thanks for suggestion - but our home was broken into and handbag stolen, reported next day to stop cards - we then found balance of funds was withdrawn from her account via a Canberra ATM some days later - WTF !?!?!? - ANZ asserted it must have been her as it was a 'legal' transaction - we got witness statements from 4 guests saying she was in Sydney at the time of the transaction -
we figured the thieves had walked into Canberra branch, said 'oh I've found my card - can you unblock it and give me a new PIN ?' and 16yo ANZ teller had gone 'sure !' - then they walked outside, checked the balance, then withdrew the balance of $800 from the ATM -
we had to fight the ANZ with the ombudsman to get our money back - so - once burned - I don't think I'll be doing business with the ANZ :evil: - ever again - thanks anyway.