NOPE just NOPE
I have now been with ME 2 years. I am never able to access my money when I need it. Servers are always down or crashed. There are no Names on alot of the transactions especially in Bpay you have to guess what you have paid so cannot ever be used as proof of payment in that respect. I Doubt the lack of fees matters if you cant use the money in your own bank.
$1200 stolen from my account took 7 days to contact me.
I had an SMS to advise my account had suspicious activity.
Called the bank confirmed this and they cancelled my card.
Lady told me I would get a call within 2 working days to start a claim. No advice given however I have since found out from a friend that works in another bank you should be told you should lodge an online police report via cyber.gov.au to get Police to commence investigation.
Called a few days later as had not had a call back - nice guy on the phone was just customer service and not fraud or claims, he was not allowed to tran...
Unable to have references when paying invoices.
A Tenant of mine who pays rent, places the reference that is supposed to go on my Statement, I am unable to see the reference, as the Receipt Number which has way too many digits obscures the reference. When the Tenant rang the Bank to investigate, they said, there is no way they can change their system. Well if the person on the other side, can't see who paid the funds, its not trackable. Having received payments from just about all the Banks, I have never seen this problem in 10 years of working in Property Management. This is somethin...g that ME Bank needs to fix. Apparently many people have complained about this issue. I have been forced to put a new special Lease Condition in all new Leases to cover this, if the Tenant's Bank, doesn't have any way of allowing their customers to pay so the payee can see a reference or who paid it, then they must pay the rent at the Bank Branch.
DONT BANK WITH ME
Where do I start? This bank is an absolute joke, seriously I can't believe they are keeping afloat. There customer service is disgusting, you ring up with an issue and it's never EVER! resolved on the spot always (we need 2-3 business days to look into it) I've been caught out so many times with out any access to my online banking and having issues like leaving groceries at supermarket to being stranded because not being able to pay for taxis due to not being able to log in. For an online only bank there support is from 9-5 only so outside of t...hese hours good luck sorting anything out if you have issues. Pathetic!! I can't stress to you enough how painful the experience has been with this poor excuse for a bank but Im finally glad I have shifted my home loan from them to Macquarie who I highly recommend. Even the process changing banks was a joke ME delayed settlement and after numerous phone calls still can't organise my discharge statement.. honest look elsewhere
Credit Card replacement
Is there any bank could replace a new credit card over a weekend like ME bank?
I cancelled my Credit Card due to an doubtful scam on Thursday and received a replacement card on the following Monday in the priority envelope. Very happy with their service.
- Verified customer
Good bank I have been with since they started
I have been with ME Bank since they started which is over a decade.
Despite no shopfront they have been OK and easy to use. Its easier if you have full time computer access.
Rates for term deposits are among the best out there. Mortgage rates are good and it pays to question the offered rate to get abetter deal.
I have moved locations and towns several times in past years and this has not been a problem.
I as a rule do not like call centre calling but the ME Bank is OK - local and helpful
I first used ME a couple of years ago and decided then not to use them again. BUT... they have good rates for term deposits. This time when my account matured I extended but noticed that they had deducted tax from the interest, even though they had my TFN. It`s a chore getting online with them so I cancelled and promise myself never again.
Great bank and great service. Stay away from Reduce home loans.
Thank you MeBank, and in particular Joey, for always being transparent and having amazing customer service. We were looking to refinance our mortgage with a different lender, Reduce Home Loans, that was offering a slightly lower interest rate. However, once we submitted all our financial information to Reduce Home Loans administrator, Mezy and received the mortgage documents from their solicitors, it was only then that we were notified of their fees and charges. Just some of the fees included if we wanted to withdraw money from our redraw accou...nt through Mezy, if we wanted to amend the terms of our loan - e.g going from a variable to fixed rate and if we wanted to get our repayments recalculated. We did not expect there to be fees for nearly all changes that we may wish to make as MeBank doesnt have these fees. When it came down to it, the overall cost of our mortgage would have been greater with Reduce Loans. We therefore decided to stay with MeBank and were able to negotiate a slightly lower rate than we had before. We have been with Mebank for nearly 3 years and have always had amazing customer service, with employees being able to explain how our mortgage works and with us being able to alter our repayments, change from variable to fixed and withdraw money from our redraw account without fees. MeBank is a bank without nasty surprises. Stay away from REDUCE HOME LOANS. Dont even bother, they will give you suprises like they did with me after going through a 3 month lengthy process of refinancing.
Long time customers
Weve been with ME for more than 15 years, over two home loans..(newest one only 15 months ago) .it has been 5 weeks since we applied for a 20,000 topup, the hoops weve been made to jump through are ridiculous!! So not happy!!! We are moving...
Transferring between my own accounts
Only been with these guys like a month and they have stitched me up on several occasions due to processing times. I transferred from another bank to my ME account and it took 4 days to clear. Earlier this week I transferred too much money into my savings, now its been stuck in limbo for days with no sign of it clearing. These guys are useless. As soon as it clears Im withdrawing everything and shutting the accounts down.
Not processing salary payment is the last straw
I have been with ME Bank for many years and have generally been happy up until recently.
I can barely tolerate their two weeks to cash a cheque (and to credit cash deposited at the same time) via Australia Post (their preferred method of cheque deposit). I can barely tolerate their shutdown and non-processing of transfers on Melbourne Cup Day - a working day for the majority of Australians.
I can't tolerate their non-crediting of Australian Public Service salary payments on the due date.
Goodbye ME Bank, I will be taking my business elsewhere.
This bank does not care about their customers.
I know most banks are the same but these guys are useless. They flat out refuse to embrace technology which is now industry standard. They are years behind their competitors (bigger and smaller). They have been giving the same excuses for more than 2 years. They do not have apple pay or samsung pay or Google pay. No instant transfer option is available. For years they tell me it's about security and my protection. That is rubbish. It is because they do not want to invest in the tech. Customer for 4 years. Moving banks now.
I've been with the bank for 15 years and they have screwed us over for the past 8 of them by charging annual fee that doesn't transfer to lower interest rates on multiple home loans. Poor customer service and no loyalty to long term customers.
GOOD CLEAR SERVICE
I am an ELDERLY member and have always received excellent help over the last 6 years . This morning October 12th 2019 I talked with KEVIN he was very helpful in explaining the new tap and go programme for my savings and the new interest rates. All rates are going down but ME bonus is steady / constant unlike others only for 4months and then disappears. Good service better than other banks I have had my savings with with.
Great products, so so customer service
I have been with this bank for over 15 years and have taken advantage of the low or no fees on a variety of products. Savings accounts, personal loans, credit cards and, now, home loans (two!). If you are looking for simple products and a decent online banking system then ME Bank will suit you.
One of the draw cards for using ME Bank was that it WAS the little guy for a while and promoted low rates and fees, but unfortunately they seem to make their money back by not providing variable home loan rate cuts that are comparable with what the othe...
I’ve been banking with ME for over 20 years and have had a number of home loans with them. The experience overall has been a mediocre ‘average’ although I think service levels have declined in recent years. It’s often difficult to get through on the telephone and more often than not, you’re greeted with a message saying wait times are longer than usual due to unusually high call volumes. When that happens on a regular basis, then that level of call volume IS the norm, so stop saying it’s unusually high! What it does mean is that you don’t have ...enough people answering the phones. Also, if you want help after 8pm weekdays or after 6pm on a Saturday - too bad, you’re on your own. And don’t bother calling for help on a public holiday because “We take national public holidays off”. WTH!! So, as at the time of writing this, ME Bank is offline and I can’t access my money. It’s Sunday so the lights are out at ME bank. Here’s a heads-up ME: change is on the way. I’ve already got a debit card with one of the ‘neo’ banks and I’ll soon be transferring all my accounts to them. Time to wake up and lift your game.
ME Bank is excellent for simple banking without fees
I have banked with ME for around 15 years, taking out 3 home loans with them and maintaining a credit card, and I can recommend them for their service, interest rates and responsiveness. They don't charge many fees and although there may be some minor drawbacks to an online, vs bricks and mortar bank, I thoroughly recommend them for all banking needs.
I have been with ME for the longest time. Every time I need help they help immediately, without question and let me talk about what is going wrong. My income was suspended for several months a few years ago and they advised me how to get my home loans suspended, they showed me how to reduce my home loan payments by splitting my loan. I have never had a bad call. Thankyou
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Questions & Answers
Does your app and online banking regularly drop out and stop working, especially both at the same time? I am currently not able to sign in on either platforms and am not aware of planned scheduled services?
With tap and go is there a charge?
ME B.ME (Members Equity) Bank
Hi Bernadette, ME does not charge you to tap & go! Sometimes a merchant might have a surcharge to use your card at their establishment, but that's more of a venue-specific charge rather than a usage-charge. Let ME know if you have any other questions today :) -Beck
Was using my Frank credit card online a few things in one night went to use it again said card was invalid, checked app the ccard has completely disappeared from my my accounts online, where has it gone
ME B.ME (Members Equity) Bank
Hi Dan, I'm sorry for the inconvenience of this one. We had some server issues on the weekend which meant that cards disappeared from internet banking for a few hours but everything should be back to normal now. If you still can't see your card please get in touch with ME so we can have a closer look into your account for you. -Beck
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