MyState Bank bank accounts

Do you yearn for the old days of last century when you do your banking? Do you enjoy filling out forms, wasting your time with emails, document scanning and phone calls? Do you enjoy getting slugged by sneaky fees? Do you enjoy systems that have been created to hinder the customer rather than help them? Then MyState Bank is for you. I opened a simple transaction account and a savings account. I'll now be leaving one cent in both so they continue to incur costs to MyState. They are a small bank with no aspirations to be anything else. I don't yearn for the past when it comes to 2022 banking. Tl;Dr Sneaky Fees/low withdrawal limits/Incapable of transacting without paper/Poor app/Bad Customer Comms. To rephrase an ad logo from the past - "Just don't do it!"

Had trouble logging in to my online banking, and put off making the phone call because I hate doing them. The lady I was super polite and extremely helpful, to the point and confident in what she was doing.

We had a horrendous experience with this bank. They offered a good rate so we left our bank and went with them. In the very first month, they increased our interest rate and kept increasing it. They don’t have a branch in Vic and waiting for hours on the phone was exhausting. Will never recommend this bank to anyone. In my experience they are untrustworthy.

Transferred 3 home loans across from one of the big three banks. High hopes for a no frills low cost service. Customers service is ok but the fees are ridiculous. In the midst of moving house and transferring all my direct debits, bpays etc to mystate from my other bank I realised after a fee weeks transferring our pays from the other bank was delayed. This meant alot of my bpays bounced. Mystate charged me $30 a pop per transaction. Over a few weeks this equaled $570!!!!! An honest mistake on my part in the transition to a new bank but seriously. Nothing like a big old welcome like a swag of fees. Called the call centre and there was no grace on this, they didn't care. Basically the savings I would have made over the year on my interest rate just got used up in a few weeks on fees. Wish I never changed banks. Never hears of such a high fee for declined payment. Not really easy to use the app and doesn't have a lot of features. Read the fine print and remember convenience is sometimes worth paying a little extra for. Especially when you have a family, work life etc.