Bendigo Bank bank accounts

Fast reliable friendly service.

Zero customer service. 2 hour wait time for simple security code activation. Two weeks later tried the call back thing, that was an hour late by which time I was back at work ( they do call when it's convenient for them) spoke to customer service person with broken english ( I'll call him a DELTA) who was either ignorant, stupid or god forbid telling the truth when he told me that such a massive organisation such as BBL doesn't have a dedicated complaints department. I'll be joining a Credit Union.

Part of this bank is ‘UP Bank’. A card was sent to me and they have confirmed there is an account however I have absolutely no dealings with any of these banks so worried about fraud and they apparently have no contact number only email contact so I have no way of finding out what is going on. Very stressful.

The main con that I would have is that I don't really understand what their products are, do or fees, interest and things like that. If I go into the bank itself they explain things to me, but still sometimes I get embarrassed that I don't understand so I just not and agree. It needs to be in more laymen's terms sometimes. But I have been with them for 20 years, so I guess they can't be that bad! Recently I had a big payment taken out from the bank that I had no idea about, but they said they do it every year, although it's news to me! But I can't argue the point can I? Other than that they are very friendly when I call or go into the branch, and the monthly interest payments are pretty good! Considering I'm very budget conscious, it's a payment I can keep up with. I am just in the middle of trying to get some extra help from them, but still not happened yet, so have to wait and see!