Everyday Unlimited Kick Start Account

 General Lending Rates

 Product Features

• Card Access Additional Information: Visa Debit Card is not available to individuals under 15

• Additional Cards Additional Information: Account holders may hold both a Visa Debit and Cashcard per eligible 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: Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available.

• 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

• Digital Wallet Additional Information: Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.

• Digital Wallet Additional Information: Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.

• Digital Wallet Additional Information: Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.

• Digital Wallet Additional Information: Mobile payments are an easy and secure way to pay when you're on the go - using nothing but your phone or smartwatch. To get started, all you need to do is link your IMB Visa Debit Card with your preferred digital wallet.

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

 Product Eligibility

• Natural Person

• Min Age - 13.

• Max Age - 17 Years Or Up To 30 For Students And Apprentices.. Additional Information: 18-30 and able to provide documentatry evidence of current full-time or part -time student status at a school, TAFE, College or University OR a current apprenticeship/traineeship recognised by IMB at its absolue discretion.

• Other Additional Information: An individual that meets the eligibility criteria may only hold one Everyday Unlimited Kick Start Account

 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.

• Visa Debit Card - International Purchase (Purchase), Amount: 5.00. Additional Information: A transaction fee of the higher of $5 or 2.5% is charged for any international purchase made using a Visa Debit Card in: a) a currency other than $AUD (after conversion to $AUD); or b) $AUD (or any other currency) where either the merchant or the entity processing the transaction is located outside Australia. Note: it may not always be clear to you that the merchant or entity processing the transaction is located outside Australia.

• Visa Debit Card - Cash Advances (domestic & International) (Transaction), Amount: 5.00. Additional Information: A transaction fee of the higher of $5 or 2.5% is charged for any international purchase made using a Visa Debit Card in: a) a currency other than $AUD (after conversion to $AUD); or b) $AUD (or any other currency) where either the merchant or the entity processing the transaction is located outside Australia. Note: it may not always be clear to you that the merchant or entity processing the transaction is located outside Australia.

• Other Atm - International Atm (Transaction), Amount: 5.00. Additional Information: Direct charge as determined by ATM Operator may also apply

• 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.

• Card Replacement (in Excess Of 1 P.a.) (Event), Amount: 10.00.

• Pin Replacement (in Excess Of 1 P.a.) (Event), Amount: 5.00.

• Visa Voucher Request (Event), Amount: 15.00. Additional Information: Per request. Charges either wholly or partly imposed by third parties, such as Visa.

• Urgent Visa Card Mailing (Event), Amount: 20.00.

• Overseas Visa Card Replacement (Event), Amount: 150.00. 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. Everyday Unlimited and Everyday Unlimited Kick Start include 5 free SMS Alerts per month.

• 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