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Transaction, Savings and Investment Accounts: Terms and Conditions

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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. 3 How to use this document Contents This booklet has been designed to clearly explain the All about Accounts terms and conditions and other important information you need to know about your account. 1. Summary of Features ................................................................................................................................................................................6 2. Your guide to opening accounts ..................................................................................................................................................... 11 We’ve endeavoured to simplify information where possible, but if there’s something you’re still not sure 3. Using your accounts ............................................................................................................................................................................... 15 about, please ask. 4. Understanding debit cards ................................................................................................................................................................ 26 We’re here to help. 5. Your statements ........................................................................................................................................................................................ 31 6. How we pay interest ............................................................................................................................................................................... 32 7. Cancelling or stopping a payment ................................................................................................................................................ 36 8. Using cheques ............................................................................................................................................................................................ 37 Understanding Fees and Charges 9. Fees and Charges tables .................................................................................................................................................................... 40 10. Explaining fees and charges ............................................................................................................................................................. 55 11. How to save on fees ................................................................................................................................................................................ 56 Account security and liability Important 12. Security and liability for card, Phone Banking and Internet Banking usage ................................................... 57 Throughout this booklet, we’ve highlighted some of What does that Finding your way 13. Liability for unauthorised transactions ..................................................................................................................................... 59 the key points and important word mean? Colour coding, section information in boxes like this. 14. Mistaken internet payments ............................................................................................................................................................. 61 On page 71 you can find headings and clear a handy explanation page numbers will help Tip Other important things to understand of the important terms guide you through our in this document. terms and conditions. 15. Changes to terms and conditions ................................................................................................................................................ 64 Look closely 16. General matters ......................................................................................................................................................................................... 66 17. Meaning of words .................................................................................................................................................................................... 69 Take note 4 5 All about Accounts 1. Summary of Features Table 1 – Transaction, Savings, Investment and Super accounts Transaction accounts Savings and investment accounts Super accounts Retirement Complete Freedom Access Plus Concession Incentive Saver Maxi Saver Investment Cash DIY Super Saver Most suitable if you need: An account offering unlimited access. A flexible everyday A low cost, easy An account that rewards you A savings account that offers An account that offers a An interest bearing online The account can also be used as an offset account designed for to use account with bonus interest for regular a great interest rate with competitive interest rate with savings account for facility linked to a St.George Home Loan. eligible retirees, which for concession saving to help you save faster. access to funds through a easy access to your cash. Can Self-Managed Super Funds. earns split interest cardholders. linked account via Internet and be used as a cash hub account on balances. Phone Banking. for your Self-Managed Super Fund and investments. Who is eligible Personal customers only. Personal customers Personal customers Personal customers Personal customers only. Personal customers Registered Self-Managed to open one? Personal customers who become ineligible to who are aged 55 years who hold a only. Not available for Not available for Self-Managed (aged 18 years or over) or Super Fund customers Please note: all account hold a Concession account may be converted and over who tell us Commonwealth Self-Managed Super Funds. Super Funds. Registered Self-Managed (aged 18 years and over). holders will need to meet to a Complete Freedom account. Personal they are retired. Government Seniors You must hold an eligible Super Fund customers. You must also hold an eligible eligibility requirements. customers who hold a Portfolio Loan will convert Health Card, Health St.George transaction account account in the same name, such to a Complete Freedom account once the loan Care Card, or from this table in the same as an Investment Cash account has been repaid at the customer’s request, Pensioner Concession name. Contact us for other or transaction account from otherwise the account will be closed. Card. See the ‘Your eligible accounts. this table. Contact us for other guide to opening eligible accounts. accounts’ section for more details. Is there a limit to the There is no limit to the number of Complete No No No, unless the account No, but only the first No No. number of accounts Freedom accounts that you can have. holder is under the age of 18, Maxi Saver account opened I can have? in which case a limit of one with you as an account account applies. holder will be eligible for the introductory bonus interest. How can I open Online and mobile (minimum age may apply), In branch and phone. In branch and phone. Online and mobile Online and mobile Phone and completed in branch. In branch and phone. an account? in branch and phone. (minimum age may apply), (minimum age may apply), in branch and phone. in branch and phone. Is there a minimum No No No No No No No opening balance? Are funds at-call? Ye s Ye s Ye s Ye s Ye s Ye s Ye s Will I get regular 6 monthly, or more frequently on request. 6 monthly, or more 6 monthly, or more 6 monthly, or more 6 monthly, or more 6 monthly, or more 6 monthly, or more statements? frequently on request. frequently on request. frequently on request. frequently on request. frequently on request. frequently on request. See the ‘Your statements’ section for more details. Will I earn interest? No Ye s No Ye s Ye s Ye s Ye s See the ‘How we pay interest section’ for more details. What type of base N/A Split interest N/A Tiered interest Split interest Tiered interest Split interest interest will I earn? See the ‘How we pay interest section’ for more details. How often is interest paid? N/A Monthly N/A Monthly Monthly Monthly Monthly
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