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What the LLL does to protect your funds.

We take security and privacy seriously. We provide a unique Login ID and Access Code to you and you only. We use advanced internet security, which includes firewall technology and encryption, to ensure that account and transaction information is secure.

Our Internet Banking is a secure site which uses 256-bit encryption for all information transmitted between your computer and Internet Banking. This ensures that if this data is intercepted, it cannot be deciphered by an unauthorised user.

The LLL will always ensure that your funds are secure, and will continue to introduce further initiatives to secure your funds as they become available. We trust that this information will help you to understand how you can ensure that your funds are protected when you use Internet Banking.

In addition, the LLL provides One Time Passwords for you – at no charge – to provide that extra level of security and peace of mind. 

What you can do to protect your funds.



Scammers can use you to gain access to your computer simply by an unsolicited phone call, text message or fake email. Scammers will present themselves as being from a reputable business such as government agencies, service providers and/or banks. The scammers will often guide the individual through a series of steps which results in the scammer gaining full access to your computer. The scammer may ask for you to log on to your internet banking for you to check to see if it is still working. While you are doing this they are seeing everything you are doing so that they can access your login details and other personal information. Unknowingly to you they can also be then making transfers of funds from your accounts.

Be sure to never to login to your internet banking at the request of anyone or share your password or personal details to a third party. If you suspect the caller to be reputable, tell them you’ll call the provider back at a time that is convenient to you. No reputable organisation would ever call and ask you to log in to your internet banking. If you have knowingly logged in at a third parties request change your password and immediately call contact us to check your transaction history and to alert us that you may have had a scammer access your details

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 browsing. The LLL recommends using the latest version of either Microsoft Internet Explorer or Mozilla Firefox.

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 the 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 the LLL recommends.


The LLL does not send any unsolicited emails in relation to Internet Banking. You should never provide any financial details including your Login ID or Access Code in response to an unsolicited email request. The intention of the hacker is to be able to obtain these details directly from you so that they can then login and perform transactions on your account. Hoax emails can lead you to a false website that can look genuine. The LLL does, however, offer a secure method of sending an email to the LLL through Internet Banking.

Logging out.

When logged in to 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 the LLL immediately if you find an unrecognised transaction on your account, whether that is a deposit or a withdrawal.

Every time you login, 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 login to 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.