Community First Credit Union App Terms of Use

Getting Started

These terms govern your use of the Community First Mobile Banking App (App), together with the Community First Conditions of Use documents and Financial Services Guide (FSG).

By using the Community First Bank App you agree to be bound by these terms and conditions.

You will need to be registered to use Internet Banking before being able to use the App. If you have not registered for Internet Banking, please contact us on 1300 13 22 77.

The App can be installed and registered on up to 5 devices. You can review or remove unused device registrations within the App – to do this, go to the ‘Profile’ section within the App.

Security

There may be different log in/authentication options available to you, depending on your device or when you downloaded the App. You are required to set up a form of authentication such as a passcode, pattern, PIN or biometric. Note that you’ll first need to set a passcode, pattern or PIN before you may be able to use a biometric. You can change between different forms of authentication at any time via the App. Keep your passcode, pattern or PIN safe by using a unique number or pattern that is not obvious or would be difficult to guess. Do not store your passcode pattern or PIN on your mobile device or write it down, and do not disclose it to anyone.

We may suspend or terminate your use of the App without notice at any time, such as if we reasonably suspect the misuse of the App or actions being taken on the App which are not in accordance with our terms and conditions.

Things you should know

Fees

Data charges will apply for using this App. You are responsible for obtaining your own device and mobile data plan to use this App and any associated costs such as telecommunications network charges will be at your own expense.

Fees may apply if there are insufficient funds to make a scheduled payment. Refer to our Fees and charges for further details.

Fees and charges may also apply to transactions you perform within the App. Refer to our Fees and Charges Schedule for more information specific to the accounts you hold.

Tracking and using your location data

Community First may track activity and use location data for security purposes. These include but are not limited to unusual or suspicious activity, scams and fraud, compromised accounts or credential theft and Brute-force, credential-stuffing, or automated attacks.

Scheduled and Recurring Payments

Scheduling future payments and transfers

With the App you can schedule a payment or transfer by nominating a future date on which a payment is to be made.

If there are insufficient cleared funds in the account at the time the payment is to be made, we may decline to process your scheduled transfer or use our discretion to honour the payment.

Scheduled transactions can be suspended or cancelled if Community First has not begun processing the payment (usually before 2pm Sydney time the day before the payment is due). Otherwise, the payment or transfer is processed as originally instructed.

PayID

In the App you can view your contact details registered as your PayID.
You can also view PayIDs which you have registered with us, which will display the linked bank account details.
In the App you may also manage your PayID with the option to set up a new PayID, request to transfer a PayID to another financial institution or close a PayID held with us.
Please note that a PayID can only be registered to a single account.

Disclosures

We may change these Terms of Use at any time without prior notice. We will notify you of any material changes by electronic notice to you via your device or via the app stores. We may require you to confirm your acceptance of changes as a condition of allowing you to continue using the App.

Please review the Community First Conditions of Use documents and Financial Services Guide (FSG). You can obtain a copy of these at https://communityfirst.com.au/support/important-information-disclosure-documents, by calling 1300 13 22 77 or from one of our Stores.

Privacy Policy and more information

Community First Credit Union Limited complies with the Australian Privacy Principles which regulate privacy of personal information we may collect from you.

Community First Credit Union Limited reviews its Privacy Policy periodically and reserves the right at its discretion, to modify or remove portions of this policy at any time. This page should be reviewed periodically so that you are updated on any changes.

Resolving problems

Community First Bank offers our members an internal dispute resolution procedure that is readily accessible and free of charge. The page below explains the internal dispute resolution procedure at Community First Bank and can be accessed at anytime.

Dispute resolution – Community First Bank