internet security.

important security advice for internet banking customers

You may have heard about email scams targeting internet banking customers of other banks. Scam emails that appear to be from the bank either:

  • Request confirmation of your internet banking Customer ID and Access Code; or
  • Direct you to an authentic looking, but fake website where a virus is secretly loaded onto your computer that records your keystrokes.

Most scam emails include false statements intended to create the impression that there is an immediate threat or risk to your account. In other cases the emails have promised a prize or other special benefit or tell you to install software from the email that checks and removes viruses.

If you have gone to our website and logged into internet banking, we may send you emails via the Secure Email Functionality about transactions on your account. However, even when using the Secure Email Functionality, we will never ask you for your account Access Code.

We expect you to be security conscious and to take steps to protect your personal information when you are using internet banking.


protect your personal computer

We recommend that you:

  • Ensure you have the latest anti-virus and firewall protection on your computer and that the software is updated regularly to ensure your protection is current;
  • Download and install the most up to date security patches from your software vendors;
  • Do not click on links or open email attachments from unknown sources; and
  • Scan your PC with your anti-virus software at regular intervals.

A couple of websites where you can find more information about anti-virus tools and firewalls are Symantec and Trend Micro.


protect your security

Follow these tips below to maximise the security of your personal information when using internet banking:

  • Select an Access Code that is easily memorised, but which is difficult for others to guess;
  • Change your Access Code regularly, we recommend every 30 days;
  • Never divulge your Access Code to anyone (we will never ask you for this);
  • Do not logon to internet banking on unfamiliar computers (eg at an Internet cafe), as they may not be protected with the latest anti-virus software;
  • Always connect to our web site by typing the address in the address bar rather than following links. This URL could be saved into your browser favourites;
  • Check your last sign-in date and time (appears in red in the centre bottom third of the screen) whenever you sign into internet banking to make sure it is correct;
  • Confirm that your data is encrypted by ensuring a symbol of a lock appears in the bottom right hand corner of the browser;
  • Never leave your computer unattended whilst logged into internet banking;
  • Always select Log Off from the internet banking menu when you complete your banking;
  • Close your internet browser after signing out at the end of each internet banking session; and
  • Always check your statements for any transactions that look suspicious. Report any suspicious transactions immediately to us on 1300 654 998, Monday to Friday 8am-8pm and Saturday 9am-5pm Melbourne Time.


what we do for you

We understand the need to provide a secure and safe environment for our customers to transact and communicate over the internet.

To protect your information, we have the following three levels of security:


site authentication

Authentication is the process of determining whether someone or something is, in fact, who or what it is declared to be. In private and public computer networks (including the internet), authentication is commonly done through the use of digital certificates. A digital certificate is an electronic identifier that establishes a computer's credentials when doing business or other transactions on the internet. Our internet banking website is authenticated with a digital certificate. This happens automatically and does not require you to do anything. If a prompt appears asking you to accept a digital certificate, then this indicates that the website may be fake and if you proceed, your account could be compromised. Contact ME on 1300 654 998 in this instance.



To ensure all communication between you and us is secure, we employ an industry approved 128-bit cryptographic algorithm. You will notice when you click on the 'log in' option on our home page, a new browser window opens. This new window is encrypted with Secure Socket Layer (SSL) technology to provide you with a secure channel through which you may transact and communicate.


browser requirements

All pages on our internet banking are encrypted using 128-bit SSL encryption. In order to utilise these secure technologies, it is essential your internet browser supports 128-bit encryption. The minimum browser requirements to access our internet banking are as follows: 




Internet Explorer






Windows 7

7.0 and above

3.0 and above

4.0 and above

Windows XP

7.0 and above

3.0 and above

4.0 and above


7.0 and above

3.0 and above

4.0 and above

Mac OS


3.0 and above

4.0 and above


Even though the official support is limited to the above mentioned browsers the system is in no way designed to work exclusively on these. Other browsers, like Opera, Google Chrome and older versions of Internet Explorer, can be used but without the assurance we can provide for the officially supported browsers.


application level security

Application level security is implemented with the use of a Customer ID and Access Code unique to each customer. Using the unique Customer ID and Access Code, you are identified to the system and thus only details specific to you are displayed.

No ME employees have access to or are able to determine your Access Code. We will never ask for your Access Code.

We regularly review developments in security and encryption technologies. Despite our security technologies, no data transmission over the internet can be guaranteed as completely secure. We expect you to be security-conscious and to take steps to protect your security.