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Account and Access Facility Conditions of Use INCORPORATING CUSTOMER TERMS for OSKO®

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Account and Access Facility Conditions of Use INCORPORATING CUSTOMER TERMS for OSKO® Account and Access Facility Conditions of Use INCORPORATING CUSTOMER TERMS FOR OSKO® Effective from 28 February 2020 How to contact us Visit us at any of our branches – visit our website at queenslandcountry.bank for our branch details Phone 1800 075 078 Post PO Box 679, Aitkenvale QLD 4814 Email [email protected] To report the loss, theft or unauthorised use of your Visa card, rediCARD and/or CueCard: in Australia Queensland Country Visa Card or CueCard • 24hr Emergency Hotline on free call – 1800 621 199 rediCard • 24hr Emergency Hotline on free call - 1800 753 377 Please also contact us to report the loss, theft or unauthorised use. Heading Overseas? Please contact us before you travel overseas for the current Hotline arrangements To report the loss of any other access facility, or any other unauthorised transaction, contact us as set out above in How to Contact Us. Customer owned Banking Code Accessing copies of the of Practice Conditions of Use We warrant that we will comply with the Please keep these Conditions of Use in Customer Owned Banking Code of Practice. a safe place so you can refer to it when Please see the section about the Customer needed. Alternatively, you can view and Owned Banking Code of Practice at the end download our current Conditions of Use from of these Conditions of Use for more detail. our website at queenslandcountry.bank ePayments code Financial Claims Scheme We warrant that we will comply with the The Financial Claims Scheme (FCS) protects ePayments Code. depositors through the provision of a guarantee on deposits (up to the cap) held How our Conditions of Use in authorised deposit-taking institutions become binding on you (ADIs) incorporated in Australia and allows quick access to their deposits if an ADI Please note that by opening an account or becomes insolvent. using an access facility you become bound by these Conditions of Use. Queensland Country Bank Limited (the Bank) is an ADI. Depositors with the Bank may be entitled to receive a payment from the FCS, subject to a limit per depositor. For further information about the FCS visit the website: http://www.fcs.gov.au. 2 Contents Account Operations ............................................................................................................................ 4 What is the Queensland Country Bank Account and Access Facility? ................................. 4 How do I open an account? ......................................................................................................... 4 Proof of identity required ............................................................................................................. 4 What accounts can I open? ......................................................................................................... 5 Joint accounts ............................................................................................................................... 5 Trust accounts ............................................................................................................................... 5 What fees and charges are there? ............................................................................................ 6 What interest can I earn on my account? ................................................................................. 6 What are the taxation consequences? ..................................................................................... 6 Disclosing your Tax File Number (TFN) ......................................................................................... 6 Third party access......................................................................................................................... 6 Making deposits to the account ..................................................................................................7 Deposits using electronic equipment ..........................................................................................7 Depositing cheques drawn on Australian banks .......................................................................7 Withdrawing or transferring from the account .........................................................................7 Debiting transactions generally .................................................................................................. 8 Over the counter withdrawals ..................................................................................................... 8 Withdrawals using our corporate cheques ............................................................................... 8 Transaction limits .......................................................................................................................... 8 Overdrawing an account .............................................................................................................. 9 Sweep facility ................................................................................................................................. 9 Account statements ..................................................................................................................... 9 What happens if I change my name or address? ..................................................................... 9 Dormant accounts ........................................................................................................................ 9 Account combination ..................................................................................................................10 Closing accounts and cancelling access facilities .................................................................10 Notifying changes .......................................................................................................................10 How we send notices and statements ......................................................................................11 Complaints ............................................................................................................................................11 Chequing ............................................................................................................................................... 12 Chequing ........................................................................................................................................ 12 Direct debit .......................................................................................................................................... 12 Electronic access facilities and ePayments Conditions of Use .................................................. 13 Apple Pay Conditions of Use ............................................................................................................ 35 Security of your Apple device .................................................................................................... 35 Apple Pay provided by Apple ..................................................................................................... 35 About the Customer Owned Banking Code of Practice ............................................................. 36 3 Account Operations What is the Queensland Country Bank Account and Access Facility? The Queensland Country Bank Account and Access Facility is a facility that gives you transaction, savings and term deposit accounts as well as these facilities for accessing accounts: • rediCARD • CueCard • Visa card • chequing • BPAY ® (registered to BPAY® Pty Ltd ABN 69 079 137 518) • Osko® Payments (registered to BPAY® Pty Ltd ABN 69 079 137 518) • telephone and internet banking • EFTPOS and ATM access • direct debit requests. Please refer to the Fees and Charges brochure for available account types, the conditions applying to each account type and the access methods attaching to each account type. How do I open an account? You will need to become a member of the Bank (Member) before we can issue the Queensland Country Bank Account and Access Facility to you. To become a Member, you will need to: • complete an application form; and • subscribe for a share in the Bank. Proof of identity required The law requires us to verify your identity when you open an account or the identity of any person you appoint as a signatory to your account. In most cases you can prove your identity by showing us one of the following photo identity documents: • a Photo card (NSW only); • a State or Territory drivers licence or proof of age card; • an Australian current passport or one that has expired within the last two years; • a photo drivers licence issued by a foreign government; • a passport issued by a foreign government, the United Nations or a UN agency; • a national ID card, with photo and signature, issued by a foreign government, the United Nations or a UN agency. If you do not have photo ID, please contact us to discuss what other forms of identification may be acceptable. 4 The law does not allow you to open an account using an alias without you also giving us all the other names that you are commonly known by. If you want to appoint a signatory to your account, the signatory will also have to provide proof of identity, as above. What accounts can I open? Please check the Personal Savings and Transaction brochure for the different account types available, and the Fees and Charges brochure for any special conditions for opening, and the features and benefits of each account type. Joint accounts A joint account is an account held by two or more persons.
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