customer care statement
The relevant provisions of the Mutual Banking Code of Practice and the EFT Code of Conduct apply to all mecu Limited products and services.
SMS alerts
SMS Alerts is an automated information service that allows you to gain access to selected transaction and balance information about your bankmecu savings account(s) using Short Message Service (SMS) sent to your mobile phone. You can choose to receive alerts when certain transactions occur, when your balance reaches a specified amount, on a regular basis, or on demand.
fees for SMS alerts
bankmecu charges 25 cents for each SMS Alerts message sent. The fee will be debited to your nominated savings account at the end of each day. Your telecommunications provider may also charge you fees for sending or receiving SMS.
The fees and charges for your bankmecu savings and loan products and services still apply - please refer to our Fees and Charges Brochure and the relevant terms and conditions for your account(s).
SMS Alerts messages will not count as debit transactions for the purpose of calculating any transaction fee rewards.
We may change the fees and charges for SMS Alerts from time to time. Please refer to "Changes to SMS Alerts" below.
registration for SMS alerts
To register for SMS Alerts read the SMS Alerts information on the website at bankmecu.com.au then simply log into Internet Banking and register. If you do not use Internet Banking contact bankmecu on 132 888.
Please read all these terms and conditions before registering. We also suggest that you print a copy of the terms and conditions for future reference. Copies are also available from bankmecu.com.au or 132 888.
selecting and changing SMS message alert settings
You can select and change the SMS message alerts that you will receive via Internet Banking at any time.
For example, you may choose to receive an SMS message to your mobile phone or to your home email address:
• when funds are credited to your account/s electronically from an external party (direct credit);
• when funds are debited from your account/s electronically by an external party (direct debit);
• when your account balance goes above a pre-set limit;
• when your account balance falls below a pre-set limit; and/or
• informing you of your account balance at regular pre-set intervals.
We will advise you on our website of the available alerts from time to time and how to add, delete or modify alerts.
on demand information
You can choose to receive an SMS message for certain information on demand at any time, by sending the relevant code from your mobile phone to bankmecu on 0428 862 909. For example, you can request the balance of your account by sending "b" or recent transactions on your account by sending "t".
We will advise you on our website of the available information on demand from time to time and how to request information.
reliance on SMS Alerts
SMS Alerts is available 7 days a week. Although, SMS Alerts may not be available when bankmecu is processing end of day transactions (generally between 6pm and 10pm) or is conducting maintenance on the service or it's systems.
bankmecu will make all reasonable efforts to ensure the availability, accuracy and currency of SMS Alerts, however we are not liable if SMS Alerts is not available, is inaccurate or is experiencing delays or errors and we do not accept liability for any loss that you suffer as a result of a problem with SMS Alerts .
You should not rely solely on SMS alerts to manage your account(s) and should check your Statements of Account for any discrepancies.
cancelling your registration for SMS alerts
You can cancel your registration for SMS Alerts at any time via Internet Banking or by calling bankmecu on 132 888.
bankmecu can cancel your registration for SMS Alerts, or the provision of SMS Alerts generally, at any time, for any reason.
changes to SMS alerts
We may change these terms and conditions from time to time, including the fees payable, alerts and information available and accounts that can be accessed.
Information about SMS Alerts and the services currently available can be found on our website bankmecu.com.au.
We will give you notice of any changes to the terms and conditions in writing, electronically or by advertisement in the media. If we increase or introduce a fee we will give you at least 30 days notice. We will give you notice of other changes no later than the day they take effect.
privacy and security
For general information about our Privacy Policy, please refer to bankmecu's Product Disclosure Statement for Savings Accounts, Non Cash Payment Services and Term Deposit Accounts.
Warning - SMS messages may not be secure and if you have concerns about your transaction and balance information being sent by SMS message you should not register for SMS Alerts.
We recommend that you protect your information by keeping your mobile phone secure at all times and deleting your SMS messages after you have read them.
You should cancel your registration for SMS Alerts and re-register with your new mobile phone number if you change phone numbers or if your mobile phone is lost or stolen.
dispute resolution
If you have a complaint about our services, please contact us first on 132 888 or at:
Private Bag 12, Kew VIC 3101 to allow us to investigate and address your complaint.
For a summary of our dispute resolution procedures and for contact details of a free and independent external dispute resolution service, please refer to our Product Disclosure Statement for Savings Accounts, Non Cash Payment Services and Term Deposit Accounts or our Financial Services Guide, both available on our website www.bankmecu.com.au or by calling 132 888. Our Dispute Resolution Brochure is also available on request.