Protect Yourself From Internet Banking Fraud - The Mutual Bank | Here To Help

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Everyday Banking
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  All Transaction Accounts
  Enjoy no transaction fees on all of The Mutual Bank’s Everyday Banking accounts.
  
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  Access your money when and where you need it.
  
  Mighty Mutual
  Educate children on the importance of saving with a Mighty Mutual youth account
  
  Student Saver
  The Mutual Bank’s Student Saver account makes everyday banking easy.
  
  Retirement Account
  Flexible at call account, with a competitive interest rate.
  
  Loan Saver
  Flexibility of an at call account while reducing the interest on your home loan.
  
  100% Offset
  Pay less interest over time, reducing time it takes to pay off your loan with a 100% Offset Account.
- Savings Accounts
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  Internet Saver
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  A simple and secure way to grow your savings.
  
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  Secure your savings with a guaranteed rate, for a term that suits you.
  
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  Manage your Self Managed Super Funds cash with The Mutual Bank’s range of SMSF solutions.
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Home Loans
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  If you are looking to buy your first home, upgrade or refinance, we have the home loan that is right for you.
  
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  Owner Occupied Budget Home Loan
  Our Budget Home Loan features a low ongoing variable interest rate.
  
  Owner Occupied Mutual Home Loan
  A quality Home Loan with a low ongoing variable interest rate and flexible features.
  
  Owner Occupied Premium Home Loan
  The Mutual Bank’s Premium Home Loan features best value inclusions and discounts.
  
  Owner Occupied Standard Variable Home Loan
  Featuring a 100% Offset Account to help reduce loan interest over time.
  
  First Home Buyer
  We are here to help - with our First Home Buyer Package Home Loan and the addition of government support Schemes.
  
  Express Credit
  Combine your Home Loan and Everyday Accounts into one.
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  If you are looking to buy your first investment property or refinance an existing investment, Talk to us… about an Investment Home Loan
  
  Investment Package Home Loan
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  Investment Budget Home Loan
  Features a low ongoing variable interest rate.
  
  Investment Mutual Home Loan
  A quality investment home loan with low ongoing variable interest rate and flexible features.
  
  Investment Premium Home Loan
  Featuring best value inclusions and discounts.
  
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  Featuring a 100% Offset Account to help reduce loan interest over time.
  
  Investment Express Credit
  Access the equity in your investment property.
Business Banking
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  Business Internet Saver
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  Business Cheque Account
  Best value business transaction account with no annual fee, no account-keeping fees and no transaction fees.
  
  Business Maximiser
  Earn interest with flexible and convenient access to funds.
  
  Community Saver
  Designed exclusively for not-for-profit organisations to facilitate fundraising and manage day to day transactions or for savings.
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Business Loans
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About Us
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  Latest News
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  Mutual News
  View digital editions of the Mutual News member newsletter.
- Who We Are
  Our History
  The Mutual Bank was established with the mission to ensure that financial investment stayed within the local area.
  
  Board of Directors
  The Mutual Bank's Board is elected by, accountable to, and proudly represents our members.
  
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  As a mutual bank, we are 100% owned by our members. Bank local to support local.
  
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- Community
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- Corporate Information
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  Commitment to excellence in governance standards.
  
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  View the highlights of The Mutual Bank's most recent annual report.
  
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  We have an obligation to our members and the wider community to operate in a socially responsible manner.
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  View our Product Disclosure Statement Part 1 & Part 2, Financial Services Guide, Credit Guide & Credit Card Conditions of Use here.
  
  Visa Dispute
  Steps to resolve a Visa Dispute.
  
  Financial Hardship
  We have been committed to providing assistance to members who are experiencing financial hardship since we commenced operations in 1888.
  
  Dispute Resolution
  Steps to resolve complaints and disputes.
  
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  Website Terms of Use
  
  Notice of Meeting
  The 132nd Annual General Meeting will be held on 24 September 2020.
  
  Open Banking and Consumer Data Right
  What is it? And what does it mean for you?
  
  Deceased Estates
  Here when you need it most
- Your Security
  Lost or Stolen Cards
  If you’ve lost your card or it was stolen, you can immediately block it and request a replacement.
  
  Fraud Prevention
  How to protect yourself from identity theft.
  
  Internet Banking Fraud
  Tips that will help protect you against Internet Banking fraud
  
  Card Fraud
  Tips to protect yourself from card fraud.
  
  Verified by VISA
  Verified by Visa is a free service that protects you when you use your Mutual Visa Card to purchase online from participating stores
  
  Financial Claims Scheme
  Financial Claims Scheme (FCS) which enables account holders quick access to deposits that are protected under the FCS.
  
  Security Tokens
  Security Tokens are free for members and ensure your Internet Banking experience is as secure as possible.
  
  Anti-Money Laundering
  Financial Institutions in Australia are governed by the Anti-Money Laundering and Counter-Terrorism Financing Act which came into force in 2006.
  
  External Transfer Daily Limit
  How to increase your Internet Banking external transfer daily limit
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  Health & wellbeing
  The Mutual Bank promotes workplace safety and personal wellbeing.
  
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  Positions vacant
  If your values align with The Mutual Bank and you would like to apply for a position we would like to hear from you.
Tools
- Banking Solutions
  Accessing Your Money
  Discover all the ways you can access your money.
  
  The Mutual App
  Keep track of your finances from anywhere, anytime with easy access for your banking needs.
  
  Mobile Payments
  Mobile payments are now available at The Mutual Bank.
  
  Travel
  Convenient access to your money while you travel.
  
  Bank@Post
  Do your day to day banking on your Everyday Account Australia wide with Bank@Post.
  
  International Services
  Send or receive funds from overseas with The Mutual Bank’s international banking services.
  
  Apple Pay
  Welcome to easy, fast and secure payments with Apple Pay.
  
  Google Pay
  Easily add your Mutual Visa Card to Google Pay.
- Interest Rates
  Home Loan Interest Rates
  
  Investment Home Loan Interest Rates
  
  Mutual Visa Credit Card & Personal Loan Interest Rates
  
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- Calculators
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  The Mutual Bank offers a range of handy calculators for you to better manage your finances.
  
  Home Loan Repayment
  Find out how much your monthly home loan repayments could be and the estimated total interest that may become payable on your home loan.
  
  Introductory Loan
  The Introductory Loan Calculator enables you to calculate your repayments at a standard interest rate and at an initial ‘introductory’ or discounted interest rate.
  
  Borrowing Power
  The Borrowing Power Calculator enables you to calculate how much you can expect to borrow based on your current salary and existing financial commitments.
  
  Extra Repayments
  See the effect of making regular extra payments on your loan.
  
  Loan Comparison
  Compare two loans and work out which one is best for you.
  
  Lump Sum Repayment
  See the effect of making a one off lump sum payment to your loan.
  
  Stamp Duty
  Calculate the Stamp Duty incurred and First Home Buyers bonuses in any state or territory within Australia.
  
  Split Loan
  Calculate the effect of splitting your loan into fixed and variable components.
  
  Personal Loan
  Calculate the repayments on a personal loan.
  
  Car Loan
  Use this calculator to see if you can afford to buy that car.
  
  Savings Plan
  Determine how a savings plan will boost your account balance over a selected period of time.
  
  Budget Planner
  Calculate your surplus income by reviewing your income and expenses.
  
  Term Deposit
  See the growing potential of your savings.
  
  Income Tax
  Calculate the amount of tax on your annual income.
- Enquire
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  Home Loan Enquiry Form
  
  Business Banking Enquiry Form
  
  Personal Loan Enquiry Form
  
  Mutual Visa Credit Enquiry Form
  
  Personal Membership Application Form
  
  Financial Planning Enquiry Form
  
  General Enquiry Form
  
  Credit Card Limit Reduce or Close
  
  Personal Banking Enquiry Form
  
  Internet/Phone Banking Registration Form
- Key Fact Sheets
  Key Fact Sheets

Internet Banking fraud occurs when someone uses your details to access your account through Internet Banking and illegally transfers funds to a different financial institution.

Access to your login details is usually made possible through techniques such as hoax emails or by accessing Internet Banking from a computer you can’t trust.

Tips that will help protect you against Internet Banking fraud:

Ensure you have up to date anti-virus and anti-spyware software installed on your computer.
Do not share your passcodes or passwords with anyone else including family and friends.
If you use public or free wifi we strongly suggest you use a security token as an additional security measure.
If you have accidentally given out personal information, change your access code immediately and report the matter to The Mutual Bank's friendly staff.
Always access Internet Banking by typing themutual.com.au in your browser and clicking on the Internet Banking login link.
Do not save internet banking as a ‘Favourite’ or shortcut link on your web browsers such as Internet Explorer or Chrome.
Always look for the SSL encrypted connection as indicated by the https:// and a padlock in the top address bar.
Always logout from your Internet Banking session and remember to close your browser.
Do not use computers at public places, such as Internet Cafes, for Internet Banking.
Never reply to any emails asking for personal or account information.
Change your Internet Banking access code on a regular basis.
Regularly check your account balances and immediately report any discrepancies.
For an additional level of security, request a security token for transactions.

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Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Interest rates and credit fees and charges may change without notice. Please review our Product Disclosure Statement, Financial Services Guide and Credit Guide before acquiring the product.

Maitland Mutual Limited trading as The Mutual Bank ABN 94 087 651 983 AFSL/Australian Credit Licence 238139