ROMANCE SCAMS. Scammers use dating or friendship to get your money. They go to great lengths to convince you the relationship is real and manipulate you to give them money. If you suspect that you have been scammed visit Staying Secure and call LLL 1800 556 457.

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Safeguarding your financial and information security is our priority  


At LLL, we do what we can to protect depositor funds and personal information.    

Our approach to information security protection is multifaceted, reflecting the vast array and ever-changing nature of online threats. LLL continue to invest in the latest systems, expertise, and industry practice. 

LLL's Internet Banking platform is a secure site that uses 256-bit encryption for all information transmitted between your computer and Internet Banking. 

LLL use advanced internet security, including firewall technology and encryption, to ensure that account and transaction information is secure. 

Online safety - simple steps you can take to protect yourself: 

  • Use One Time Passwords (OTP) to enhance the security of your LLL Internet Banking access. You can register for OTP under the Settings Menu in the desktop version of Internet Banking or contact our staff for assistance. 

  • Use strong Passwords on your computer and online logins and change them regularly. A strong Password includes a mix of letters (upper and lower case), numbers, and symbols with no ties to your personal information.

  • Never share your password or login credentials. 

  • Be aware of current fraud and scam threats (find more information below). 

  • Be sure to run the latest software updates on your computer and mobile phone to keep security settings current. 

  • Do not download content or click on links from sources you don't trust. 

  • Contact third parties to confirm bank account information before initiating a payment.  


LLL will never ask for remote access to your computer or for your password or One Time Password. If someone contacts you and asks for this information, please hang up and call LLL on 1800 556 457. 


More information on how you can protect your funds.

Be on the alert for scams  

There are various types of scams in operation. 

Your vigilance is the best protection against scammers. If you think you may be the target of a scam, take steps to protect yourself immediately: 

  • Stop what you're doing. 

  • Ask someone you trust for help. 

  • Block the text, delete the email, don't click the link, hang up on the caller and change your password/s. 

  • Contact your bank without delay as early intervention is key. 

  • Never log in to internet banking at the request of anyone, and never share your password or other login credentials.  

  • If you feel that a call may be legitimate, but you are not completely sure, return the call or message on a publicly known phone number, not the contact details provided by the potential scammer. 

For more information, please visit The Australian Cyber Security Centre, Scamwatch or ACCC.  

Virus protection 

Ensure that you have virus-checking software from a reputable company. Before logging into Internet Banking, check to make sure that the virus checker is up to date. This will reduce the risk of you obtaining a virus on your computer that may allow a hacker to do damage and put your funds at risk. 

Spyware protection 

Spyware monitors user activity on the internet and transmits that information to someone else without you knowing it. Spyware can also gather information about email addresses and even Passwords and credit card numbers. 

To avoid such spyware, choose a reputable internet security package that can secure your computer from spyware. 


Firewall software and/or hardware can be used to prevent hackers from gaining access to your computer via the internet. You authorise the internet traffic that is allowed to pass to and from your computer. This can add further security to your computer and is often already present within a business network or as part of an internet security software package. 


Always ensure that you have the latest version of your browser installed, together with any patches that are available. New discoveries are always being made by hackers on how they can infiltrate browser security, so patches are required to ensure that you are not vulnerable in any web browser. LLL recommends using the latest version of either Microsoft Edge or Google Chrome. 

The padlock 

Whenever you enter a secure internet site such as Internet Banking, you should always check to see that a locked padlock symbol appears at the top of the browser. All data transferred between the computer and LLL is encrypted with 256-bit encryption to ensure that if this data is intercepted, it cannot be deciphered. All recent web browsers incorporate this level of encryption, so it is important to ensure that the browser you are using is one that LLL recommends. 


LLL does not send any unsolicited emails in relation to Internet Banking. You should never provide any financial details, including your Login ID or Password in response to an unsolicited email request.  LLL does, however, offer a secure method of sending an email to the LLL through Internet Banking. 

Logging out 

When logged into Internet Banking you should never leave your computer unattended. The 'Logout' button in the top right-hand corner of the page should always be used when you have completed your Internet Banking session. This will ensure that you are disconnected from Internet Banking and prevent others from accessing your private information. If you do forget to logout, Internet Banking will automatically do so after a period of time for your protection. 

Checking your account 

Always check your account balance and transactions regularly to ensure there are no unauthorised transactions on your account. Call LLL immediately if you find an unrecognised transaction on your account, whether that is a deposit or a withdrawal. 

Every time you log in, the welcome page displays your last login date and time. Take note of this information so you can confirm it. 

Not using a known secure computer? 

Avoid using computers in public places to log into Internet Banking. Not only can someone look over your shoulder, but you do not know how secure the computer is. Many of these computers contain viruses and spyware and should not be used for Internet Banking purposes. 


Bookmark the main LLL website or the Internet Banking login page using the Favourites/Bookmark option in your browser and use this bookmark when logging into Internet Banking. This will ensure that you are always going to the correct website.