Mobile Banking App Terms of Use

These Terms of Use, together with our Fees and Charges Schedule, govern your use of the Mobile Banking App.  
Please also ensure that you read about your liability for unauthorised transactions on the Mobile Banking App in Electronic Access Facilities and ePayments Conditions of Use in our Credit Union Account & Access Facility brochure.
 

1    Getting Started

You will need to be registered with Online Banking before being able to use the Mobile Banking App. You will be required to have a member number as well as a password. If you have not registered with Online Banking, contact us on 02 6862 2788.

2    Introducing the Mobile Banking App

With the Mobile Banking App, you can pay your bills using BPAY® and make payments to others using their Australian BSB and account number, check your account balance(s), transaction history, and transfer money between your CWCU accounts. 
You can also use 'Tap & Pay' to make ‘contactless’ payments at merchants with compatible terminals on Android devices running 4.4 KitKat and above. 
You must only use the Mobile Banking App with a compatible iPhone or Android device. You can install and register the Mobile Banking App onto multiple devices (3 max).
® Registered to BPAY Pty Ltd ABN 69 079 137 518
 

3    Making payments 

3.1    Making Payments using a BSB and account number

Payments will be processed by BSB and account number only, without using an account name. Please take care to enter the correct BSB and account number as you may not be able to recover a payment if it is credited to a mistaken account eg. if there are no funds in the account.
 

3.2    Making Payments Using BPAY

Payments will be processed by using a valid Biller Code and Customer Reference Number. Although the Mobile Banking App performs checks for a valid Biller Code, it is your responsibility to ensure all details are entered correctly as you may not be able to recover a payment if it is credited to the wrong Biller or to an incorrect Customer Reference Number.
 

3.3    Tap & Pay using your Tap & Pay supported device

The tap and pay functionality of the app is designed for compatible Android devices running Android version 4.4 or a later operating system, offering a fast, simple and convenient mobile banking experience. The Tap & Pay functionality is available to CWCU members who hold a CWCU Visa payWave Debit card. 
For Tap & Pay supported devices, the Mobile Banking App will provide the ability to set up Tap & Pay directly on your device, without the need for a PayTag.
Prior to using Tap & Pay, you must select a CWCU Approved card to be set up on your Tap & Pay supported device. If you have more than one CWCU Approved card, you can select which card you would like to use by swiping and selecting the correct card for that particular transaction.
Once you set up Tap & Pay on your device, you can enable and disable Visa payWave from within the Mobile Banking App.
If set to ’Disable payWave’, any attempted Tap & Pay payments will be declined by the merchant terminal. 
If set to 'Enable Visa payWave', you can make purchases up to $100, or such other limit as the merchant has set, by tapping the back of the device against a contactless reader. If you make a purchase of over $100 you will be required to enter the PIN of the card registered with the Mobile Banking App. 

IMPORTANT NOTE: While set to 'Enable Visa payWave', Tap & Pay will work even if the Mobile Banking App is closed (i.e. so long as the phone is not asleep, locked or turned off).
 

4    Use of the rediATM and Branch Finder

You are able to locate rediATM’s and branches Australia-wide. Although care has been taken to represent accurate information and hours of operation for rediATM’s, out of service ATM’s may not be represented on the maps.
 

5    General Conditions

5.1    Daily payWave Limits

Tap & Pay payments made using the Mobile Banking App are included in your daily payWave limits.

5.2    Mobile Banking App Passcode

When you register for the Mobile Banking App, you are required to set up a Mobile Banking App passcode. You can change this passcode at any time, once you have logged into the Mobile Banking App.

5.3    Protecting your Mobile Banking App Passcode

You should always:

  • memorise the passcode as soon as possible - but if you record it, carefully disguise it so that others can't decipher it;
  • use a unique number that is not obvious or can't be easily guessed (e.g. don't use your date of birth or driver's licence number); and 
  • take precautions when using the Mobile Banking App (e.g. don’t let anyone watch you enter your passcode). 

You must never:

  • tell or let anyone find out your passcode - not even family or friends; 
  • record a passcode on your device or computer;
  • keep a record of the passcode with your device 

unless you make a reasonable attempt to protect the security of the passcode.  

A reasonable attempt to protect the security of a passcode record includes making any reasonable attempt to disguise the passcode within the record, or prevent unauthorised access to the passcode record, including by:
  • hiding or disguising the passcode record among other records,
  • hiding or disguising the passcode record in a place where a passcode record would not be expected to be found,
  • keeping a record of the passcode record in a securely locked container, or
  • preventing unauthorised access to an electronically stored record of the passcode record.

This list is not exhaustive. 

5.4    Other things you must do

Lock your mobile phone device and take any reasonable steps to stop unauthorised use of the Mobile Banking App or disclosure of your card details. 
Notify us immediately if your device is lost or stolen or you suspect your Mobile Banking App access passcode or your card details have become known to someone else. If your device is lost or stolen, also let us know if Tap & Pay has been set up on it. You can contact the Visa hotline on 1800 648 027 within Australia or +61 2 8299 9101 if overseas to report the theft, loss, or misuse of your Android device or iPhone device, or breach of passcode security.
Only install approved applications on your Android device or iOS device and never override the software lockdown (i.e. rooted device). 
If you stop using a Tap & Pay supported device, make sure you first remove from the device any cards you have selected for Tap & Pay. You can do this through the Mobile Banking App settings. Please note: deleting the Mobile Banking App or restoring the device to factory default will not delete the cards. You must remove the cards prior to deleting the Mobile Banking App. 

5.5    Other things you must never do 

Don’t ever:

  • Allow another person to use your device to make purchases or payments.  
  • Leave your device unattended. 
  • Use the Mobile Banking App with a device other than a compatible iPhone or Android device..
 

6    Things you should know 

6.1    Using the Mobile Banking App on more than one device

You can install and register the Mobile Banking App on three Android devices. However you can only use one device at a time with your internet banking login.
If you are no longer in possession of one or more of your registered devices, you should remove them from your devices list from the 'Settings' menu, or by calling your local branch. 

6.2    Your account balance may include cheques awaiting clearance

When checking your account balance, please note that the amount described as available funds will not include cheques subject to clearance.

6.3    Fees

Any transaction fees and charges that apply to your CWCU accounts may apply to transactions made using the Mobile Banking App. For more information refer to our Schedule of Fees and Charges or call us on 02 6862 2788.

6.4    Using your location data

If you grant the Mobile Banking App permission to use your mobile device location information then you also consent to us logging this location information for security purposes and to enable other Mobile Banking App functionality where location information is required (e.g. nearest ATM).

6.5    Suspension or Termination 

We may suspend or terminate your use of the Mobile Banking App without notice at any time e.g. if we suspect unauthorised transactions have occurred or that the Mobile Banking App is being misused.

6.6    Reporting Lost and Stolen 

Cancelling your card through the Lost and Stolen process, using the Mobile Banking App, does not mean that you have disputed any unauthorised transactions made on your account. Call us right away if you need to report any unauthorised transactions. 
The report lost or stolen function is reliant on computer and/or telecommunications systems. Disruptions to these systems may result in the report of damaged and lost or stolen functions being unavailable from time to time. 
Whilst we make every attempt to decline transactions once you have completed the lost/stolen process, some transactions may still go through e.g. transactions that are not sent to us for authorisation including some contactless payments or transactions processed when there is a system interruption. If you identify any unauthorised transaction you can lodge a dispute with us.
Reporting a card as lost/stolen will cause all transactions against the card to be declined including any recurring payments linked to your CWCU Visa Debit card.
The cardholder can report their card lost or stolen using the report lost/stolen function, however, the settings will only apply to the card(s) held by that cardholder.
 

7    Disclosures

You agree that we may disclose your details to the recipient of the funds to aid them in identifying the transaction.

7.1    Changes to these Terms 

We may change these Terms at any time without prior notice. We will notify you of any material changes by electronic notice to you via your device, the Google Play Store or Apple App Store. We may require you to confirm your acceptance of changes as a condition of allowing you to continue using the Mobile Banking App.

7.2    Meaning of the words

Card details means the card number and expiry date or security/verification code of your CWCU Visa Debit card linked to the Mobile Banking App.
CWCU Approved Card means your CWCU Visa Debit card.  
CWCU means Central West Credit Union
Your account means any CWCU account accessible using online banking.
Compatible Android device means Android devices that meet the requirements listed in the Google Play Store. 
Compatible iOS devices means an iOS device that meet the requirements listed in the Apple Store.
Tap & Pay means the contactless payments functionality by which you can tap your phone at contactless terminals to pay.
 Tap & Pay supported devices means any smartphone device that allows you to set up Tap & Pay directly on your phone. If you're not sure whether your device qualifies, you can find out at cwcu.com.au.
The Mobile Banking App means the Mobile Banking App service described in section 1 and 2.
We, us, our or CWCU means Central West Credit Union Limited ABN 48 087 649 741.
You or your means the person downloading the Mobile Banking App.


Conditions of Use

When you use Android Pay or Apple Pay you are carrying out an electronic transaction which is governed by the Electronic Payments section of our Credit Union Account & Access Facility.