Savings & Investments

Transcription

1 Savings & Investments

2 Savings for the young & the young at heart The decisions you make about your money now will affect your life into the future. That s why it s important to put aside money regularly to save for your goals. We understand that you want your savings and investment to be flexible, convenient and simple to understand. So our range has something for everyone from day-to-day access and online savings, to term deposits and more. You can choose the account that best suits your needs. Or if you prefer, you are welcome to speak with one of our customer service staff, who will talk with you and help you select from our savings and investment options

3 Savings & investment Term Deposit A fixed term savings account with high interest Use our Term Deposit to invest your money for a set period at very competitive interest rates and reach your financial goals sooner. High interest rates Long-term or short-term investment, from 30 days to 5 years Interest guaranteed for term of investment Flexible interest paid monthly, quarterly, annually or at maturity Add or withdraw funds at maturity Interest can be paid into other (providing income). Internet Banking (view only). Savings An everyday accessible savings account Manage your daily banking needs with this low cost savings account that features a wide range of access options. High number of fee-free transactions per month Funds available at-call Low opening balance required Low minimum balance fee ATM / EFTPOS card Internet Banking RediATMs, NAB ATMs and EFTPOS Direct credit and debit facility Cheque book Deposit through any CBA branch 04 05

4 Savings & investment Midas If you want to do your banking online and earn a competitive interest rate at the same time, this account is for you. High interest rate Funds available at-call Access online 24/7 No account keeping fees Transfer funds at any time Interest paid monthly (deposits only) Internet banking Direct credit and debit facilities Inward telegraphic transfers Electronic direct entry Cash Management Everyday access account with maximum savings. Keep a minimum of $2000 in this account and you ll benefit from competitive interest rates and low fees. High interest rate Funds available at-call No account keeping fees for balances over $2000 Interest paid monthly ATM / EFTPOS card Internet Banking RediATMs, NAB ATMs and EFTPOS Direct credit and debit facilities Regular transfers between Delphi Bank Cheque facility Deposits at any CBA branch 06 07

5 Savings & investment Junior Smart Saver Introduce young people to the importance of regular savings and they ll enjoy watching their money grow. It s never too early to learn! No account keeping fees High interest rate Funds at-call ATM / EFTPOS card Free money box Internet banking RediATMs, NAB ATMs and EFTPOS Direct credit facility Inward telegraphic transfers 08 09

6 Savings & investment Liberty Pay your salary into this account and enjoy our range of access options. You can also link it to your home loan for extra benefits. Unlimited ATM transactions Low minimum account opening balance No account maintenance fee if $2000 credit to account each calendar month Monthly account maintenance fee of only $4 if less than $2000 deposited each calendar month EFTPOS and Visa Debit card options Competitive interest rate Internet Banking RediATMs, NAB ATMs and EFTPOS Direct credit and debit facility Cheque book facility Passbook A savings account for over 55s who deal with a Delphi Bank branch. Visit one of our branches to deposit and withdraw your funds, with additional electronic deposit options. Low minimum balance required No account keeping fees Funds available at-call Instant update and balance of passbook Limited withdrawals feature encourages saving Interest paid every six months Direct credit facility Inward telegraphic transfers Deposits via mail (cheque deposits) 10 11

7 Savings & investment ODYSSEY 55 ACCOUNT Easy access account for pensioners and retirees Be sure that your pension won t be affected when you use our everyday low cost, high performance account. High number of fee free transactions Funds available at-call No account keeping fees Low minimum account balance Interest paid monthly Choice of ATM card, cheque book or passbook Available to over 55s or pensioners with a concession card Internet Banking RediATMs, NAB ATMs and EFTPOS Direct credit and direct debit facility Inward telegraphic transfers To find out more visit delphibank.com.au, call or drop into any Delphi Bank branch

8 Options Savings Junior Smart Saver Midas Cash Management Liberty Passbook Odyssey 55 Term Deposit Interest in Advance Free transactions 10 per month Unlimited 15 per month 5 per month Unlimited ATM / EFTPOS transactions 4 per month 10 per month N/A N/A Free ATM/ EFTPOS withdrawals 4 ATM / 6 EFTPOS 4 ATM / 6 EFTPOS N/A 4 ATM / 6 EFTPOS Unlimited N/A 4 ATM / 6 EFTPOS N/A N/A Monthly fee No, if balance over $500 No No No, if balance over $2000 No, if $2000 per month credited No No No No Minimum opening balance $10 $5 $10 $5000 $1 $100 $100 $1000 $50,000 Minimum balance $500 $1 $1 $2000 $1 $1 $1 Yes $50,000 Minimum balance fee Yes No No Yes No No No N/A N/A Funds available At-call At-call At-call At-call At-call At-call At-call On maturity On maturity Interest calculated Daily Daily Daily Daily Daily Daily Daily Daily Daily Interest paid Monthly Half-yearly Monthly Monthly Monthly Half-yearly Monthly On maturity or monthly In advance 14 15

9 Access Options Savings Junior Smart Saver Midas Cash Management Liberty Passbook Odyssey 55 Term Deposit Interest in Advance Eureka Visa Debit Card Internet Banking (view only) (view only) Cheque book ATM/EFTPOS card Delphi Bank branches Deposit at CBA branch Direct credits/ inward telegraphic transfers Direct debits Regular transfers between Delphi Bank Deposits via mail (cheques) 16 17

10 Say hi to Delphi WHY DELPHI BANK? Personal service Our customers are our number one priority and we pride ourselves on delivering the best service every time. At Delphi you ll find no call centres and no long delays, just a friendly person dedicated to making your banking experience a rewarding one. Competitive interest rates and fees Interest rates on Delphi Bank savings, investments and loans are competitive and we always aim to minimise your banking costs. Strength and security Like other banks, Delphi operates under the strict regulations and processes of the Australian Prudential Regulatory Authority and the Australian Securities and Investments Commission. And as part of the Bendigo and Adelaide Bank family, you can be confident you re dealing with a large, successful Australian banking group. Our door is always open At Delphi, you can choose the products that suit your needs and with Internet banking you can access your funds 24 hours a day from wherever you are in the world. Community focus What makes Delphi Bank different? We really do care. The Delphi Bank Foundation was established to support people experiencing disadvantage. And we also support community and sporting groups, educational institutions and much more

11 To find out more Call Visit delphibank.com.au Or ask in branch This information is current as at 10 January Before taking up any of Delphi Bank s products or services you should consider if they are appropriate for you. Delphi Bank recommends that you read the respective Terms & Conditions and other Disclosure documents before deciding to acquire or use any of the Bank s products or services. These documents can be obtained at any of our branches or by visiting our website delphibank.com.au Delphi Bank A division of Bendigo and Adelaide Bank Limited ABN AFSL / Australian Credit Licence (S50708) (V003) (12/14) BEN50DBMB001