Savings & Investments

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Savings & Investments"

Transcription

1 Savings & Investments

2 Contents The choice is yours 2 Transaction Accounts 2 Savings Accounts 3 Youth Accounts 5 Investments 7 Important information 9

3 The choice is yours Whether you want easy access to your money or are looking to put something aside for a rainy day, Community First can offer you a full range of transaction, savings and investment account options to help make your money work harder. Transaction Accounts Access Account Our Access account can offer you the flexibility you need for your financial transactions, catering for all your daily financial needs with a convenient all-in-one-account. It s great if you want flexibility and easy access to your money. Features and benefits: Interest on daily balances No account keeping fees Card convenience - your choice of either a Community First Redicard or VISA Debit Card Personal Line of Credit (upon application) Access to your cash through one of Australia s largest ATM and EFTPOS networks. PayDirect - have your pay deposited directly into your account Optional personal cheque book or deposit book Over the counter transactions One simple statement for all your accounts BPAY facility to pay bills Autopay Account An Autopay account allows you to pay all your bills easily and conveniently. It gives you the luxury and peace of mind of knowing all your payments and bills are being paid on time, and that you won t come across any unexpected unpaid bills. 2.

4 Simply arrange for all your monthly bills to be paid by us, direct from your account. Nominate the day and amount of payment, and you can forget all about those important bills, knowing that we ll look after them for you. Features and benefits: No minimum balance required to open the account Access to your funds by telephone and internet banking or over the counter No monthly account keeping fees Retirement Plus Deeming Account If you re a holder of the Senior s Card, recipient of Family and Community Services Pensions or a self-funded retiree over the age of 55, then you may be eligible for our Retirement Plus Deeming account. A Retirement Plus Deeming account lets you take advantage of higher interest rates based on the Federal Government s Income Test Deeming rates. At the same time, it allows you to make day-to-day transactions and offers you a Personal Cheque facility as well as other bill paying and convenient access services. Savings Accounts Christmas Cracker Account Get organised now for next Christmas with a Christmas Cracker account. It offers attractive interest calculated on the minimum monthly balance to encourage you to save, whilst discouraging you from making withdrawals by limiting your access. 3.

5 Your money will be ready for you to withdraw between November 1 and January 31 each year - for Christmas celebrations, gifts, holidays, anything you like. When you save regularly in a Community First Christmas Cracker account through the year, you ll be pleasantly surprised by how much you ll have to spend at Christmas. To make savings easier, use PayDirect to put something away everyday. Bonus Saver Account If you really want your savings to take off, our Bonus Saver account can help. The Bonus Saver rewards you for saving by paying you bonus interest each month on top of our standard savings interest rate. If you deposit a minimum of $20 and make no withdrawals within the calendar month, you will receive bonus interest on top of your existing standard interest rate. Features and benefits: No minimum balance required to open the account Interest is calculated on a daily basis and paid monthly Access to your funds by telephone and internet banking or over the counter No monthly account keeping fees Deposit balances over $5,000 contribute to your Member Allowance which can help you bank fee free with Community First. 4.

6 Youth Accounts Pocket Power This account is designed to encourage children to save their pocket money. The Pocket Power account is a special savings account that has been developed for Members aged 3 to 11 years. With the help of a parent or guardian, junior Members can start their financial education. The Pocket Power account offers your child ready access to their savings and is free of transaction and account keeping fees! Interest is calculated on the daily balance. Interest rates are tiered so the higher your balance, the better the interest rate. Powerup Account The Powerup account is a special savings account designed specifically for Members 12 to 17 years of age. This account is designed especially for teens, to help them establish a strong savings history for the future. Why save with a Powerup account? Because you can buy what you want, faster. It s that simple. Start saving when you get your first job and the things that seem out of reach now will be a lot closer. Plus saving gives you a financial track record, so it will be easier to get a hassle free loan when you turn 18. Powerup Members benefit from no transaction fees, tiered interest rates and the convenience of ATM access via Redicard. 5.

7 Student Starter Account The Student Starter account allows students and trainees to make money the least of their worries. If you re aged and studying your first degree or traineeship full-time, then our Student Starter account is the account for you. This account offers students no transaction fees, competitive interest rates and an option of a $500 Visa Overdraft*. It is the perfect account to help you to build your savings! And by developing a regular savings pattern not only will you be able to reach your savings goals, but in the future it will help you to obtain a hassle free loan when you need it! *All Overdraft are subject to lending guidelines. Terms and Conditions, fees and charges apply - details available on application. 6.

8 Investments Term Deposits A Community First Term Investment is a safe and secure way to invest your savings at a high rate of interest. Community First has a wide range of terms to suit your investment needs. You choose how much you would like to invest, (minimum of $5,000) the length of your term, (3 months to 3 years) and choose whether to have your interest paid monthly, annually, or on maturity. As an added benefit and incentive to save, the interest rates are tiered dependant on the length of the term and the amount invested. Features and benefits: You can invest from $5,000 to $250,000 in a Community First Term Investment and receive a high interest rate. Rates for amounts above $250,000 are available on request. Interest rates for Community First Term Investments are tiered - the more you invest the greater the return. Feel free to choose any term from 3 months to 3 years, so you will have your money available when you need it. Your Term Investment can give you money to live on. Interest may be paid every 28 days, at the end of the term, or at periods in between. Your money will earn a very competitive interest rate that is fixed for the whole of your chosen term. You will receive a Term Investment Certificate for each investment and a regular statement detailing your balance and interest paid. To check out our current term deposit rates, visit

9 Money Market Account Make your money work harder and invest your money at market rates but still have access to it. It takes just $5,000 to open a Community First Money Market account and once it s opened, there are no minimum transaction amounts or balance requirements. You can add to your account at any time and you have the option of linking a Personal Cheque facility for added convenience. It s the secure, flexible way for you to watch your money grow. Interest is calculated on the daily balance. Interest rates are tiered in order to pay higher interest rates on larger balances. For more information or to open an account by phone, please call Community First Direct on , or visit your local Community First Financial Services Store. 8.

10 Important information Product Conditions of Use for Savings Accounts, Payment Services and Term Investments are available from or by contacting Community First Direct on You should read and consider the Product Conditions of Use before deciding to use any product. This is general advice only and does not take into account your individual objectives, financial situation or needs ( your personal circumstances ). Before using this advice to decide whether to open any savings accounts, you should consider the appropriateness of it having regard to your personal circumstances, plus obtain and consider the current Product Conditions of Use. All overdrafts are subject to lending guidelines. Terms and conditions, fees and charges apply details available on application. Please also refer to the Conditions of Use for the following services; Redicard Conditions of Use; VISA Card Conditions of Use; Member Chequing Terms and Conditions; Internet Banking and BPAY Conditions of Use. These are available upon request. 9.

11 All your banking needs can be found at Community First Home Loans Savings & Investments Insurance Personal Loans Easy Ways to Bank Card Options

12 Community First Head Office Level 2, St. Hilliers Road Auburn NSW 2144 P.O. Box 98 Lidcombe NSW 1825 Contact Details T: W: E: ABN: AFSL: BSB: Financial Services Stores Bankstown Centro Bankstown Campbelltown Macarthur Square Charlestown Charlestown Square Shopping Centre Erina Erina Fair Glendale Stockland Glendale Lake Haven Lake Haven Shopping Centre Mt. Druitt Westfield Mt. Druitt Penrith Centro Nepean Rouse Hill Rouse Hill Town Centre Swansea Swansea Plaza Tuggerah Westfield Tuggerah Woy Woy Peninsula Plaza Liverpool Westfield Liverpool CFCU/NOVUM SI/20/8/10

Home Loans. Personal Loans

Home Loans. Personal Loans Home Loans Personal Loans Contents A Personal Loan to suit you 2 Personal Loan 3 Loans for new and used cars 4 Overdrafts 5 Green Loans 5 How to apply 6 Other ways we can help 7 Important information 9

More information

Home Loans Home Loans

Home Loans Home Loans Home Loans Home Loans Contents Why choose a home loan from Community First? 2 Which home loan is right for you? 3 Features at a glance 5 How much can I borrow? 11 How to apply 12 Important information

More information

Transactions & Savings Because managing your money should be easy.

Transactions & Savings Because managing your money should be easy. Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

More information

Student Banking. victeach.com.au 1300 654 822. Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124

Student Banking. victeach.com.au 1300 654 822. Head Office. Branch Office. 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

Product Schedule Part A: Product Summary

Product Schedule Part A: Product Summary Product Schedule Part A: Product Summary Effective Date 1 October 2015 The Rock - A division of MyState Bank Limited (MyState) ABN 89 067 729 195 AFSL 240896 Australian Credit Licence Number 240896 A wholly

More information

Savings & Investments

Savings & Investments Savings & Investments 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

More information

Personal Savings Bank Accounts. Fees and Charges

Personal Savings Bank Accounts. Fees and Charges Personal Savings Bank Accounts Fees and Charges ABN 63 087 651 849 AFSL & Australian Credit Licence No. 246884 Effective Date 25 June 2015 Goldfields Money's Vision - A Fair Cost of Banking Services Goldfields

More information

Everyday banking and savings. Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch

Everyday banking and savings. Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch Everyday banking and savings Transaction accounts Internet and Phone Banking Savings accounts Debit cards Term deposits Easy Switch We all have different plans in life. At Bank of Melbourne, our commitment

More information

With every business transaction we make it count.

With every business transaction we make it count. Business Solutions 02 With every business transaction we make it count. business solutions Personal service has a new name When we say we re here to help you, we mean business. Whether you re just starting

More information

All your daily banking needs

All your daily banking needs Bankwest Everyday Banking All your daily banking needs It s good to keep things simple. Happy Banking How can we make life easier for you? Feel-good banking comes from easy to use everyday accounts that

More information

AMP Banking Deposits. Right on the money

AMP Banking Deposits. Right on the money AMP Banking Deposits Right on the money Contents Features at a glance 3 Cash Management Account 4 Investment Builder Account 6 easysaver 8 Term Deposits 10 The complete banking solution 12 How to open

More information

RCU has you covered when it comes to insurance

RCU has you covered when it comes to insurance RCU has you covered when it comes to insurance Coming into the warmer months means that unpredictable weather is just around the corner. This also means that it s the perfect time of year to make sure

More information

LOOKING AFTER THE BANKING NEEDS OF OUR YOUNGER MEMBERS

LOOKING AFTER THE BANKING NEEDS OF OUR YOUNGER MEMBERS ACCOUNTS FOR YOUNG PEOPLE LOOKING AFTER THE BANKING NEEDS OF OUR YOUNGER MEMBERS Product Information Brochure Effective from 1 November 2014 2 QUEENSLAND COUNTRY ARE PASSIONATE ABOUT LOOKING AFTER THE

More information

Small Business Banking. It s your business

Small Business Banking. It s your business Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just

More information

ANZ Personal Banking ACCOUNT FEES AND CHARGES

ANZ Personal Banking ACCOUNT FEES AND CHARGES ANZ Personal Banking ACCOUNT FEES AND CHARGES 23.02.2015 Thank you for banking with ANZ. We are proud of our products, and believe they are amongst the best in the industry. Many have received industry

More information

Personal. Savings & investments. Simple ways to get steady returns. Financial solutions. For life.

Personal. Savings & investments. Simple ways to get steady returns. Financial solutions. For life. Personal Savings & investments Simple ways to get steady returns Financial solutions. For life. Important information Please refer to the last page of this brochure for important information you should

More information

Products and Services Catalogue

Products and Services Catalogue Products and Services Catalogue 3 Competitive Products 3 Lower fees 3 Superior service www.policebank.com.au Index Switch to Make PB Your No.1 Financial Institution 3 How Do I Become a Member? 3 Your Money

More information

First Home Saver Account Product Disclosure Statement (PDS)

First Home Saver Account Product Disclosure Statement (PDS) First Home Saver Account Product Disclosure Statement (PDS) Effective date: 31 March 2015 This booklet should be read in conjunction with the Terms and Conditions contained in the Financial Service Guide

More information

Westpac Everyday Banking. Transaction and service fees.

Westpac Everyday Banking. Transaction and service fees. Westpac Everyday Banking Transaction and service fees. As at 30 July 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view your

More information

SMARTER BANKING MAKE THE MOST OF YOUR MONEY

SMARTER BANKING MAKE THE MOST OF YOUR MONEY SMARTER BANKING MAKE THE MOST OF YOUR MONEY CONTENTS PAGE 2 Get smart about everyday banking and saving PAGE 4 STEP 1 The bank account basics PAGE 8 STEP 2 How to access your money PAGE 10 STEP 3 Decisions

More information

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank.

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. 2. UBank. is all about you. UBank is all about you. We exist for

More information

Moving to Australia? Choose the bank more Australians choose.

Moving to Australia? Choose the bank more Australians choose. Moving to Australia? Choose the bank more Australians choose. Contents Welcome to the Commonwealth Bank of Australia. 3 International service, local knowledge. 3 Set up your banking before you arrive.

More information

Westpac Everyday Banking. Transaction and service fees.

Westpac Everyday Banking. Transaction and service fees. Westpac Everyday Banking Transaction and service fees. As at 19 November 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view

More information

Student MOneY SAVeR EFFECTIVE FROM 01 JanuaRy 2013

Student MOneY SAVeR EFFECTIVE FROM 01 JanuaRy 2013 Student MONEY SAVER EFFECTIVE FROM 01 January 2013 About our Student Money Saver What is a Student Money Saver account? A Student Money Saver account is a savings account made just for you, our Members

More information

Terms & Conditions Deposit Accounts

Terms & Conditions Deposit Accounts Terms & Conditions Deposit Accounts Effective Date 6 October 2014 Contents Terms and Conditions 5 Definitions 5 Application of these Terms and Conditions 6 Specific Terms and Conditions Personal Savings

More information

At-Call Savings Accounts

At-Call Savings Accounts At-Call Savings Accounts Part 1 - At-Call Savings Accounts Product Disclosure Statement (Corporations Act (Cth) 2001) comprises of the following documents Part 1 - Product Disclosure Statement for all

More information

Personal banking for the business owner

Personal banking for the business owner Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your

More information

fees and charges Transaction fees. Rates current as at 22 June 2015

fees and charges Transaction fees. Rates current as at 22 June 2015 fees and charges Rates current as at 22 June 2015 These Fees and Charges are current from 22 June 2015 unless otherwise indicated. This Fees and Charges brochure is to be read with our Terms and Conditions

More information

ACCESSING YOUR MONEY OVERSEAS.

ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you

More information

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts

AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts CREDIT CARDS AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts We all have different plans in life. Your personal finances, your way. At Bank of Melbourne, our commitment to you starts with

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE Savings and Transaction Accounts Term Investments Payment Services Dispute Resolution Foreign Currency Services Member Insurances Privacy - 1 - Your Cairns Penny Savings & Loans

More information

anz@work Exclusive banking benefits while you work

anz@work Exclusive banking benefits while you work anz@work Exclusive banking benefits while you work 1 2 We re making work more rewarding. Thanks to our relationship with your employer, you can enjoy a range of exclusive benefits and discounts, simply

More information

Westpac Savings & Investments. Savings and Term Investment Accounts

Westpac Savings & Investments. Savings and Term Investment Accounts Westpac Savings & Investments Savings and Term Investment Accounts Everyone is a little bit different in the way they save. The good news is we ve got lots of different savings accounts available, so you

More information

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES

SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Credit Union Australia Limited (ABN 44 087 650 959) SUPPLEMENTARY SCHEDULE OF FEES ACCOUNTS AND ACCESS FACILITIES Prepared 7 January 2016 At CUA, we regularly review our fees to ensure we remain competitive

More information

SERVICES GUIDE FINANCIAL. Product Information Brochure. Effective from 2 November 2015

SERVICES GUIDE FINANCIAL. Product Information Brochure. Effective from 2 November 2015 FINANCIAL SERVICES GUIDE Product Information Brochure Effective from 2 November 2015 QUEENSLAND COUNTRY CREDIT UNION LIMITED FINANCIAL SERVICES GUIDE 1 OUR FINANCIAL SERVICES GUIDE ( FSG ) This FSG is

More information

Moving to Australia? Choose the bank more Australians choose.

Moving to Australia? Choose the bank more Australians choose. Moving to Australia? Choose the bank more Australians choose. Contents Welcome to the Commonwealth Bank of Australia 3 International service, local knowledge 3 Set up your banking before you arrive 4 Great

More information

Fees and Charges Schedule

Fees and Charges Schedule Fees and Charges Schedule Page 1 Bananacoast Community Credit Union Ltd ABN: 50 087 649 750 AFSL: 241077 Australian Credit Licence Number 241077 Contents Section 1: Our s and charges... 6 Notification

More information

Savings and Term Investment Accounts. Savings made easy, however you choose to do it.

Savings and Term Investment Accounts. Savings made easy, however you choose to do it. Savings and Term Investment Accounts Savings made easy, however you choose to do it. If you re looking for a savings account we have different types you can choose from, each slightly different to fit

More information

Personal financial services charges - your guide. including small business

Personal financial services charges - your guide. including small business Personal financial services charges - your guide including small business 12 March 2014 Contents About this guide... 2 Important Information... 2 A: PRODUCT RELATED FEES AND CHARGES 1. Savings and Investment

More information

Account Selection MAde easy

Account Selection MAde easy Account Selection Made Easy Money Management Tools First Nations Bank of Canada offers you a range of helpful tools to make managing your money easier. Recordkeeping Free Paperless Record Keeping Track

More information

Changes to your Bank of Queensland Credit Card

Changes to your Bank of Queensland Credit Card Changes to your Bank of Queensland Credit Card Contents Page Change of name 3 Interest Repayments 3 Fees and charges 4 Rewards 5 Additional benefits and protections 7 Account features and access 7 Additional

More information

Getting the most from your Westpac Flexi Loan. Our most flexible personal loan. Corporate and Purchasing Cards Conditions of Use

Getting the most from your Westpac Flexi Loan. Our most flexible personal loan. Corporate and Purchasing Cards Conditions of Use Getting the most from your Westpac Flexi Loan. Our most flexible personal loan. 1 Contents Welcome to your Westpac Flexi Loan 3 A range of repayment options 8 How Flexi Loan works 10 Frequently Asked Questions

More information

Financing your business. Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance

Financing your business. Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance Financing your business Overdraft Credit Cards Business Loan Equipment Finance Specialised Finance At Bank of Melbourne, we know that no two businesses are the same. So our banking begins with a conversation.

More information

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank.

We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. Hello. We designed UBank with one thing in mind; to help you make more of your money, the easy way. Alex Twigg. General Manager. UBank. 2. UBank UBank is all about you. We exist for you. Hence our name.

More information

Fees & Charges Deposit Accounts

Fees & Charges Deposit Accounts Fees & Charges Deposit s Effective Date 6 October 2014 Section A Section B Section C Section D Section E Section F Personal Fees & Charges Business Fees & Charges Other Fees & Charges Government Fees &

More information

We are delighted you are thinking of switching your accounts to Queensland s most loved bank * and

We are delighted you are thinking of switching your accounts to Queensland s most loved bank * and Welcome to Heritage! We are delighted you are thinking of switching your accounts to Queensland s most loved bank * and becoming part of the Heritage family. You will find that at Heritage Bank, we deliver

More information

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac

Altitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit

More information

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 2 Savings accounts... 5 Cards... 6 Foreign Currency Account... 9 Foreign

More information

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14.

Contents. Introduction 3. Transaction fees 4. Payment services 8. Cards 10. Loans and overdrafts 11. Overseas services 14. Fees and charges Contents Introduction 3 Transaction fees 4 Payment services 8 Cards 10 Loans and overdrafts 11 Overseas services 14 Other fees 15 Introduction This brochure contains our fees and charges

More information

Shop, switch and save

Shop, switch and save Shop, switch and save A no-nonsense guide to switching your home loan, bank account, savings account or credit card. Virgin Money (Australia) Pty Limited ABN 75 103 478 897 AR is an Authorised Representative

More information

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited

Fees and charges. UniBank is a division of Teachers Mutual Bank Limited Fees and charges UniBank is a division of Teachers Mutual Bank Limited Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981 Contents Introduction 3 Transaction fees 4 Payment

More information

Savings Accounts & Account Access Channels Product Disclosure Statement

Savings Accounts & Account Access Channels Product Disclosure Statement Savings Accounts & Account Access Channels Product Disclosure Statement Effective from 17 August 2015 This document should be read in conjunction with Schedule of Access, Fees and Charges Savings Accounts

More information

Home and Investment Loans

Home and Investment Loans Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654

More information

Classic Account. With you when you want a good all rounder.

Classic Account. With you when you want a good all rounder. Classic Account With you when you want a good all rounder. You ll find everything you need to know about your new Classic Account in the following pages. Welcome 1 Your Bank of Scotland debit card 2 Choose

More information

Ways to bank. With so many ways to do your banking you ll be spoilt for choice.

Ways to bank. With so many ways to do your banking you ll be spoilt for choice. Ways to bank With so many ways to do your banking you ll be spoilt for choice. Are you banking on your terms? At Westpac you can tailor the way you bank to suit your life. Whether you log on to Online

More information

I want a. simple way. to save. Savings Maximiser

I want a. simple way. to save. Savings Maximiser I want a simple way to save Savings Maximiser Information Brochure Date: 1 February 2012 I like a simple and straight forward way to reach my savings goals 2 Who is ING DIRECT? As our name suggests, we

More information

A guide to personal accounts fees and interest

A guide to personal accounts fees and interest A guide to personal accounts fees and interest current accounts savings accounts We re committed to helping you get the most out of your account which includes making you aware of the charges and rates

More information

n adding to the family and baby makes more. two,three

n adding to the family and baby makes more. two,three n adding to the family baby two,three makes more. or and n adding to the family What s the best way to have a baby or add a child to the family? By planning... financially planning that is. Whether you

More information

Manage Your Cash, Manage Your Life

Manage Your Cash, Manage Your Life Manage Your Cash, Manage Your Life 1 Manage Your Cash, Manage Your Life A simple guide to effective cash flow management Contents The importance of Cash Flow Management 3 Get on top of your cash flow 4

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL

Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travelling overseas? TRAVEL TIPS, MONEY AND INSURANCE FOR OVERSEAS TRAVEL Travel and Foreign Exchange We provide a one-stop-shop for all your foreign exchange needs, making it easy for you to manage your

More information

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions.

Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Deposit Accounts for Business Customers. (No longer available for sale) Terms and Conditions. Effective as at 01 July 2015 1 Your Bank The advisory services and the banking products you ll find in this

More information

3 Weeks Before You Depart www.commbank.com.au/movingtoaustralia Banking in Australia 1 Week Before www.smarttraveller.gov.au

3 Weeks Before You Depart www.commbank.com.au/movingtoaustralia Banking in Australia 1 Week Before www.smarttraveller.gov.au Banking in Australia Banking in Australia Moving countries and banks is always a big step. There s plenty to think about, and lots to do. Luckily for you, the Australian banking system is one of the safest

More information

Online Savings Account Key Features Statement

Online Savings Account Key Features Statement Online Savings Account Online Savings Account Key Features Statement newcastlepermanent.com.au Newcastle Permanent Building Society Ltd ACN 087 651 992 Australian Financial Services Licence / Australian

More information

Fees & Charges. > Savings Accounts > Transaction Accounts > Investment Accounts > Business Accounts > Non-Cash Payment Facilities

Fees & Charges. > Savings Accounts > Transaction Accounts > Investment Accounts > Business Accounts > Non-Cash Payment Facilities Hume Bank Limited ABN 85 051 868 556 AFSL & Australian Credit Licence No. 244248 Effective 1 January 2016 Fees & Charges > Savings Accounts > Transaction Accounts > Investment Accounts > Business Accounts

More information

Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS

Connecting ALL Your Banking Needs. How do I become a Member? Smart savings, made simple. SAVINGS Connecting ALL Your Banking Needs. SAVINGS We all have multiple financial needs. Whenever you need to bank, borrow or plan and grow, Align is here to help you every step of the way in one of our branches,

More information

Your guide to everyday banking.

Your guide to everyday banking. Your guide to everyday banking. Reimagine the future, with Citigold. Citigold is the wealth management and premium banking service created for clients with over $100,000 invested through Citibank. Our

More information

Personal deposit accounts.

Personal deposit accounts. Papua New Guinea Personal deposit accounts. Features, fees and charges. Effective November 2009 2 Contents Personal accounts 4 Fees 4 Features 4 Transactional Fees 6 Standard banking product charges 8

More information

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO

Fees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 3 Savings accounts... 5 Cards... 5 Foreign Currency Account... 8 Foreign

More information

your guide to your new BOQ Credit Card

your guide to your new BOQ Credit Card your guide to your new BOQ Credit Card Contents A card that you will love 1 Getting started 2 Flexible banking at your fingertips 3 Platinum Visa card 4 Blue Visa card 6 Low Rate Visa card 7 BOQ Rewards

More information

+ Checking & Savings + Smart choices for managing Your money.

+ Checking & Savings + Smart choices for managing Your money. + Checking & Savings + Smart choices for managing Your money. Checking that fits your life. Choosing the right checking account can be downright confusing. At Align, we make it easy to build an account

More information

TEACHING THEM THE FINANCIAL FACTS OF LIFE. Report No. 1 April 2013

TEACHING THEM THE FINANCIAL FACTS OF LIFE. Report No. 1 April 2013 Report No. 1 April 2013 Financial literacy for kids and young teens is essential for their future prosperity. So what do our banks offer this specialised group of potential future customers? TEACHING THEM

More information

HOME LOANS AND LINES OF CREDIT

HOME LOANS AND LINES OF CREDIT HOME LOANS AND LINES OF CREDIT GENUINE LOANS FOR REAL PEOPLE Product Information Brochure Effective from 1 November 2014 At Queensland Country we offer genuine home loans for real people. We understand

More information

You re ready to take off

You re ready to take off You re ready to take off with the Virgin Australia Velocity Flyer Card. virgin money + credit cards good together What s inside for you. 1. Welcome aboard. 2. Rewards that will take you places. 3. But

More information

Facts about credit card interest

Facts about credit card interest Facts about credit card interest Applicable to: NAB Credit Card Terms and Conditions NAB American Express Terms and Conditions Velocity NAB Credit Card Terms and Conditions NAB Qantas Credit Card Terms

More information

Account Specific Terms and Conditions. Effective from 15 May 2015

Account Specific Terms and Conditions. Effective from 15 May 2015 Account Specific Terms and Conditions Effective from 15 May 2015 1 Account Specific Terms and Conditions contents Citigold Current Account pages 3-4 Citi Plus Current Account pages 5-6 Citi Access Account

More information

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015

SCHEDULE OF FEES AND CHARGES. Effective date: 1 November 2015 SCHEDULE OF FEES AND CHARGES Effective date: 1 November 2015 Contents This booklet forms part of the Banking s Terms and Conditions for the following products: Everyday Everyday Retirement Gold Cash Management

More information

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ

MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ MAS Package AN EXCLUSIVE BANKING SOLUTION FROM ANZ We are proud to offer MAS Members a comprehensive range of banking solutions. Whether you are buying your first home, building your property portfolio,

More information

Schedule of Fees and Charges

Schedule of Fees and Charges Citibank Accounts Schedule of Fees and Charges Transaction and Savings Accounts Effective 3 March 2014 Schedule of Fees and Charges What is the Schedule of Fees and Charges? This Schedule of Fees and Charges

More information

Current Accounts Introducing control

Current Accounts Introducing control Current Accounts Introducing control Helping you keep your finances on track Manage your money easily If you don t want to use an Unplanned Overdraft, we can help. We ve designed an add-on for the Classic

More information

your savings work harder

your savings work harder Bankwest Savings Making your savings work harder It s good to see your savings grow. Happy Banking What are you saving for? It s a good feeling to see your savings grow. Whatever it is that you re saving

More information

Transaction Accounts Fees and Charges

Transaction Accounts Fees and Charges Transaction Accounts Fees and Charges ANZ BUSINESS BANKING 28.08.2015 For ANZ Business Advantage Accounts, ANZ Business Extra Accounts, ANZ Business Classic Accounts (ii) ANZ Business Extra 50 Accounts

More information

Schedule of Fees and Charges for other Suncorp Personal Accounts

Schedule of Fees and Charges for other Suncorp Personal Accounts Schedule of Fees and Charges for other Suncorp Personal s Effective Date: 22 November 2014 The following are no longer available for new accounts or for account changes. Fee description Monthly account

More information

Schedule of Fees and Charges for other Suncorp Business Accounts

Schedule of Fees and Charges for other Suncorp Business Accounts Schedule of Fees and Charges for other Suncorp s Effective Date: 22 November 2014 The following are no longer available for new accounts or for account changes. Fee description Monthly account keeping

More information

Business Banking. Business account charges

Business Banking. Business account charges Business Banking Business account charges Contents Page Introduction 3 Summary of Business Tariffs 4 Start-ups 4 Treasurers Account Tariff 4 Business Current Account Standard Tariff 5-6 Business Plus Account

More information

Mates Rates Package. From your friends at Kiwibank.

Mates Rates Package. From your friends at Kiwibank. Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice

More information

Deposit accounts for personal and self-managed superannuation fund customers. Terms and conditions

Deposit accounts for personal and self-managed superannuation fund customers. Terms and conditions Deposit accounts for personal and self-managed superannuation fund customers Terms and conditions Effective as at 3 February 2015 Terms and Conditions This booklet sets out the Terms and Conditions of

More information

A GUIDE TO PERSONAL BANKING 1 February 2008

A GUIDE TO PERSONAL BANKING 1 February 2008 Graphics Courtesy Of Sun Productions A GUIDE TO PERSONAL BANKING 1 February 2008 HOW TO CONTACT US For a full list of products that are offered by BRED please do not hesitate to contact us. We look forward

More information

A guide to personal accounts fees and interest

A guide to personal accounts fees and interest A guide to personal accounts fees and interest current accounts savings accounts We re committed to helping you get the most out of your account which includes making you aware of the charges and rates

More information

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.

Welcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home

More information

Insurance in Prime Super

Insurance in Prime Super Insurance in Prime Super September 2015 This fact sheet outlines why insurance is important and the benefits of having insurance through your super account. Why is insurance so important? Insurance is

More information

Graduate Account. With you on your first big break.

Graduate Account. With you on your first big break. Graduate Account With you on your first big break. Help to get you started. Our Graduate Account is designed to give you simple, convenient ways to look after your money and help you make the most of new

More information

ASK US TODAY! 5.21 % pa 5.24 % pa. 4.94 % pa 5.73 % pa. Spring clean your finances! SEPTEMBER 2013. Call 1300 364 400 www.sgecu.com.

ASK US TODAY! 5.21 % pa 5.24 % pa. 4.94 % pa 5.73 % pa. Spring clean your finances! SEPTEMBER 2013. Call 1300 364 400 www.sgecu.com. SGE News SEPTEMBER 2013 Spring clean your finances! 2 Year Fixed Rate Home Loan 4.94 % pa 5.73 % pa 5.21 % pa 5.24 % pa IN THIS ISSUE We have the home loan solution for you! Purchasing a car? Talk to SGE!

More information

Business Lending. Maximising your cash flow and financing your business needs

Business Lending. Maximising your cash flow and financing your business needs Business Lending Maximising your cash flow and financing your business needs You drive the business. We ll drive the service. Often there just isn t enough time to stop and think about how you could improve

More information

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries

ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries ibank, ibank Plus & ibank Saver INTERNATIONAL BANKING SERVICES For a life beyond boundaries About Barclays Wealth At Barclays Wealth we have developed a different approach to financial services. We understand

More information

Suncorp Bank Business Accounts Product Information Document

Suncorp Bank Business Accounts Product Information Document Suncorp Bank Business Accounts Product Information Document This document contains information on Suncorp Bank Business Accounts: Business Everyday Accounts, Business Premium Accounts, Business Saver Accounts,

More information

Personal Banking. Guide to Fees and Charges. July 2015

Personal Banking. Guide to Fees and Charges. July 2015 Personal Banking Guide to Fees and Charges This booklet forms part of the Terms and Conditions for Deposit Products and the Supplementary Terms and Conditions for Personal Lending and Electronic Banking

More information

WHICH IS FOR ME? HOME LOANS MADE EASY

WHICH IS FOR ME? HOME LOANS MADE EASY WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described

More information

castles Proudly Supported by Westpac Premier Advantage Package

castles Proudly Supported by Westpac Premier Advantage Package castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage

More information

Deposit Accounts for Business Customers

Deposit Accounts for Business Customers Deposit Accounts for Business Customers Terms and Conditions. Effective as at 1 July 2015. This booklet contains information on the following Deposit Accounts for Business Customers Currently available

More information