Christmas Club Account

Enjoy a hassle free Christmas with the IMB Christmas Club Account. Earn bonus interest for regular saving then access your savings in November and December to pay for Christmas.
Category: Transaction & Savings Accounts  Last Updated May 28, 2026  Effective June 3, 2026

 General Lending Rates

No product information is currently listed. Please make contact with us for more information.

 Product Features

  • Digital Banking Additional Information: Internet Banking and Mobile Banking App.
  • Npp Payid Additional Information: Create a PayID through IMB’s Internet Banking or Mobile Banking App to receive Osko payments.
  • Other Additional Information: Direct Credit is available on this account type.
  • Other Additional Information: Receive Electronic Funds Transfers (EFT) to this account type.
  • Other Additional Information: IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
  • Other Additional Information: IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.
  • Other Additional Information: IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
  • Npp Enabled Additional Information: This account type is enabled to recieve Osko payments, via the New Payments Platform (NPP) only. Osko is the faster way to receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can be paid in a matter of seconds

 Product Eligibility

  • Pension Recipient
  • Natural Person

 Bank Fees and Charges

  • Special Clearance On Cheques (Event), Amount: 16.00. Additional Information: Maximum charge. Charges either wholly or partly imposed by third parties.
  • Trace On Electronic Debit/credit (Event), Amount: 20.00.
  • Default Notice Fee (Event), Amount: 30.00. Additional Information: A Default Notice fee of $30 will be debited from your deposit account or Personal Credit Line facility, where you are in breach of the PDS and/or the schedule and IMB issues a notice to you demanding monies. Refer to the PDS Member Guide to Transactional Banking for further information.
  • Transfers Between Accounts To Cover Overdrawn Balance (Event), Amount: 15.00.
  • Transaction Listing - Electronic - Up To 10 Pages (Event), Amount: 5.00.
  • Transaction Listing - Electronic - 10 Pages And Over (Event), Amount: 0.50. Additional Information: Per page
  • Interest Statement - Electronic (Event), Amount: 2.50. Additional Information: Per page
  • Copy Of Withdrawal Or Deposit Form (Event), Amount: 15.00.
  • Recalculation Of Interest (Event), Amount: 30.00. Additional Information: Per page
  • Research Fee (Event), Amount: 30.00. Additional Information: Per page
  • Retrieval Of Archived Documents (Event), Amount: 20.00. Additional Information: Per page
  • Audit Certificate (Event), Amount: 30.00. Additional Information: Per certificate
  • Unclaimed Monies/dormant Account (Event), Amount: 40.00. Additional Information: Maximum charge per account
  • Bulk Coin Count (Deposit), Amount: 5.00. Additional Information: Maximum charge
  • Total Cash Withdrawal Over $2,000 In A Day (Withdrawal), Amount: Not Listed.. Additional Information: A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day.
  • Manual Deposit Other Institution (Deposit), Amount: 10.00.
  • Trace On Financial Institution Cheque (Event), Amount: 50.00. Additional Information: Charges either wholly or partly imposed by third parties.
  • Copy Of Financial Institution Cheque (Event), Amount: 16.00. Additional Information: Maximum charge. Charges either wholly or partly imposed by third parties.
  • Stop Payment Fee (imb Cheques) (Event), Amount: 12.50. Additional Information: Maximum charge. Charges either wholly or partly imposed by third parties.
  • Foreign Cheque Conversion (value Less Than Au$10,000) (Deposit), Amount: 25.00. Additional Information: Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties
  • Foreign Cheque Conversion (value Au$10,000 And Greater) (Deposit), Amount: 50.00. Additional Information: Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties
  • Purchase Of Foreign Currency (Withdrawal), Amount: 10.00. Additional Information: $10 or 1% of the value of the total order (whichever is greater).
  • Sms Alerts (Event), Amount: 0.25. Additional Information: Per alert
  • Default Fee (Event), Amount: 25.00. Additional Information: When your savings account is overdrawn for 20 days, a Default fee will be debited from your account on the 20th day and a further Default fee debited each month thereafter while your account remains overdrawn.

 Limitations & Restrictions (Constraints)

  • Opening Balance of 1