Getting started with internet banking

Getting started with internet banking


Joined as a member after 23 September 2013? Then you’re automatically registered for Internet Banking. If you don’t know your log in details, check your welcome email or contact us.

Joined as a member before 23 September 2013? Contact us to register.

Aged under age 18? You need to be a Member and a signatory on your account before you can register. 

Logging in

On a desktop, laptop or tablet: select the Internet Banking button at top right.

On a mobile: tap the three-line menu at top right, then tap the Internet Banking button.

Enter your Member Number and Access Code. 

Click Log In.

Learn more on Ways to bank.

Access Codes and passwords

What is my Access Code?

Your Access Code is your password to Internet Banking. Use it whenever you log in.

What happens if I forget or lose my Access Code?

You can reset your Access Code online if you have an active Visa card linked to your account. Or you can contact us through web chat from 9am to 5pm (AEST/AEDT), weekdays.

How to reset your Access Code online

What is a one-time password?

Your one-time password (OTP) is a six-digit security code sent to you by SMS or generated by your security token.

Learn more about OTPs

When do I need an OTP?

You’ll need an OTP as an added security measure when you:

  • change a card PIN
  • add someone as a personal payee or update an existing payee
  • transfer funds to a new or unregistered payee 
  • view or change your contact or account details 
  • change your online banking Access Code

And make other changes when you are banking.

We will prompt you when you will need an OTP at other times as well.

Do I need an OTP every time I make a change or pay someone new?

No. You only need one OTP to log in to an Internet Banking session. Once you log in, you can do multiple banking transactions, such as paying a bill or transferring money, during this single session.

I paid someone without saving them as a personal payee. Will I need an OTP to pay them next time?

Yes. Until you save them as a personal payee, you’ll need an OTP each time you pay them. 

Transfers and redraws

Can I transfer funds to an account at another financial institution?

Yes, you can transfer funds to any account in Australia. You’ll need the BSB, account number and account name. The funds will be available immediately or in 1–2 business days, depending on the payment method used.

How to transfer money

How long does it take to transfer funds with Internet Banking?

  • To another Health Professionals Bank Member: the funds will be transferred and available to the payee straight away (unless you’ve scheduled a future payment).
  • To another Australian financial institution via standard transfer (EFT payment): the funds will be transferred from your account straight away and available to the payee in 1–2 business days.
  • To another Australian financial institution via PayID® or Osko by BPAY: the funds will be transferred from your account straight away and available to the payee instantly.2

Can I schedule automatic payments and transfers?

Yes. You can set up future payments to pay bills or transfer funds, either regularly or just as a one-off.

How to set up a future payment

How much can I transfer in a day?

By default, your daily limit for Internet Banking transfers is $5,000. It applies to all payments and transfers to non-Health Professionals Bank accounts and BPAY® billers. You can increase or decrease your default limit in Internet Banking

How to change your daily transfer limit

Can I redraw funds from my loan account?

Yes. If you’ve made extra payments on your loan in addition to your scheduled payments and have funds available to redraw. As long as your loan always remains one repayment in advance, you can use Internet Banking to transfer those funds to another account or to pay someone with BPAY®.

How to redraw from your loan

Staying safe online

How can I keep my money safe online?

Whether you’re banking online or out shopping, our advanced security systems, transaction monitoring and fraud protection help keep you safe.

Here are some simple precautions you can take:

  • Change your Access Code regularly. Choose a unique, hard-to-guess code and change it regularly – we recommend monthly. Don’t use people’s names, pets’ names, sports teams, postcodes, phone numbers, birthdays or anything else that’s easy for a scammer to discover.
  • Don’t tell anyone your Access Code. That includes partners and family members. 
  • Don’t leave your computer while logged in to Internet Banking. 
  • Stay up to date. Check you have the most up-to-date version of your computer’s operating system and your Internet browser installed and turn on automatic updates. 
  • Protect yourself from viruses. Install anti-virus and anti-spyware software from a trusted brand, then keep it up to date and renew any subscriptions. 

More tips on protecting yourself online

What should I do if I notice a transaction on my account that I didn't make?

If you see a transaction you don’t recognise or spot any other suspicious activity, please call us on 1800 472 265 (in Australia) or +61 2 9735 9151 (from overseas).

Contacting us with secure messaging

Secure messaging is an easy way to exchange messages with us, without leaving Internet Banking. You can send us a secure message outside business hours and we’ll get back to you on the next business day. Your secure messaging inbox keeps messages for 90 days, then they are automatically deleted.


What kind of computer and browser do I need?

You can use Internet Banking on any Internet-connected Windows or Apple device, and on most up-to-date browsers, including Google Chrome, Microsoft Edge, Mozilla Firefox and Apple Safari.

For the best experience and to protect your security, be sure to use the latest version of your operating system and browser and turn on automatic updates. 

Learn more about recommended browsers and operating systems

When I click log in I just return to the home page

You may be using a pop-up blocker. Check your browser extensions and turn off the blocker for

If that doesn’t work, your firewall could be blocking access to the page. Check your firewall settings and contact the firewall provider for help.

How do I stop using Internet Banking?

Let us know by writing to:
Teachers Mutual Bank Limited
PO Box 7501
Silverwater NSW 2128