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 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 online 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 & Registered)
   * Quick Pay (Open & Registered)
   * Payment to 3rd Party Accounts (Open & Registered)
   * Interbank Funds Transfer (Open & Registered)
   * Bill Payment (Open)
   * Investment (Open & Registered)
   * Mobile Prepaid Recharge
   * SMS Top Up Registration
   * Account Registration and Maintenance
   * Profile Maintenance
   * Direct Debit
   * Financial Process Exchange (FPX)
   * Foreign Remittance
   * MyMobile
   

   	- Activation
   	- Unregister
   	- Update favourite lists
   	- Change mPIN
   	- Unblock mPIN

   * Positive Pay
   * Cheque Book Request
   
   
   
3. How do you obtain your PAC?
   

   *	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.

   
   Note: For customers who are overseas, you must have an active Malaysian mobile service number (currently applies 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 phone service are required to register their mobile phone number via Public Bank branches.
   	Note: Should there be a change in your mobile phone number, you are required to update your new mobile phone number at any Public Bank branches.

   
   

   *	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.

   
   
   
5. Can I use the same PAC for multiple transaction?
   * A new PAC is required for each transaction.
   
   
   
6. How does PAC works?
   

   *	Login to PBeBank.com using your existing USER ID and PASSWORD.
   *	Request for PAC at the confirmation page when performing a transaction.
   *	Enter the current PAC shown on your mobile phone sent via SMS. Ensure that the "Serial Number" for the PAC shown on your mobile phone correspond with the "Serial Number" shown at the PBeBank.com transaction screen.

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