Using your account

You can check your account balance at any time free of charge with Internet, Mobile and Phone Banking, or through Bank of Melbourne ATMs. You can also check your account balance on your regular account statement. For real-time updates, you can also set up SMS or Email Alerts1 to give you regular balance updates.

As a Bank of Melbourne customer, you’ve got access to the one of the largest networks of ATMs in NSW and South Australia. Remember that you can now use any Bank of Melbourne, Westpac, St.George and BankSA ATMs in Australia. Find your nearest Bank of Melbourne ATM.

Your security and the safeguarding of customer information are important to us. We protect you against fraud and keep your personal banking details secure at Bank of Melbourne by providing leading edge, industry standard technology and processes. Our advanced computer systems are designed to detect possible fraudulent transactions.

Our commitment to your security is of utmost importance to us.

You can use BPAY^® with Internet and Phone Banking to pay your bills. If you need help learning how to use BPAY^®, you can try our Internet Banking demonstration or ask us at any Bank of Melbourne branch.

You can still access your account when overseas. It’s important to remember that there are charges for overseas ATM use. Our Bank Account Fees and Charges booklet has all the details.

Manage your daily withdrawal limit (up to $2,000).

If you overdraw your account and don't have an approved Bank of Melbourne overdraft facility in place, fees may apply. To see how much you’ll pay if your account is overdrawn, our Bank Account Fees and Charges booklet has all the details.

You can set up periodical payments and direct debits from your account. The best way to do this is to register for Internet and Phone Banking and then set up the regular payments. You can also call us on 13 22 66 and say "Existing Account" when prompted, or visit one of our branches.

A periodical payment is a recurring payment that you set up to pay a commitment, such as your rent or a loan. It is easy to set up and you can change it as you wish.

A direct debit is a payment established through a particular merchant, where you have authorised them to draw funds from your account. For example, you can arrange a direct debit for your phone bill each month.

Avoid being charged a dishonour fee by having enough money in your account when the periodical payment or direct debit is due.

To see how much you’ll pay for these services, our Bank Account Fees and Charges booklet has all the details.

To close a Bank of Melbourne account that you no longer need, please visit your local branch. If you don’t live near a Bank of Melbourne branch, you can call us on 13 22 66.

If you currently haven’t got a PIN, or you can’t remember one that was issued to you, or want to change your current PIN, you can request a PIN for your credit or debit card:

• Online any time, if you haven’t already done so, simply register for Internet, Mobile and Tablet Banking. You will need to provide a valid phone number for Bank of Melbourne Secure Code service. Once you’re logged in, click on the Change card PIN link in the Manage my accounts menu of internet banking or the Services menu of mobile banking to reset your PIN at any time. You don’t need to know your existing PIN, however, authorisation will be required via the Secure Code service. Or;
• Via a Bank of Melbourne ATM^ or by visiting your local Bank of Melbourne branch with your card and identification. Please note to change your PIN at a Bank of Melbourne ATM you will be required to know your current PIN. Or;
• To be mailed to you by calling us on the numbers below or visiting your local branch. If you choose to have your PIN mailed out to you, this will take 5-7 business day.

For customers overseas, please phone our Customer Service Team on +61 3 8536 7870 - 24 hours, 7 days.

Effective 20 March 2013, the Terms and Conditions for your deposit account will change to reflect the standards of the ePayments Code. Information relating to these changes will be available on our website at bankofmelbourne.com.au/tandcchanges from 1 March 2013.

What is the ePayments Code?

The ePayments Code is a voluntary Code regulating consumer electronic payment transactions, including ATM, EFTPOS and credit card transactions, online payments, internet and mobile banking, and BPAY. Detailed information about the Code can be found on the ASIC website.