All your daily banking needs

Transcription

1 Bankwest Everyday Banking All your daily banking needs It s good to keep things simple. Happy Banking

2 How can we make life easier for you? Feel-good banking comes from easy to use everyday accounts that come with great features like zero ATM fees, no or low monthly fees, high interest and access to a Debit MasterCard, to name a few. So, let s take a look at our everyday banking products and see how we can make life easier for you. Life was meant to be easy. What s inside? Account with zero ATM fees Account with high interest Student banking Account with low monthly fees Banking for retirees Concessional banking Kid s banking Everyday accounts overview Bankwest Debit MasterCard Bankwest Online Banking (BOB) Getting the paperwork ready Contact us

3 Account with zero ATM fees Account with high interest 05 Zero tolerance for fees? Then this is your kind of account. The Bankwest Zero Transaction account lets you access your money for free at any Bankwest or Commonwealth branded ATM. We ll also pay your ATM fees at Westpac, NAB and ANZ branded ATMs. That s over 10,000 ATMs across Australia! It also includes free unlimited electronic and over the counter withdrawal fees. You also don t have to fork out for any maintenance fees or electronic transactions. If it makes you happier, we ll even include a cheque book and a Debit MasterCard to provide you with even more convenient access to your money. Outstanding features free access to over 10,000 ATMs across Australia no monthly account fees when you deposit a monthly minimum of $2,000 (e.g. your salary) free unlimited electronic, counter and cheque withdrawals access your money overseas and online with a Bankwest Debit MasterCard Awarded Money Magazine s Best Everyday Account for Banks 5 years running This great value everyday account really stacks up with a mighty variable interest rate, free unlimited electronic, counter and cheque withdrawals, and no monthly fees. Whether you re a saver or a shopper, our Bankwest Hero Transaction Account is on your side. Enjoy free access to your cash however you choose to transact. Whether it s over the counter in any Bankwest store or Bank@Post outlet, via online or phone banking, or through our extensive network of Bankwest and CBA branded ATMs. If you want more flexibility, we ll even give you the option of a cheque book. The benefits of our super Hero account a great variable interest rate on balances up to $5,000 free access to Bankwest and CBA branded ATMs as part of our network no monthly account fees when you deposit a monthly minimum of $2,000 (e.g. your salary) free unlimited electronic, counter and cheque withdrawals access your money overseas and online with a Bankwest Debit MasterCard

4 Student banking 07 Welcome to the fuss-free Student Account with an edge. As a student, any kind of added value is a bonus. That s why we ve created an account that stretches student dollars further. For starters, you pay no monthly fees and can make as many electronic withdrawals as you want. And even better, we ve teamed up with Student Edge to give you a co-branded Bankwest Student Edge Debit Card or Debit MasterCard that also holds down a second gig as a Student Edge membership card. It entitles you to all sorts of freebies, discounts and giveaways. Flash your card and save Want to save money? Flash your Bankwest Student Edge Debit Card or Debit MasterCard and take advantage of unlimited discounts across Australia at places like Red Rooster, Domino s, McDonald s, Wagamama, Timezone, AMF Bowling, Video Ezy, Hoyts Cinemas, Boost, Jeanswest, Rusty and more! The Bankwest Student Account is for full-time secondary, tertiary or TAFE students, apprentices or trainees. Why our Student Account has the edge no monthly account maintenance fees unlimited electronic transactions a free optional Student Edge membership gets you freebies and discounts all year round with the co-branded Bankwest Student Edge Debit Card convenient online banking Debit MasterCard access (for students 16 years or older) Plus, because it comes with Student Edge membership, your card also entitles you to access heaps of vital student information like study skills, career tools and online forums. Participating partners subject to change. Hit studentedge.com.au for all discounts.

5 Account with low monthly fees 09 For fees as Lite as a feather, choose our Lite Transaction Account! With this account you can make as many transactions as you like, for a fixed, low monthly account fee. Or, if you re happy to do your banking online, over the phone and through ATMs, just add $3.99 to go with the Direct option. With the Transaction option, you get good old-fashioned counter service and a cheque book, for just $5 a month. Lite Transaction Account. Heavyweight benefits! $3.99 monthly fee for unlimited electronic transactions (Direct option) or, $5 monthly fee for unlimited electronic, cheque and over the counter transactions (Transaction option) no minimum monthly balance required Debit MasterCard access Low fees makes people happy.

6 Banking for retirees 11 No matter what your retirement dreams are, we want to deliver convenience and good returns for the young at heart. Bankwest s Reward Pension Saver Account pays the Government s deemed interest rate (the interest rate which the Government assumes your financial investments are earning, regardless of the amount of income they are actually earning), so our rate changes with their rate. Plus, we won t penalise you for wanting good old-fashioned counter service, so you can take advantage of 4 free counter withdrawals and 2 free cheque withdrawals every month. Great benefits for retirees available to Centrelink or Department of Veteran Affairs pensioners and self-funded retirees 55+ pays the Government s deemed interest rate enjoy 4 free counter withdrawals, 2 free cheque withdrawals and 10 free electronic withdrawals per calendar month option of interest being paid monthly or annually convenience of a cheque book facility Bankwest Debit Card and Debit MasterCard Your money shouldn t stop working.

7 Concessional banking 13 Our FeeSaver Basic Account is a no-frills account for those that need a helping hand. Designed especially for customers with a valid Government Health Care Card, Pensioner Concession Card or Commonwealth Seniors Health Card, it lets you manage your money with no monthly maintenance fees. You can make transactions and access money from your account via ATM, EFTPOS, phone and online banking and over the counter in any Bankwest store - the only time you ll be charged a transaction fee is if you exceed the free withdrawals limit in any month. This account isn t just for anybody, so if you receive a Government payment, then this may be the account for you. Everyone likes a helping hand. Access to your money at minimal cost no monthly maintenance fees 6 free withdrawals every month including 3 over the counter withdrawals 2 free operator assisted balance and transaction enquiries every month allows direct debits and periodical payments Bankwest Online Banking, phone banking and Bankwest Debit Card

8 Kids banking 15 Kids who grow up knowing how to manage money? Now that s happy banking. When you teach your kids about managing money and how to save, you re helping them develop good financial habits that can last a lifetime. Education experts say that kids learn best about money between the ages of 8 to 12, so we ve designed our Children s Savings Account especially for the under 15s. There are no fees to eat into their hard earned pocket money or birthday cheques from Nanna, plus we ll pay interest to help their money grow faster. If they want to earn some serious interest on their savings, you can link this account to a Bankwest Kids Bonus Saver. Why our Children s Savings Account earns an A+ absolutely no fees fast parent/guardian access via phone and online banking earns credit interest which is calculated monthly and paid annually link it to a high interest Bankwest Kids Bonus Saver available to children under the age of 15 Kids should learn how to save.

9 Everyday accounts overview 17 Bankwest Zero Transaction Account Zero ATM fees at any major bank in Australia free access to all Bankwest, CBA, Westpac, NAB and ANZ branded ATMs Australia wide no monthly account fees when you deposit $2,000 per month free unlimited electronic, counter and cheque withdrawals Debit MasterCard access Bankwest Hero Transaction Account Earn high interest on your everyday account variable interest on balances up to $5,000 free access to Bankwest and CBA branded ATMs no monthly account fees when you deposit $2,000 per month free unlimited electronic, counter and cheque withdrawals Debit MasterCard access Student Account An account for full-time secondary, tertiary or TAFE students and apprentices or trainees no monthly account fees unlimited electronic withdrawals free optional Student Edge membership for freebies and discounts all year round with the Bankwest Student Edge Debit Card Debit MasterCard access (for students 16 years or older) Lite Transaction Account An account with low monthly fees low monthly fee for unlimited free electronic withdrawals Debit MasterCard access Reward Pension Saver Account A bank account for retirees with traditional counter service pays the Government s deemed interest rate 4 free counter withdrawals, 2 free cheque withdrawals and 10 free electronic withdrawals per calendar month cheque book facility FeeSaver Basic Account A no frills account for those that need a helping hand for those who receive a government health or pension payment no monthly account fees 6 free withdrawals every month 2 free operator assisted balance and transaction enquiries every month allows direct debits and periodical payments Children s Saving Account An account for children under 15 no fees fast parent/guardian access via phone and online banking link it to a Bankwest Kids Bonus Saver

10 Bankwest Debit MasterCard A Bankwest Debit MasterCard offers the convenience of being accepted at over 32 million locations around the world. Plus you can make purchases over the phone, when you are overseas and online, so you ll never be left short again. Try getting that far with an ordinary ATM card! The difference with the Debit MasterCard is it automatically pays for your purchases with your own money. Great benefits shop at over 32.7 million retailers in over 270 countries global ATM access to your cash when you select Credit draws directly from your everyday account shop online, over the phone or by mail-order pay bills or arrange regular payments to be charged to your card no annual fee You can even pick your own card colour! Get your Bankwest Debit MasterCard A Bankwest Debit MasterCard is available on the following accounts: Bankwest Zero Transaction Account Bankwest Hero Transaction Account Lite Transaction Account Student Account (for students 16 years or older) Reward Pension Saver Account For more information visit bankwest.com.au/personal/everyday-accounts People like easy access to their money. 19

11 Bankwest Online Banking (BOB) BOB, is an easy-to-use and secure way to access your money any time of the day or night. You can log on from the comfort of your home or office, using your mobile device, or anywhere you can get online. Key features view your account balances and available balances on the one page perform searches on specific transactions view, save and print estatements online transfer funds between your own accounts or to any account within Australia pay over 16,000 bills using BPAY How do you register for BOB? Registration is free and only takes a couple of minutes to complete! Visit bankwest.com.au/personal/our-services Bankwest Online Banking is also backed by our No Loss Security Guarantee, so you have peace of mind that your money and personal details will be safe. Switch to estatements Get easy, online access to your statements by switching to estatements today! Getting the paperwork ready So, you ve chosen the everyday account that is right for you. The next step is to help us to help you by preparing the necessary paperwork before you meet up with us. Here s what you ll need: Identification details for new customers If you re brand new to Bankwest, welcome! We ll need to confirm who you are so remember to bring an original copy of your choice of the following with you: one form of primary ID with a photo (i.e. passport or driver s license), plus one form of primary ID without a photo (i.e. birth certificate or Citizenship papers), plus one form of secondary ID (i.e. a power bill) Details for new and existing customers Whether a new or an existing customer, you may also need to provide us with: personal details and where applicable, those of the other account holders (name, date of birth, address and contact details) Tax File Number (providing your TFN stops you from paying withholding tax on this account) proof of concession for Student or Reward Pension Saver Account applications. (eg documentation and proof of enrolment for all apprentices, trainees, tertiary & TAFE students. Or social security, health care or pension card) 21

12 Contact us Need more information? Or ready to apply for one of our everyday banking accounts? We ll make it easy for you. 23 Pop into a store Feel free to walk into any Bankwest store to apply. To find your nearest store visit bankwest.com.au/find-us π Give us a call Call us on to arrange your everyday banking account over the phone. We re available to take your call 6am-7pm (WST) weekdays and 8am-4pm (WST) weekends µ Apply online You can apply for some of our everyday banking accounts online. Visit us at bankwest.com.au/personal/everyday-accounts By mail Prefer the post? Drop us a line at GPO Box E237, Perth Western Australia 6841

13 Important things you should know: Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation or needs. You should consider the Product Disclosure Statement (PDS) and whether the product is right for you. A PDS is available from your local Bankwest store, from bankwest.com.au, or by calling For the Student Account: Joint accounts are not available. For the Zero Transaction Account: Account holders must be 18 years or older. Other fees and charges may apply. For the Hero Transaction Account: Account holders must be 18 years or older. No interest is paid on balances over $5,000. Fees and charges apply and rates are subject to change. For the Debit MasterCard: MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. PayPass is a registered trademark of MasterCard International Incorporated. Non-Bankwest-branded ATM fees, overseas ATM fees and foreign transaction fees may apply. PIN is also required. Daily ATM withdrawal limit of AUD $1000 applies. The Bankwest Debit MasterCard is only available to Australian citizens, permanent or temporary residents 16 and over with an Australian residential address. Before 1 October 2012, Bankwest means Bank of Western Australia Ltd ABN AFSL / Australian credit licence , the product issuer. On and from 1 October 2012, Bankwest will be a division of the product issuer Commonwealth Bank of Australia ABN AFSL / Australian credit licence BWA visit any store π µ bankwest.com.au