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App Terms of use

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  • App Terms of use

    Health Professionals Bank app Terms of Use

    These terms govern your use of the Health Professionals Bank app, together with the Conditions of use – Accounts and access and any other relevant terms and conditions governing your accounts.

    Getting Started

    You will need to be registered with Online Banking before being able to use the app. If you have not registered with Online Banking, call 1800 472 265.

    The Health Professionals Bank app can be installed and registered on up to 4 devices.

    Using the Health Professionals Bank app

    You can use the Health Professionals Bank app to view account balances, view transaction history, view pending transactions, schedule future payments, locate nearest branch, confirm overseas travel, Biometric login, passcode sign in, de-register device, quick balance, reorder accounts, show / hide accounts, transfer between accounts, pay anyone using BSB and account number, BPAY, contactless payments, report lost / stolen card, change card PIN, block / unblock card and reorder card with a compatible device.  

    Things you should know – access and data charges

    Our online services may not always be available. We will endeavour to keep outages and down time to a minimum.

    We may suspend or terminate your use of the app without notice at any time e.g. if we suspect unauthorised transactions have occurred or that the app is being misused. 

    Data charges may be charged by your internet service provider for using the Health Professionals Bank app.

    Making payments using a BSB and account number

    Payments are processed using the BSB and account number or PayID (for instance an email address, mobile phone number or ABN), without using the recipient's name. Please take care to enter the correct BSB and account number or PayID as you may not be able to recover a payment if it is credited to a mistaken account. 

    Payment limits

    1. For contactless payments, a daily limit of $500 applies.  
    2. For contactless payments, merchants or other financial institutions may impose payment limits or other restrictions on payments. 
    3. For other payments using the Health Professionals Bank app, your existing daily payment limits apply. 

    Using face and fingerprint recognition for logon 

    If you have the Health Professionals Bank app installed on an iPhone or Android device that has face or fingerprint recognition available, you will be able to turn on biometric recognition access for the Health Professionals Bank app. Turning on biometric recognition for the Health Professionals Bank app means that you can access the app using face recognition or your fingerprint instead of your passcode. 

    You must not turn on biometric recognition access for the Health Professionals Bank app if you have any face recognition or fingerprints stored on your device other than your own. If, after turning on biometric recognition, you allow other people to use their fingerprints on your device, you must first turn off biometric recognition access for the Health Professionals Bank app. 

    If you do allow anyone else’s face recognition or fingerprints to be stored on your device (despite this being against these terms):
    • they’ll be able to access your accounts and considered authorised to do so; and
    • you will be responsible for their transactions
    Biometric recognition access for the Health Professionals Bank app can only be turned on if it is available on your iPhone or Android device and has been enabled by you on your device. Biometric recognition is technology provided by respective devices and accordingly we are not responsible:
    • for any malfunction in face or fingerprint recognition;
    • if your device makes any changes to its biometric recognition technology that impacts the way you access the app you will still be able to access the Health Professionals Bank app using your passcode.
    If you choose to use face or fingerprint recognition access for the Health Professionals Bank app, you will still need your passcode and must set and protect your passcode in the manner outlined in these terms. 

    Protecting against unauthorised transactions

    1. Health Professionals Bank passcode
    a. You are required to set up a passcode for use with the Health Professionals Bank app. Once registered, the 4-6 digit passcode can be used to access the app.  
    b. You can change this passcode after logging into the Health Professionals Bank app.

    2. How to protect your  Health Professionals Bank app passcode
    a. You should always:
    i. Memorise your passcode as soon as possible – if you record it, disguise it so others can’t decipher it. 
    ii. If you nominate a passcode, use a number that is not obvious or can’t be easily guessed (e.g. don’t use date of birth).
    iii. Take precautions when using the Health Professionals Bank app (e.g. don’t let anyone watch you enter you passcode).
    b. You must never:
    i. Tell or let anyone find out your passcode – not even family or friends.
    ii. Record a passcode on your device or computer.
    iii. Keep a record of the passcode with your device.
    iv. Please refer to our website for Mobile Banking security tips.

    What to do if your phone is lost or stolen

    Please contact us immediately on 1800 472 265 if your phone is lost or stolen. Unreasonable delay may result in liability for unauthorised transactions. 

    Verifying your mobile number

    For security reasons, each time you register for the Health Professionals Bank app, you are prompted to verify your mobile number. After verifying once, you won’t have to do so again on the same device until you need to re-register. 

    Using your location data

    Granting the Health Professionals Bank app permission to use your mobile device location will enable functionalities like locating branches Australia wide.

    Show / Hide / Reorder accounts

    By hiding and /or reordering your accounts via the Health Professionals Bank app you only modify the account list for viewing while inside the app. The changes made to your account order or view will NOT be reflected elsewhere (e.g. Internet banking).  

    Disclosures

    We may change these Terms of Use at any time in accordance with your account terms and conditions. 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 Health Professionals Bank app.

    Health Professionals Bank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.

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