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

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

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3 We all have different plans in life. At Bank of Melbourne, our commitment to you starts with a conversation, not a series of products. Whatever stage you re at in life, we ll work with you to build a financial solution to help you achieve your goals. As your life changes, we ll be there to help you remain on track. If you re ready to talk about choosing the right Bank of Melbourne everyday banking and savings accounts for you, we re ready to listen.

4 The right account for how you live. For some it s where your salary goes and where s the nearest ATM? For others it s a stepping stone to long-term wealth creation. However you see your everyday banking, you want your hard-earned money ready to use when you want, where you want. Whatever your priorities in life, having access to expert advice, local knowledge and an ATM network around the country, could help you get more from today and tomorrow. To talk about the right everyday banking for you, drop into your local branch or call

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6 Better banking from a better bank. Why sign up for an everyday banking or savings account from Bank of Melbourne? Here are a few reasons. We re always accessible. With a broad network of ATMs you can access your money when and where you need it, plus a whole lot more. We ll work hard to earn your trust. We ll get to know you and what s important to you. And the best people to advise you are often those closest to you. We make decisions here. We don t like to handball. That means quick response times. So if you want to open an account, in most cases, we can set you up on the spot. We offer you a single point of contact. Whatever your financial needs, a familiar face or voice will be there to help. We live where you live. So as well as sharing an interest in seeing the neighbourhood succeed, we have an intimate knowledge of how the local area operates. We recognise local loyalty. With us, loyalty really does count. The broader your portfolio, the more you could benefit. To talk about the right everyday banking for you, drop into your local branch or call

7 Transaction accounts. Everyday banking should be everyday easy. From quick and easy ways to manage your savings and daily expenses, to electronic banking and debit cards you can use at over 30 million merchants worldwide, we offer smart day-to-day banking solutions that fit the way you work and live. Complete Freedom Account It s your money. You deserve the freedom to access it when and where you want. For a low monthly fee, Complete Freedom lets you enjoy unlimited access to Internet and mobile banking, Phone banking or at Bank of Melbourne, St.George, BankSA or Westpac ATMs. Deposit a minimum of $2,000 by the last business day of every month, your salary for example, or have your Bank of Melbourne home loan repayments deducted from this account, and we ll waive the monthly account service fee. Use your optional Visa Debit Card to make purchases here, overseas or online with your own money. For even greater financial control, Complete Freedom also comes with free alerts and ten free SMS alerts each month, updating you on balance or transaction information. Freedom to bank the way you want. For The Detail on Transaction accounts go to page 17 Easy Switch Do you have direct debits and direct credits set up on your current transaction account? No problem, we can help make your banking easier. Drop into your local branch or call us on to ask us how. bankofmelbourne.com.au 5

8 Bank of Melbourne SENSE Account Two accounts, one statement. An everyday transaction and savings account, working together to help you get ahead. We wanted to make it easier for the savers among you to keep track of exactly what you re saving and spending. So we thought it made sense to bring two accounts together on the one customised monthly statement. Our SENSE Account gives you unlimited access to Internet and mobile banking, Phone banking or at Bank of Melbourne, St.George, BankSA or Westpac ATMs. Deposit a minimum of $2,000 into your SENSE Everyday Account by the last business day of the month, your salary for example, and we ll waive the monthly fee. There is no monthly fee on your SENSE Savings Account. Your monthly statement comes with a graph that separates your spending into ten expense categories. It s no substitute for your own budget or financial plan but it gives you a good idea of where your money is going every month. If you have a savings target in mind, the SENSE Savings Progress Graph on your statement lets you track your savings each month. A few cents here, a few cents there, it all adds up. Unique to SENSE is a savings feature that automatically rounds up your SENSE Everyday purchases using your Visa Debit Card, Freedom Card and BPAY, to the next dollar. The rounding amount is then transferred to your SENSE Savings Account, so your savings are always growing. Track your spending and savings on one statement. For The Detail on Transaction accounts go to page 16 6 To talk about the right everyday banking for you, drop into your local branch or call

9 Express Freedom Account If you prefer Internet, Mobile and Phone Banking, via Bank of Melbourne, St.George, BankSA or Westpac ATMs, or using BPay or this account gives you the freedom to get on and do it. For a small monthly fee, our Express Freedom Account provides unlimited everyday Internet, Mobile and Phone Banking, the option of a Visa Debit Card and ten free SMS alerts every month, updating you on your balance and transaction information. Deposit at least $1,000, perhaps your salary, by the last business day of each month, and we ll even waive the monthly fee. Complete Freedom Student Account Mastering the art of stretching your budget takes time. We d rather you focus on your studies. Complete Freedom Student is a hassle-free account for students and apprentices, offering easy access to your money with no monthly service fee. Take up the option of a Visa Debit Card (if you re over 18 years of age and have an Australian residential address) to buy what you need with your own money, at home, online, over the phone or overseas and enjoy unlimited free everyday transactions at EFTPOS, our branches, via Internet and Phone Banking, and at Bank of Melbourne, St.George, BankSA and Westpac ATMs. Express banking completely. For The Detail on Transaction accounts go to page 17 Concession Account Nothing should hold you back from making the most of every day. If you hold a Commonwealth Government Health Concession Card or Seniors Card, this account is designed to simplify your banking with an uncomplicated, low-cost range of service options. As a Concession Account holder, you ll enjoy no account service fees and free unlimited everyday banking withdrawals. You re eligible for this account if you hold a Seniors Card or Commonwealth Government Health Concession Card. Bring this card with you when you apply. bankofmelbourne.com.au 7

10 Retirement Access Plus Account With your working life behind you and a host of possibilities in front of you, it s more important than ever your money continues working hard for you. If you are over 55 and no longer working, our Retirement Access Plus Account is designed to maximise your everyday banking. You ll earn interest paid monthly on your savings, while enjoying access to your money at any Bank of Melbourne branch, via Bank of Melbourne, St. George, BankSA and Westpac ATMs, Internet and Phone Banking or via an optional Visa Debit Card. There s no monthly account service fee and if your balance is below $20,000 you receive eight free everyday banking transactions each month; if your balance is above $20,000 these transactions are unlimited. Save for a worthy cause. For The Detail on Transaction accounts go to page 17 Society Cheque Account All around us, in schools, local community centres, sports clubs and charities, there are Victorians giving up their time and resources to support fellow Victorians. We believe in helping out in the local neighbourhood where we can, so we offer easy low-cost banking for these non-profit organisations. Our Society Cheque Account has free unlimited everyday Internet and Phone Banking (daily transaction limits apply) and a deposit-only card for approved office bearers. Charities and schools receive unlimited monthly everyday deposits and withdrawals, and there s 20 free monthly deposits and withdrawals for community and sporting groups and government agencies. There s also no monthly account service fee for schools, charities, and community and sporting groups. 8 To talk about the right everyday banking for you, drop into your local branch or call

11 Easy access to your money with Internet and Phone Banking Your dining table will be delivered sometime between eight and one. Double pick-up from school and pre-school in the afternoon. You need to get to the dry cleaner before it shuts. Your banking can wait. Internet and Phone Banking gives you greater control and flexibility to fit your busy life, with 24/7 access to your accounts, the ability to pay bills automatically, plus handy SMS alerts. For a comprehensive list of features, pick up our Internet and Phone Banking product guide at your local Bank of Melbourne branch, or take a look at our online demonstration at bankofmelbourne.com.au

12 Savings. We all have different reasons for saving. And different ways to get there. You may have a little extra to set aside each month. Maybe you re juggling other financial obligations, or need to tap into your savings to cover unforeseen expenses. No matter what your circumstances, we can help put your savings goal in reach. Maxi Saver Account If you re serious about saving, and like to manage your savings online, on the phone, or on the go, a Bank of Melbourne Maxi Saver Account may be for you. You ll earn competitive interest on every dollar with no minimum balance and no monthly account service fees. Plus you ll always have easy access to your money via your eligible Bank of Melbourne working account. For The Detail on Savings accounts go to page 17 Incentive Saver Account You may have the best intentions but temptation is everywhere, especially around sale time. To encourage you to stay on track towards your savings goal, we created the Incentive Saver Account. On top of a competitive interest rate, this account rewards you with bonus interest every month you make at least one deposit and no withdrawals. Another incentive is no monthly account service fee. If you really need to access your money, you can do that too. 10 To talk about the right savings account for you, drop into your local branch or call

13 Investment Cash Account From time to time, you may have a large sum of money you re waiting for the right time to invest. Perhaps proceeds from a property sale or an inheritance. Ideal for savers and investors, this account is a great place to park those large sums while you decide what to do next. Our Investment Cash Saver Account provides immediate and unlimited access to your funds online, while earning a competitive interest rate on every dollar. There are no monthly account service fees, plus cheque book access if you would like it. DIY Super Saver Account The DIY Super Saver Account has been specifically designed for self-managed super funds, offering the same features as the Maxi Saver Account. DIY Super saver is a great online cash investment account for self-managed super funds. What do I get? Competitive interest earned on every dollar No monthly account service fees every dollar you save is yours No minimum balance Access to your funds at the branch Never miss an opportunity to save. For The Detail on Savings accounts go to page 17 bankofmelbourne.com.au 11

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15 Term deposits Out of sight, out of mind. For some it s the best way to save to put money away, out of temptation s way and watch it grow. With a little discipline and a little time, we can help you stay on track to your savings goal. With our fixed term deposits you know exactly how much you ll earn and exactly when you ll earn it. Choose a fixed term, from one month to five years, and you ll enjoy competitive interest rates and no account service fees. Plus, depending on the term of your account, you have a choice of interest payment options monthly, half-yearly, annually or at maturity, it s up to you. Stay on track to your savings goal. For The Detail on Term Deposits go to page 17 bankofmelbourne.com.au 13

16 Debit cards It s your money. With a Visa Debit Card you can shop online, use it overseas, or pay bills over the phone. Rather than relying on credit, a debit card gives you easy access to your own money and even greater control of your finances. Visa Debit Card If money talks, your Visa Debit Card speaks most languages. It s accepted at over 30 million locations around the world and because you re using your money, not credit, it s a great way to manage your finances and keep your expenses in check. Your Visa Debit Card comes with the state-of-the-art security of Falcon TM to help protect you from any unauthorised transactions. Link your Visa Debit Card to your Bank of Melbourne transaction account, Complete Freedom, Express Freedom, Complete Freedom Student, Bank of Melbourne SENSE Account or Retirement Access Plus. Enjoy greater control using your money. For The Detail on Visa Debit Card and Savings accounts go to page 16 Deposit only Card To be a good saver, it helps to eliminate the temptation to spend what you ve already set aside. Our Deposit only Card lets you access your account information, but unlike a standard ATM card, won t let you withdraw your money a sure-fire way to help keep your savings growing. 14 To talk about the right savings account for you, drop into your local branch or call

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18 The Detail. This brochure was correct when we wrote it on 1 st April Things such as product features, terms & conditions, fees & charges and interest rates may change. It s important that you read about all the terms and conditions and fees and charges of any product or service before making a decision. We haven t had the chance to take your personal financial circumstances into consideration when we prepared this. To find out more about any product or service, go to our website bankofmelbourne.com.au, call us on or come into one of our branches Bank of Melbourne A Division of Westpac Banking Corporation ABN AFSL and Australian credit licence Visa Debit Card There are daily transaction limits that apply and to be eligible for a Visa Debit Card, you must have an Australian residential address and be an Australian resident over 14 years of age. If you are younger than 14 years old and you are a full time student, please contact us on or come and see us at your local branch if you re interested in finding out more about your card options. Falcon is a registered trademark of Fair Isaac Corporation. Internet and Phone Banking Bank of Melbourne Internet and Phone Banking are services that could give you more control over your finance than ever before. The services are usually available 24 hours, 7 days a week unless there s a rare problem with our systems. If the systems are down, you can be assured that we re working behind the scenes to fix the problem quickly. You need to register for these services by calling or coming to see us at your local branch. It s best to read the terms and conditions for each service, available on bankofmelbourne.com.au before making a decision and consider whether the product is appropriate for you. SENSE Savings Account It s best to read the terms and conditions: Transaction, Savings and Investment Accounts Banking Services Terms and Conditions and General Information and Transaction, Savings and Investment Accounts Fees and Charges and How to minimise them and the Interest Rate sheets before making a decision and consider whether the product is 16

19 appropriate for you. These are available on bankofmelbourne.com.au or by calling us on or from your local Bank of Melbourne branch. SMS alerts For SMS alerts you must be an Australian resident aged 18 years or over. After your ten free SMS alerts each month with Complete Freedom and Express Freedom Accounts, you pay $0.25 per alert. On all other products you will pay $0.25 per alert. To check what SMS fees and further details that apply to your product of choice, visit bankofmelbourne.com.au. alerts are always free. estatements estatements are available for individual account holders on most transaction and savings accounts. Joint account holders are not eligible to switch to estatements but you can still view a copy of your statements online. You will need to sign up for Internet Banking in order to receive estatements. Complete Freedom, Express Freedom, Retirement Access Plus, Concession, Society Cheque, Maxi Saver, Incentive Saver, DIY Super Saver and Investment Cash Accounts It s best to read the terms and conditions: Transaction, Savings and Investment Accounts Banking Services Terms and Conditions and General Information and Transaction, Savings and Investment Accounts Fees and Charges and How to minimise them and the Interest Rate sheets before making a decision and consider whether the product is appropriate for you. These are available on bankofmelbourne.com.au or by calling us on or from your local Bank of Melbourne branch. Maxi Saver Account To hold a Maxi Saver account you must also hold an eligible Bank of Melbourne working account in the same name or have an existing eligible Bank of Melbourne joint account with your name included in the title. Fees and charges may apply on your eligible working account. DIY Super Saver Account Fees and charges may apply on your eligible working account. To hold a DIY Super Saver account you must also hold an eligible Bank of Melbourne working account in the same name. Fees and charges may apply if you access your account in-branch. Term Deposits It s best to read the terms and conditions: Fixed Term Accounts Term Deposits Terms and Conditions and General Information and Fixed Term Deposit Interest Rates. These are available on bankofmelbourne.com.au or from your local branch. BPAY Registered to BPAY Pty Ltd ABN

20 Better everyday banking is around the corner. To talk about the right everyday banking and savings accounts for you, drop into your local branch or call bankofmelbourne.com.au When you re ready to apply, it would be helpful if you could bring: Two forms of ID from the list at bankofmelbourne.com.au/personal/ bank-accounts/tools/customer-identification 2014 Bank of Melbourne A Division of Westpac Banking Corporation ABN AFSL and Australian credit licence BOMPB005 04/14

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