The Terms and Conditions that will be changing are set out in the tables below.
- Deposit Products Terms and Conditions
- Personal Lending Supplementary Terms and Conditions
- Personal Banking Guide to Fees and Charges
- Business Transaction and Investment Accounts Terms and Conditions
- Business Lending Supplementary Terms and Conditions
- Business Banking Guide to Fees and Charges
Deposit Products Terms and Conditions
| Current | Updated to |
|---|---|
2.2 Summary of transaction account features and benefits Cheques
^ Minimum account balance of $200 required before establishing cheque facility |
2.2 Summary of transaction account features and benefits Cheques (From 4 December 2025 new cheque access will not be available)
^Customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. |
2.5 Accounts no longer for sale Cheques
^Minimum account balance of $200 required before establishing cheque facility |
2.5 Accounts no longer for sale Cheques (From 4 December 2025 new cheque access will not be available)
^Customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. |
3.5 Cheques (a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in sections 2.2, 2.3, 2.4 and 2.5. (b) Cheque access You must have at least $200 in your Account before we will allow you to have cheque access on your Account. If you choose to have cheque access on your Account, a cheque book will be mailed to you. |
3.5 Cheques (a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in sections 2.2, 2.3, 2.4 and 2.5. (From 4 December 2025 new cheque access will not be offered on Accounts). (b) Cheque access From 4 December 2025 new cheque access will not be offered on Accounts. For Accounts opened before 4 December 2025 that currently have cheque access, once all remaining cheques in your existing cheque book have been used, no new cheque book will be issued automatically. |
Personal Lending Supplementary Terms and Conditions
| Current | Updated to |
|---|---|
3.1 Payment services (b) Products no longer for sale: Cheques Facility
Personal Overdraft |
3.1 Payment services (b) Products no longer for sale: Cheques Facility (From 4 December 2025 new cheque access will not be available)
*Customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. |
3.5 Cheques (a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in section 3.1. (b) Cheque access If you choose to have cheque access on your Account, a cheque book will be mailed to you. |
3.5 Cheques (a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in sections 3.1. (From 4 December 2025 new cheque access will not be offered on Accounts). (b) Cheque access From 4 December 2025 new cheque access will not be offered on Accounts. For Accounts opened before 4 December 2025 that currently have cheque access, once all remaining cheques in your existing cheque book have been used, no new cheque book will be issued automatically. |
Personal Banking Guide to Fees and Charges
| Current | Updated to |
|---|---|
General services Cheque Books
No wording for Correspondent Banking Fee |
General services Cheque Books (From 4 December 2025 new cheque access will not be available) · Each Cheque book ordered – Free
Correspondent Banking Fee
Estimated Correspondent Banking fee payable when sending money from Australia to jurisdictions that use the following currencies. The Bank processes Telegraphic Transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the Telegraphic Transfer. These fees may change at any time without notice and are subject to a number of factors including value of the Telegraphic Transfer and destination country. The Bank may receive a rebate from a Correspondent Bank for Correspondent Fees deducted from the value of the Telegraphic Transfers. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your Telegraphic Transfer.
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Electronic Banking Correspondent Banking Fee Reference Guide Estimated Correspondent Banking Fee when sending a Telegraphic Transfer from Australia. We process telegraphic transfers through a global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the telegraphic transfer. These fees may change at any time without notice and are subject to a number of factors including value of the telegraphic transfer and destination country. Upon your request we will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your telegraphic transfer.
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Electronic Banking Correspondent Banking Fee Estimated Correspondent Banking fee payable when sending money from Australia to jurisdictions that use the following currencies. The Bank processes Telegraphic Transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the Telegraphic Transfer. These fees may change at any time without notice and are subject to a number of factors including value of the Telegraphic Transfer and destination country. The Bank may receive a rebate from a Correspondent Bank for Correspondent Fees deducted from the value of the Telegraphic Transfers. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your Telegraphic Transfer.
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International Services No wording for Correspondent Banking Fee |
International Services Correspondent Banking Fee Estimated Correspondent Banking fee payable when sending money from Australia to jurisdictions that use the following currencies. The Bank processes Telegraphic Transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the Telegraphic Transfer. These fees may change at any time without notice and are subject to a number of factors including value of the Telegraphic Transfer and destination country. The Bank may receive a rebate from a Correspondent Bank for Correspondent Fees deducted from the value of the Telegraphic Transfers. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your Telegraphic Transfer.
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Business Transaction and Investment Accounts Terms and Conditions
| Current | Updated to |
|---|---|
2.2 Summary of transaction account features and benefits
EVERYDAY BUSINESS ACCOUNT Cheque access
Card access
Not-for-profit organisations ticked |
2.2 Summary of transaction account features and benefits
EVERYDAY BUSINESS ACCOUNT Cheques access (From 4 December 2025 new cheque access will not be available)
* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. Card access
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2.3 Summary of Investment Account Features and Benefits
BUSINESS WEBSAVINGS ACCOUNT Real Estate/Agents Investment Trust Account¹ (QLD and NSW Solicitors only)^ Direct debits (withdrawals permitted)
PREMIER INVESTMENT ACCOUNT Real Estate/Agents Investment Trust Account¹ (QLD and NSW Solicitors only)^ |
2.3 Summary of Investment Account Features and Benefits BUSINESS WEBSAVINGS ACCOUNT Real Estate/Agents Investment Trust Account¹ (QLD and NSW Agents only)#
Direct debits (withdrawals permitted)
PREMIER INVESTMENT ACCOUNT Real Estate/Agents Investment Trust Account¹ (QLD and NSW Agents only)# |
2.4 Summary of Trust Account Features and Benefits QLD PAMD TRUST Cheque access
Options to receive interest paid to another account
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2.4 Summary of Trust Account Features and Benefits QLD PAMD TRUST Cheque access (From 4 December 2025 new cheque access will not be available)
*For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. Options to receive interest paid to another account
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2.5 Summary of Accounts No Longer for Sale Information for existing account holders only. Trust Accounts Cheque access
*cheques cannot be cashed |
2.5 Summary of Accounts No Longer for Sale Information for existing account holders only. Trust Accounts Cheque access (From 4 December 2025 new cheque access will not be available)
*Cheques cannot be cashed. For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. |
2.5 Summary of Accounts No Longer for Sale Information for existing account holders in NSW and QLD only. Trust Account EasyCheque Deposit facility
Cheque access
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2.5 Summary of Accounts No Longer for Sale Information for existing account holders in NSW and QLD only. Trust Account EasyCheque Deposit facility
Cheque access (From 4 December 2025 new cheque access will not be available)
*cheques cannot be cashed. Cheques cannot be cashed. For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. |
2.5 Summary of Accounts No Longer for Sale (Continued) Information for existing account holders only. Unlimited Business Accounts Cheque access
Minimum opening - balance $200 if cheque book is attached, otherwise no minimum |
2.5 Summary of Accounts No Longer for Sale (Continued) Information for existing account holders only. Unlimited Business Accounts Cheque access (From 4 December 2025 new cheque access will not be available)
* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. Minimum opening - no minimum |
2.5 Summary of Accounts No Longer for Sale (Continued) Transaction Account Cheque access
Card access Not-for-profit ticked |
2.5 Summary of Accounts No Longer for Sale (Continued) Transaction Account Cheque access (From 4 December 2025 new cheque access will not be available)
* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. Card access
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2.5 Summary of Accounts No Longer for Sale (Continued)
Investment Accounts Cheque access
Bank@Post
Minimum opening balance2
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2.5 Summary of Accounts No Longer for Sale (Continued)
Investment Accounts Cheque access (From 4 December 2025 new cheque access will not be available)
3 For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. Bank@Post
Minimum opening balance2
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2.5 Summary of Accounts No Longer for Sale (Continued) Features & Benefits Business Management Account
Business Cheque Account
Cheque access
Direct credits (Deposits) permitted
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2.5 Summary of Accounts No Longer for Sale (Continued) Features & Benefits Business Management Account
Business Management Account
Cheque access (From 4 December 2025 new cheque access will not be available)
Real Estate/ Agents Investment Trust Account² (No longer available for sale) cross*
* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends.
Direct credits (Deposits) permitted
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2.5 Summary of Accounts No Longer for Sale (Continued) Farm Management Deposit (At-Call) BUSINESS INVESTMENT ACCOUNT |
2.5 Summary of Accounts No Longer for Sale (Continued) Farm Management Deposit (At-Call) FARM MANAGEMENT DEPOSIT (AT CALL) |
| 2.9 Allowing others to use your account | 2.9 Operating your account |
3.5 Cheques
(a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in sections 2.2, 2.3, 2.4 and 2.5.
(b) Cheque access If Your Account is a cheque account, a cheque book will be mailed to you. |
3.5 Cheques
(a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in section 3.1. (From 4 December 2025 new cheque access will not be offered on Accounts).
(b) Cheque access From 4 December 2025 new cheque access will not be offered on Accounts. For Accounts opened before 4 December 2025 that currently have cheque access, once all remaining cheques in your existing cheque book have been used, we will not automatically issue a new cheque book to you.
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Business Lending Supplementary Terms and Conditions
| Current | Updated to |
|---|---|
3.1 Payment services Cheques
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3.1 Payment services Cheques (From 4 December 2025 new cheque access will not be available)
* For customers with existing cheque access, from 4 December 2025 we will no longer automatically issue cheque books once your current cheque book supply ends. |
3.5 Cheques (a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in section 3.1. (b) Cheque access If Your Account is a Business Overdraft or Business Line of Credit and you request a cheque book, a cheque book will be mailed to you. |
3.5 Cheques (a) Features and benefits Cheques allow you to make payments to other parties if you do not wish to pay by cash or electronic means. Cheque payments can only be made if your Account allows for cheque access. Details of which Accounts can have cheque facilities are set out in the “account features” table in section 3.1. (From 4 December 2025 new cheque access will not be offered on Accounts). (b) Cheque access From 4 December 2025 new cheque access will not be offered on Accounts. For Accounts opened before 4 December 2025 that currently have cheque access, once all remaining cheques in your existing cheque book have been used, no new cheque book will be issued automatically. |
Business Banking Fees and Charges Guide
| Current | Updated to |
|---|---|
Investment Accounts EVERYDAY BUSINESS ACCOUNTTM Unlimited Business AccountTM
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Investment Accounts BUSINESS WEBSAVINGS ACCOUNTTM Unlimited Business AccountTM
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Business Investment Account/Cash Management Account – Business Transaction
Internet Banking
$0.65 each Trust Account Internet Banking
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Business Investment Account/Cash Management Account – Business Transaction
Internet Banking
10 free per month then $0.35 each
Trust Account Internet Banking
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Correspondent Banking Fee Reference Guide Estimated Correspondent Banking Fee when sending Telegraphic Transfer from Australia *
* The Bank processes telegraphic transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the telegraphic transfer. These fees may change at any time without notice and are subject to a number of factors including value of the telegraphic transfer and destination country. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your telegraphic transfer. |
Correspondent Banking Fee Reference Guide Estimated Correspondent Banking fee payable when sending money from Australia to jurisdictions that use the following currencies. The Bank processes Telegraphic Transfers through its global network of Correspondent Banks. The correspondent banking fees set out above are to be used as a guide only. Sometimes there may be more than one Correspondent Bank. Any additional fees will generally be deducted from the value of the Telegraphic Transfer. These fees may change at any time without notice and are subject to a number of factors including value of the Telegraphic Transfer and destination country. The Bank may receive a rebate from a Correspondent Bank for Correspondent Fees deducted from the value of the Telegraphic Transfers. Upon your request the Bank will use best endeavours to obtain details of the fees charged by Correspondent Banks that were used to send your Telegraphic Transfer.
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