RATE & REVIEW

i love my bank because I have only been with NAB now for 7 months and they gave me a chance to have a credit card. I did not have any trouble with this as I am only on a pension and i was happy about this as I needed the money to get my car fixed. I also have my debit card with them. The nab are so good with their staff and their customer service. They really know how to look after you no matter if you work or not. And they help you in anyway they can without trying to push you into debt that you cannot repay. They are the best bank I have evey been with and i will stay with the nab forever now. The staff at my bank are so nice to me and always have time to chat about anything I need. i give this bank 10 out of 10

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Prior to the knowledge that I suffer Acute Depression and an extreme rare Cancer in my white blood cells the people with this bank in Toowoomba are fantastic. I am always treated with RESPECT and DIGNITY ALONG with EVERYONE's FRIENDLY NATURE. I dId become very confused at times and as the treasurer and volunteer at the Depression Support Network nothing, and I do mean nothing is too much much trouble for theses people.. They give me all the time and understanding I need. This is old fashioned service at it's best. I hope and pray that it stays that way, I would recommend ANZ to anyone, any day of the week and twice on Sunday.

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I wouldn't reccomend the NAB personal loan to anyone simply because of the hassle it is to actually get the money they loan you. I chose to get an unsecured loan, to purchase two behicles as one of our cars had mechanical problems and was unusable, and then two weeks later the other was written off in an accident. This left us with no way other than walking to get to work (it was middle of winter) and no way to get our child to school or daycare. I sent in my application, got approval and then went into the bank to sign the documents. This process took well over a week. Then, as NAB won't just put the money into your account, I had to locate two cars, pay the deposit on them both from my bank account (not the loan money) and secure them both before going back to NAB to get cheques written out. I waited two days for an appointment as the only person at the branch that could do it was away. It all turned into a long, drawn out process that in the end made us purchase one vehicle that wasn't what we wanted as we had to secure the first vehicle, and the first vehicle amount was under the limit for NAB to release the funds. All very frustrating. Then, a few days after I made my first payment, NAB automatically withdrew the minimum monthly payment out of my bank account, which I had not set up. I then had to wait another few days for this to be reversed, leaving me short of money again. NAB customer service when you phone them is great, however I would never get a loan with them again.

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I have always found Bank of Queensland to be great to deal with, have had a home loan, car loan, credit cards and personal loan with them. Communication is excellent, they will pick up the phone and call you, suggest ways for you to save money, earn extra interest etc... When we were trying to buy our first home the local manager went out of his way to stay in contact with us personally on a daily basis and to this day we still speak to him even though we have moved cities. I have recommended BOQ to others for car loans and they have not been able to find better deals elsewhere. I will continue to bank with BOQ and recommend them to others. Awesome!

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We have been with this bank for 3 1/2 years and have had very poor service continually. The information is not clear as most of the staff are Chinese and speak 'chinglish' which makes it very hard to understand exactly what they are saying as well as making it difficult for them to understand what our issues are to help us. It took almost 6 months to borrow against our equity in our home so that we could purchase a unit. Meanwhile prices had gone up on the properties. When this loan was processed it was not done as we had asked and has a higher interest rate and we are still not sure how it all works. We have borrowed for and bought 6 homes with other banks mostly through mortgage brokers and wish we had done this for our last loan. Their charges for leaving the bank are huge so at this stage we are not able to exit the loan. The value of our house has gone down also so selling is also not an option. HSBC set up 2 accounts and wont transfer funds to the home loan account so we have to do it manually each month which is a problem as my husband is traveling. My husband works overseas and he is payed into HSBC which is why we initially went with them as we thought that would be easier. We were so wrong. We would have been so much better off if we borrowed the money from overseas at a much lower interest rate but this was not even mentioned as an option by them. They are not making any advice to help the consumer. There are no bank offices on the Sunshine Coast so we have to drive to Brisbane if there are any problems or to sign papers etc which is also a major inconvenience and more costs. In general we are very disappointed in HSBC's service, products, communication and situation. We will never borrow from them for a home again. We could not recommend them to anyone but would warn others NOT to deal with them if they have the choice.

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I think customer service could be improved on especially in certain circumstance. Being when one of our older children was very, very ill and needed me to pay his rent by withdrawing his money from his account (I also have a joint account with them), they would not accept that I had a note from him with his signature on it (also I had proof that I was his mother) they took his card off me so that in the end we had to bundle him up even though he was so sick and he had to go into the branch to get his card back. He would have been in trouble by his realestate agent for being late etc. Also they would not let us transfer the money to the realestate agents a/c. It was a no win situation - I even asked for the manager, there was just no help at all and it was not like I was withdrawing his entire a/c down. So I was stunned to say the least.

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In opposition to my bank ANZ, this bank cannot compete. Example for me that mattered was Heritage was going to charge me $4.50 per direct debit as opposed to ANZ's Nil fee. Being on a Disability Support Pension this really mattered a great deal. Also their ATM machines in Toowoomba are renounded for taking your card and keeping it, then, to add insult to injury spits out someone elses card. When you go into the bank to tell them this they say they have no control over their own ATM's take the card and half the time just say OK. No thank-you nothing. They really need to hone and sharpen their personel skills. More people than ever are leaving Heritage all the time as these factors matter.

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The PCU is not only for Police, Fire, Ambulance & emergency workers, but can be utilised by anyone. Why bother with other financial services when all is at your fingertips electronicly. Investment options are available with good returns for various terms. A Xmas club is also there for weekly, monthly or what ever, to have a saving for when it is needed. As you can imagine, security is a paramount valued item. I value my association with the PCU. "If you have tried the rest, change to the Best" "T"

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