance of
the account immediately?
Payments are effected by creating a one-time payment authority on our banking system. The payment will be processed on our next
business day and that is when it will be posted to your account and appear on your transaction history. As with the use of cheques, it
is your responsibility to ensure that there are sufficient funds available in the account to cover the payment.
When I perform a Funds Transfer I receive a Reference Number. What is this?
The Reference Number is a unique number that enables you to reconcile the transaction you have performed over the internet with
your periodic account statement. It also enables us to quickly investigate any queries you may have about transactions you have performed.
Why do I receive a message "System is not Available"?
Sometimes we perform housekeeping functions on the internet server. These only take a couple of minutes but can interrupt service while they are in progress.
Back to Index Internet Browser settings Errors and Connection Problems
Security How secure is the system?
Security for Companion Members' accounts and transactions is of utmost importance. Our browser-based Online Banking service uses
the latest 128 bit digital encryption certificate to protect your data when it is being sent over the internet. You can confirm your Online Banking session is encrypted by the appearance of a "padlock" symbol at the foot of your browser.
We recommend that you regularly update your browser with the latest security upgrades and your anti-virus scanner with the latest virus data files. Also don't allow other people to install software on your computer, and avoid public internet terminals for online banking.
You can also prevent viruses by not downloading software from unknown sources and not opening email attachments unless they have been checked by an uptodate virus scanner.
See our Fraud Alerts page for more information.
What fees and charges apply?
Information provided by Online Banking is available without any Companion Credit Union charges. Similarly, funds transfers and BPAY
payments are free too.
Why am I deactivated?
As a security measure, if the password is entered incorrectly three times, members will have their access deactivated. This is to
stop someone trying to guess your password.
To be reactivated, members will have to contact Companion On Call on 131609 and provide adequate identification to the operator.
When I download data to my PC to use with Microsoft Money, how can I use this in Money?
Simply use the Import facility in the File menu.
When I try to download my Transaction History, I get an error ‘Password is required'?
This is an issue with the way your browser manages internet downloads. To resolve this, place the Online Banking site into your Trusted Sites.
In Firefox, use Tools, Options, Web Features, Allowed Sites. Enter website as above and click on OK, OK.
In Netscape, right click the tab, select Site Controls and click in I Trust This Site.
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