Accounts in e-banking

Personalise your accounts

To change the order of your accounts:

1. Select the Settings tile (found in the More menu in the West Coast Groupe-Banking)
2. Select Re-order accounts
3. Select and hold the account(s) you want to reorder
4. Drag the account(s) up or down to the desired order
5. Select Save to confirm the order and return to the Accounts screen

To change the name of an account:

1. Select the account on the Accounts screen
2. Select the settings icon at the top right corner of the screen
3. Select Change Account Name
4. Edit the name in the Name field
5. Select Save changes to save the new account name and return to the Accounts screen

To show or hide your accounts:

1. Select the Settings tile (found in the More menu in the West Coast Groupe-Banking)
2. Select Hide/show accounts
3. Tick the check box to the right of each account you want shown
4. Untick the check box to the right of each account you want hidden
5. Select Save to save your changes and return to the Accounts screen

Hiding accounts will hide them on the Accounts screen and prevent them from appearing as an option for payments.

Understand your balances

e-banking displays the available balance and current balance of your accounts.

For deposit accounts, like transaction and savings accounts:

• The current balance is the dollar amount in an account at any given time
• The available balance is the current balance minus any pending transactions
  
  

For loan accounts, like home loans and credit cards:

• The current balance is the dollar amount in an account at any given time
• The available balance is the difference between the credit limit of the account and the current balance, including any pending transactions
• For loan accounts with online redraw activated, the available balance reflects the amount you can redraw from the account

Online redraw

Online redraw is available for many of our home, personal and business loans. It must be activated on an account before you can view the available redraw amount and complete redraws in e-banking.

To check if your loan is eligible and apply to have online redraw activated, please visit your local branch or contact your relationship manager.

Transactions

Account transactions are displayed in the Activity tab on the Accounts screen.

Transactions are listed newest to oldest, with each transaction in the list showing:

• The name of the transaction
• The description and/or reference
• The transaction amount
• The running balance of the account, also called the balance after transaction

Each transaction can be selected to view a details screen. The extra details available are based on the type of transaction.

You may notice the transaction logo for some merchants is generic. While we try to source logos for as many merchants as possible, we are not able to support logos for every merchant due to the vast number.

For devices with larger screens, Normal and Compact buttons will be displayed at the top right corner of the Activity tab. These allow the transaction list to be switched between a normal and compact view.

Searching transactions

You can search for transactions in three ways.

If you know the account the transaction was made from:

1. Select the account on the Accounts screen
2. Select Filter at the top right corner of the Activity tab
3. Choose your search parameters: date, amount, type (debit or credit), description or reference, or a combination
4. Select Apply Filters

To search up to 5 accounts at once:

1. Select the Activity tile
2. Select Filter at the top right corner of the Past tab
3. Choose your search parameters: the accounts, date, amount, type (debit or credit), description or reference, or a combination
4. Select Apply Filters

To view payments made to a specific contact:

1. Select the Contacts tile
2. Select a contact
3. Payments to the selected contact are displayed in the Activity tab

Pending transactions

When you use your card to buy something online, over the phone, with Tap & go^TM, or when selecting the credit option at the point of sale, the amount you have spent is not withdrawn from your account straight away.

Instead, the amount is placed on hold and referred to as a pending transaction. A transaction can be pending for around five days to give time for the seller, known as a merchant, to finish processing it. Once they have, the amount is debited from your account and the pending transaction status is removed.

If a merchant fails to process a transaction within five days, the pending transaction status is removed. Merchants can still process the transaction after this time, and you are still liable, so make sure you have enough money in your account to cover it.

Viewing interest and charges

To view interest and charges from previous financial years for an account:

1. Select the account on the Accounts screen
2. Select the Details tab
3. Scroll to the bottom
4. Select the arrow to the right of the financial year you want to view

If you have not provided your Tax File Number, a message will appear prompting you to do so.

To view a summary of interest and charges for multiple accounts:

1. Select the Activity tile
2. Select the Interest & Charges tab
3. Select the financial year you want to view