P&N Bank has comprehensive security measures in place to ensure your accounts and personal information are protected from unauthorised access. Whilst P&N has high level security measures in place to protect the bank from fraud, it is also important for members to be aware of fraud and how to protect themselves. Our website provides tips for enhancing security along with information about common types of fraud.
P&N Bank will never perform unsolicited phone calls asking you to confirm bank account details such as your account number or current balance.
We do occasionally contact you to inform you of our products and services that we think may be of interest to you, at which time, we may be required to identify you, to ensure that we do not disclose personal information. If you are concerned about the legitimacy of a phone call you have received, please ask the consultant for their name and advise you will call them back via our Contact Centre number. This will ensure you are speaking to P&N Bank directly and not an individual attempting to gain your account information.
If you suspect that you have encountered a scam, or if you find a transaction on your statements that isn't your own, please contact P&N on 13 25 77. It is important to take an active role in preventing and combatting fraud.
What is a scam
Common signs of a scam:
For more information, please visit the Australian Competition and Consumer Commission's Scamwatch website or call into any P&N branch for your copy of “Little Black Book of Scams”, which is produced by the Australian Competition and Consumer Commission, to help you avoid becoming a victim of scams.
Australia might have one of the lowest rates of counterfeiting in the world, but that doesn’t mean it does not happen.
When determining if you’re dealing with counterfeit money, the first rule is to compare the suspect note with a genuine banknote. Suspect notes should always be turned over to the police as it is an offence to knowingly possess a counterfeit. If they prove to be genuine banknotes, the full value will be paid but no value is paid for counterfeits.
If you come across a banknote that you suspect is counterfeit:
All Australian banknotes have similar security features which can be checked if you’re ever unsure of the validity of money that you come in possession of.
To find out more on Australian banknotes and the history of our currency, visit the Reserve Bank of Australia’s website. The RBA website also features an Eye Spy Security Features game to try your hand at spotting all security features on a genuine banknote and a Banknote Challenge for those who want an extra test of your currency knowledge.
Suspicious transaction monitoring
In addition to our other security measures, we also monitor the following transactions 24 hours a day, seven days a week:
Any suspicious activity detected is investigated. Other suspicious transactions are monitored during working hours Monday to Friday which may involve contacting members to confirm that all transactions appearing on their account are their own.
Although fraud monitoring for Visa Credit/Debit card, rediCard and online transactions operates 24 hours a day, our Fraud Department will only contact members between the hours of 7am to 10pm (WST). For all other monitoring, we will only contact you during business hours Monday to Friday. You should be wary of unsolicited calls supposedly from your financial institution. Genuine calls from the P&N Fraud Department will be made from telephone number 1300 705 750 for Visa Credit/Debit card and rediCard transactions.
Calls in relation to other fraud matters will be made from a telephone number with a prefix of 9219 7XXX or our Contact Centre number 13 25 77.
Should you have concerns about whom you are speaking with, do not provide any banking or personal information and hang up immediately. You should then advise our Contact Centre on 13 25 77 and they will be able to confirm if the call you received was from the P&N Fraud Department.
Encryption and TLS Connection
P&N has strong online encryption in place and uses Transport Layer Security (TLS) technology. This provides a secure connection between your computer and P&N systems. You can see that you are connected to a secure site utilising TLS technology by looking for the small padlock icon at the top of your web browser.
We also use Digicert Digital Certificates to ensure a secure connection to our online banking site. To check for the Digicert Digital Certificate before logging on to online banking, right click your mouse on the padlock to view the certificate. This should verify that you are logging on to P&N online banking site.
Automatic Time Out
For the security of our members, online banking sessions automatically time out after being left unattended for ten minutes.
Participating in committees
P&N is actively involved in combatting fraud and staying abreast of fraud related issues. We work with top industry bodies for fraud prevention and participate in various fraud prevention committees, including:
Verified by VISA
When you shop online, it’s important to know that your transactions are secure. To ensure your security, P&N Easypay VISA Credit Cards and VISA Debit Cards are equipped with protection from Verified by VISA.
What is Verified by VISA?
Verified by VISA is an online service designed to make internet transactions safer at participating merchants through the authentication of the cardholder’s identity at the time of purchase.
It provides reassurance to both you, the cardholder, and to the merchant that you are each engaging in a genuine transaction.
How does it work?
For your convenience and protection, the enhanced version of Verified by VISA works behind the scenes so in most instances you won’t be interrupted on your way to the checkout.
Each time you make an online purchase with a participating merchant, the Verified by VISA program assesses the risk level of the transaction. Certain activities may seem out of the ordinary because of the high dollar value or it is a retailer you have never bought from before. In these instances you will be asked to confirm some simple personal details to verify your identity so we can be sure the card isn’t being used without your permission.
You're already protected
All existing and new VISA cards are automatically registered for this free service.
Throughout the world a growing number of merchants are offering Verified by VISA. Look for the symbol as a sign these merchants value your business and your security.
You can find further information about enhancing your home computer security on the following websites:
Banking safely online
Additional information about what are the minimum browser specifications we recommend and support for accessing Internet Banking can be found here.
Social networking sites such as Facebook and Twitter are great ways to connect with friends and family, but they are also a way for fraudsters to connect with you.
Be careful that you don’t publish personal information that may compromise your personal security, in particular you should never publish in a post, tweet or a status update any private banking information like your PAN, PIN, bank account details or address.
Here are some things to consider when setting up and participating in social network sites:
At the ATM
Be cautious when strangers offer to help you at the ATM, even if your card is stuck or you are experiencing difficulty with the transaction. Avoid ATMs which have messages or signs fixed to them indicating that the screen directions have been changed, especially if the message is posted over the card reader. Banks and other ATM owners will not put up messages directing you to specific ATMs, nor would they direct you to use an ATM which has been altered. Do not use ATMs that appear to have been tampered with.
Memorise your PIN
Do not write your PIN down or keep it in your wallet or purse and do not give it to anyone. If you think it may have been compromised, please contact us immediately.
Put your card and cash away
After completing your transaction, secure your card and cash immediately before exiting the ATM area.
Treat your card like cash
Always protect your card by keeping it in a safe place. If your card is lost or stolen, contact us immediately.
Protect your details
When entering your PIN, shield the ATM keypad with your hand or body. Keep your transaction record so you can compare it to your monthly statement.
Report suspicious behaviour
Report all crimes immediately to law enforcement officials, ATM owners and P&N.
Protect your personal information
If you have concerns about someone potentially obtaining credit in your name, Equifax provide a Free Credit Report service (mycreditfile) Industry links
Stay Smart Online is a government run website and provides tips for families and small business with topics like securing your computer, small business safe online, smart transacting online and kids safe
More information about protecting your financial identity.
Australian Banking Association - Security and fraud prevention
Help Prevent Identity Theft, Spyware & Viruses – Microsoft provides great tips in the 'security at home' section of their website on how to potect your computer, potect yourself and protect your family.
SCAMwatch provides information on how to recognise, avoid and report scams. This is a government run website and it is run by the Australian Competition and Consumer Commission (ACCC).
The Australian High Tech Crime Centre is a Federal Police branch, providing a nationally coordinated approach to technology enabled crime (e.g. internet banking fraud and phishing).
Regularly review your credit file with the credit reporting bureau. This will enable you to check that your identity have not been used without your knowledge.
For financial tips and safety checks on investment and superannuation proposals please visit the Australian Securities and Investments Commission (ASIC) website.
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