Big Sky > Personal > Everyday Banking > Account Access

Account Access

Access your Big Sky accounts at a time that suits you. There are a number of ways you can choose to access you accounts including:

rediCARD
rediATM
VISA Debit Card
Subsidiary (additional) Cardholders
Internet Banking
eStatements
SMS One Time Password
Phone Banking
Service Centres
SMS Banking
Bank@Post
BPAY
Telecode

rediCARD

Big Sky offers a rediCARD to enable you to easily access your everyday account for cash withdrawals and EFTPOS transactions.

Features and Benefits

Access to over 3000 ATM’s Australia wide through rediATMS
EFTPOS access in participating stores
Has no annual fee
Can be used at any overseas ATM showing the VISA and PLUS symbols

rediATMS

The rediATM network is one of Australia's largest ATM networks, with over 3,000 rediATMS across Australia and partnered with over 100 financial institutions including credit unions, building societies and banks. Big Sky is a partner of the rediATM network.

The rediATM network provides direct charge free access to over 8 million Australian cardholders' which means if you're a cardholder with Big Sky, you can withdraw cash, or check your balance without paying a direct charge fee*

Where are rediATMs located?

That’s easy – click here for locations!

*Whilst no ATM charges are payable for rediATM cardholders, individual account charges may still apply.

TIP: When you are heading overseas contact Big Sky on 1300 654 321 to let us know. Letting us know will help to prevent cancelled transactions that could be deemed suspicious.

We strongly recommend you read the following Terms of Use before taking up this product.

VISA Debit Card

Big Sky offers a VISA Debit Card to enable you to easily access your everyday account.

Features and Benefits

Access to over 3000 ATM’s Australia wide through the rediATM/NAB network
In store EFTPOS
Internet and telephone purchases
Control of your own cash with a credit card selection facility
Use in more than 21 million locations worldwide via the VISA network
Added Security with Verified By Visa Fraud Prevention.

TIP: When you are heading overseas, contact Big Sky on 1300 654 321 to let us know. Big Sky works with Vigil Fraud Prevention as well as Verified by VISA on suspect transactions. Letting us know will help to prevent cancelled transactions that could be deemed suspicious.

We strongly recommend you read the following Terms of Use before applying for this product.

Subsidiary (additional) Cards

You may elect to add an additional cardholder to your rediCARD, Visa Debit or Visa Credit Card, provided this person is over the age of 18 for Visa Debit or Credit Cards. All additional cardholders will receive a separate PIN.

You must ensure the additional cardholder observes the terms and conditions in which the additional card was issued. You must ensure that any additional cardholders protect their cards and PINs in the same way as these Electronic Transaction Access Facilities Terms and Conditions require you to protect your card and PIN.
In the case of rediCARDs and Visa Debit Cards, the additional cardholder must be either a joint account holder or an authorised party to the account, as the funds are accessed directly from the account.
Liability for funds in joint accounts is allocated to both account holders. Liability in accounts with authorised parties however, is allocated to the account holder.
You may add an additional cardholder to your Visa Credit Card. The additional cardholder will be sent a card in their own name, however they will be accessing your credit card account. They can use the card to make purchases, withdraw cash, check the balance via electronic banking and reorder cards and PINs in their own name, however they cannot reorder cards or PINs for the primary cardholder.
The responsibility for the credit card account is allocated to the primary cardholder. Additional cardholders are not responsible for repaying the credit card debt to Big Sky.
The primary cardholder can instruct Big Sky to cancel an additional card at any time. If you as the primary cardholder or the additional cardholder instruct us to cancel an additional card, you will not be liable for any losses resulting from unauthorised use of the additional card following cancellation, provided you take all reasonable steps to ensure the card is destroyed or returned to us, and do not act fraudulently or otherwise cause the loss.

Note: If an additional cardholder loses their card/PIN or has the card or PIN stolen, this may affect your card too as the card number will be the same. In this case, it would be recommended for both the primary and additional cardholders to reorder cards and PINs if there is a risk that this information could be obtained by another party.

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Internet Banking

Big Sky’s Internet Banking is available 24 hours a day, and provides an easy and a convenient way for you to access your accounts.

Account Balances and transaction details
Pay your bills with BPAY
Redraw addition loan repayments
Download and print statements
Transfer funds

Account and Access Facilities Conditions of Use

eStatements

If you are an internet banking user you can now elect to receive your account statements electronically. This is a quicker, simpler and more secure way of accessing and storing your statements. Customers who choose to receive electronic statements get an email notification when the statement is ready and can then view it via their secure internet banking login.

*Note: You will need to ensure that Big Sky has your correct email address recorded so you receive the notification that your statement is ready.
Simply log in to internet banking and follow the prompts under the “statements” tab for a more efficient way of receiving and managing statements.

eStatements Frequently Asked Questions (FAQs)

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SMS One Time Passwords (SMS OTP)

NB: New daily transaction limits came into effect on February 1st, 2013. To avoid reducing your current daily limit from $5,000 to $1,250.00 simply register for Big Sky’s SMS One Time Passwords.

Big Sky has introduced SMS OTP as an extra validation point for three functions within our internet banking platform:

Making a one off payment
Setting up a personal payee
Changing your personal details.

An SMS OTP is a randomly generated 6 digit password, valid for one session or transaction and delivered via text message to a registered mobile phone.

Big Sky recommends customers register and use this new process as an additional layer of security for internet banking payments. Note that ‘payments’ apply to: BPAY, External Funds Transfers, Customer to Customer payments, Batch payments and Pending Authorisations.

Change to daily transaction limits

By registering for and using SMS OTP, your daily transaction limit will increase from $5,000 to $10,000. However, if you choose not to use SMS OTP, your daily transaction limit will drop from $5,000 to $1,250. Once registered for SMS OTP, you can add new payees to your list of saved ‘Personal Payees’ and instantly remove the need for you to use the additional step of an SMS OTP when authorising payments.

Registering for SMS OTP

Follow the steps listed below to register, it’s simple:

Log on to internet banking
Select ‘features’ menu
Select ‘security’ option
Click ‘request’
Verify mobile phone no. to be contacted
Select ‘I agree’ to Terms and Conditions
Check details: if correct, click OK

Limits can be changed by calling 1300 654 321. Approval of this application will be at the discretion of Big Sky.

How does the SMS OTP process work?

The process of using SMS OTP is clear and simple:
Usual payment process:

Log onto internet banking
From ‘transact’ menu choose ‘external transfer’ or ‘BPay Payment
Enter ‘Pay from’ & ‘Pay to’ A/C’s (or biller code) & amount

SMS OTP process:

Mobile phone graphic appears on screen
Select the button ‘Get SMS’
6 digit code sent instantly to your mobile
Key code into I’net banking session
Continue to process transaction or request

Note – if you close your Internet browser (e.g. Internet Explorer) window and/or open a new session or transaction you will need to request another code.

Download the SMS OTP FAQs

Phone Banking

Phone banking allows you to do most of your banking over the phone and enables customers to have 24 hour access to their funds.

By simply calling 1300 654 321 and following the prompts you can check account balances and transactions, transfer funds, pay bills (via BPAY), activate a Visa or rediCARD and even facilitate loan redraws.

Call 1300 654 321 (within Australia), Option 6.

Call +61 3 8635 2880 (outside Australia)

Big Sky is committed to providing customers with 24 hour access to their accounts.

Service Centres

We have more than 10 Service Centres Australia-wide. Use our Service Centre Maps for more details on your nearest branch.

SMS Banking

With Big Sky's SMS banking you can check your account balance at times convenient to you, 24/7. You can also check your transactions and the interest you've earned for the current financial year.

To register for SMS banking contact our friendly Customer Services Team on 1300 654 321. Once you've registered text 0428 768 450 for your balance, transaction or interest info:

Text BAL for Balance
Text TRN for transaction
Text INT for Interest.

SMS Alerts

Alerts are a great way to keep track of your money, payments or to set up an account balance notification at the same time each day or week.With SMS Alerts you can find out

If your account balance falls below a certain amount
If your credit card payment is overdue
If you would like your account balance at a certain time each day.

You can set up Big Sky SMS Alerts through Big Sky Internet Banking and you can receive your alerts via SMS or email.

How much do Alerts cost?

Big Sky Alerts cost $0.25 per SMS and will appear on your statement. Email Alerts are free.

Bank@Post

Bank@Post is Australia Post’s banking service agency for personal accounts. With facilities at over 3,200 Australia Post outlets around the nation with the Bank@Post sign, you can easily make withdrawals and deposit cheques and/or cash over the counter, (limits apply on withdrawals and when depositing the name on the cheque must be the same as the cardholder).

All you need is to have a Big Sky Personal Account and your Redicard or Visa Debit/Credit Card with an accompanying PIN.

Please note, the following minor procedural change:

Effective 1 February 2013 you will no longer be required to complete a deposit slip when paying into a cheque or savings account at a post office
Effective March 2013 all deposit transactions will require your PIN. In the event you do not have, or cannot recall your PIN, a system generated deposit slip will require your signature.

There is no charge to the member to deposit using the Bank@Post service.

BPAY

BPAY^® is a convenient alternative to writing cheques and is free and unlimited. Most bills can be paid through BPAY at your convenience using Internet or Phone banking
Cheque book facilities can be arranged for members (fees apply) although most bills can be paid more conveniently through BPAY or direct debit
Direct debits and credits can be set up using Big Sky’s BSB number 803-228, and your member number. Big Sky does not charge a fee for valid direct debits and credits.

^®Registered to BPAY Pty Ltd ABN 69 079 137 518

Telecode

Telecode is an easy and quick way of conducting certain functions of your banking over the phone. Through the establishment of a verbal password customers can be quickly verified and then speak with one of our friendly Customer Services Consultants (during office hours: 8.30am to 5.30pm, Monday to Friday, AEST).

To apply for a Telecode authorisation call Big Sky on 1300 654 321 - the services can simply be provided over the phone instead of requiring a signed request.

If you choose to speak to a Customer Services Consultant, you will require a Telecode for confidentiality and security reasons. Without a Telecode your access may be restricted to making general enquiries to protect your privacy. To nominate your personal Telecode, simply contact us.

Your Telecode is separate from your "Access Code" for automated Telephone Banking. Please note that your Telecode is similar to a PIN and as such, should not be disclosed to anyone. Avoid nominating obvious words or number sequences e.g. Names, Birthdays, Postcodes.

Telecode banking activities guide

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