induemoney BIFOnline Frequently Asked Questions
If you have a question and cannot find the answer below, please phone our Agent, Baptist Investments & Finance Ltd (BIF) on 1300 650 542 during office hours for further assistance.
Q1. Can my internet browser access BIFOnline?
A1. We recommend that BIFOnline be accessed using only Netscape Navigator 6.0 and above or Internet Explorer 5.0 and above. Mozilla Firefox is not recommended but may work as it basically operates by sharing the Netscape engine. Opera works in a limited fashion but is not recommended as downloads do not work at all with this browser.
Q2. What do I do if the Login Screen flashes and then disappears from my Computer Screen?
A2. This problem is common to users of Windows XP (Service pack 2) or Windows Vista installed. The procedure to overcome this problem is as follows:
Open INTERNET EXPLORER then click on TOOLS, then INTERNET OPTIONS, then SECURITY, then TRUSTED SITES, then access SITES. In “Add this website to the zone” type https://*.bif.com.au, click ADD, click OK & then OK again. You should then be able to access the BIFOnline login screen.
If you continue to experience difficulty accessing BIFOnline after following these instructions, you may have a “pop-up stopper” enabled, such as the `pop-up' blocker in Internet Explorer version 7. If you have a “pop-up stopper” program it will prevent the logon screen from opening and you will need to disable the “pop-up stopper” (Internet Exporer version 7 - under `Tools") or configure it to accept the BIFOnline login. For information on how to do this, you will need to contact your program vendor.
Q3. What do I do when logged on to BIFOnline and I click on `Select’ to `Download’ transactions and a pop-up box flashes and then disappears from my Computer Screen?
A3. This problem is common to users of Microsoft Internet Explorer version 7.
To overcome this problem hold down the `Ctrl’ and `Alt’ keys together whilst clicking on the `Select” key and continue to hold these 2 keys down until you have either `Run’ or `Saved’ the transactions to a file.
Q4. How do I access BIFOnline?
A4. Send in your signed application for induemoney BIFOnline or your registration for induemoney BIFOnline Business and we will confirm your registration and set up a login and a temporary password.
The first time you access BIFOnline you will be asked to change your temporary password to one of your own choice.
Your password must be between 6 and 12 characters, at least 2 of which must be numbers.
This will then become your secure password, which should be changed regularly as required by the BIFOnline terms and conditions.
You may also change your login at any time. Your login must be at least 5 characters comprising any alpha characters or numbers or any combination of alpha characters/numbers.
To subsequently change your login or password, click on Other from the menu and select Customise from the drop down box or Change Password.
Officers and staff of Business clients registered for BIFOnline Business and requiring access should contact their nominated Administrator/s.
Q5. How would I know when my login was last used?
A5. The screen will display the last time your login was accessed. You should take note of this security feature and advise us of any unauthorised login.
Q6. What if I make a mistake in entering my password?
A6. If you enter your password incorrectly 3 times in any day you will not be able to access BIFOnline for the rest of that day. You can either wait until the next day and try again, or you can phone a BIF State Office during office hours and they will verify your identity and re-set your temporary password.
Officers and staff of Business clients registered for BIFOnline Business should contact their nominated Administrator/s
Q7. What if I forget my password?
A7. If you forget your password, or believe the security of your password has been compromised in any way, please phone our Agent on the number/s listed at the top of this page during office hours. BIF will need to verify your identity before resetting your password with a temporary password.
If you have a problem out of office hours please phone a BIF State Office and leave a message – they will call you back as soon as they are able.
Officers and staff of Business clients registered for BIFOnline Business should contact their nominated Administrator/s
Q8. Can I allow other people to access my induemoney Cheq account using BIFOnline?
A8. Yes. Anyone you have already authorised to operate on your account can apply by completing an induemoney BIFOnline application form.
However, your personal codes to access and use induemoney BIFOnline are not to be given to any other person.
Q9. Can I use BIFOnline for both my BIF accounts and my induemoney Cheq accounts?
A9. No. You can't access both your BIF accounts and induemoney Cheq accounts using the same login. Separate BIFOnline logins are required.
Q10. How do I withdraw funds using BIFOnline?
A10. You can transfer funds from your induemoney Cheq account into an account at another financial institution as long as you know the name of the account, BSB & account number.
These transfers can be processed on a nominated business day, or can be set up as a regular or one-off future payment.
Please note that any transfers using BIFOnline must be made before 3.30pm (Sydney time) on any business day for the funds to be transferred on that day. Otherwise they will be processed on the next business day.
Q11. Can I deposit money into my account from another financial institution by using BIFOnline?
A11. Yes, if you are an authorised signatory to an external account/s which is/are in an identical name to the induemoney Cheq account, and a completed induemoney Direct Debit Request form/s has been completed authorising the account/s to be used as external predefined account/s.
Q12. How long does it take before transfers take effect?
A12a. When using BIFOnline to transfer funds between BIF accounts, the following timeframe will apply:
Funds transferred between BIF accounts will be available immediately.
A12b. When using BIFOnline to transfer funds between your induemoney Cheq account and an account at another financial institution, the following timeframes will apply:
Transaction processing will occur on Business days.
Transactions executed after hours will generally be processed on the following business day.
Requests made before 3.30pm Sydney time, on a business day will be processed that day and should reach your destination account overnight.
Requests made after 3.30pm Sydney time on a business day (Monday to Friday), or on weekends or public holidays, will be processed by BIF on the next business day, and should then reach your destination account overnight.
Q13. Can BIFOnline be used to transact on business accounts where more than one signatory is required to authorise transactions?
A13. Yes. Authorised signatories may apply for access to induemoney BIFOnline for the business account or a nominated Administrator of a business account may establish logins for Authorised Signatories.
For an account where 2 must sign, for example, at least 2 authorised signatories must have access to BIFOnline. One signatory will login to BIFOnline and enter the transaction request. This message will display “This account requires 1 more Signatory to authorise a withdrawal”. Another signatory may be present at the same time and enter their own confidential login and password for the transaction to proceed or the transaction may be stored to allow another signatory to remotely approve the transaction.
Q14. How do I set up regular or one-off future payments using BIFOnline?
A14. At the Transact button, select the type of payment required. Enter the details of the first payment and click on the ‘Pay Later’ button. On the following screen scroll down to select either Single Future Payment or Regular Future Payment.
For a single payment enter the date required, click OK. For a regular payment, select the frequency and date of the first payment. The payment can then be approved, checked and confirmed by following the instructions on the screen.
Q15. I am a Church Treasurer and I’d like to allow our pastor to view their benefit/expense account, but not transact on it. Can this be arranged?
A15. Yes. They can apply for induemoney Enquiry or View Only access. This will allow them to view their account but not transact on it.
Q16. Can I add or modify periodical payments?
A16. Yes you can add payments, but you can only modify periodical payments which you have set up through BIFOnline. However, a periodical payment cannot be modified where more than one person is required to authorise online - in this case you should delete the periodical payment and set up a new one.
Q17. Can I change the amount I pay on our loan?
A17. Yes. You can vary the amount of your loan repayments as long as the amount is not reduced below the minimum repayment required.
Q18. Will everything I change online change on my induemoney Cheq account?
A18. No. `Customise' changes to the way your accounts are displayed in BIFOnline do not change your induemoney Cheq account. However, Client maintenance changes eg address, made online will change your induemoney Cheq account.
Q19. Can I make payments online using BPAY?
A19. Yes BPAY is available through BIFOnline under the `Transact' drop-down menu.
Q20. Can group payments, such as payroll payments to staff, be made online?
A20. Yes. Payments can be set up as follows:
Batch Payments -
1. Select Transact from the menu
2. Click on MultiTrans from the drop down box
3. When you first enter this area you will get a message “You currently have no Transaction Batches set up.” Use the links to add one
4. Select either Internal Transfer or External Transfer
5. Complete the transaction fields following the system prompts
File Upload –
induemoney BIFOnline Business users can upload files in CEMTEX (ABA) format containing multiple transaction batches. Full details are contained in the BIFOnline Business Administrator’s Manual. Make sure the file you are selecting for upload does not have any spaces in the file name.
Q21. Can I stop payment of a cheque/s drawn on my induemoney Cheq account online?
A21. Yes. You can enter details by selecting Other from the Menu and clicking on Stop Payment from drop down box.
Q22. Can I print out details of transactions on my account from BIFOnline?
A22. Yes. There are at least 2 ways you can do this.
Firstly, whilst logged on to BIFOnline you can print the account transactions as they appear on your computer screen by selecting the printer button image on the right-hand side of `Logout’ located on the brown bar under the BIF logo.
Secondly, whilst logged on to BIFOnline you can select `Account Number’ to display account transactions and then select `Download Transactions’ to download those transactions for a nominated period from the transactions available (up to a date approximately 2 days prior to the date of your BIFOnline enquiry) into a spreadsheet program eg excel, as Comma Separated Values (CSV), or to directly load into your accounting software package for easy bank reconciliation purposes using Quicken/MYOB (QIF), Moneys (OFC) or Open Financial Exchange (OFX).
Q23. How do I know that BIFOnline is secure?
A23. The security of BIFOnline is certified secure by a Verisign Assurance Certificate. VeriSign Inc is an international organisation which operates digital infrastructure that enables and protects billions of interactions every day across the world's voice and data networks.
The Green Address Bar of High Assurance
Microsoft® Internet Explorer 7 (IE7&) is the first browser to use the new standard in its security status bar. When you visit a Web site secured with an Extended Validation SSL Certificate, IE7 will trigger the address bar to turn green and display the name of the organisation listed in the certificate as well as the certificate's security vendor. The browser and the security vendor control the display, making it difficult for phishers and counterfeiters to hijack your brand and your customers.
See additional information - How to see the Green Address Bar in Internet Explorer 7.".
Clients using IE7 should learn to look for the green bar before they enter sensitive information through BIFOnline.
Q24. How do I access the BIF website?
A24. The BIF website is accessed through the link induemoney website.
Q25. Can I see my BIF Accounts via my induemoney BIFOnline internet login?
A25. No, you must have separate login access to view/access a BIF Account.
Q26. Can I transfer money from my induemoney BIFOnline login to a BIF `at Call', or `Loan Account'?
A26. Yes, to transfer between an induemoney Cheq account and a BIF `at Call' or `Loan Account' please follow these 9 simple steps:
Step 1. Click `Transact'
Step 2. Click `Internal Transfer' - the Transfer screen will come up
Step 3. Select `Transfer from' account from the drop down list
Step 4. At item `3. Enter Another BIF Account' and type your BIF 9 digit account number in the `Other Account' box.
Step 5. Where required type details into the `Reference' box (optional)
Step 6. Type in the amount `$XX'
Step 7. Click ‘Pay Now’, the `Confirm Transfer' screen will come up
Step 8. Click ‘OK’, the `Transfer Receipt' screen will come up
Step 9. Click ‘Finish’.
Q27. How do I make payments from my account using BPAY?
A27. Log on to BIFOnline and select BPAY from the drop-down menu under `Transact'.
Q28. Can I order a cheque book or a deposit book for my account through BIFOnline?
A28. You can order a cheque book for your induemoney Cheq account at any time by clicking on the heading `Other' and then select `Order Cheque Book' from the drop-down box. Deposit books can only be ordered through a BIF State office.