Disclosure Documents

Together, we can keep your banking safe. Below are some important reminders on how to protect your access cards, devices and passcodes. If you do not ensure the safety of your access card, access facility and passcodes, you may increase your liability for unauthorised transactions.

• Sign the access card as soon as you receive it.
• Familiarise yourself with your obligations to keep your access card and passcodes secure.
• Familiarise yourself with the steps you have to take to report loss or theft of your access card or device, or to report unauthorised use of your access card, BPAY, PayTo, internet or mobile banking.
• Immediately report lost, theft or unauthorised use or access (see How to Contact Us in this document).
• If you change a passcode, do not select a passcode which represents your birth date or a recognisable part of your name.
• Never write or save the passcode on any access card, mobile phone, computer or device, even if disguised.
• Never write the passcode on anything which is kept with or near any access card, mobile phone, computer or device.
• Never lend the access card to anybody.
• Never tell or show the passcode to another person.
• Use care to prevent anyone seeing the passcode being entered on any electronic equipment.
• Keep a record of the VISA Card Hotline telephone number with your usual list of emergency telephone numbers.
• Check your statements regularly for any unauthorised use.
• Immediately notify us when you change your address and ensure your contact details, including email address and mobile phone number, are correct and up to date at all times.
• ALWAYS access internet banking via the GMCU homepage ("www.gmcu.com.au")
• NEVER access internet banking via a link in an email, SMS or other electronic message.
• If accessing internet banking on someone else’s PC, laptop, tablet or mobile phone, ALWAYS DELETE your browsing history. ALWAYS REJECT any request to provide or to confirm details of your passcode. We will NEVER ask you to provide us with these details.

To prepare of our transition away from cheque services and the addition of Confirmation of Payee in our internet banking and mobile banking app, we've updated the following documents, effective 1 June 2025:

Conditions of Use
Summary of Accounts & Access Facilities
Schedule of Fees & Charges

The key changes in these documents relate to:

• Removal of references to depositing cheques and related cheque services
• Defining what the Confirmation of Payee service is, and how we use and disclose transactional and account data
• Behaviour and conduct required to hold a membership with us
• Clarification of cut-off times for interest calculations