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Banking Services Rights and Obligations

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Banking Services Rights and Obligations Banking Services Rights & Obligations 30 July 2021 Product Disclosure Statement This booklet provides general information about the rights and obligations that may arise out of our banking relationship with you. It provides information which, under the Banking Code of Practice, we have agreed to provide to you. This booklet relates to our banking services generally. The extent to which the information in it will apply to you will depend on the banking service provided. If you are opening a Bankwest or transaction or investment account, this booklet will form part of the Product Disclosure Statement “(PDS)” and must be read together with the other documents forming that PDS: – the Investment and Transaction Account Terms and Conditions; – the Account Access Conditions of Use; – the relevant Product Schedule; and – the ‘Your Guide to Banking Fees’ brochure. We, us, the Bank, or Bankwest means Bankwest, a division of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL/Australian credit licence 234945. You should read all of these documents carefully and retain them for future reference. Copies of each of the documents can be made available to you on request from our Customer Help Centre or Bankwest branches or can be viewed on our website bankwest.com.au Enquiries: Customer Help Centre 13 17 19 Banking Services Rights & Obligations Page 1 of 9 Contents 1. Introduction 3 2. Banking Code of Practice (‘Code’) 3 3. Reading Terms and Conditions 3 4. Privacy and Confidentiality 3 5. Opening an account 4 6. Access to fees, charges, interest rates and Terms and Conditions 4 7. Our right to combine accounts 4 8. Operating joint accounts 4 9. Your liability for joint accounts 4 10. Cheque book facilities 5 11. Cheque clearance times 5 12. Writing cheques 5 13. How to stop payment of a cheque 7 14. Cheques returned unpaid (dishonoured) 7 15. What do I do if I have a problem? 7 16. Direct debits 7 17. Bank cheques 8 18. What to do if loan repayments become overdue 8 19. Account suitability advice 8 20. Tell us if you have a complaint 8 21. Additional Obligations 9 22. Disclaimer 9 Page 2 of 9 Banking Services Rights & Obligations 1. Introduction 3. Reading Terms and This booklet has been prepared specifically for our Conditions personal and small business customers. You are a We recommend that you read carefully the Terms and small business customer if you meet the definition of Conditions applying to a banking service before you small business in the Banking Code of Practice. It sets accept them. If you do not fully understand the Terms out information to assist you in understanding your and Conditions, or any document we may provide to accounts and our banking services. It also details your you which applies to a banking service or product, rights and obligations and our responsibilities to you. please ask one of our Customer Service Officers to However, as the booklet is of a general descriptive nature, help you. it should not be relied upon as a full statement of the topics it covers. In addition, this booklet relates to a range 4. Privacy and Confidentiality of our banking services. Some of the material in it may not be relevant to the banking service or product you hold The Bank respects the privacy and confidentiality of with us. your information. We encourage you to keep this booklet as a useful When the Bank obtains personal information about reference. you, its collection, use and disclosure of that information is governed by our Privacy Policy, a copy of 2. Banking Code of Practice which can be viewed on our website or made available to you on request. ‘Personal information’, for the (‘Code’) purpose of our Privacy Policy, refers to information The Banking Code of Practice (the Code) sets out the about and which identifies individuals. It includes standards of practice and service in the Australian information obtained from any source and, in respect banking industry for individual and small business of individual credit applicants and guarantors (if any), customers, and their guarantors. includes anything about credit worthiness, standing, history and capacity which, under and in accordance Bankwest subscribes to the Code. with the Privacy Act 1988, may lawfully be exchanged. The Code applies to banking services we provide to In general, the Bank will not use or disclose personal you where you are an individual or a small business. information collected about you otherwise than for a The Code applies to individuals acting as guarantor to purpose set out in our Privacy Policy, for a purpose you help another individual or a small business to secure a would reasonably expect, a purpose required or permitted loan provided by Bankwest. by law, or a purpose otherwise disclosed to, or authorised The Code requires the Bank to provide individual by you. You may contact our Customer Help Centre on 13 guarantors with certain information before taking a 17 19 at any time to find out what personal information guarantee, certain exceptions apply, for example where we hold about you and, if necessary, to correct any the guarantor is a commercial asset financing inaccurate or incomplete information. guarantor, sole director guarantor or trustee guarantor. We appreciate that you may not wish us to use or This booklet addresses some of your rights and our disclose your personal information for promotional or obligations under the Code. For further details, market research purposes. You may at any time including information about the nature and extent of contact our Customer Help Centre and request that the Bank’s compliance with the Code, you should you be excluded from such communications. obtain a copy of the Code which you may request from Our Privacy Policy does not apply to small business us at any time. It can also be viewed on our website customers who are not individuals. However, bankwest.com.au information provided to us by small business customers will be treated as confidential and will not be disclosed except where the disclosure is compelled by law, there is a duty to the public to do so, our interests require disclosure, or the disclosure is made with your consent. Banking Services Rights & Obligations Page 3 of 9 5. Opening an account Human Services Income Support Payments or Department of Veteran’s Affairs Payments limits the When you open an account with us for the first time extent to which we can combine your accounts. you may be asked about your identity and your Tax File Number. We may, however, require you to retain funds in an account until our decision on your hardship application Tax File Number has been made. It is a good idea to provide us with your Tax File Number Note: You cannot presume that we will combine an (‘TFN’) in relation to Bankwest-branded accounts or overdrawn account with an account which is in credit investments that earn interest, to avoid tax being (e.g. in order to cover a cheque you have written on the deducted from such interest at the highest personal tax overdrawn account). rate plus the Medicare levy. You may be able to claim an exemption from providing your TFN. You may ask our Customer Help Centre for 8. Operating joint accounts further information on TFN exemption categories. Joint account owners of personal accounts or owners Please note that it is not against the law if you choose of business accounts can decide whether one or more not to give us your TFN or exemption. However, if you owners or signatories must authorise transactions do not provide your TFN or exemption, we are obliged together (“two to sign”) or can make transactions on by law to deduct the tax from interest earned and send their own (“one to sign”). There may be some Bankwest it to the Tax Office. accounts with linked accounts that must be one to sign where jointly held. 6. Access to fees, charges, If you choose one to sign (or this otherwise applies), any interest rates and Terms account owner or signatory can withdraw money from the account or make transactions on behalf of the other and Conditions account owners. Apart from some linked accounts, You can contact our Customer Help Centre for details either joint account owner can ask us to change the of our current fees, charges and interest rates and to account authority to two to sign, so that all parties have request our current Terms and Conditions for any to approve withdrawals and neither party is authorised banking service. to operate the account solely. 7. Our right to combine 9. Your liability for joint accounts accounts Did you know that all banks, in protecting their interests, When you open a joint account you need to be aware of have the power to combine a customer’s accounts? the extent of your liability and obligations. We can do this if one account is in credit and another is Each joint account holder will be liable to us for the overdrawn, even if the accounts are at different whole of: locations, or managed under different brands (such as – any transaction on the account; Commonwealth Bank). We will write to you if we have – any debt to us on the account; exercised our right to combine accounts. – any loss or damage we suffer in connection We cannot combine your accounts if: with the account; and – you hold them in a different capacity, e.g. one – any fees, charges and expenses debited to account is in your own name and another is in your the account. name as trustee for someone else; We can take action against any one, all, or a number of – we have agreed to keep your accounts separate.
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