With effect from 15 November 2006, it is mandatory for all PBeBank.com customers to use a security authentication code known as "PBeBank.com Authentication Code" (PAC) when performing online 3rd Party Transactions and updating of personal details.

The introduction of PAC is to provide a greater security framework so that PBeBank.com customers can use our Internet Banking Service with full confidence and at your convenience.

1. What is PAC?
   

   *	PAC is a unique 6-digit authentication code which is system generated.
   *	This is in addition to your existing User ID and Password used for LOGIN.
   *	PAC acts as an additional security for you when you perform 3rd Party Transactions and updating your personal details.

   
   
   
2. When is PAC required?
   PAC is required when performing the following transactions as listed below:
   * Fund Transfer to Own Account (Above RM5,000.00 up to maximum RM30,000.00 per day)
   * Fund Transfer to 3rd Party Accounts (Open)
   * Payment to 3rd Party Accounts (Open)
   * Interbank Funds Transfer
   * Bill Payment (Open)
   * Investment (Open)
   * Mobile Prepaid Recharge
   * SMS Top Up Registration
   * Account Registration and Maintenance
   * Profile Maintenance
   * Direct Debit
   * Financial Process Exchange (FPX)
   * Foreign Remittance
   
   
   
3. How do you obtain your PAC?
   

   a.	If you have registered your mobile phone number - your PAC can be requested via PBeBank.com and the 6-digit authentication code will be transmitted to your mobile phone via SMS, or
   b.	If you do not have a mobile phone number
   	- your PAC can be obtained at Public Bank ATMs. - the PAC (i.e. 6-digit authentication code) will be printed on the ATM slip.

   
   Note: For customers who are overseas, you must have a Malaysian mobile service number (it is currently applied to Maxis, Digi and Celcom only) and access to international call roaming service.
   
   
   
4. How to register your mobile phone number?
   

   *

   All PBeBank.com customers with mobile phones are required to update their mobile phone number via Public Bank ATMs. Note: Although you may have previously registered your mobile phone number, you are still required to update your mobile phone number again. This is to protect the safety and security of your transactions performed via PBeBank.com

   
   
   

   *	Once you have registered your mobile phone number, you can request for PAC online and it will be transmitted to your mobile phone via SMS.

   
   

   *	Steps on registering/updating your mobile phone number via Public Bank ATMs
   	a.	Select "Other Services"
   	b.	Select "More Services"
   	c.	Select "PBeBank PAC Application"
   	d.	Select "Register/Update Mobile Phone No."
   	e.	Please key in mobile phone no. (10 digits only) and press "Enter"

   
   
   
5. What is the validity period of PAC?
   * PAC requested via PBeBank.com will be valid for 30 minutes.
   * PAC obtained via Public Bank ATMs will be valid for 6 hours.
   
   
   
6. How does PAC work?
   

   *	Login to PBeBank.com using your existing USER ID and PASSWORD.
   *	Request your PAC via PBeBank.com or ATM before doing your transaction which requires PAC, as per item (2).
   *	Enter the correct PAC shown on your mobile phone number via SMS or ATM slip. Please ensure that the "Serial Number" for PAC shown on your mobile phone or ATM slip correspond to the "Serial Number" shown on the screen.
   *	You can use the same PAC to do multiple 3rd party transactions or updating of personal details within the same login session.
   *	Once you have logged off from PBeBank.com, you are required to request for a new PAC. PAC is only valid once for each login session.

Note:
Do not request for more than one PAC because the earlier PAC will be revoked and invalid.

For customer that do not have a Public Bank ATM card or joint account, registration of your mobile number will be at your account holding branch.