These terms govern your use of the Mobile Banking App (Terms of Use), together with the Conditions of use—Accounts and access and any other relevant terms and conditions governing your accounts (collectively called the Terms and Conditions). You should read and understand these Terms and Conditions before using the app as downloading the app from the App Store or Google Play is your acceptance of these Terms and Conditions.
If you are an existing Mobile Banking App user, these Terms of Use will replace the Terms of Use previously accepted by you.
It is an app that you download onto your mobile device. It enables you to perform a range of banking services using that mobile device. You can download the app onto up to four mobile devices.
The app is available for download without charge from the App Store (for iPhones) and Google Play (for Android phones) in Australia.
The app enables you to use your mobile device to:
There is a range of features set out on our website that the app enables you to do your banking with us.
In order to download and to use the Mobile Banking App on your mobile device, you must have a compatible mobile device and download the app from App Store for iPhones or from Google Play for Android phones.
Once you have downloaded the app onto your device, you will be prompted to register your device to use the app. Your device will be registered with us once you enter your Member number and electronic banking password. After your first use of the app you can change your login to:
We will notify you from time to time to upgrade the app. When you received notice, you must upgrade the app as soon as possible.
An upgrade is for your protection. It will deliver enhancements, new services and security features.
We do not warrant that the app is always available 24/7 365 days a year. There may be times when the app is temporarily unavailable. Usually, this happens when we are conducting maintenance or system upgrades.
The availability of the app is also dependent on the technical services we received from our third-party service providers that help make the app work.
Once you are a member with us, you can use the app to view account balances, view transaction history, view pending transactions, schedule future payments, change your login to PIN/Pattern or biometric, view quick balance, transfer between accounts, pay anyone using BSB and account number or PayID, BPAY, report lost/stolen card, block/unblock card or order a new card.
We do not charge any fees for the use of the app (including when you download the app). You can find out about fees and charges by accessing our Fees and Charges brochure.
Data charges may be charged by your internet service provider for using the app.
Our online services may not always be available. We will endeavour to keep outages and down time to a minimum.
We may suspend or terminate your use of the app without notice at any time for one or more of the following reasons:
(a) to comply with any change or anticipated change in any relevant law, code of practice, guidance or general banking practice;
(b) to reflect any decision of a court, ombudsman or regulator;
(c) to reflect a change in our systems or procedures, including for security reasons;
(d) to respond to changes in the cost of providing the Mobile Banking App;
(f) to make them clearer or to add features;
but will only do so in order to protect our legitimate business interests, and only to the extent reasonably required to do this.
We will give you:
(a) notice at least 30 days before we:
(b) notice of other changes to these terms of use no later than the day of the change, or if we believe the change is unfavourable to you, 20 days before the change takes effect.
You can use the app to make payments. Payments are processed using the BSB and account number or PayID (for instance an email address, mobile phone number or ABN), without using the recipient's name. Please take care to enter the correct BSB and account number or PayID as you may not be able to recover a payment if it is credited to a mistaken account. Please refer to the Conditions of Use for more information on how we deal with mistaken payments.
If you have the app installed on an iPhone or Android device that has facial or fingerprint recognition function available, you will be able to turn on biometric recognition function to access for the app. Turning on biometric recognition function for the app means that you can access the app using facial recognition or your fingerprint instead of your PIN/Pattern.
You must not turn on biometric recognition function to access for the app if you have any facial recognition or fingerprints data stored on your device other than your own. If after turning on biometric recognition function, you allow other people to use their facial recognition or fingerprints on your device, you must first turn off the biometric recognition function which allows for access to the app.
If you do allow anyone else’s facial recognition or fingerprints function to be stored on your device (despite this being against these Terms of Use):
Biometric recognition access for the app can only be turned on if it is available on your own iPhone or Android device and has been enabled by you on your device.
Biometric recognition function is technology provided by respective devices manufacturers and accordingly we are not responsible:
If you choose to use facial or fingerprint recognition function to access the app, you will still need your PIN/Pattern and must set and protect your PIN/Pattern in the manner outlined in these Terms of Use.
1. Mobile Banking App PIN/Pattern
a. You have the ability to set up a PIN (must be 6 digits) or Pattern for use with the app. Once registered, the PIN/Pattern can be used to access the app.
b. You can change this PIN/Pattern after logging into the app.
2. How to protect your app PIN/Pattern
a. You should always:
i. Memorise your PIN/Pattern as soon as possible—if you record it, disguise it so others can’t decipher it.
ii. If you nominate a PIN, use a number that is not obvious or can’t be easily guessed (for example, don’t use your date of birth).
iii. Take precautions when using the app (for example, don’t let anyone watch you enter your PIN/Pattern).
b. You must never:
i. Tell or let anyone find out your PIN/Pattern—not even family or friends.
ii. Record a PIN/Pattern on your device or computer.
iii. Keep a record of the PIN/Pattern with your device.
Please contact us immediately on 13 61 91 if your phone is lost or stolen. We will not be liable for any unauthorised transactions or loss resulting from any unreasonable delay to report your mobile device as lost or stolen, except where that the loss is caused by our fraud, negligence or wilful misconduct (including that of our officers, employees, contractors or agents).
You may register up to four mobile devices for use with the app. To register an additional device, simply go to the App Store or Google Play and download the app. You are then required to register your additional device using your Member number and electronic banking password. You can then view the devices to which the app had been downloaded and you can manage your devices through the ‘hamburger’ menu. You can use one device to deactivate remotely the app that is available on another device.
You will need to re-register for the app when you have either:
By reordering your accounts via the app you only modify the account list for viewing while inside the app. The changes made to your account order or view will NOT be reflected elsewhere (for example, Internet Banking).
By downloading and using the app, you agree you will:
We may change these Terms of Use at any time in the same manner as set out in the Conditions of Use – Accounts and access. We will notify you of any material changes by sending electronic notices to you via your device or via the Mobile Banking App. We may require you to confirm your acceptance of changes as a condition of allowing you to continue using the app.
Australian Mutual Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL 238981
™Android, the Android logo, Google Play and the Google Play logo are trademarks of Google Inc. Apple, the Apple logo, Apple Watch, iPad and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
*You should consider whether this service is appropriate for you before acquiring it. For additional information please refer to our Security Guide for electronic transactions and Mobile Banking App Terms of Use, available online. Internet connection is needed to access the Mobile App. Normal mobile data charges apply. We test mobile banking to ensure compatibility with the majority of popular devices but cannot guarantee compatibility with all devices and operating systems.
