internet security.

protecting yourself online

password and access code security.

Your access code and password are like the keys to your digital bank vault – keep them safe.


choose a secure password and access code.

Choose an access code and password that are hard to guess – don’t use birthdays, addresses, phone numbers, names or an alphabetical PIN that is a recognisable part of your name.

Change your access code regularly, we recommend every 30 days.


memorise your account details.

It’s best to memorise your customer ID, access code and password, and not to write them down at all. If you have to write them down, make sure you keep them in different places, so they can’t be stolen together.


guard your account details.

  • Never let anyone see or overhear your customer ID, access code or password while you’re using internet or phone banking.
  • If you think someone has seen or overheard your access code or password, you should change it as soon as possible.


phone banking security.

There are a couple of precautions you can take when using phone banking that will help prevent your account details being compromised. For example, make sure that any phone system you use doesn’t record your PIN or customer ID.


Internet banking security.

There are a few important steps you can take to make your internet banking more secure.

  • Make sure the lock symbol is showing in your browser address bar while you’re using internet banking.
  • Always check the time and date of your last login to internet banking; if you see any inconsistencies, let us know right away.
  • Never leave your computer unattended while you’re logged in to internet banking.
  • Log out of internet banking as soon as you’re finished.
  • Using unfamiliar computers for internet banking can be risky, 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 can be saved into your browser favourites
  • On public computers, close your browser after you sign out.



Computer security.

Using an unsecure computer can make your account vulnerable – take these precautions to keep your internet banking safe from fraud.

  • Keep your anti-virus software up to date, and do virus and malware scans regularly.
  • Keep your operating system and programs up to date by downloading recent patches.
  • Don’t click on links in suspicious emails or open attachments from unknown sources.
  • Some internet browsers offer built-in filters that scan web pages for known fraud and phishing scams – if your browser tells you that a website is suspicious, heed the warning and don’t visit the site.
  • Delete spam and hoax emails immediately.
  • Never enter your PIN, password, card details or personal details into a web page that you reached by either clicking on a link or via a pop up window which has appeared on your screen.


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


phone and tablet security

Smartphones and tablets can be especially easy for other people to get access to, so it’s worth taking some extra precautions with these devices.

  • Lock your devices when you’re not using them.
  • Don’t let your devices remember user names and passwords for your banking accounts.
  • Don’t record any of your private banking info (password, user name, account number or access code) on your devices.
  • Don’t modify or hack into your phone or tablet, since you can make it more vulnerable to viruses and malware.
  • Install security software for your device, if it’s available.
  • If your mobile phone is registered for SMS security, and is lost or stolen, let us know straight away.
  • Never disclose via email or text message your customer ID, card details, personal details, PIN, access number or password.


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:

1. 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, this indicates that the website may be fake, and if you proceed your account could be compromised. If this happens, contact us on 13 15 63 in this instance.

2. Encryption

To ensure all communication between you and us is secure, we employ an industry approved 128-bit cryptographic algorithm. You will notice that when you click on the 'login' 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.

3. Browser requirements

All pages in our internet banking system 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:

Platform Internet Explorer Firefox
Windows 2000       6.0 and above 1.5 and above
Windows XP                6.0 and above 1.5 and above
Mac OS               1.5 and above


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 only details specific to you are displayed.

No ME Bank employees have access to 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.