DOCSLIB.ORG

ELECTRONIC BANKING TERMS and CONDITIONS – Version 07/21 2

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
ELECTRONIC BANKING TERMS and CONDITIONS – Version 07/21 2 ELECTRONICELECTRONIC BANKING BANKINGTERMS AND TERMSCONDITION ANDS CONDITIONSJuly 2021 March 2020 This document must be read in conjunction with your account terms and conditions, fees and charges and interest rates booklets. Together, these documents will form your complete terms and conditions or Product Disclosure Statement for your products. This document forms part of the Product Disclosure Statement for the Save to Win Account™ together with the Save to Win Account™ Combined Financial Services Guide and Product Disclosure Statement, Save to Win Account™ Promotion Terms and Conditions and the Personal Deposit - Interest Rates. CONTENTS 1. INTRODUCTION 2 7. INTERNATIONAL PAYMENTS 25 1.1 Welcome to BOQ Electronic Banking 2 7.1 Features and Benefits 25 1.2 How does this document affect you? 2 7.2 Access to International Payments 25 1.3 Banking Code of Practice 2 7.3 Processing your instructions 25 1.4 Need to know more? 2 7.4 Risks 25 7.5 Privacy – International Payments 26 2. ONLINE BANKING 3 7.6 Fees and charges 26 2.1 Internet Banking Features and Benefits 3 2.2 Mobile Banking Features and Benefits 3 8. REAL TIME GROSS SETTLEMENT / RTGS PAYMENTS 27 2.3 Registration for Online Banking 3 8.1 Features and Benefits 27 2.4 eStatements and Paperless Statements 4 8.2 Access to RTGS Payments 27 2.5 Users 7 8.3 Processing your instructions 27 2.6 Getting started 10 8.4 Risks 27 2.7 Some rules about Online Banking 10 8.5 Privacy – RTGS Payment 28 2.8 Risks 14 8.6 Fees and Charges 28 3. PAY ANYONE PAYMENTS 15 9. FEES 29 3.1 Establishing access to Pay Anyone 15 10 ELECTRONIC ACCESS 30 3.2 Processing your instructions 15 10.1 Terms and conditions of Electronic Access Methods 30 3.3 Mistaken Internet Payments 1 15 10.2 Some rules about Electronic Access Methods 30 3.4 Unintended Payee 15 10.3 Fees and charges 31 3.5 Pay Anyone and Related Account Access 15 10.4 Availability of the Electronic Access Method 31 3.6 Processing Pay Anyone Payments from your QLD Solicitors Trust Account 16 10.5 Warranties 31 10.6 Protecting your Electronic Access Methods 32 4. PAYMENTS FILE UPLOAD 17 10.7 Protecting your PIN and other Codes 32 4.1 Features and benefits 17 10.8 What to do if you think that your security has 4.2 Access to Payments File Upload 17 been compromised 32 4.3 Setting up your access to Payments File Upload 17 10.9 Your liability for authorised transactions 33 4.4 How to upload a payments data file 17 10.10 Liability for unauthorised transactions 33 4.5 Authorisation and payment 18 10.11 Liability caused by equipment malfunction 34 4.6 Processing your instructions 18 10.12 Liability under BPAY 34 4.7 Indemnity 18 10.13 Indemnity 35 4.8 Termination 19 10.14 Limitation on our liability 35 5. BPAY PAYMENTS 20 11. GENERAL TERMS AND CONDITIONS 36 5.1 Features and benefits 20 11.1 Changes to terms and conditions of banking services 36 5.2 Getting started 20 11.2 Maintaining security 36 5.3 Some rules about BPAY 20 11.3 Covering us for loss 36 5.4 Processing your instructions 20 11.4 Customer integrity 37 5.5 BPAY Biller Limits and Restrictions 21 11.5 If you have a query, problem or dispute 37 5.6 Delays 21 11.6 General ‘Reasonableness’ 37 5.7 Keep records and monitor BPAY Payments 21 12. DEFINITIONS 38 5.8 Privacy – BPAY 22 6. BPAY VIEW® 23 6.1 Getting started 23 6.2 Some rules about BPAY View® 23 6.3 Paper bills 23 6.4 Notice of bills or statements 23 6.5 What you must do 24 6.6 BPAY View® billing errors 24 Issuer: Bank of Queensland Limited ABN 32 009 656 740. Australian Financial Services Licence Number 244616. Australian Credit Licence Number 244616 1 1. INTRODUCTION 1.1 WELCOME TO BOQ ELECTRONIC BANKING 1.3 BANKING CODE OF PRACTICE The terms that govern the way you bank with us are set out As part of our commitment to customer service, we have in this booklet (which deals with your electronic banking adopted the Baking Code of Practice (BCOP). This is a access) and: self-regulatory code which aims to foster good relations • For personal transaction and investment accounts, the between banks and customers, and to promote good banking Deposit Products Product Disclosure Statement or Deposit practice. Products Terms and Conditions, Personal Banking Guide to The BCOP applies to banking services provided to customers Fees and Charges and Personal Deposits - Interest Rates; who are “individuals” and “small businesses” as defined in it. • For personal lending products, the Personal Lending We will comply with the BCOP, where it applies to the banking Supplementary Terms and Conditions, Personal Banking services we provided to you. Guide to Fees and Charges and your loan documents; • For business transaction and investment accounts, the Business Transaction and Investment Accounts Product 1.4 NEED TO KNOW MORE? Disclosure Statement or Business Transaction and Investment Accounts Terms and Conditions, Business You can contact us at any time if you would like any further Banking Guide to Fees and Charges and Business Accounts information, or a copy of any terms and conditions books by: – Interest Rates; and • calling our Customer Contact Centre on 1300 55 72 72 or +61 • For business lending products, the Business Lending 7 3336 2420 if you are calling from outside Australia. This is a Supplementary Terms and Conditions, Business Banking reverse charges number. If you wish to make a reverse Guide to Fees and Charges and your loan documents. charges call, to avoid the call costs you must request that the local telecommunications Together, those documents comprise our complete terms and conditions or Product Disclosure Statement for the • service initiate the call. Our Customer Contact Centre is banking services that we provide to you. open 24 hours a day, 7 days a week; • visiting our website at boq.com.au; • sending us a secure message via the Internet Banking 1.2 HOW DOES THIS DOCUMENT AFFECT YOU? service; You receive and agree to these terms and conditions on your • emailing us via the ‘contact us’ page on our website; own behalf and as agent for anyone operating on your • writing to us at GPO Box 898, Brisbane QLD 4001; or Account. You must pass on these terms and conditions to each of those persons, including all Electronic Banking Users. • visiting your local branch. Please contact your branch or our Customer Contact Centre if you require further copies of this document. You, the Account holder, are responsible for the actions of all Users. Any Delegator is responsible for the actions of their Delegated Users. ELECTRONIC BANKING TERMS AND CONDITIONS – Version 07/21 2. ONLINE BANKING Online Banking refers to the combined offering of Internet • receive an SMS message from us notifying you of various Banking and Mobile Banking. activities on Nominated Accounts; • Payments File Upload Facility (schedule payments created using your own accounting software); 2.1 INTERNET BANKING FEATURES AND BENEFITS • change your Personal Access Code; and The following services are available on some of our accounts • disable access to Internet Banking for yourself or your through Internet Banking (for a full list of permissible Delegated Users. accounts and features please visit http://www.boq.com.au/ online_enhancedIB_faq_products.htm): • account balance enquiry; 2.2 MOBILE BANKING FEATURES AND BENEFITS • transaction history enquiry; The following services are available on some of our accounts • search for transaction details and export those details to through Mobile Banking (for a full list of permissible accounts your own PC; and features please visit http://www.boq.com.au/online_ enhancedIB_faq_products.htm): • transfer of funds between Nominated Accounts; • request a statement of a Nominated Account to be posted • account balance enquiry; to the Customer (and anyone else who normally receives a • transaction history enquiry; statement for this account) (excluding Investment • view electronic versions of your statements for a Nominated Accounts and credit cards); Account (eStatements), in addition to receiving paper • view electronic versions of your statements for a statements by post in the usual manner; Nominated Account (eStatements), in addition to receiving • transfer of funds between Nominated Accounts; paper statements by post in the usual manner; • pay bills using BPAY; • register for paperless statements for an eligible Nominated • have your bills delivered to you electronically using BPAY Account. (Note: all accounts in the following link are eligible View®; for paperless statement activation, excluding credit card accounts: http://www.boq.com.au/online_enhancedIB • make payments to accounts with us and at other Australian _faq_products.htm) financial institutions using the Pay Anyone facility; • pay bills using BPAY; • define that more than one person must authorise transactions and requests carried out on your behalf; • have your bills delivered to you electronically using BPAYView®; • send secure messages to us and receive secure messages from us; • make payments to accounts with us and at other Australian financial institutions using the Pay Anyone facility; • enquire on an account balance of Nominated Accounts by sending an SMS message to us; • make payments to a Beneficiary with an account held at an overseas bank using the International Payments facility; • enquire on details of the last 5 transactions on Nominated Accounts by sending an SMS message to us; • transfer funds to other financial institutions in Australia on a real time gross settlement basis using the Real Time Gross • receive an SMS message from us notifying you of various Settlement Payment facility; activities on Nominated Accounts; and • schedule transfers and payments to be paid on a future • authorise payments that have been created by other users date or on a recurring basis (e.g.
Load more

Recommended publications
  • Bank Account Information Form Payee
    Bank Account Information Form The payee is responsible for the accuracy and completeness of the data entered in this form. The IAEA is not responsible for any delay in payments resulting from incorrectly supplied banking information. Bank charges resulting from incorrectly supplied information may be deducted from any subsequent payment. Only one bank account, per currency, per payee can be active for payment purposes. Please complete all required fields electronically. If not possible, please complete by hand using BLOCK CAPITALS. Please refer to the numbered instructions for help completing this form. Bank Account to which payment should be made: 01 Account Name (required) You MUST complete the Account Name above or else the IAEA cannot process the payment to your account. It is the name of the bank account; this may not be the same as the payee name and is never the account type. If unsure check a bank statement or ask your bank. The IAEA requires this information to help comply with controls on the movement of funds. Valid Examples: Person • AF E and J Z Abbas • ALing Hong • AMr Peter Smith and Ms Jane Hoff Organization • ARutherford Nuclear Institute • AIndian NMI No2 Payment Account 02 IBAN (for locations listed on reverse) or Account Number 03 SWIFT/BIC 04 Non IBAN Reference (Branch Number or Routing Number) (ABA, BSB, ACH, IFSC etc; see Instructions) 05 Bank Account Currency (if account accepts only one currency) 06 Bank Name 07 Bank Code (required if you do not have SWIFT/BIC) 08 Branch Address (Street, City, Country) Payee: Person 09 Is the above account for a Person or Organization? Organization Family Name First Name Middle Name 10 Person Information (only if you indicated Person above) 11 Organization Name (only if you indicated Organization above) 12 Payee Address (Street, City, Country, as held by your bank) 13 Remittance email address Please email, mail or fax the completed form to your IAEA contact: (For IAEA Use only) Julie Zellinger AIPS Supplier Number P.O.
    [Show full text]
  • WAW Product and Services Terms and Conditions
    PRODUCTS & SERVICES TERMS AND CONDITIONS THE WAW CREDIT UNION PRODUCTS & SERVICES TERMS AND CONDITIONS CONSISTS OF: WAW CREDIT UNION PRODUCTS AND SERVICES TERMS AND CONDITIONS BOOKLET; WAW CREDIT UNION FEES AND CHARGES SCHEDULE; WAW CREDIT UNION SAVINGS AND INVESTMENT RATES SCHEDULES; WAW CREDIT UNION DISCONTINUED ACCOUNTS FEATURES, FEES AND CHARGES SCHEDULE. THE WAW CREDIT UNION PRODUCT & SERVICES TERMS AND CONDITIONS SHOULD BE READ IN CONJUNCTION WITH THE WAW CREDIT UNION FINANCIAL SERVICES GUIDE. WAW Credit Union Co-Operative Ltd. ABN 48 087 651 787 Australian Financial Service Licence 247298 Australian Credit Licence 247298 Version 44 - dated 17 February 2021 replaces Version 43 - dated 15 June 2020 Page | 1 CONTENTS PAGE TOPIC NUMBER Introduction 4 Customer Owned Banking Code of Practice 4 Section 1 Words Used in this Brochure - Definitions 5 Section 2 Changes to the Terms and Conditions 6 Section 3 Deposits (including Financial Claims Scheme protections) 6 Section 4 Withdrawals 6 Section 5 Future Payments & Direct Debits 7 Section 6 Electronic Credits 7 Section 7 Electronic Payment Processing Times 7 Section 8 Interest, Fees & Charges 8 Section 9 Statement of Account 8 Section 10 Electronic Statements (eStatements) & Notices 8 Section 11 Joint Accounts 8 Section 12 WAW’s Right to Combine Accounts 9 Section 13 Foreign Currency Transactions 9 Section 14 Closing an Account 9 Section 15 Inactive Accounts 9 Section 16 Dormant Accounts 9 Section 17 Anti-Money Laundering & Counter-Terrorism Financing Act 2006 10 Section 18 Phone Banking/Internet
    [Show full text]
  • SG Directshares CNBC.Pdf
    Directshares CHANGE OF NOMINATED BANK ACCOUNT form When to use this form Use this form to change your St.George Bank, Bank of Melbourne or BankSA transaction account linked to your Directshares account. Current Account Details Directshares Account Number: Directshares Account Name Please change my linked St.George Bank, Bank of Melbourne or BankSA account to the following: Bank Account Name Bank State Branch (BSB) Number Bank Account Number Eligible accounts are St.George, BankSA or Bank of Melbourne transaction accounts that permit direct debits. Check your bank account terms and conditions if you are unsure. Accounts that are not eligible include savings and term deposit accounts. Authorisation I/We authorise CMC Markets Stockbroking Limited as the provider of the service to request St.George Bank to: • Link my/our above nominated St.George Bank, Bank of Melbourne or BankSA Account to the trading account, in replacement of the St.George Bank, Bank of Melbourne or BankSA account previously nominated; • Obtain from St.George Bank information about the balance of my nominated St.George Bank, Bank of Melbourne or BankSA account, or any information CMC Markets Stockbroking would reasonably require to perform the services covered under the Trading Terms and Conditions including the CHESS Sponsorship Agreement. Date: / / 20 Account Holder 1 Account Holder 2 (if applicable) Client Signature(s) Name(s) (printed) Title (if company) e.g. director, officer, secretary Please note: This St.George Bank, Bank of Melbourne or BankSA account must be in the name of, or include the name of, your Directshares account, and cannot be a credit card.
    [Show full text]
  • Current Terms and Conditions for Commonwealth Portfolio Loan
    Current Terms and Conditions for Commonwealth Portfolio Loan. Issued 14 June 2019 Contents WHY READ THIS BOOKLET? 1 C SUPERGEAR [Omitted] 1. Current Terms and Conditions For Business D TRADE FINANCE AND Finance 3 CONTINGENT LIABILITIES [Omitted] A General Terms & Conditions 3 E COMMONWEALTH BANK A1 Conditions you need to meet before CORPORATE CARD & BUSINESS CREDIT we provide the Facility 3 CARD* [Omitted] A2 When we can withdraw our offer 4 F MEANINGS OF WORDS 23 A3 General provisions 4 2. OTHER INFORMATION 37 A4 The security property 7 G PRIVACY 37 A5 Payments 9 H ADDITIONAL OBLIGATIONS 38 A6 If you default 11 A7 Calculating and paying interest 13 I WHERE TO GET HELP 39 A8 Notices and communication 14 J CREDIT GUIDE 40 A9 Changing the Facility 14 K INFORMATION STATEMENT 40 A10 Exercising our rights 17 3. MEMORANDUM OF PROVISIONS A11 Trustees 17 FOR LAND MORTGAGES [Omitted] A12 Your declaration 19 4. SECURITY INTEREST PROVISIONS A13 Financial covenants 19 FOR GENERAL SECURITY A14 Refusal of Service 20 INTERESTS AND ASSET SECURITY INTERESTS A15 Variations to Terms and Conditions 20 [Omitted] B-F Specific Terms & Conditions 21 B COMMERCIAL LENDING 21 B1 BetterBusiness Loans [Omitted] B2 Bill Facilities [Omitted] B3 Line of Credit Facilities [Omitted] B4 Multi-Option Facility [Omitted] B5 Market Rate Loans [Omitted] B6 Commonwealth Portfolio Loan 21 VERSION INFORMATION Issued 01 July 2017 as "Current Terms and Conditions for Business Finance" as a booklet together with: • Memorandum of Provisions for Land Mortgages • Security Interest Provisions for General Security Interests and Asset Security Interests. Renamed 30 April 2018 as "Current Terms and Conditions for Commonwealth Portfolio Loan” and abridged.
    [Show full text]
  • Scanned Document
    C OMPETITION WITHIN THE AUSTRALIAN BANKING SECTOR The Westpac Group’s Submission to the Senate Economics Committee Inquiry into Competition within the Australian banking sector C OMPETITION WITHIN THE AUSTRALIAN BANKING SECTOR Contents Executive Summary 3 Chapter 1 7 Introduction – the Global Financial Crisis and Australia’s financial services system 7 Chapter 2 10 Competition across the market and within the Westpac Group 10 2.1 Westpac is one of many providers of financial services to Australians 10 2.2 Competition in housing finance 11 2.3 Personal credit 14 2.4 Business credit 15 2.5 The Westpac Group – product and brand competition for customers 17 Chapter 3 20 Funding, pricing and profitability 20 3.1 Customer deposits 20 3.2 Wholesale markets 21 3.3 Net interest margin 23 3.4 Profitability and shareholdings 24 Chapter 4 29 Competition and safety 29 4.1 Prudential regulation and safety balances competition 29 4.2 Raising safety raises costs 30 4.3 Safety benefits 31 4.4 Balancing competition 32 Chapter 5 33 Facilitating competition and contestability 33 5.1 A wide range of ideas to facilitate competition 33 5.2 Supporting customer flexibility and choice 33 5.3 Account number portability 34 5.4 Mortgage fees 36 5.5 A broad-based banking inquiry 38 1 Westpac Banking Corporation ABN 33 007 457 141 C OMPETITION WITHIN THE AUSTRALIAN BANKING SECTOR Chapter 6 40 Funding measures to assist competition 40 6.1 Measures to increase funding 40 6.2 Strengthening the RMBS market 41 6.3 Securitisation of alternative asset classes 42 Conclusion 44 References 45 2 Westpac Banking Corporation ABN 33 007 457 141 C OMPETITION WITHIN THE AUSTRALIAN BANKING SECTOR Executive Summary Australia has a strong, reliable and resilient banking system, with all of its participants contributing to that strength in their own way.
    [Show full text]
  • Financial Services Guide
    Financial Services Guide (Corporations Act (Cth) 2001) Issue date : 19 January 2015 Police Financial Services Limited ABN 33 087 651 661 AFSL 240293 Trading Name : BankVic 121 Cardigan Street, Carlton Vic 3053 T 13 63 73 W bankvic.com.au E [email protected] [email protected] [email protected] PMS 425 members matter members matter police, health, police, health, emergency & public services emergency & public services Important Information BankVic has prepared this Financial Services Guide (FSG) to assist you in deciding whether to acquire any of the products or services we are authorised to provide. It contains important information about: > The products and services we offer; > How we and others are paid for those products and services; > The interests, associations and relationships we have; > How we deal with complaints; and > Our contact details. Other documents you may receive If we provide you with personal advice (advice which takes into account your objectives, financial situation and needs) about an insurance product or about any other product that is not a ‘basic deposit’ product or a related facility for making payments other than by cash, you will also receive a Statement of Advice (SOA). A SOA sets out the personal advice given to you, including any recommendations about particular financial product/s, the basis of those recommendations, information about fees and commissions and associations with others that may have influenced the advice. If we recommend, offer or issue you with a financial product, we will give you a Product Disclosure Statement (PDS) or disclose the key information contained in the PDS.
    [Show full text]
  • Bankwest, a Division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian Credit Licence 234945
    Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945 BWA Cash Management Account (BWA CMA) Bankwest Access Facilities – Conditions of Use – 27 November 2015 21862/1115 Product Information Statement The BWA Cash Management Account Product Information Statement that you received when you opened your nominated BWA CMA should be read in conjunction with these Access Facilities – Conditions of Use and the Banking Services Rights and Obligations document. You should read all of these documents carefully and retain them for future reference. Copies of these documents can be obtained by contacting our Client Services Team on 1300 663 117 or by visiting bwami.com.au. 2 BWA Cash Management Account (BWA CMA) Contents Part 1 – General Conditions of Use 6 1.1 Definitions 6 1.2 ePayments Code 10 1.3 Code of Banking Practice 10 1.4 Acceptance 11 1.5 Fees and charges 11 1.6 Changes to these Conditions of Use 11 1.8 Electronic communications with you 12 1.9 Contact 13 1.10 Privacy 13 1.11 Severance 13 1.12 Your Security Setting 14 1.13 Cancellation of access 14 1.14 Statements 15 Part 2 – Debit Cards Conditions of Use 15 2.1 About these Conditions 15 2.2 All cards remain Bankwest Property 15 2.3 Use of the Debit Card 16 2.4 Types of transactions that can be made 16 2.5 Where the card and PIN can be used 16 2.6 Daily transaction limits 16 2.7 Depositing funds using the card and PIN 17 2.8 Transactions needing authorisation 17 2.9 Transactions at EFT terminals 17 2.10 Use of a card at merchants,
    [Show full text]
  • BWA Cash Management Account Product Information Statement Dated 28 November 2014
    BWA Cash Management Account Product Information Statement Dated 28 November 2014 ™ Refer to inside front cover The BWA Cash Management Account is a deposit account offered by Bankwest, a division of the product issuer, Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945. This is a Product Information Statement (PIS) for the BWA Cash Management Account (BWA CMA). The name and address of the administrator and distributor are: Colonial First State Investments Limited (Colonial First State) C/– Level 11, Bankwest Place 300 Murray Street Perth WA 6000 Telephone: 1300 663 117 Facsimile: 1300 853 628 Email: [email protected] Mailing address: Enquiries: BWA Managed Investments Telephone 1300 663 117 PO Box 2515 Facsimile 1300 853 628 Perth WA 6001 Email [email protected] Website bwami.com.au If you are printing an electronic copy of this PIS, you must print all Bankwest is a division of the product issuer, Commonwealth Bank of pages. The PIS must be read in conjunction with Bankwest’s Banking Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945 Services Rights and Obligations (BSRO), the Access Facilities – Conditions (Bankwest). of Use document and Your Guide to Banking Fees. These documents are available on our website bwami.com.au. The application/ID forms Commonwealth Bank of Australia (the Bank) has appointed Colonial and supporting documents pertaining to the BWA CMA is available First State Investments Limited ABN 98 002 348 352 AFSL 232468 by visiting bwami.com.au/forms/cma-forms. A paper copy of this PIS as the administrator and distributor in relation to this product.
    [Show full text]
  • Estate Management Disbursement Form
    ESTATE MANAGEMENT DISBURSEMENT FORM WHAT YOU NEED TO KNOW Use this form to ‘disburse’ (sell or transfer) shares from a deceased estate. Depending on the accounts held within the estate, certain sections of this form will need to be completed, and supporting documentation provided. International accounts can be complex, you should have received separate disbursement instructions for these accounts. If these have not been received please contact us. STEP 1 – BEFORE YOU START (MANDATORY) Before you can proceed with the disbursement of the shares, you must have completed the Estate Management Notification form and provided the necessary supporting documentation. You can find this form by visiting commsec.com.au and navigating to Support > Forms and Brochures. STEP 2 – COMPLETE THE FOLLOWING FORMS The below table outlines the disbursement options for a deceased estate based on the account type. The executors can choose a combination of these options: ACCOUNT TYPE FORMS TO COMPLETE REQUIRED DOCUMENTATION Individual If the portfolio holdings value is less than If a certified copy of Probate is provided, the Small e.g. John Smith $50,000, complete: Estate Indemnity form is not required. Small Estate Indemnity form To TRANSFER the estate shares to the beneficial If you haven't already, please provide the following: owner/s Certified copy of the Death certificate and If transferring to an existing CommSec trading account, complete: Certified copy of the Last will and testament Internal Bulk Off Market Transfer form If the holdings are $50,000 or greater (No fees will be charged by us). Once you have received the portfolio and historical transaction statements from us, please also provide: If transferring to another broker or share registry, complete: Certified copy of a Probate/Letter of administration Standard Off Market Transfer form (A Probate supersedes the Death certificate and (No fees will be charged by us).
    [Show full text]
  • BOQ Specialist
    BOQ Specialist Change to Terms and Conditions Code of Banking Practice and ePayments Code May 2015 NOTICE TO EXISTING BOQ SPECIALIST CUSTOMERS CHANGE TO TERMS AND CONDITIONS DUE TO THE CODE OF BANKING PRACTICE AND EPAYMENTS CODE It is currently anticipated that on or about the 1st of June 2015 (subject to regulatory approvals and other matters) (Transfer Date), BOQ Specialist will become a division of Bank of Queensland Limited (BOQ) and on and from the Transfer Date: • Products and services of BOQ Specialist will be provided by BOQ Specialist as a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian Credit Licence no 244 616; and • All rights of BOQ Specialist under the relevant Terms and Conditions for these products and services will be transferred to, and will be exercised by BOQ. Up to date information regarding the Transfer Date will be made available at www.boqspecialist.com.au. BOQ has adopted the Code of Banking Practice and the ePayments Code (Codes) and from the Transfer Date important changes will take effect for existing BOQ Specialist customers. For all our clients, it is very much business as usual. We continue to operate as we always have with the same people, delivering a unique specialist banking proposition characterised by our high touch service, niche expertise and ability to be nimble, flexible and innovative. Your account details and our products remain the same. You can continue operating with us as normal. What are the Codes? Code of Banking Practice The Code of Banking Practice is a voluntary code of conduct for member banks of the Australian Bankers Association.
    [Show full text]
  • Terms and Conditions
    Terms and Conditions BOQ Specialist Online Service Last updated: 24 February 2020 What's New? We are have introduced new features to online banking. They include the ability to: Manage your BOQ Specialist Credit Card covering activation, PIN change, card blocking and cancellation Update your Statement Preferences Set Term Deposit maturity instructions Important Information Except for BPAY® Payments, we only use the BSB and Account number to process payments and transfers to Accounts held with financial institutions other than BOQ Specialist. Please make sure the BSB and Account number you provide to us are correct. We will not verify the Account name you provide to us. If you believe you have made a mistake in an online transaction or payment, you must contact us as soon as possible on 1300 160 160. This line operates 24 hours a day and seven days a week. You must provide us with the full details so that we can locate the transaction and take action. Products and services are provided by BOQ Specialist - a division of Bank of Queensland Limited ABN 32 009 656 740 AFSL and Australian credit licence No. 244616. By using such services, the User represents and warrants to BOQ Specialist that they have read, understood and agree to abide by such terms and conditions at all times. It is important that the User read these terms and conditions carefully and retain them for future reference. If the User does not understand or agree to abide by these terms and conditions, the User should not use the service. The following terms and conditions apply to the provision of these services by BOQ Specialist: BOQ Specialist's Online Banking - Part A The use of BPAY - Part B Online Banking Services accessed via the BOQ Specialist Mobile App - Part C1; and Symantec Credential as set out in the 'Symantec Identity Protection End User Agreement' - Part D These terms and conditions should be read in conjunction with the terms and conditions of the Account which is accessed via Online Banking ("Other Terms").
    [Show full text]
  • Transaction, Savings and Investment Accounts: Terms and Conditions
    Transaction, Savings and Investment Accounts Terms and conditions (incorporating fees and charges). Effective: 13 September 2021 Welcome This document sets out the terms and conditions of your account and forms part of your contract with us. This document now includes the information that was You will be considered to have agreed to these terms and conditions, on the earlier of when you first use your previously contained in two separate documents: account or when you otherwise agree to these terms and conditions. We encourage you to read this document. To help you navigate it, we have included call-out boxes to guide you through the text. • St.George Transaction, Savings and Investment The information in this document is subject to change. We may vary the information in this document. We will Accounts Banking Services Terms and Conditions provide updated information by giving you notice (if required, such as where the change is materially adverse and General information; and to you) or by posting the updated information on our website. You can also contact us to receive a free paper copy of any updated information. • St.George Transaction, Savings and Investment For more information: Accounts Fees and charges and how to minimise them. Visit stgeorge.com.au Call 13 33 30 Visit any of our branches Write to us at St.George Bank, Locked Bag 1, Kogarah NSW 1485 St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. (‘We’) is the provider of the advisory services and products found in this document.
    [Show full text]