ADF Response to COVID-19

The ADF would like to advise that, in the event a COVID-19 pandemic is declared and/or movement restrictions are enforced, there will be minimal to no disruption to our services.

We have a number of measures in place internally and with our suppliers to ensure continuous delivery of all ADF services including but not limited to:

  • Inward and outward transaction processing
  • Accessing and making payments through ADF Online
  • Direct debits; and
  • Handling of all calls and emails to the ADF.

Please contact your Relationship Manager or the ADF if you would like any additional information on the ADF’s preparedness in the event this situation occurs.

Fraud Alert – Increase in Overpayment Fraud

The ADF wishes to advise all customers be aware of a current overpayment fraud trend that is impacting Queensland businesses.

Overpayment or ‘payment in error’ fraud involves fraudsters making payments via a business’s online payment link and then contacting the business to advise an incorrect payment amount was entered or the payment was made in error and they request the funds be returned via account transfer.

How the Fraud Works

This is quite a sophisticated fraud attempt where the fraudster works hard to make you believe they made the payment in error and that they need the funds returned immediately.

  • The fraudster steals credit card details and then uses these stolen credit card details to process a payment using your online payment link (BPOINT page) for a relatively large amount
  • The fraudster will then email you to confirm if you received the payment, they generally don’t ask for the money back immediately as they attempt to build a rapport with you first
  • When you advise that you have received it, they will then ask for you to return the funds.  They will either say that they only wish to make a small payment or donation and will request the difference be returned to them via account transfer or they will say they made the payment in error and request the full amount be returned via account transfer
  • They have been successful in their fraud if you return the funds via account transfer and you will then be out of pocket the amount that you transferred plus the amount of the original transaction as the issuer of the stolen credit card will also reverse the transaction from your account.

How to Protect Your School or Parish

There are a number of steps that your business can take to protect yourself from frauds of this nature.

  • Ensure your staff are aware of this scam and understand how it works so they can identify it, avoid it and report it.
  • Perform regular reconciliations of your BPOINT payments to ensure you can allocate all payments
  • If you receive any payments that you are not expecting or the records do not match any you have on file, refund the payment immediately back onto the card via BPOINT
  • As per you merchant refund policy, refunds can only be granted in the method the payment was made eg a card transaction can only be refunded back to the card
  • If you receive any emails requesting an overpayment or payment made in error be refunded via account transfer, do not action it.  Advise the sender that you will refund the transaction directly back to the card and process it through BPOINT immediately.
  • Under no circumstances should you refund the transaction via any other method.

More details on this scam can be found at

If you are concerned that you may have been a victim of this or any other scam, please contact the ADF immediately.

Update – Issue with Future Dated Transactions

As per previous notice, an error was made by the Archdiocesan Development Fund (ADF) on Monday 24th February which has resulted in all payments due between the 24th and 29th February being processed on the 24th February.

Please refer below for more details on the payments impacted and issues that may arise as a result of this.

Scheduled payments to Creditors – Single EFT Transfers or Bpay Payments

Any one off or single EFT transfers or Bpay payments that were scheduled to process on any day from the 24th to the 29th February have been processed and sent effective Monday 24th February.  

However, as the system believes all single EFT transfers and Bpay payments have been sent up until the 29th February, you will be unable to alter or cancel payments that have been paid within this period and you are unable to load any new single payments with a start date earlier than the 1st March 2020.

Direct Debits

All direct debits from external accounts including school fees and parishioner donations/collections that were due on any day from the 24th to the 29th February have been processed and the deposits processed to your ADF account. However, to ensure your customers are not negatively impacted by this issue, we have been able to develop a solution to ensure that these debits are only deducted from the external account on the day it was actually due.

For example, a school has a fee direct debit due to deduct from a parents account on the 28th February. The school received these funds on the 24th February however the parent’s account will not be deducted until 28th as per normal. 

However, as the system believes all debits have been sent up until the 29th February, we are unable to alter or cancel debits that have been paid within this period and we are unable to load any new debits with a start date earlier than the 1st March 2020.

User Managed Direct Debits

For schools who are managing their own direct debits via ADF Online you are unable to alter or cancel debits that have been paid within this period and you are unable to load any new debits with a start date earlier than the 1st March 2020.

Payment Batches

As payment batches loaded through ADF Online are handled in a different part of the system than scheduled single EFTs and direct debits, these are unaffected by this issue and you can continue to load creditor or debtor batches as per normal.

Pay Now Single EFT Transfers and Bpay Payments

You can continue to load single EFT transfers and Bpay payments using the Pay Now option as these should not be impacted by this issue.

The ADF would like to thank our customers for your understanding during this period and would like to apologise for this error and the inconvenience that this has caused.

If you are unable to action any urgent items or you or your customers have incurred any costs as a result of this, please contact your ADF Relationship Manager to discuss. Alternatively you can contact the ADF on 07 3324 3777 or via email  

Issue with Future Dated Transactions

We wish to advise that due to a processing error, all future dated transactions with a date up until the 29th February have been processed this morning, this includes all loan payments, external payments and direct debits.

We are treating this with the highest of priority and are investigating a solution to fix this issue asap. We will be providing updates via our website as we work this through this issue. We apologise for this issue and any inconvenience that this may cause.

Please don’t hesitate to contact the ADF if you have any questions.

Cyber Trends 2020

The January 2020 issue of CommBank’s dedicated business cyber security publication, Signals is now available for download here. In this edition, the CBA take a look at evolving cyber security threats moving into 2020, the sophistication of phishing scams, impacts of cyber fraud on small businesses and also includes useful tips on how to create and use stronger passwords.

Password Security

To ensure your ADF Online log in details remain as secure as possible, the ADF recommends that you:

  • Never instruct your computer to save your ADF Online password
  • Never record your password anywhere either in writing or online
  • Never share your login name or password

If you feel your details have been compromised, please contact the ADF immediately.

Christmas Operating Hours

The ADF will be operating as normal throughout the Christmas and New Year holiday period with the exception of the gazetted public holidays. Any customers pre-loading files or transactions for the holiday period should ensure that they have sufficient funds in their account to cover the total amount of transactions to be processed.

If you require a temporary daily limit increase to allow your files to be processed, please contact the ADF on 07 3324 3777 to arrange.

We would like to wish all of our customers a safe and happy Christmas.

Update – CBA Processing Issues

Further to the update previously provided by the ADF on the processing issues experienced by the CBA on Thursday 17th October, CBA have confirmed their transaction processing is now up to date with all delayed transactions now processed and received by the payees.

CBA have advised that they will reimburse costs incurred as a result of their processing issue. If you, your organisation, your employees or your suppliers were charged any late payment, dishonour, overdrawn account fees or interest as a result of delayed payments, please contact the ADF on 3324 3777 to discuss the reimbursement process.

The ADF would like to apologise again for this issue and any inconvenience it has caused. We are working with our CBA representatives to understand what caused the issue and what steps are being taken to ensure it can’t occur again.

Please don’t hesitate to contact the ADF if you have any questions or would like any additional information.

CBA Processing Issues

As you may be aware, the CBA experienced a network outage yesterday. This outage resulted in a number of their transactional processing systems going down including Bpay, international transfers and both inward and outward EFT processing. These systems being unavailable means that any Bpay or EFT transfers processed yesterday via ADF Online or batch uploads were held at the CBA and not released to the beneficiaries.

CBA have now advised that the network issue has been rectified and all systems are back on line. Any transactions that were processed yesterday are currently in the process of being released and should be received by the beneficiaries in the next 24 – 48 hours. We have also received all inward transactions that were held over as a result of this outage and credited those to customer accounts this morning.

We would like to apologise for this issue and any inconvenience caused. The ADF is working with our CBA representatives to gain an understanding of what caused the issue and what steps they are taking to ensure it doesn’t happen again.

Please don’t hesitate to contact the ADF if you have any questions or issues with payments delays.

ADF Interest Rate Review

Due to market pressures, the ADF has made the decision to review its interest rate settings.

We regularly review our interest rates to ensure they reflect market conditions whilst maintaining a balance between our customers’ loans and investment requirements. The ADF is very conscious of the impact these changes have on our customers.

The ADF is committed to funding Church mission and maintaining long-term stability, and this ultimately drives every decision we make. The new rates will be applied as follows and effective 1st September 2019:

Standard Variable Loan Rate:-4.10% (currently 4.60%)
Standard Investment Rates:-
Up to $499,9990.50%
$500,000 to $1,999,9991.00%
Over $2,000,0001.50%

If you have any questions on this or on other ADF matters, please do not hesitate to contact your ADF Relationship Manager.

Cheryl CaughleyManager, ADF07 3324 3740
Michael ParerManager, Customer Service07 3324 3781
Liz SherrattRelationship Manager07 3324 3768
Stephany YangRelationship Manager07 3324 3749
David MansulRelationship Manager07 3324 3748
Mark GrayCustomer Service Liaison & Project Manager07 3324 3751