DIY Super Account

 General Lending Rates

 Product Features

• Free Txns Allowance Additional Information: IMB's Member Transaction Allowance applies to offset transaction fees on this account.

• 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.

• Npp Enabled Additional Information: This account type is enabled for Osko payments, via the New Payments Platform (NPP). Osko is the faster way to pay or receive money from friends, family and businesses. No more waiting days for money to change hands. Now you can pay and be paid in a matter of seconds

• Bill Payment Additional Information: BPAY® is an electronic bill payment service, providing a convenient access point for the payment and receipt of consumer bills.

• Notifications Additional Information: IMB Alerts keep you up to date by sending you SMS or email alerts regarding your banking. Account Alerts help you keep track of your finances and Internet Banking Security Alerts to help keep you safe online. You can register for Alerts in Internet Banking.

• Other Additional Information: Direct debit is available on this account type.

• Other Additional Information: Direct Credit is available on this account type.

• Other Additional Information: Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking

• Other Additional Information: Make and receive Electronic Funds Transfers (EFT) from 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

• Other Additional Information: As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date

• Other Additional Information: PayTo is available on this account type.

 Product Eligibility

• Business Additional Information: Only available to Registered Self-Managed Superannuation Funds

 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.

• Phone Banking - Operator Assisted – Purchase Financial Institution Cheque (Withdrawal), Amount: 6.00. Additional Information: Per cheque

• Phone Banking - Operator Assisted – Cheque Bill Payments (Withdrawal), Amount: 6.00. Additional Information: Per cheque

• Phone Banking - Operator Assisted - All Other Financial Transactions (Transaction), Amount: 0.50. Additional Information: Excludes phone enquiry, Cheque withdrawal/cheque bill payment.

• Over The Counter - Cash Deposit (Deposit), Amount: 0.50.

• Over The Counter - Cheque Deposit (Deposit), Amount: 0.75. Additional Information: Fee applies to each account that a cheque is deposited into. If a cheque deposit is split across multiple accounts, the fee is applied to each account separately.

• Over The Counter - Branch Cash Withdrawal (Withdrawal), Amount: 1.00.

• Over The Counter - Transfer To An Imb Account (Withdrawal), Amount: 0.50.

• Over The Counter - Bpay (Withdrawal), Amount: 0.50.

• Over The Counter - Purchase Financial Institution Cheque (Withdrawal), Amount: 6.00. Additional Information: Per cheque

• Over The Counter - Cheque Bill Payments (Withdrawal), Amount: 6.00. Additional Information: Per cheque

• Over The Counter - Single Direct Credit To Another Financial Institution (Withdrawal), Amount: 0.50.

• Over The Counter - Scheduled Direct Credit To Another Financial Institution (Withdrawal), Amount: 0.50.

• Other Facilities - Direct Debit By Another Institution Or Entity (Withdrawal), Amount: 0.50.

• Other Facilities - Personal Cheque Withdrawal (Withdrawal), Amount: 1.00. Additional Information: Per cheque

• Other Facilities - Cheque Deposit (Deposit), Amount: 0.75. Additional Information: Fee applies to each account that a cheque is deposited into. If a cheque deposit is split across multiple accounts, the fee is applied to each account separately.

• Other Facilities - Scheduled Cheque Withdrawal (Withdrawal), Amount: 6.00. Additional Information: Per cheque

• Other Facilities - Scheduled Electronic Withdrawal (Withdrawal), Amount: 0.50.

• Australia Post - Bank@post Withdrawal Transaction (Withdrawal), Amount: 4.50. Additional Information: Service availablility is at the discretion of the Australia post outlet

• Australia Post - Bank@post Deposit, Enquiry & Failed Transactions (Transaction), Amount: 4.50. Additional Information: Service availablility is at the discretion of the Australia post outlet

• Bpay Payment Return (Event), Amount: 5.00.

• Rejected Post-dated Bpay (Event), Amount: 5.00.

• 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.

• Stop Payment Personal Cheque (Event), Amount: 15.00.

• Copy Of Personal Cheque (Event), Amount: 15.00.

• Trace On Personal Cheque (Event), Amount: 50.00. Additional Information: Charges either wholly or partly imposed by third parties.

• 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