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Bendigo Business Accounts and Facilities. Terms

1. juo ase uo uv ed pue M H AYE xx 9 19 SE S AQ ST sner o pue y UlOl uuo2 1snuu jeaosdde o Joalqns lq lieAv Adde suonoisal 8v 1101110 JAULO 6 Ajuo 2 sHQ bpb u do aq isn lQEEAE juO juo 0 ajqeyiene uuooul AJL ON lqel ieAV lqelieAV lqel eAV lqelieAv lQEHEAV lQEHEAV ON lQEHEAV vv e lil195 1 MEAD AQ ON SO ON ON S A S A SOA SOA ON vseyeqay 1unooov uolnoesueul SOK S A ON ON SOK SOA SOA S A SOK vS 4 UOnoESUBLL lqel eAV ON ON ON ON aiqe leay lQELEAY ON aiqelleay U 7UCUC lQE EAV ON lQE EAV lQEIIEAV ON lQEIIEAV lQEIIEAV ON lQE EAV xp1eo A uol se3 lqel eAv ON lQElEAY lQE IPAV ON lQEIIEAV lQEIIEAV ON lQEIIEAV p129 1090 lq el eAV lqel ieAv lqelieAV lqel eAV lQEHEAV lQE EAV lq l eAV lqel eAvV lQEHEAV Ayjjoey nb y9 ss ulsng lqel eAv lqel eAv lqel eAv lq el eAv lQEIIEAV lQEIIEAV lQEIIEAV lQElEAY lQEIIEAV S SUB4I oludelS l l ON ON ON ON ON ON S A ON ON v894 JUNODOY S A S A S A SOA SOK SOK S K S A SOK sjuawAed o1yewo ny lQE EAV QE EAV lQE EAV lQE EAY lQE EAV lQE EAV qe ieAV lQE EAV lQE EAV s k AH S uo uv ed lQEHEAV lqel eAv lqel eAv lq el eAv lqel eAv
2. Aeq Auveq Aeq S919 U IIN IIN IIN IIN IIN ule uleN 0 9uejeg ulnulluliN T T T T T u do 0 ulnulluliy yooqsse i JO 149 1Ju uu9181S 1u ul9181S 1Ju uu91e1S 1u uu 9181S 1 9 10 YOOGSSEd junosoy MSN yunoosoy 9IA junoooy yuno55v no y 3snil o ipu q ysna uolNW o ipu g sna q uc4 Au0 8 ysna 10419110S o8 puag asnu e s3 bay o ipuog lQEL s n e 4 y 514 002 1snul ss ulsng o ipu g ainjee4 S leq M Junoooy uonoesue4l pue 5 S i Jo v 0 1 J H v Buiyueq 0 ss ooe ABU JI lqEllEAE ase uo uv ed pue AVdg xx YeAozdde o 1o qns Ajdde 5401211159 x ploup eo y Sul q old l p pululou v YUM 0 1401d 10 0U y JO weu y ul p u do aq 1snui 14 0006 1010996 y Woy p nl d l sagem JO uolluod paoyoes Auejes uey 19470 Silsod p yseo JO SJeMeJPUYIM USEO S EME PU M NIY ON 2 ploupieo ul 9T T SnE 0 9901 9 y Sul q olduu p eululou v yum JeAo dWa ouelnquie oliqnd pue sjeyidsoy 401d 10 0U ay JO aweU 34 l p u do aq 1snuu 11044 10 30U pue liqnd sOdH JUNODe ql sne o o S X M S oue nquie s nueu uonoulold UN e H sn e s ollqnd pue sjeyidsoy 4
3. failure to give you a bill other than because you failed to view an available bill failure to give you a bill on time other than because you failed to view an available bill on time give a bill to the wrong person and give a bill with incorrect details giving you a bill where you have unsuccessfully attempted to deregister from BPAY View business day means any day on which banks in Melbourne or Sydney are able to effect settlement through the Reserve Bank of Australia card means a Bendigo Blue debit card Bendigo Business Blue debit card Bendigo Easy Money card Bendigo Visa credit card Bendigo MasterCard credit card Community Sector Banking b packaged debit card or Community Sector Banking b entertained debit MasterCard issued to you or an additional cardholder by us cash advance means credit provided in the form of cash either directly from us or from another financial institution and credit provided through a Pay Anyone transaction a Bendigo Phone Banking transaction a Bendigo e banking transaction Community Sector Banking means Community Sector Banking Pty Ltd ABN 88 098 858 765 Office B Level 1 Wing CiC Central Squires Way North Wollongong NSW 2500 contactless transaction means the authorisation of a transaction by presenting a card which is capable of performing a contactless transaction at a contactless terminal without the requirement to insert or swipe the c
4. e tell us if your contact details including email address change 78 Paper bills and statements You may receive paper bills and statements from a BPAY View Biller instead of electronic bills and statements a if you request a BPAY View Biller to provide paper bills and statements a fee may be charged by the applicable BPAY View Biller for supplying the paper bill or statement to you if you ask for this in addition to the electronic form b if you de register from BPAY View c if the BPAY View Biller ceases to participate in the BPAY scheme d if we receive notification that your email mailbox is full so that you cannot receive any email notification of a bill or statement e if your email address is incorrect or cannot be found and or your email is returned to us undelivered f if we are aware that you are unable to gain access to your email or Bendigo e banking or a link to a bill or statement for any reason g if any function necessary to facilitate BPAY View malfunctions or is not available for any reason for an extended period 79 BPAY View billing errors 79 1 You agree that if a BPAY View billing error occurs a you must immediately upon becoming aware of the BPAY View billing error take all reasonable steps to minimise any loss or damage caused by the BPAY View billing error including contacting the applicable BPAY View Biller and obtaining a correct copy of the bill b the party who
5. What you have provides that extra security The third level of authentication is what you are biometrics fingerprints retina scans etc Secure Deposit Facility A secure option that enables you to deposit bulk cash and cheques via a sealed bag which is counted and reconciled at a later time Security token A device which generates a one time code for use as second level authentication in e banking Two models are currently available the Vasco Professional Security Token and the Vasco One Touch Security Token These authentication devices can be attached to your logon or to payment facilities single rate means the rate of interest that applied irrespective of the balance of your accounts stepped interest means that different rates of interest will apply to different portions of your account balance For example If the rate of interest is 0 05 p a on the part of the account balance that is less than 2 000 00 and 1 50 p a on the account balance that equals or exceeds 2 000 00 and Your account balance is 3 000 00 the rate of interest applying to your account will be 0 05 p a on 1 999 99 and 1 50 p a on the remainder terms and conditions means Sections A to P of this document the Schedule of Fees Charges and Transaction Rebates and the Schedule of Interest Rates for Business Accounts provided to you vvith this document tiered interest means you may earn different rates
6. financial institution it is that financial institution s responsibility to return the rejected credit item correctly to your nominated account i e re credit your nominated account The rejected credit item will normally be returned to your nominated account within 3 business days of the original processing day We do not advise you of the details of any rejections received from Data Files processed on your behalf bi Bendigo Business Accounts and Facilities 98 Bulk Electronic Clearing System 98 1 Bendigo Bulk Payments forms part of BECS and is subject to the regulations set by APCA In order to use Bendigo Bulk Payments you must comply with these regulations 98 2 As your Sponsor we are responsible for ensuring that you meet all requirements and regulations set by APCA We will advise you of any material changes that affect you 98 3 You must comply with any instruction issued by us on behalf of APCA You must hold sufficient cleared funds in your nominated account to cover the transactions contained within your Data Files We may decide not to make any payment if there are insufficient funds available for withdrawal in your nominated account to be debited on the processing date 98 4 You are responsible for the controls for data integrity duplication instruction extraction file transmission and delivery of Data Files You must ensure that all Data Files comply with the data specifications which we may notify to you
7. it and ensure that any additional cardholder also immediately signs his or her card A card may not be accepted unless it has been signed Your card is only valid for the period shown on it We will give a card to you by either mailing it to you by post or handing it to you or your authorised agent at one of our branches You may be required to produce suitable identification when collecting the card Once you or have received the card you are responsible for the security of the card We recommend against sending cards by ordinary post You must choose a password for your card We may ask you for this password at any time as further proof of your identity You may be required to produce suitable identification when using your card 42 Using your card A b packaged card must be linked to a Community Sector Banking b packaged Account A b packaged card can only be used to purchase goods and services from a merchant that accepts the b packaged card It cannot be used at ATMs EFTPOS terminals or Bank Post terminals to make cash withdrawals A b entertained card must be linked to a Community Sector Banking b entertained Account A b entertained card can only be used to purchase goods and services from a merchant that accepts the b entertained card A b entertained card uses merchant category blocking technology to restrict transactions that do not meet the definition of eligible meal entertainment under FBT legislation and ATO guid
8. 23 1 We can send money overseas for you in Australian or foreign currencies You can ask us to make an international telegraphic transfer to an overseas bank nominated by you We do not have to agree to your request You can also ask us to prepare a bank draft for the foreign currency amount for you to send overseas by mail 23 2 If you have received funds from overseas you can bring the foreign currency cheque or document into our nearest branch where our staff will be happy to convert the funds into Australian dollars and deposit the converted amount into your account You will not be able to draw against these funds until they have cleared We reserve the right not to accept any foreign currency cheque or document or accept it on a collection basis only 23 3 Fees and charges apply for the provision of these services Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates 24 Code of Banking Practice 24 1 Code of Banking Practice applies to the contract if you are an individual or small business If you are not an individual or small business then the Code of Banking Practice does not apply to this contract The Code of Banking Practice is a voluntary code of conduct which sets standards of good banking practice for us to follow when dealing with you You may obtain a copy of the Code of Banking Practice from any of our branches or by visiting our website at www bendigobank
9. lqel eAv lqel eAV lqel eAV lqel eAv N IA AVd8 AVd8 q e eAV lQE EAV lqe ieAV lQE EAV lQEIIEAV lQE EAV QE EAV lQEI EAV xS u w ed YING lQEIIEAV lqel eAv lqel eAv lq l eAv lqel eAv lQEIIEAV lQEIIEAV lQElEAY lQEIIEAV xSUlMUEq QE EAV lQE EAV lQE EAV lQE EAV lQE EPAV lQE IEAV lqe ieAV lQE EPAV xsulyueg uoud 120 W 120 Ww leo 1V 50 1V 122 W 122 W 120 1V 120 1V 22 W spuna wayeosay ON luluolW l uenO ON Aly UO m Aly UO 3s z ul ON 1s 1 1u pasaly lsuls ayey lsuls ON 189 posal ls l lu l p J ayey lsuls a ey lsuls d4L 1S 1 1u ON Aurea Aea Aea ON Aea Alea Aea Aea p ern reo 1s d ul IIN IIN IIN IIN IIN IIN IIN IIN IIN uleule 0 souejeg ulnulluliN T ON T T T T T T T u do o ulnulluliN 1 1 1 1 1 1 1 1u uu 1e1s 1yu uu l1e1s 1u uu 1e1s 1 u ui 1e1s 1 10 yooqssed Qill584 AELURAM SIMS sa unosoy qunosoy un099y junoo9y 3 su0 1214 yu ut s Au 9 291049 fou s ulq 10 099 yuno y suonnlo juoweseuey sseujsng aimea4 7 Turn ian osipueg oBipu g Mena 0BIDU98 ssauisng osipusg 1S9 osipueg osipuag lQEL s n e 4 Aay siuno5
10. 02 4255 8420 www communitysectorbanking com au Key Features The accounts to which this document applies have different features and some have restrictions You should select the account which most closely suits your needs Set out below is a summary of the main features of and restrictions applying to the accounts The accounts have been designed primarily for use by a business and can only be established primarily for business purposes The terms and conditions starting on page 12 explain the way in which these accounts operate Bendigo Business Accounts and Facilities EHensny JO pisino pis l OUM SJBLUO SND 02 QEHEAE JOU SI SIUL vv sayeqay 1unooov uonoesue4l pue s ieu s z Jo lnp vuos ay o s u v Az Ol Te S asnejo o UBO7 ss ulsng ofipueg 972 e 0 p yull J HUT YM sdno 9 Sunes do 1194 pue siauyed panoidde o S1 pIAO1d Aou g l u q uelensny panoidde o suol8l 1 p siusoo l pue SI00U9S suolesiuesio lqe1ueuo sqn 5 p esodiooulun 2 8 899 S IN V ABU N Jl 185900 aq juo se s 0 suonoesuen LY yueg oSipuag Z 6 YOURIG B BAY JOU OP M Jl 58 5 1no aq 1ouueo s uoueuq ul no pated aq ueo zey suonoesue1 T Sub uEq ogipuag 0 ss ooe ABU J
11. a keep your security token and PIN secure and protected b do not tell anyone your PIN c do not record your PIN anywhere in electronic or written form d do not select a PIN that is easily identified with you e g your date of birth your name or part of it or your phone number e do not select a PIN that is a common or easily guessed combination e g repeated or consecutive numbers such as 5555 or 1234 f do not provide your PIN or security token to any person including a family member or a friend g do not allow any unauthorised person to observe or hear your PIN You must a keep your security token in a safe place b check regularly that you have your security token in your possession 73 Cancellation of BPAY View 73 1 We may at our absolute discretion cancel your access to BPAY View at any time without notice to you Without limiting the circumstances in which we may cancel access we may cancel access if 79 2 a we believe either your security token or your PIN is being used or will be used in a way that will cause loss to you or us b you breach any of these terms and conditions c you do not use Bendigo e banking for six months or d the security or quality of the service is threatened If we cancel your access to BPAY View we will notify you as soon as possible 74 Nominating BPAY View Billers You must nominate the BPAY View Billers you wish to receive
12. ed QEHEAV QETEAY QEHEAV AVd8 29 Ayda lQE EAV lQE EAV lQE EAV xS u w ed ying lQE EAV lQEHEAV lQEIEAV xSUDlUEq lQEIEAV lQEHEAV uoyd k li 129 1V IO 1 spun Aly UO AUuolN Aly UO p p 1s 1 1ul lsuls ysoJa U p l lL 1S919 U Pal ad 3s l lul Aeq Aeq Aeq p yeinole 1s 1 1u IIN IIN IIN uleule 0 oue eg T T 000 s uado o UlnululiN 1u ui 1e1s 1u ui 1e1s 1u ui 1e1s 1u ui 1e1S 10 y oqsseq qunoody s Aps unuluo9 uno oy zu w geue N unos3y u w geueN ssouisng o pu q USE2 100U9 o lpu q lQEL sounjee4 y USE ssouisng osipueg 511 022 sues ss uisng osipueg sm Bendigo Business Accounts and Facilities play SI yooqssed e Jl ajqeyreae 102 s 1eq u 1unooov uonoesue14l pue sasiey s j JO lnp vos o v Buiyueq OsIpuag 0 ss oo aney NOA J lQEH EAE juo ase BUOAUY ed pue MAIA AYE xx o Joalqns lqelieAv Adde 540102 1150 x Apoq Aue Aq paenga you ase 181 spun sn Jo asn AIsniox snn ul A uoul uonu 81 91 p ou o mej Aq aye pue MSN u uu0Z 1589 18 JO n 8A e YUM syp ford Sulpilnq UO BUIYJOM S40 051u02 pe u Jo sn anisnjoxa s luouu 1811 51491 2 1194 10 5 2 UELO O1A p su oli Jo sn spuni SN1 10 N 8 S 1194 10 S30 121
13. hand the cheque to filling out the cheque for any amount you have not authorised or addressing the cheque to a person you have not authorised We will not be held liable for any cheques you have signed whilst they are blank nor will you be able to make a claim against us for the amount of the cheque 30 3 You must take all reasonable care to prevent fraud occurring in relation to your cheque facility 30 4 When filling out a cheque you should always write the amount of the cheque in words as well as figures as words are more difficult to alter You should a try not to leave any gaps between the words or figures as to prevent insertions b begin the amount in words with a capital letter as close as possible to the words The sum of and draw a line from the end of the amount in words to the printed c begin the amount in figures as close as possible to the printed d add the word only after the amount in words This can help to reduce the risk of fraud If you fail to take these simple precautions you may be held liable for any loss suffered and prevented from making a claim against us for any loss you may suffer Bendigo Business Accounts and Facilities 30 5 You should never write on or fill out a cheque with pencil or erasable ink 30 6 issuing of a cheque by you or an authorised signatory authorises us to debit your account with the amount of any cheque signed by you or an authorised signator
14. if the amount transferred is greater than the required amount contact the person or business to whom the funds were transferred to obtain a refund for the excess b if the amount transferred is less than the required amount you can simply make a further Pay Anyone Service transfer for the difference 90 Suspension of the Pay Anyone Service We may suspend your right to use the Pay Anyone Service at any time if you are suspected of acting in a fraudulent manner 91 Limit Reductions We may reduce your Pay Anyone daily limit if you do not use any or part of your limit over a period of time We will notify you in writing at least 20 days before taking such action 92 Cut off times 92 1 If you instruct us to transfer funds before the time specified below the transfer will be processed overnight on that business day Subject to the financial institution to whom the funds are being transferred the payment will in most cases settle on the next business day Cut off times Monday to Friday 7 00pm Victorian Time Saturday Sunday and Public Holidays processed next business day 92 2 Pay Anyone Service transfers may take longer to be credited if you tell us to make a Pay Anyone Service transfer on a Saturday Sunday or public holiday or if the financial institution does not process a payment as soon as they receive its details 93 Liability for mistaken payments unauthorised transactions and fraud 93 1 You must notif
15. 4 1 5 1 6 1 7 1 8 1 9 1 10 4 44 Bendigo Real Estate Trust Accounts have been 112 established to allovv real estate agents to comply with the various State Acts governing the conduct of Real Estate Agents amp Land Brokers Trust Accounts Online Read Only access to these accounts may be granted to a regulator if the regulator requests it for compliance purposes 113 Bendigo Solicitor Trust Accounts have been established to allow legal practitioners to comply with the various State Acts governing the conduct of Solicitors Trust Accounts Online Read Only access to these accounts may be granted to a regulator if the regulator requests it for compliance purposes 1 14 Bendigo Conveyancer Trust VIC Accounts have been established to allow licensed conveyancers to hold their clients trust monies The Bendigo Retention Money Trust NSW Account has been designed for the exclusive use of head contractors working on building projects with a value of at least 20m in NSW and are required by law to hold retention money in trust For a Bendigo Primary Producer Account you must provide us with proof that you are a primary producer when you open the account A Primary Producer is an individual who a carries on in Australia a primary production business but not as a trustee of a trust estate or b is a partner not being a company in a partnership that carries on in Australia a primary production busin
16. Protecting your security token and PIN 45 73 Cancellation of BPAY View 45 74 Nominating BPAY View Billers 45 75 Collection and disclosure of personal information 45 76 Notice of bills or statements 45 77 Your obligations 46 78 Paper bills and statements 46 79 BPAY View billing errors 46 Section L Automatic Payment 46 80 Types of Automatic Payment 46 81 Arranging an Automatic Payment 47 82 Timing of the Automatic Payment 47 83 Liability 47 Section M Pay Anyone Service 47 84 About the Pay Anyone Service 47 85 Registering deregistering for the Pay Anyone Service 48 86 Using the Pay Anyone Service 48 87 Security tokens 48 88 Payments 48 89 If a transfer amount is incorrect 49 90 Suspension of the Pay Anyone Service 49 91 Limit Reductions 49 92 Cut off times 49 93 Liability for mistaken payments unauthorised transactions and fraud 49 Bendigo Business Accounts and Facilities Terms and Conditions Section A Meaning of vvords ABA format means electronic direct entry data that complies vvith Australian Banking Association regulations stated in Bulk Electronic Clearing System BECS as governed by Australian Payment Clearing Association APCA This is an agreed file format for electronic transactions processed through BECS by all participating Australian financial institutions access method means any method vve make avallable to you or an additional cardholder to give us authority to act on instructi
17. a b packaged card or b entertained Card from any overseas ATM bearing the MasterCard symbol If your card is branded Visa you can access your funds from your primary demand deposit using your Bendigo Business Blue except if it is a b packaged card or b entertained Card from any overseas ATM bearing the Visa or PLUS symbol You can use your Bendigo Visa credit card to withdraw from your primary revolving credit account or your secondary demand deposit account if linked at any ATM overseas bearing the Visa or PLUS symbol that allows you to select this option 42 13 42 14 You can use your Bendigo MasterCard credit card to withdraw from your primary revolving credit account or your secondary demand deposit account if linked at any ATM overseas bearing the MasterCard CIRRUS or MAESTRO symbol that allows you to select this option You should phone us on 1300 BENDIGO 1300 236 344 or your local branch before travelling for information on use of your card overseas For Community Sector Banking phone 1300 CSBANK 1300 272 265 Within Australia and outside Australia 42 15 You can use your card to purchase goods or services Other 42 16 42 17 42 18 via mail order by telephone or by other means such as the Internet where the merchant accepts that form of payment The fact that any promotional material is displayed at premises does not mean that we guarantee that all goods and services available there may be ob
18. a cardholder This includes any unauthorised telephone Internet mail orders or any other unauthorised transactions on your account b General dispute a transaction which you wish to dispute This may include a transaction which has been processed to your account more than once or a transaction which was authorised by the use of your card or account which you wish to dispute Despite notifying us of a disputed transaction you remain liable for any purchase made by a cardholder or any person authorised by a cardholder 58 3 58 4 58 5 58 6 58 7 58 8 Visa and MasterCard have a dispute resolution process that is contained in the operating rules of the card scheme This process sets out the specific circumstances and timeframes in which a member of the scheme e g a bank can claim a refund in connection with a disputed transaction on a cardholder s behalf This is refered to as a chargeback right We will claim a chargeback right where one exists and you have disputed the transaction within the required time frame We will claim the chargeback for the most appropriate reason Our ability to investigate any disputed transaction on your account and subsequently process a chargeback is restricted by the time limits imposed under the operating rules of the card scheme The timeframes for us to process a chargeback where a chargeback right exists vary between 45 days and 120 days depending on the type of t
19. aouRejeg wnwuUIN 000 00S T T T T u do o ulnullu W 1u uui 1e1s 1u ui 1e1s 1u uu 1e1s 1u uu 1e1s 1u ui 1e1s 1u uu 1el1s 1 1 10 yooqssed yunoooy yunoooy ullu0 s piing Ayoedeg yunoooy p uie1i u q qunoooy p Sey ed q aunqea isod q uns aul 2120 puny YIN Suyueg uipei u ui geuelW yseg e094 Sulyueg 4039 AyUNWWOD Sube q soda uyun A EE 001 SATIN Suplueg 40 93s Qiunuttuo9 Supbiueg 40 23s lQEL sainyeay y siuno55v Sulyueg 4029 S QiunuluuoO Bendigo Business Accounts and Facilities Terms and Conditions Table of contents Section A Meaning of vvords 9 Section B General terms and conditions 12 1 Opening and holding an account 12 2 Identification 14 3 Payment Facilities 15 4 Deposits and Withdrawals 15 5 Interest 17 6 Fees and charges 18 7 Transaction processing 19 8 Bank cheques 19 9 Overdrawn accounts 19 10 Account combination 20 11 Statements and confirmation of transactions 20 12 Receipts and vouchers 20 13 Joint accounts 20 14 Authorised signatories and operating instructions 21 15 Cancelling a payment facility 22 16 Stopping or Closing your account 23 17 Dormant accounts 24 18 Changes 24 19 VVitholding Tax and GST 25 20 Privacy 25 21 If you have a concern or complaint 25 22 lf you have
20. as such an organisation overdraft facility means a line of credit we supply to you for working capital purposes Separate terms and conditions will apply to an overdraft facility password means the word or numbers and or letters nominated by you that may be required for identification purposes in order to access your account or to access Bendigo e banking Pay Anyone conditions means the terms and conditions applying to Pay Anyone Service as set out in Section M of this document Bendigo Business Accounts and Facilities payment facility means each of the follovving services offered by us Bendigo Phone Banking Bendigo e banking Bendigo Business Blue debit card Blue debit card Bendigo Easy Money card Bendigo MasterCard credit card but only to the extent that the card is used to access any of the accounts to which this document applies Community Sector Banking b packaged debit card Community Sector Banking b entertained debit card Business Cheque Facility Pay Anyone Service BPAY amp BPAY View Bendigo Bulk Payments Automatic Payments Direct Debits Periodical Payments and sweep facilities Telegraphic Transfers per annum means amount per year PIN means the Personal Identification Number issued by us or selected by you or additional cardholder to use in conjunction with a card to access Bendigo Phone Banking or Bendigo e banking or to use in conjunction with a secur
21. below Terms and Conditions All deposits are subject to verification and correction Third Party cheques will not be processed to your account and will be returned to you The Secure Deposit Facility is opened by two bank officers If there is a discrepancy between the amount of funds enclosed and the amount written on the deposit voucher we will accept the amount in the envelope as the amount of the deposit 4 10 Non compliance with any of these Terms and Conditions may result in the deposit not being processed Deposits made using an ATM 4 6 4 7 4 8 VVhen you make a deposit to your account at one of our ATMs two bank officers open the ATM the next business day and compare the amount you placed in the envelope with the amount you entered in the ATM If there is a difference between these two amounts we will accept the amount in the envelope as the amount deposited 4 11 We will not accept coins for deposit A deposit at an ATM is at your risk until the deposit is completed in accordance with the procedures indicated by the ATM 4 12 Withdrawals 4 9 You may make withdrawals in a number of ways including 4 13 a at any of our branches other than a b packaged account or b entertained account b if your account is linked to a card other than b li a b packaged debit card or b entertained debit card at any ATM via EFTPOS terminals ata Post Office using Bank Post 4 15 whe
22. bill or statement then that bill or statement is received by you a when we receive confirmation that your server has received the email notification whether or not you choose to access your email and 46 Bendigo Business Accounts and Facilities b at the email address nominated by you 76 3 If you receive notification of a bill or a statement via a message when you log on to Bendigo e banking i e without an email then that bill or statement is received by you a when the notification is available through Bendigo e banking whether or not you choose to access Bendigo e banking and b at Bendigo e banking 76 4 Bills and statements delivered to you will remain accessible through Bendigo e banking for the period determined by the BPAY View Biller up to a maximum of 18 months If you do not use Bendigo e banking for six months we may determine that you are not actively using BPAY View and may delete all bills and statements at any time after making that determination 77 Your obligations You must a contact the BPAY View Biller direct if you have any queries in relation to bills or statements b check your emails or log on to Bendigo e banking at least once a week c tell us if you are unable to gain access to your email or Bendigo e banking or a link to a bill or statement for any reason d ensure your mailbox can receive email notifications e g it has sufficient storage space available and
23. bills and statements from and that you are entitled to receive that bill or statement You can delete a BPAY View Biller from your list of nominated BPAY View Billers at any time Deletion is effective immediately and the Biller will be notified 75 Collection and disclosure of personal information 1 15 2 You authorise us to disclose to the BPAY View Billers nominated by you a such of your personal information for example your name email address and the fact that you are our customer as is necessary to enable BPAY View Billers to verify that you can receive bills and statements electronically using BPAY View or telling them if you cease to do so and b that an event referred to in clauses 78 b 78 c 78 d 78 e 78 f or 78 g has occurred You authorise us or a nominated BPAY View Biller as appropriate to collect data about whether you access your emails Bendigo e banking and any link to a bill or statement 76 Notice of bills or statements 716 1 16 2 If you register for access to BPAY View you will receive bills and statements electronically and you agree that this satisfies the legal obligations if any of a BPAY View Biller to give you bills and statements For the purpose of this clause we act as the agent for each BPAY View Biller nominated by you in providing the message or e mail containing or linking to the bill or statement If you receive a Secure Email notifying you that you have a
24. can phone 1300 BENDIGO 1300 236 344 to register for the Pay Anyone Service On registration you will be required to set a daily Pay Anyone limit You can only register on the phone for a daily Pay Anyone limit up to 30 000 For limits in excess of 30 000 you will be required to complete an application form at your local branch You may disable or deregister your access or the access of your authorised user to the Pay Anyone Service by phoning 1300 BENDIGO 1300 236 344 or by calling 1800 035 383 outside Customer Contact and Care business hours of operation Your authorised user may disable or deregister their access at any time vvithout your consent 86 Using the Pay Anyone Service 86 1 86 2 86 3 86 4 VVhen you tell us to make a Pay Anyone Service transfer you must provide us with the following information a the account from which you want us to debit the Pay Anyone Service transfer b the correct account number of the person or business to whom you wish to transfer funds c the correct BSB number of the financial institution at which the account to whom you wish to transfer funds is held d the amount of the Pay Anyone Service transfer e reference number You acknowledge and accept that we are not obliged to effect a Pay Anyone Service transfer if you do not give us all of the above information or if any of the information is inaccurate You authorise us to debit the nominated account
25. caused the BPAY View billing error is responsible for correcting it and paying any charges or interest which would ordinarily be payable to the applicable BPAY View Biller due to any consequential late payment and as a result of the billing error 79 2 You agree that for the purpose of this clause you are responsible for a BPAY View billing error if the BPAY View billing error occurs as a result of an act or omission by you or the malfunction failure or incompatibility of any internet enabled device you are using at any time to participate in BPAY View Section L Automatic Payment This section applies if you arrange for automatic payments to be made out of your account Automatic payments are not available on all accounts The Key Features Tables starting on page 3 indicate the accounts for which they are available 80 Types of Automatic Payment If you give us authority we can have regular payments made automatically out of your account on pre set dates advised by you This type of payment is called a periodical payment direct debit or sweep facility The difference between these payment methods is a we make periodical payments from your account to another account with us or with another financial institution or to a third party To do this we need you to Call into one of our branches to give us your instructions b a company organisation or fund sends direct debits to your account according to an authority whi
26. changed your name or address or your circumstances change 27 23 If you need to send money overseas or have received funds from overseas 27 24 Code of Banking Practice 27 25 Financial Claims Scheme 27 26 Anti Money Laundering and Counter Terrorism Financing AML CTF 28 27 Liability 28 28 Other 28 Section C Cheque Facility 29 29 Availability of the cheque facility 29 30 Issuing and Writing Cheques 29 31 What is the effect of crossing a cheque 30 32 What is the meaning of Not Negotiable 30 33 What is the meaning of account payee only 30 34 What is the significance of deleting or bearer 30 35 Stopping your Cheque 30 36 Dishonouring Cheques 30 37 Lost or Stolen Cheques and Cheque Books l 38 Liability s Section D Bendigo Business CommunitySaver Account 31 Section E Passbooks 32 39 About your passbook 32 40 Security of your passbook 32 Section F Cards 32 41 Your card 32 42 Using your card 33 43 Card transactions 34 44 Additional cards 35 45 Foreign currency transactions 35 Section G Bendigo Phone Banking and Bendigo e banking 35 46 Applying for Bendigo Phone Banking or Bendigo e banking 35 47 Access numbers Passwords and PINS 35 48 Services available using Bendigo Phone Banking and Bendigo e banking 36 49 Equipment 36 50 Authorised users 36 51 Access Sf 52 Exiting Bendigo e ba
27. com au 24 2 The Code of Banking Practice requires us to draw your attention to the availability of general descriptive information concerning our banking services This includes information about account opening procedures our obligations regarding the confidentiality of your information complaint handling procedures bank cheques the advisability of you informing us promptly when you are in financial difficulty so that we may discuss your situation and the advisability of you reading the terms and conditions applying to this banking service 24 3 You should inform us promptly if you are in financial difficulty so that we may discuss your situation If you are not a resident of Australia then the above clause 24 does not apply We are not bound by the Code of Banking Practice in relation to your account 25 Financial Claims Scheme The Financial Claims Scheme protects depositors through the provision of a guarantee on deposits up to a cap held in authorised deposit taking institutions ADI s in Australia and allows quick access to their deposits if an ADI becomes insolvent 28 Bendigo Business Accounts and Facilities As such please note the follovving information you may be entitled to a payment under the Financial Claims Scheme in the event of us becoming insolvent accessibility to the Financial Claims Scheme is subiect to eligibility criteria and information about the Financial Claims Scheme can be found at
28. daily newspaper or at such other frequency as published by the overseas local major newspaper as applicable or in any other way permitted by law 25 Bendigo Business Accounts and Facilities 18 4 If a Government charge payable directly or indirectly by you is introduced or varied we will notify you by advertisement in the national media or local media or in writing unless the introduction or variation is published by the Government 19 Witholding Tax and GST 19 1 When you open an account with us you have the option of supplying us with your Tax File Number or if applicable your Australian Business Number If you don t we are required by law to deduct withholding tax from your interest at the highest marginal rate plus the Medicare Levy and forward it to the Australian Taxation Office 19 2 Similar requirements also apply to joint accounts where one or more of the account holders have not supplied their Tax File Number or if applicable their Australian Business Number or relevant exemption Providing your Tax File Number is NOT compulsory but is advisable 19 3 If you are entitled to an exemption in relation to this tax you should advise us of your type of exemption and provide any supporting documentation we may require 19 4 If you have a Community Sector Banking b packaged debit card or Community Sector Banking b entertained debit card Community Sector Banking offer an optional service for GST Reporting Com
29. daily percentage rate is the relevant interest rate divided by 365 or in a leap year 366 bur The type of account you have will determine when interest is credited The Key Features Tables starting on page 3 set out when interest is credited Bendigo Business CommunitySaver Account 5 8 You have four options in relation to the interest payable by us on your account being a 10 of the interest payable by us on your account will be credited to the recipient you choose from our list in which case the remaining 90 will be credited to your account b You can elect to have 25 of the interest payable by us on your account credited to the recipient you choose from our list in which case the remaining 75 will be credited to your account c You can elect to have 50 of the interest payable by us on your account credited to the recipient you choose from our list in which case the remaining 50 will be credited to your account d You can elect to have 100 of the interest payable by us on your account credited to the recipient you choose from our list in which case you will not receive any of the interest earned on your account 5 9 credit interest monthly at the times set out in the Key Features Table on page 4 5 10 t is your responsibility to include the interest earned on your tax return each financial year 5 11 All financial transactions referenced as donation on your quarterly statement may be in
30. dishonour fee of 40 00 7 Transaction processing Tal iz VVe may assign any date vve consider appropriate to a debit or credit to your account except that in the case of a debit the date must not be earlier than the date on which the relevant transaction occurs However we will credit amounts to your account as soon as practicable after we receive them This is not necessarily the same day that you deposit the amount For example where you make a deposit via an ATM after 5pm Victorian time that deposit may be held over and not processed until the next day that 9 2 we are open for business We give effect to the debit or credit based upon the date assigned to it by us 9 1 We may subsequently adjust debits and credits to your account so as to accurately reflect the legal obligations of you and us for example because of an error or because a cheque is dishonoured If we do this we may make consequential changes including to interest charges For example If a payment or deposit is made into your account in error we may withdraw that payment or deposit from your account without your consent including any interest paid into your account on that payment or deposit f you have spent those funds you will be required to repay them or your account may be overdrawn 8 Bank cheques 8 1 We can issue you with a cheque drawn on us instead of you writing a personal cheque from your account This is known as a bank c
31. from offer without notice We may place a stop on your account if a you are in breach of any of the terms and conditions b you have not provided us with information that we have asked you to provide c we received notice of your mental incapacity bankruptcy insolvency or death d we became aware of any dispute which in our reasonable opinion has a bearing on the account If we place a stop on your account you or anyone else will not be able to make any withdrawal transactions on the account Credit transactions will still be allowed unless you specifically request credit transactions be stopped also We are not liable for any loss or damage arising from placing a stop on your account If we receive notice of a dispute from a third party who has a beneficial interest in the funds held in the account we may at our discretion freeze the account until the dispute has been resolved 24 Bendigo Business Accounts and Facilities 17 Dormant accounts 18 Changes 17 1 If you do not operate your account for 7 years and 18 1 there is 500 or more in your account vve may be required by lavv to send the balance of your account to the Commonvvealth Government as unclaimed money VVe may change these terms and conditions at our absolute discretion at any time f any lavv regulates that change we will only make the change to the extent permitted by and subiect to the requirements of that law 17 2 If you do n
32. in writing 98 5 You warrant as to the authenticity and accuracy of all materials and information in your Data Files It is your responsibility to ensure that all information contained in your Data Files is correct We are not required at any time to verify or check or be held liable as a result the amount of the actual transactions in your Data Files 98 6 You must be able to reconstruct your Data Files which may become corrupted Where Data Files are corrupted we may request you to supply a duplicate of the Data Files and to deliver a reconstruction of the Data Files to any nominated place 99 Liability The indemnity and liability provisions contained in this section apply in their entirety as if the words Pay Anyone were replaced by the words Bendigo Bulk Payments If you did not receive the Schedule of Fees Charges and Transaction Account Rebates or the Schedule of Interest Rates for Business Accounts with this document please contact your nearest branch or phone 1300 BENDIGO 1300 236 344 to arrange for them to be sent to you For Community Sector Banking phone 1300 CSBANK 1300 272 265 52 Bendigo Business Accounts and Facilities This page has been intentionally left blank Contact us n person At your nearest Bendigo Bank branch On the phone Call 1300 BENDIGO Online At bendigobank com au By mail The Bendigo Centre PO Box 480 Bendigo VIC 3552 This document must be read in conjunction with S
33. of unavailability of all these contact points as long as you notify us within a reasonable time of a contact point becoming available 57 4 When you report the loss theft or unauthorised use of your card PIN or password you will be given a notification number which you should retain as evidence of the date and time of your report 57 5 You should confirm any verbal notification in writing or at one of our branches as soon as possible 57 6 If you find your card after reporting it lost or stolen do not attempt to use it Cut it up and return it to us We cancel all cards reported lost or stolen 57 7 You can arrange for an emergency replacement card except in the case of a Bendigo Easy Money card if required at the time of reporting your card lost or stolen 58 Your Liability Non PIN generated transactions 58 1 You are not liable for any transactions performed without your permission unless you have contributed to the loss by a letting someone else use your card or b unreasonable delay in notifying us of the loss theft or unauthorised use of your card If you did either of these things we may hold you liable for all transactions carried out using your card up to the time you notify us of the loss theft or unauthorised use of your card 58 2 A disputed transaction may include a An unauthorised transaction a transaction which you believe was not authorised by use of the card or account by
34. or access number without making any reasonable attempt to protect the security of the records on the one article or on several articles so that they are liable to loss or theft simultaneously e where we permit you or an additional cardholder to select or change a PIN password and or access number by selecting numbers which represent the user s or cardholder s birth date or letters which are a recognisable part of their names if immediately before this was done we specifically warned you not to do so and that you might incur liability by doing so f by acting with extreme carelessness in failing to protect the security of the PIN password and or access number g where the ePayments Code requires that the recording or voluntary disclosure of one or more but not all of the codes forming part of the access method was the dominating contributing cause of the loss h by leaving a card in an ATM which incorporates reasonable safety standards that mitigate the risk of a card being left in the ATM In these cases you will be liable for the actual losses which happen before you or an additional cardholder notified us that the card had been misused lost or stolen or that the security of a PIN or password forming part of the access method has been breached but you will not be liable for any of the following amounts 42 Bendigo Business Accounts and Facilities 60 4 60 5 a that portion of the losses incurre
35. pay interest at the rate and to the person to whom we are required to pay the interest by the legislation which governs the account Interest rates 5 3 The type of account you have will determine the type of interest An account may have tiered interest or stepped interest in which case more than one interest rate may apply or a single rate of interest that applies irrespective of the balance of your account The type of account you have vill determine the type of interest Please refer to the Key Features Tables starting on page 3 to find out what type of interest your account has 5 4 We may change the interest rate from time to time at our discretion This means that the interest rate may increase or decrease If any law regulates such a change we will only make the change to the extent permitted by and subject to the requirements of that law 5 5 Our current interest rates are set out in the Schedule of Interest Rates for Business Accounts You can find out our current interest rates at any time by contacting one of our branches phoning 1300 BENDIGO 1300 236 344 or by visiting our website at www bendigobank com au For Community Sector Banking phone 1300 CSBANK 1300 272 265 or visit the Community Sector Banking website at www communitysectorbanking com au Calculation and crediting of interest 5 6 We calculate interest by applying the daily percentage rate to the balance of your account at the end of each day The
36. to accept instructions from you c any failure of an access number or PIN or password to permit you to access Bendigo Phone Banking or Bendigo e banking 38 Bendigo Business Accounts and Facilities 54 2 d disclosure of information relating to your accounts through Bendigo Phone Banking or Bendigo e banking where the information has been obtained by or in coniunction vvith any person using your PIN or passvvord or access number or e any unauthorised access to your information transmitted by us through Bendigo Phone Banking or Bendigo e banking in relation to a nominated account f any failure of an authentication key to permit you to access Bendigo e banking You acknowledge and accept that Bendigo Phone Banking and Bendigo e banking may only shovv transactions and balances current as at the previous business day 55 Liability 55 1 55 2 55 3 55 4 55 5 You will be liable for all transactions on your account carried out by using an access number password or PIN You authorise us to debit all such transactions to your account Except as set out in this clause 55 neither we nor Community Sector Banking will be liable for any loss or damage you suffer as a result of using Bendigo Phone Banking or Bendigo e banking You indemnify us against any loss or damage vve or Community Sector Banking may suffer due to any claims suits demands or action of any kind brought against us arising directl
37. you want to do this you must notify us in writing If you are a company body corporate club or association we may require the revocation of authorisation or change of operating instructions to be under common seal or authenticated by minutes of a resolution of your director or governing body You must also return to us any card cut in half for your protection or cheque book that we have issued to that person You remain responsible for all transactions made using an additional card or cheque book until they are returned to us or you have taken all reasonable steps to return them to us 15 2 We are entitled to act on instructions given by your authorised signatories in accordance with your operating instructions and within the guidelines of the non titled member type unless the authorised signatory is an authorised user who can only access but not operate your account in which case we will only act on the instructions of that person in so far as they relate to accessing your account We are not required to make any inquiries in relation to any instructions received by an authorised signatory in relation to the operation of your account Subject to Section J BPAY Section M Pay Anyone Service and Section N Bendigo Bulk Payments you are wholly liable for any loss or damage you or a third party suffers as a result of us acting upon those instructions 15 3 15 4 These terms and conditions other than this clause 14 apply to t
38. 01d 10 0u pue olland S9dH Idd uonmnsul 1u loA u g llana SANVEYD uonoulold e H SNIS igd uonninsul UUM SUOHES UES10 0 Auo JUA OABUAG ollqnd YLM SUOIeSIUESIO o juo T G snel 0 wiuonepunoj asudiaquy Qiunuluuoo y o 1unoooe Jno uo pauses 1s J lui 490 Juaidisay Subyueg 10 99S AWUNWIWWOD y JO Jey JO Ile ABU YIN lqn np q TT T snel o 1 J H V 1022 S Qlunuuuuoo y ueo UM suonesiuegio 1029 S y UlUlM SUONes UeBIO yod s d luiuno Ile 020 UlUHAM suonesiue8lo yoid JOJ 0U 0 lqe ieAe JuO Jo y NOA ajqeyiene Auo oou 0 jqejere juo 2VT sne o o 1010206 siy uonoun uoo ul pl u aq 1snui qunoooy Suiped 1u uu 8euelW useo TTT sne o o snyeys xe en 16 Bendigo Business Accounts and Facilities ON ON ON lQE EAV ON ON x AY INC4 YWEIPIBAQ ON SO lQE EAV S K ON ON vS eq HM 1unooov uonoesue4ul v8 4 1u ui 1e1s ON ON ON ON S K SOA jenuuy sjyoueg ON ON ON ON S K SOA v 4 Sunuod d 190 ON S K SOA S K ON ON v S uonoesueul a 3uno22E ay 0 Ped 1ID 15 ON ON ON lQEHEAV ON ON pueosajsey 10 esia O8IDu g yun
39. 10S JO SN 9 spunj SN1 44o me s 1194 10 S19401g pue pue siuesy 1e1s3 jeay Jo asn y 40 SI JUNODP SIUL y 40 SI JUNODD 5141 AISTI X OU 10 51 JUNODOe 511 y 104 SI JUNODOe 9141 y 104 SI JUNODR SIUL en ON ON ON ON ON YEIPIOAO S K ON ON ON ON yseveqey 1uno oy uonoesue4Jl SOA SOA SO SOK S A v S uoloesuell on on on on on ON ON ON o ON ouo se3 ON o ON ON ON xp1eo 1q q QE EPAV lQE EAV QE EAV QE EPAV Aqloe4 nb u ss ulsng qe eAV lqe ieAV q e eAV lqe ieAV q e ieAV si Jsue4ul Oludei8 l ON o ON ON ON v894 1uno55v S A ON ON ON ON sjueuAed onewoiny lQE EPAV lQE EAV lQE EAV lQE EAV lQE PAV 90 aUOKUY ed lqelieAV o lQEHEAV lQEHEAV lqelieAV M IA AVd8 AVE q e IeAV qe ieAV qe ieAV qe ieAV lQE EAV xS u w ed ying qe eAV lqe ieAV q e eAV lqe ieAV lq e eAV x sulyueg o lQE IEAV lqe ieAV lQE EAV lqe ieAV lqe eAV xsulyueg uoud 129 1 22 1 129 1 kD 1 129 1 spun4 2 Auo AlunuolN p np i 3s l lul s l mu Poel yeH lsuls lsuls 91ey lsuls eu lsuls adh 1s 1 1ul Aeq
40. 2 51 3 51 4 51 5 You will only have access to accounts where a you are an Australian resident If you are an overseas customer residing outside of Australia you may have access to account s even if you are not an Australian resident provided Bendigo Bank has an agency arrangement with your country of residence b the accounts you seek to access using Bendigo Phone Banking or Bendigo e banking are Bendigo Bank or Community Sector Banking accounts c you are registered with us as the registered account holder or signatory or have the authority as an authorised user or the registered account holder to access or conduct transactions on the accounts d we have received no notification or we are unaware that the nominated account is under any dispute of any kind with any other party or entity e we have received no notification or we are unaware that an application for bankruptcy or liquidation has been filed either by you or issued or lodged by another person or entity We offer security tokens as part of our e banking access a we recommend the purchase of a security token to ensure the most secure form of access b we may at our discretion insist you obtain and use a security token Your internet banking access may be limited or suspended in circumstances where you refuse to obtain and use a security token We will make reasonable efforts to ensure the availability of Bendigo Phone Banking and
41. 5v uonoesuei ss uisng Osipusg Bendigo Business Accounts and Facilities S yeq M unoooy pue s ieu s j JO lnp u5S 2U o s y Suplueq o ipu q o ss E ney Jl AjUO ave uo uv ed pue M H Avda yeaosdde o yoalqns sjqejleay Adde suon lns l V CTS 01 8 9 snel 0 suonesiue8lo 0 2 Jo 151 INO WOJ 2 l s Jauyed y o n lip p np l aq IIIM OOT 40 960G 2642 OT 1s J 1lu ino JO uohuod v uluoui Jad sjemespyym YoURIq Ul Z pue suon esuen Sulyueq suatesiapuly JO SjoOYoS aid qu uu 8eusgui Jo s niuuuioo JO s lpoq p seq 00405 Sal ISJAAIUN 10 s S lloo BAlId JO ollqnd sjooyos 0 QE EAE en le19u o ON lqelieAV lqel eAV Il1984 S A S A ON vS leq M Junosoy uonoesuel S K v S z UOHOESUBAL ON ON lQEHEAV sdunooop y 01 pled 1ID 49 p4EO 4 1SB N JO ESIA OSIPUSG yu ON lqel eAv lq e eAV peo Auo se3 oN lqel eAv lqel eAV xp1e9 1iq q ON lQEHEAV lQEHEAV Aloe4 anbayg ssauisng lQE EAV lQE EAV lQE EAV si Jsueu o1ydessajay ON ON ON v 1uno5oV S K SOK sjuawAed lQE EAV lQEHEAV lQEIEAV s s AH S auohuy
42. Bendigo e banking during the hours we have specified from time to time and ensure that information we make available to you through Bendigo Phone Banking and Bendigo e banking is correct We may block access to Bendigo Phone Banking or Bendigo e banking at any time without notice if we believe either service is being misused by you or used without your authority Where your access has been blocked due to fraudulent activity you will be required to purchase a security token firewall software and anti virus software update your operating system and provide proof of the same on your internet enabled device before access will be re instated 51 6 51 7 51 8 VVe may vvithdravv electronic access to your account without prior notice to you in the event of any Bendigo Bank equipment or Bendigo Bank system malfunction VVe can remove your electronic access vvithout giving you notice where you have not accessed the e banking system for at least 6 months or Phone Banking for at least 12 months f you give us notice to cancel your access or your authorised user s access you remain bound by these terms and conditions which may apply notvvithstanding that your access or your authorised user s access has been cancelled 52 Exiting Bendigo e banking f you use Bendigo e banking you must click on the log off button when you have finished using the service This is particularly important in a vvork environment or another environ
43. Bendigo Business Accounts and Facilities Terms 6 Conditions 26 November 2015 Bendigo Bank Bendigo Business Accounts and Facilities About this document This document must be read in coniunction vvith the Schedule of Fees Charges and Transaction Account Rebates and Schedule of Interest Rates for Business Accounts You should read this document the Schedule of Fees Charges and Transaction Account Rebates and the Schedule of Interest Rates carefully before acquiring any of the products to which this applies This document contains terms and conditions which apply to the following Bendigo Transaction Accounts Bendigo Business Account Bendigo GST Management Account Bendigo Business Solutions Account Bendigo Primary Producer Account Bendigo Club Account Bendigo Emergency Services Account Bendigo Community Choice Partners Account Bendigo Business Investment Facility Bendigo Business Flexi Offset Account Bendigo Savings Accounts Bendigo Business Cash Management Account Bendigo School Cash Management Account Bendigo Business CommunitySaver Account Bendigo Trust Accounts Bendigo Real Estate Trust Account Bendigo Solicitors Trust Account Bendigo Conveyancer Trust VIC Account Bendigo Retention Money Trust NSW Account Bendigo Trust Account Community Sector Banking Accounts Community Sector Banking b packaged Account Community Sector Banking b entertained Account Community Sector Banking Cash Management Trading A
44. ON ON ON lqe eAV ON ON se3 pued 1490 ON ON ON S K ON HEQA TSEN 1iq p p ulezl u q ON ON ON ON SOA xpegasen q p p seyoed q ON lQEHEAV lQEHEAV ON ON anbayo ss u sng ON ON alqelleay alqe leay ON ON sJajsued ol d S l L ON ON ON ON S K SOA v9e4 1uno5oV ON S K SOA S K ON SOA sjuawAeg olewoyny ON lqel ieAv lqe eAV lqe ieAV ON ON ek VMM S uo uv ed ON ON lQEHEAV lQETEAV ON ON sk M lA AVd8 Avda ON ON lQEHEAV lQEHEAV ON ON xS u wAed yng QT T sner 0 Jajay Junoy Supe Juawaseuey useo sulyueg 40 9 S AyUNWIWOD e WO JO 0 5 Buuu JSue11 Ajuo Auolsiu UonoESsUB n s oueleq Ajuo AJoysiy uonoesuen 0 p lns M lqEEAV lQE EAV lQEHEAY lQEHEAV 1unoooe M HA 55900 15 72 s oue q 1uno22e M H 55900 p ls M x 3ulyuEeq LOTT snel o 0 unoooy Jusweseuew yseg sulyueg 4o s Qiunululioo e JO 0 Spun S8uuu JSue1 0 p u s M lqelleAy lqel eAV lqe eAV lqel ieAv ON ON xSUlMuEg uoud 122 1 Wo Ww Wea 1 Wed Ww Wed Ww Wed 1V AlllqeeAy spun4 000 1ST yy Ady 1ST 190 3ST 9 1dy 1ST Auo Aly Uo Ajuuo AeA MEH AHE A HEH 3s l lul 1s l lul p L 24 lsuls ysaJ9 U ysoua u posal ajey lsuls 1eu lsuls d I 3S l lul Aired Aea Alea Aea Alea p lelnol eo 1s 1 1ul I IIN IIN IIN IIN ulejuley 0
45. PAY payment including your customer reference number and such information as we reasonably require to investigate the BPAY payment We are not obliged to investigate or rectify any BPAY payment if you do not give us this consent If you do not give us that consent the biller may not be permitted under law to disclose to us information we need to investigate or rectify that BPAY payment 68 9 We are not liable for any consequential loss or damage you suffer as a result of using the BPAY scheme other than any loss or damage which is due to our negligence or breach of any condition or warranty implied by law which cannot be excluded restricted or modified at all or only to a limited extent Section K BPAY View This section applies if you use the BPAY View service 69 About the BPAY View service The BPAY View service is a feature of the BPAY system that allows you to receive bills and statements online Bills and statements are delivered via email and you will receive a message when you log on to Bendigo e banking BPAY View is only available if you have access to Bendigo e banking 70 Registering Deregistering for the BPAY View service You need to register in order to use BPAY View You register by logging on to Bendigo e banking at www bendigobank com au e g following the prompts BPAY View is only available from the time we notify you of its availability You must have a current valid email address to register for this servi
46. accept that a delay may continue for a longer period 63 6 If your BPAY payment has been made using a credit card there are no chargeback rights available under the card You must contact the Biller about any goods or services you may have agreed to acquire from the Biller and resolve the dispute directly with the Biller Even if you have used a credit card to make a payment you may still have rights under clause 63 or clause 68 63 7 If you hold insufficient cleared funds in your nominated account on processing day we will notify you via email We will attempt again to process your Data Files subject to available cleared funds on the following 3 business days 64 Incorrect payment amount to a biller You must ensure that the information in relation to each BPAY payment is correct If you discover that you have instructed us to make a payment to a biller for an incorrect amount a if the amount you instructed us to pay is greater than the required amount contact the biller for a refund b if the amount is less than the required amount you should make a further BPAY payment for the difference 65 When a biller cannot process a payment If we are notified that your BPAY payment cannot be processed by a biller we will a notify you b credit your account for the amount of the BPAY payment c if you request take all reasonable steps to assist you in making the BPAY payment as quickly as possible 66 Susp
47. account if the number to be credited was not in accordance with your instructions 93 5 If you authorised a Pay Anyone Service transfer and you later discover you made a mistake in the instruction and we cannot recover the Pay Anyone Service transfer from the person or business who received it within 20 business days of us attempting to do so you must pay us that amount and you authorise us to debit that amount to your account 93 6 Weare not liable for any consequential loss or damage you suffer as a result of using the Pay Anyone Service other than any loss or damage which is due to our negligence or breach of any condition or warranty implied by law which cannot be excluded restricted or modified at all or only to a limited extent Section N Bendigo Bulk Payments 94 Bendigo Bulk Payments 94 1 Bendigo Bulk Payments is an on line service available to eligible business customers It enables you to lodge data files electronically using Bendigo e banking for crediting to accounts held by third party recipients for example your employees or creditors with any Australian financial institution participating in BECS Most major financial institutions participate in BECS 94 2 lt also enables your funds to be debited from your nominated account and credited to your recipients accounts quickly efficiently and securely You can make any number of payments to your recipients at one time with only one total debit shown against your n
48. ackaged Account or b entertained Account are the salary sacrificed portion of wages Some of the above methods for deposits may not be accessible by you when you are not in Australia The proceeds of any deposit may not be available for up to 5 business days after the deposit is made t will usually take 3 business days for a cheque to clear If we allow you to draw on a cheque before it has cleared you will be liable for the amount of the cheque if it is subsequently dishonoured and you authorise us to debit the amount of the cheque plus applicable bank charges to your account International deposits may be subject to extended clearance times We may not accept any cheque that is not payable to you whether the cheque has been endorsed in your Bendigo Business Accounts and Facilities 4 4 favour or not You may request a special clearance on a cheque VVhen you request a special clearance on a cheque we will request the other bank to respond within 24 hours if the cheque is drawn on a branch in the same state as the place of deposit If the cheque is an interstate cheque we will request the other bank to respond within 48 hours We cannot assure you that the other bank will respond within these timeframes You must pay us a fee for this service See the Schedule of Fees Charges and Transaction Account Rebates Deposits made using the Secure Deposit Facility 4 5 When using the Secure Deposit Facility you are accepting the
49. apply to a Bendigo MasterCard credit card or a Bendigo Visa credit card to the extent that the card is used to access any of the accounts to which this document applies they do not apply when you use these cards to access credit card accounts 41 Your card 41 1 You must be 12 years of age or more to apply for a Bendigo Easy Money card 16 years of age or more to apply for a debit card or 18 years of age or more to apply for any other card In addition the cards are not available on all accounts The Key Features Tables starting on page 3 indicate the accounts for which they are available 41 2 If you have a Community Sector Banking b packaged Account you may apply for a b packaged card this card is not available with any other account If we approve your application we will issue a b packaged card to any employee or domestic partner of an employee that you nominate and each nominated employee or employee s domestic partner will be an additional cardholder for the purpose of these terms and conditions You the employer will be liable for overdrawn amounts on a Community Sector Banking b packaged Account An additional cardholder will not be liable for overdrawn amounts 41 3 If you have a Community Sector Banking b entertained Account you may apply for a b entertained card this card is not available with any other account If we approve your application we will issue a b entertained card to any employee or domestic partner
50. ard contactless terminal means an electronic point of sale terminal which is capable of performing a contactless transaction contactless transaction means the authorisation of a transaction by presenting a card which is capable of performing a contactless transaction at a contactless terminal without the requirement to insert or swipe the card Customer Contact and Care is our delivery channel for services accessed through the telecommunications network Through Customer Contact and Care you are able to access and use the following services Bendigo Phone Banking Bendigo e banking Customer Contact and Care call centre Secure Email is a feature of e banking which enables you to send and receive Secure messages to and from internal Bendigo Bank departments customer registration means the manner by which you apply to us to access Bendigo Phone Banking or Bendigo e banking data files means electronic direct entry file data complying with the ABA format EFTPOS means Electronic Funds Transfer at the Point of Sale and allows you to pay for goods without the need to carry cash and in some instances to withdraw cash from your account without the need to visit a branch EFT transaction means a transfer of funds initiated by an instruction through electronic equipment using an access number password or PIN to debit or credit an account An EFT transaction includes without limitation a transa
51. by Community Sector Banking represent the banking business of Bendigo Bank and are subject to Bendigo Bank s policies procedures and prudential risk management None of the accounts or facilities to which this document applies are issued guaranteed or underwritten by Community Sector Banking Community Sector Enterprises Pty Ltd or Community 21 Limited Contact details You can contact us at any of our branches which are listed on our website www bendigobank com au Alternatively you can contact us via gt Customer Contact and Care Telephone 1300 BENDIGO 1300 236 344 Banking consultants who can provide you with information on accounts Sam 8pm Monday to Friday Local hours 9am 4pm Saturday Local hours 9am 4pm Sunday Local hours gt The Bendigo Bank website at www bendigobank com au gt Customer Help Centre Complaints compliments amp suggestions Telephone 1300 361 911 8 30am 6 00pm Victorian time Monday to Friday gt After hours hotline to support Lost Stolen cards e banking and phone banking emergencies Telephone 1800 035 383 After business hours seven days a week or outside Australia by telephone on 61 3 5485 7872 You can contact Community Sector Banking at gt Office B Level 1 Wing CiC Central Squires Way North Wollongong NSW 2500 PO Box 585 Corrimal NSW 2518 Telephone 02 4255 8400 or 1300 CSBANK 1300 272 265 8 30am 6 00pm AEST ADST Monday to Friday Facsimile
52. by calling into one of our branches by phoning 1300 BENDIGO 1300 236 344 or by writing to your local branch or our head office address details are in the front of this document For Community Sector Banking phone 1300 CSBANK 1300 272 265 or by writing to Community Sector Banking address details are in the front of this document 22 3 You should advise us of the details of all of your accounts so that all our records can be changed If you like we can also change the branch where you normally pick up your cheque book and or card to a branch that is more convenient to you 22 4 You must notify us in writing as soon as possible of any proposed or actual changes to your financial or legal status including name changes mergers administration or receivership schemes of arrangement bankruptcies liquidations windings up dissolutions or acting or failing to act in a manner which could result in any of these situations or any other material changes that may affect or impact upon your use of your account or any payment facility or your ability to continue operating in a financially viable manner 22 5 You must notify us in writing immediately if you are a Company and there is a change in your directors 22 6 We will not be liable for any loss you suffer as a result of your failure to notify us immediately of a change in your directors or circumstances 23 If you need to send money overseas or have received funds from overseas
53. cancellations we may suggest that you contact the merchant concerned 16 Stopping or Closing your account 16 1 16 2 16 3 16 4 You may request us to close your account only if it is in credit You may close the account by a visiting one of our branches and telling us you wish to close the account or 16 6 b sending a written request to us or Community Sector Banking if applicable and returning to us all unused cheques cards or security tokens linked to that account c where an account has been forcibly closed by the Bank due to being overdrawn for an extended period of time vve may request such funds to be repaid before a new account will be established 46 7 16 8 If a card is linked to your account you must give us 14 days notice of your wish to close your account You must return to us all cards issued on the account at the time of giving notice This 14 day period is to allow for outstanding card transactions to be presented for payment before the account is closed We may close your account at any time due to unsatisfactory conduct or for any other reason by giving you notice that is reasonable in all the relevant circumstances and reimbursing you for any amount standing to the credit of your account If you or an authorised signatory breach any of these terms and conditions or your account is opened with a zero balance and you do not operate your account within 180 days of opening we may
54. ccount Community Sector Banking Social Investment Deposit Account If you have a Community Sector Banking Social Investment Deposit Account the following clause applies 19 8 The personal circumstances of each customer are different and we encourage you to seek independent taxation advice 20 Privacy 20 1 We are committed to ensuring your privacy is protected and understand your concerns regarding the confidentiality and security of personal information you provide to us and Community Sector Banking 20 2 You can obtain information about privacy in our Privacy Policy which is available upon request at any of our branches or on our website at www bendigobank com au 21 If you have a concern or complaint 21 1 If you have a problem please let us know immediately because we may be able to fix it for you We will attend to your concern promptly and courteously 21 2 If you can spare the time we would really appreciate hearing from you when you are happy with our service This provides a more balanced perspective of our customers impressions of us 21 3 You can raise your concern or complaint with us by a speaking to a member of our branch staff directly or ask to speak with their supervisor or manager b completing the Customer Feedback form Talk to us we re listening available from your nearest branch or write a letter and mail to our Customer Help Centre at PO Box 480 Bendigo 3552 c contacting ou
55. ccount Community Sector Banking Gift Fund Account Community Sector Banking Capacity Builder Account Community Sector Banking Social Investment Deposit Account Payment facilities Bendigo Phone Banking Bendigo e banking Business Blue Debit MasterCard Bendigo Blue Debit MasterCard Bendigo Easy Money card Bendigo MasterCard credit card and Bendigo Visa credit card but only to the extent the card is used to access any of the accounts described above Business Cheque facility BPAY and BPAY View Pay Anyone Service Bendigo Bulk Payments Automatic payments direct debits periodical payments and sweep facilities Telegraphic Transfers Registered to BPAY Pty Ltd ABN 69 079 137 518 Bendigo Business Accounts and Facilities The issuer of the products described in these Terms and Conditions is Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL No 237879 Bendigo and Adelaide Bank Limited has appointed Community Sector Banking Pty Ltd Community Sector Banking as its Authorised Representative to advise and deal in relation to these products Community Sector Banking is a Franchisee of Bendigo and Adelaide Bank Limited and a wholly owned subsidiary of Community Sector Enterprises Pty Ltd ABN 95 098 858 354 Community Sector Enterprises Pty Ltd is a 50 50 joint venture between Community 21 Limited ABN 79 097 612 416 and Bendigo and Adelaide Bank Limited All banking business and transactions conducted
56. ce 71 Security token 71 1 In order to gain access to the BPAY View service you will be required to use a security token A security token is an additional security feature to prevent unauthorised access to your account A fee will apply to this service Loss or damage to your security token may incur a replacement fee Current fees and charges are set out in the Schedule of Fees 45 Bendigo Business Accounts and Facilities mz 71 3 Charges and Transaction Account Rebates If you have obtained a security token in connection with the e banking service you can use the same security token for BPAY Vievv Your security token is used to authenticate BPAY Vievv and the delivery of your bills and bill information via Bendigo e banking and involves the use of a PIN to generate authentication codes You acknovvledge and accept that in coniunction vvith your e banking access ID and password or PIN a the security token we issue you together with your selected PIN is the means by which you access BPAY View b anyone using your security token and PIN will be able to have access to BPAY View You authorise us to act upon all instructions given to us using your security token subject to any other provision of these terms and conditions you are liable for any such instructions 72 Protecting your security token and PIN y 12 2 The security of your security token and PIN is very important You must ensure that you
57. ch you need to set up through the company organisation or fund receiving the money allowing us to make these payments c a sweep facility allows us to transfer payment from your nominated account with us to a Bendigo Visa credit card or Bendigo MasterCard credit card To do this we need you to call into one of our branches to give us your instructions 47 Bendigo Business Accounts and Facilities we make a sweep payment from your account to another account with us To do this we need you to call into one of our branches to give us your instructions 81 Arranging an Automatic Payment 81 1 81 2 81 3 If the automatic payment is a direct debit the biller will supply you with a Direct Debit Request Service Agreement for you to complete and sign to provide them with this authority You can arrange a periodical payment or sweep facility at any time by coming into one of our branches You are only required to visit a branch the first time you set up the facility You must give us the information we require to enable us to make an automatic payment This information may include the BSB and account numbers and account name of the accounts from and to which payments are to be made You must check that all information you give to us is correct including but not limited to the BSB and the account number We do not check and are not responsible for checking that any information you give to us is correct including whethe
58. chedule of Fees Charges and Transaction Account Rebates and the Schedule of Interest Rates for Business Accounts Together they form the Terms and Conditions for Bendigo Business Accounts and Facilities Bendigo and Adelaide Bank Limited The Bendigo Centre Bendigo VIC 3550 ABN 11 068 049 178 AFSL No 237879 Community Sector Banking Pty Ltd ABN 88 098 858 765 Authorised Representative No 265317 of Office B Level 1 Wing CiC Central Squires Way North Wollongong NSW 2500 is a wholly owned subsidiary of Community Sector Enterprises Pty Ltd ABN 95 098 858 354 a joint venture between Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879 and Community 21 Limited ABN 79 097 612 416 53557 V031 BEN50TCO39 26 11 2015 bendigobank com au
59. clearly by telling us the name of the account the amount of the cheque the number and date of the cheque and the name of the payee There is also a feature in Bendigo e banking which will allow you to request us to stop a cheque for you 36 Dishonouring Cheques 36 1 We may at our discretion dishonour a cheque if a you have insufficient cleared funds or available credit in your account to cover the cheque b the cheque has not been completed correctly or is incomplete including but not limited to a cheque that is unsigned undated post dated which is a cheque dated later than the date it was written stale has no payee stated or has been materially altered and you have not authorised the alteration c you have instructed us to stop payment on the cheque d we have received notice of your mental incapacity bankruptcy or death or e the cheque is poorly or illegibly completed 36 2 If your account is closed or your cheque facility is cancelled we may dishonour any cheque presented after closure or cancellation unless you make other arrangements with us 36 3 A dishonour fee may apply if a cheque is dishonoured Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates 36 4 Our right to take actions to recover money you owe us will not be prejudiced by any decision we make to meet payment on any cheque 31 Bendigo Business Accounts and Facilities 36 5 I
60. close the account without giving you prior notice We will give you notice as soon as possible after closing the account unless we have previously given you notice and will reimburse you for the amount standing to the credit of your account 16 9 If your account is closed a we may cancel any card linked to that account cancel any cheque facility linked to that account and disable your access to other payment facilities linked to that account b you must return to us all cards any security tokens issued to you and all unused cheques linked to that account c you will be liable for any transactions that were not processed or that occur on the account including but not limited to outstanding merchant purchases cash advances and cheques presented at the time the account is closed d you must pay to us on demand all unpaid fees and charges prior to closure of the account e you must arrange deregisteration of your access D s f we will automatically cancel any periodical payments or sweep facilities You should make arrangements for any automatic payments direct debit direct credit payments interest payments periodical payments sweep facilities ongoing Pay Anyone Service payments and payments to be made by Bendigo Bulk Payments if applicable that are paid into or out of your account to be re directed before the account is closed We reserve the right to withdraw any particular type of account
61. cluded in your tax return representing your donation made to the recipient you have chosen from our list 5 12 For tax purposes please retain your statement Community Sector Banking Social Investment Deposit Account 5 13 Community Sector Banking has established a relationship with a national donor advised philanthropic foundation the Community Enterprise Foundation Interest and or other contributions from Social Investment Deposit Account holders will be paid to the Community Enterprise Foundation for distribution to charitable projects and programs run by eligible not for profit organisations or charities as recommended by a Community Sector Banking advisory committee 5 14 You have three options in relation to the interest payable by us on your account being a you can elect to have all of the interest payable by us on your account credited to the Community Enterprise Foundation in which case you will not receive any of the interest earned on your account Bendigo Business Accounts and Facilities b you can elect to have half of the interest payable by us on your account credited to the Community Enterprise Foundation in which case the remaining half will be credited to your account or c you can elect to have all of the interest payable by us on your account credited to your account 5 15 If you wish to change your election for example if you wish to change from having half of the interest earned
62. counting payroll packages provide for ABA format files to be created If you are unsure as to the capabilities of your software please contact your software vendor directly If your software package is unable to create Data Files using ABA format please phone us on 03 8414 7727 We are able to provide our Quick Link ABA software to you if required This software enables you to create ABA format files if your accounting payroll package cannot do so There is a fee for the purchase of the Quick Link ABA software Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates 96 Using Bendigo Bulk Payments soz 96 2 Your Data Files are lodged electronically via Bendigo e banking You cannot recall your Data Files after lodgement via Bendigo e banking 96 3 96 4 96 5 96 6 96 7 96 8 96 9 If your Data Files are lodged with us by cut off time they will be processed that day unless you nominate a later date Cut off Time is 5 30pm Victorian time on any business day If your Data Files are either lodged on a day that is not a business day or after cut off time they will be processed on the following business day unless you nominate a later date On processing day the amounts in your Data Files will be debited from your nominated account in a one withdrawal transaction i e only one total debit will be shown and credited to your recipients account
63. ction undertaken using a card and a PIN via EFTPOS or an ATM or a transaction undertaken using Bendigo Phone Banking or Bendigo e banking electronic equipment includes but is not limited to an electronic terminal contactless terminal computer television and telephone Government charges means all charges or duties on deposits into or withdrawals from your account that are payable under a law of the Commonwealth or any State or Territory or any other jurisdiction whether or not you are primarily liable to pay these charges law means common law principles of equity and laws made by parliament including regulations and other instruments under them and consolidations amendments re enactments or replacements of them MasterCard SecureCode means the online authentication service provided for MasterCard cardholders when making online transactions at participating merchants nominated account means any of the accounts nominated by you from time to time for use with Bendigo Phone Banking Bendigo e banking Bendigo Bulk Payments BPAY or the Pay Anyone Service not for profit organisation means an organisation that is and is required by its constituent document s to be carried on other than for the profit or gain of its individual members both during the time it is operating and at the time of its winding up and that possesses the characteristics prescribed by the Australian Taxation Office for recognition
64. d You may be legally liable if someone else uses your card and PIN without your permission g destroy expired cards h collect your card from the ATM after completing a transaction 56 5 You must also ensure that any additional cardholder does each of these things 56 6 following ways of recording a PIN are often deciphered by thieves and it is strongly recommended that these ways are not used for recording PINs a recording the PIN as a series of numbers with any of them marked circled or highlighted to indicate the PIN b recording the PIN with surrounding information that makes it stand out from its context For instance a PIN recorded as a 4 or 6 digit telephone number where all other numbers are 8 digits c recording the PIN as a string of digits in isolation from other information d recording the PIN as a birth date postcode or telephone number without additional features of disguise 56 7 A reasonable attempt must be made to protect the security of a PIN Making any reasonable attempt to disguise the PIN within the record or prevent unauthorised access to the PIN record includes but is not limited to a hiding or disguising the PIN record among other records b hiding or disguising the PIN in a place where a PIN would not be expected to be found c keeping a record of the PIN in a securely locked container or d preventing unauthorised access to an electronically stored rec
65. d on any one day which exceed the applicable daily withdrawal limits b that portion of the losses incurred in a period which exceeds any other periodic withdrawal limits applicable to that period c that portion of the total losses incurred on any account which exceeds the balance of that account including any prearranged credit d all losses incurred on any accounts which we and you had not agreed could be accessed using the access method e any losses incurred as a result of conduct we expressly authorised you to engage in f any losses incurred as a result of you disclosing recording or storing a PIN and or access number in a way that is required or recommended for the purposes of using an account access service such as when you provide your codes to an aggregator service or store your codes in an electronic wallet on your computer which is expressly or impliedly promoted endorsed or authorised by us Where we can prove on the balance of probability that you have contributed to the losses by unreasonably delaying notification after becoming aware of the misuse loss or theft of a card forming part of the access method or that the security of all the codes forming part of the access method has been breached you are liable for the actual losses which occur between when you or an additional cardholder became aware or should reasonably have become aware in the case of a lost or stolen card and when we were actual
66. deceased person and the will if there is a will Where you do not provide us with probate or letters of administration you must also give us an indemnity in a form acceptable to us against any loss caused by opening the account or allowing withdrawals from the account 1 2 Subject to the requirements of any law we may refuse to open an account or provide a payment facility 1 5 You may not be eligible to open and hold all types of accounts The Key Features Tables starting on page 3 set out eligibility requirements that apply We may require you at any time to provide us with proof that you meet the eligibility requirements for an account If a after opening an account you no longer meet the eligibility requirements or b you do not provide us with proof that you meet the eligibility requirements when we ask for it we may change your account to another type of account to which this document applies We may require you to deposit a minimum amount with us in order to open an account The minimum amounts that currently apply are set out in the Key Features Tables starting on page 3 There is no minimum account balance required to maintain an account However where an account has been opened without you depositing any amount that is with a zero balance and you do not operate your account within 180 days of opening we may close the account without giving you notice 13 Bendigo Business Accounts and Facilities 1
67. digo e banking only p access Bulk Payment facilities Bendigo e banking only q opt for electronic and or paper statements 48 2 Fora Community Sector Banking b packaged Account or b entertained Account Bendigo Phone Banking is not available and Bendigo e banking is available with Restricted Access only Restricted Access means that your Authorised Signatory and the holder of a b packaged card or b entertained card can do the following a review the balance of the account to determine the current available balance b review the transaction history of the account c perform selected transaction enquiries d select an individual or range of transactions on a nominated account for closer examination and e access Secure Email which enables you or your authorised user to send and receive secure emails to and from internal Bendigo bank departments Sensitive information should not be submitted via secure email ie Tax file numbers and card numbers 49 Equipment It is your responsibility to obtain and maintain any electronic equipment e g computer hardware or touchtone telephone which you may need to have to access Bendigo Phone Banking and Bendigo e banking 50 Authorised users Please refer to clause 14 for information about requesting us to authorise a person as an authorised user to use Bendigo Phone Banking or Bendigo e banking Bendigo Business Accounts and Facilities 51 Access 611 51
68. e terms and conditions a we may debit the overdrawn amount to your account b we may restrict the way in which you gain access to your account such as suspending card access c your account will incur an Overdrawn Account Fee Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates d we will calculate interest on the overdrawn amount on a daily basis and you authorise us to debit it to your account at the same time that we would have credited interest to your account until the overdrawn amount is repaid or where no credit interest applies on the 1st day of the month for the Bendigo Business Flexi Offset Account or annually on the 1st of October for the Bendigo Club Account e you must repay the overdrawn amount immediately and f we may cancel any payment facility linked to the account 20 Bendigo Business Accounts and Facilities 9 3 9 4 9 5 We may change the interest rates for overdrawn accounts from time to time at our discretion If you have an overdraft facility with us any change in the interest rate applying to that overdraft facility will be governed by the terms of that facility If any law regulates such a change we will only make the change to the extent permitted by and subject to the requirements of that law Our current interest rates for overdrawn accounts are set out in the Schedule of Interest Rates for Business Accounts You can f
69. e combine your business accounts We need not notify you in advance 11 Statements and confirmation of transactions d Unless you have a passbook we will issue you with a statement of account a at least once every 6 months if your account is being transacted upon b at least once every 12 months if your account is not being transacted upon 11 2 13 If you would like to receive a statement of account more frequently please contact one of our branches or Community Sector Banking if applicable A fee may apply for this service Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates You must check your statement of account and immediately notify us if you notice an error or possible unauthorised transaction on that statement You should keep your statements safe for future reference You agree that confirmation of transactions involving your account or any payment facility may be provided by a in the case of a passbook with the Bendigo Trust Account your passbook or statement b Bendigo Phone Banking and Bendigo e banking if you have access to either of those services not all fees are available for enquiry via either of these channels c you requesting confirmation at any of our branches 12 Receipts and vouchers 121 12 2 123 12 4 You must check any record of the transaction that we provide to you and any credit card vouchers and kee
70. ehalf 61 2 The BPAY scheme is an electronic payments scheme through which you can ask us to make payments to billers who inform you that you can make BPAY payments to them through the BPAY scheme 61 3 We are a member of the BPAY scheme and we will inform you if we are no longer a member 61 4 You can make BPAY payments through the BPAY scheme from a nominated account only if you have access to Bendigo e banking or Bendigo Phone Banking 61 5 Weare not acting as your agent or the agent of the biller when we make a BPAY payment on your behalf 62 Using the BPAY scheme 62 1 When you tell us to make a BPAY payment you must provide us with the following information a the account from which the BPAY payment is to be debited b the BPAY biller code of the biller to be paid c the amount of the BPAY payment d the biller customer reference number 62 2 You acknowledge and accept that we are not obliged to effect a BPAY payment if you do not give to us all of the information or give us inaccurate information 62 3 We will then debit the account you specify with the amount of that BPAY payment 62 4 may decide not to make the BPAY payment if there are insufficient cleared funds in the specified account at the time you have told us to make that payment 43 Bendigo Business Accounts and Facilities 63 Payments 63 1 We may impose restrictions on the accounts from which a BPAY payment may be made or impose lim
71. elines It cannot be used at ATMs EFTPOS terminals or Bank Post terminals to make cash withdrawals Your card must be linked to a primary demand deposit account which is eligible to have card access Within Australia You can use your card except if it is a b packaged card or b entertained Card at our ATMs to a make deposits to your primary demand deposit account although this can only be done at our ATMs that offer this function b make withdrawals from your primary demand deposit account c transfer money from your primary demand deposit account to another account linked to your card if any and d obtain account balances for your primary demand deposit account You can use your card except if it is a b packaged card or b entertained card at an ATM operated by another financial institution to a make withdrawals from your primary demand deposit account and b obtain account balances for your primary demand deposit account c you may also be able to transfer money from one account to another depending upon the particular financial institution or provider which operates the ATM Other financial institutions can determine from time to time what transactions can be carried out at their ATMs 34 Bendigo Business Accounts and Facilities 42 6 42 7 42 8 You can use your card except if it is a b packaged card or b entertained Card at a Bank Post terminal the Post Office may have re
72. ension of BPAY We may suspend your right to participate in the BPAY service at any time if you are suspected of acting ina fraudulent manner 67 Cut off times 67 1 If you instruct us to make a BPAY payment before the time specified below it will in most cases be treated as having been made on the same day Cut off times Monday to Friday 5pm Victorian Time Saturday Sunday and Public Holidays processed next business day 67 2 BPAY payments may take longer to be credited to a biller if you tell us to make a BPAY payment on a Saturday Sunday or public holiday or if the biller does not process a payment as soon as they receive its details 68 Liability for mistaken payments unauthorised transactions and fraud 68 1 You must notify us immediately if a you become aware that you may have made a mistake except in relation to the BPAY payment amount see clause 60 when instructing us to make a BPAY payment b you did not authorise the BPAY payment from your account c you believe the BPAY payment was not processed in accordance with you instructions including delays 44 Bendigo Business Accounts and Facilities 68 2 68 3 68 4 68 5 68 6 d you think you have been fraudulently induced to make a BPAY payment We will attempt to rectify any such matters in relation to your BPAY payment in the way described in this clause If a BPAY payment is made on your account without your knowledge or c
73. erating instructions to be under common seal or authenticated by minutes of a resolution of your directors or governing body We do not have to agree to your request to add an authorised signatory to your account but if we agree we may impose conditions If we do not agree to your request we will notify you Where you request that a person be authorised as an additional cardholder and where we agree to that request a that person must be i 12 years or older for a Bendigo Easy Money card l 16 years or older for a b packaged debit card or b entertained debit Card and ili 16 years or older for all other cards b we will issue to that person a card linked to your account additional card c you authorise us to debit your account vvith all transactions made using the additional card and you vill be responsible and liable for these transactions as if you had made them yourself d these terms and conditions apply to the additional card in the same vvay that they apply to your card n relation to an authorised e banking user you may request a maximum daily withdrawal limit to apply to your authorised user s This limit may include 0 or view only access 22 Bendigo Business Accounts and Facilities 14 7 14 8 14 9 14 10 14 11 You can arrange to have the authority of an authorised signatory cancelled stopped or revoked or your operating instructions changed at any time If
74. es c any component of an access method that is forged faulty expired or cancelled d unauthorised transactions occurring after you have notified us as required by these terms and conditions of the loss theft or misuse of a card forming part of an access method or that the security of a PIN password and or access number has been breached e transactions which require the use of a card PIN password and or access number forming part of your access method and that occurred before you have received that card PIN password and or access number including a reissued or replacement card PIN password and or access number 41 60 2 60 3 f the same transaction being incorrectiy debited more than once to the same account You are liable where we can prove on the balance of probability that you have contributed to the losses in any of the following ways a through your or an additional cardholders fraud b by you or an additional cardholder voluntarily disclosing the PIN password and or access number to anyone including a family member or friend c by keeping a record of the PIN that can be used together with a card without making any reasonable attempt to disguise the PIN or prevent unauthorised access to the PIN on the one article or on several articles carried with the card so that they are liable to loss or theft simultaneously with the card d by keeping a record of your PIN password and
75. ess or c is a beneficiary not being a company who is presently entitled to a share of the income of a trust estate where the trustee carries on in Australia a primary production business 115 f you have a Bendigo Solicitor Trust Account Bendigo Real Estate Trust Account Bendigo Conveyancer Trust VIC Account or Bendigo Retention Money Trust NSW Account as well as holding that account you must open and maintain another Bendigo primary demand deposit account in the same name at all times For the Bendigo Business CommunitySaver Account you must tell us whether you wish to have 10 25 50 or 100 of the interest earned on your account credited see clause 5 8 to 5 12 directly to the partner you select from our list of eligible organisations 1 16 To be eligible for a Community Sector Banking Cash Management Trading Account you must provide us with proof that you are a not for profit organisation within the community sector when you open the account To be eligible for a Community Sector Banking Gift Fund Account you must provide us with proof you are a not for profit organisation with Deductible Gift Recipient DGR tax status within the community sector when you open the account For the Community Sector Banking Social Investment Deposit Account you must tell us whether you wish to have all or half of the interest earned on your account credited to the Community Enterprise Foundation or all of the interest ea
76. et Account is linked to a variable rate Bendigo Business Flexi Loan All parties to your Bendigo Business Flexi Offset Account must be parties to the linked loan account 5 22 Subject to the requirements of any law the discounted rates may change at any time You may change the loan to which your account is linked at any time provided the alternative loan complies with the terms and conditions outlined above upon written notification to us 5 23 Daily Balance defined in 5 24 below in your account will be used to offset your linked loan account for the purpose of calculating the interest payable on your linked loan account This will be applied based on the agreed Interest charging frequency i e when interest is charged to the Bendigo Business Flexi Loan 5 24 5 25 5 26 Oven on either a Monthly Quarterly Half Yearly or Annual basis Interest on your linked loan account will be calculated at a discounted rate on the amount equal to the Daily Balance held in your Bendigo Business Flexi Offset Account The Base Rate of the loan will be applied to that portion of the loan balance that is equal to the balance of the offset account Interest on the remaining balance of your linked loan account will be calculated at the advised Applicable Rate rate that applies to your linked loan account Details of the Applicable Rates can be obtained by asking at any Bendigo Bank branch The Daily Balance in your account is t
77. f a cheque deposited to your account is dishonoured the cheque will not be returned to you We may however in certain circumstances provide you with an electronic image of the cheque or other details we have which may assist you with a claim against the writer of the cheque 37 Lost or Stolen Cheques and Cheque Books 37 1 You must keep your cheque book and all unused cheques out of sight and in a safe place at all times for example a locked drawer or cabinet This will help reduce the risk of theft Leaving your cheque book in your sock drawer or the glove box of your car is not a safe place Note As a general rule you should treat your cheque book the same way as you would a large sum of cash Would you leave 5 000 in cash in your sock drawer or the glove box of your car 37 2 You must keep your cheque book separate from any plastic cards or other material that bears your signature You must not leave signed blank cheques in your cheque book 37 3 If any cheque or your cheque book is lost or stolen or misused you must notify us as soon as possible by contacting your local branch or by telephoning Customer Contact and Care on 1300 BENDIGO 1300 236 344 37 4 If you delay unreasonably in advising us that a cheque or cheque book is lost or stolen or misused other people may be able to withdraw money from your account without your permission If you fail to notify us as soon as possible you may be held liable for any unauthori
78. g are liable to you for or in connection with 28 5 a any loss or damage you suffer as a result of using your account or a payment facility b any delay or failure in processing a transaction on your behalf c any transaction which is processed by us on your behalf 28 6 d any failure malfunction delay or error for any reason of any equipment system or software including without limitation the telephone internet enabled device software and telecommunications and ISP services you or an authorised signatory use to access an account or payment facility e any unavailability or failure of a payment facility to accept instructions from you We may decide at our discretion the order in which payments will be processed We may give you a certificate about a matter in connection with the account The certificate is sufficient to prove the matter unless you prove the certificate is incorrect Notices and other communications for us may be a given personally to one of our staff at any of our branches or sent by post or facsimile to our registered office or Community Sector Banking s registered office if applicable or b given by any other means permitted by law Subject to the requirements of any law communications for you may be a given to you personally or left at any address specified by you or your registered office residential or business address last known to us b sent by prepaid post to a
79. ge 3 indicate the accounts for which they are available 46 3 You must be at least 12 years of age to be eligible for Bendigo Phone Banking or Bendigo e banking 46 4 For a Community Sector Banking b packaged Account or b entertained Account Bendigo Phone Banking is not available and Bendigo e banking is available vvith Restricted Access Only You do not need to apply for Bendigo e banking Restricted Access for your nominated Authorised Signatory for a Community Sector Banking b packaged Account or the holder of a b packaged card or b entertained card issued in relation to the account VVe vvill automatically give Bendigo e banking Restricted Access to your nominated Authorised Signatory for a Community Sector Banking b packaged Account b entertained Account and the holder of a b packaged card or a b entertained card issued in relation to the account 47 Access numbers Passwords and PINS 47 1 If we approve your application we will provide you with an access number and a temporary PIN or password The temporary PIN or password is valid for 5 days from the date of issue Before the end of that 5 day period you must use that access number and temporary PIN or password to gain access to Bendigo Phone Banking or Bendigo e banking for the first time You will then be asked to select and enter a PIN or password and to re enter the same PIN or password to confirm 47 2 You acknowledge and accept that a the access number we issue you
80. he authorised signatory in the same way that they apply to you You should ensure that any authorised signatory has read these terms and conditions and complies with them as if they were you If the authorised signatory does not comply with these terms and conditions you will be in default 15 5 You consent to us giving an authorised signatory information about your account You may ask us in writing to limit the dollar amount 15 6 available to some authorised signatories to restrict their liability 15 Cancelling a payment facility 15 4 We may at our absolute discretion cancel a payment facility at any time without notice to you Without limiting the circumstances in which we may cancel a payment facility we may cancel a payment facility if 15 7 15 8 a we received notice of your mental incapacity bankruptcy insolvency or death b we believe any of your card cheque book PIN password access number or security token are being used or will be used in a way that will cause loss to you or us c we reasonably believe you induced us to issue the payment facility by fraud d you or an authorised signatory breach any of these terms and conditions e we close your account f in the case of Bendigo Phone Banking Bendigo e banking Bendigo Bulk Payments Pay Anyone Service or Automatic Payments the security or quality of the service is threatened g you fail to comply with our instructions o
81. he balance at the end of the day If your account has a debit balance at the end of the day your balance for that day for offset purposes will be deemed to be zero If your account has a balance greater than the balance of your linked loan account at the end of the day your Daily Balance for that day for offset purposes will be deemed to be equal to the balance of your linked loan account You will not earn interest on the excess amount The discounted rates may change at any time Prior to the settlement or finalisation of the linked Bendigo Business Flexi Loan account the interest calculated on your Bendigo Business Flexi Offset Account will reflect the Bendigo Business Cash Management Account When a linked loan becomes active the interest calculation method on your account will convert back to that utilised for Bendigo Business Flexi Offset Accounts We may at any time combine the balance of your Bendigo Business Flexi Offset Account and your linked loan account If we combine your accounts we will promptly inform you We need not notify you in advance 6 Fees and charges 6 1 Fees and charges apply to your account and your use of the payment facilities You authorise us to debit the fees and charges to your account or in the case of a Bendigo Solicitor Trust Account Bendigo Real Estate Trust Account Bendigo Conveyancer Trust VIC Account or Bendigo Retention Money Trust NSW Account to your other primary demand dep
82. he credit card scheme i the time limits under the rules of the scheme will apply instead of the time limits referred to in clause 21 5 ii the reference to 45 days in paragraph a above is replaced with 60 days and we will provide you with updates every two months instead of each month We will advise you in writing of the above time limits and when you can reasonably expect a decision Your obligation to pay any amount which is the subject of a complaint and any credit or other charges related to that amount will be suspended until the complaint is resolved c when we have completed our investigation of your complaint we will promptly advise you of the outcome of that investigation and the reasons for that outcome except where the complaint has been resolved completely in your favour Our advice will be in writing unless we are able to resolve the matter immediately to the satisfaction of both you and us d if on completion of our investigation we decide that your account has not been incorrectly debited or credited or in the case of unauthorised transactions that you have contributed to at least part of the loss occasioned by the unauthorised use we will supply you with copies of any documents or other evidence relevant to the outcome of our investigation including information about any logs or audit trails relating to the transaction and advise you whether there was any system or equipment malfunction at
83. heque and is usually used where a cheque facility is not attached to a customer s account or the payee has specifically requested a bank cheque in payment for goods or services There is a fee for the issue of a bank cheque Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates Although most people regard bank cheques as cleared funds they are not equivalent to cash A bank may dishonour a bank cheque including if a the signature of an officer of a bank is forged or placed on a bank cheque without the bank s authority b the bank cheque has been fraudulently or materially altered c a fraud or other crime has been committed d the bank is told the bank cheque is lost or stolen e there is a court order restraining the bank from paying a bank cheque f the bank has not received payment or value for the issue of the bank cheque If a bank cheque is lost destroyed or stolen we may provide a replacement bank cheque for a fee Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates 9 Overdrawn accounts You must keep a credit balance in your account at all times and must not overdraw your account use a payment facility or request a payment service which could overdraw your account unless we have agreed to provide you with an overdraft facility for your account If you do overdraw your account in breach of thes
84. ind out our current interest rates at any time by contacting one of our branches phoning 1300 BENDIGO 1300 236 344 or by visiting our website www bendigobank com au For Community Sector Banking phone 1300 CSBANK 1300 272 265 or visit the Community Sector Banking website at www communitysectorbanking com au We do not agree to provide you with credit merely because we debit an amount to your account that causes it to be overdrawn If you are the recipient of Centrelink benefits we will act in accordance with our obligations under the Centrelink Code of Operation when exercising our rights in relation to your overdrawn account for example where we combine accounts In particular unless otherwise agreed we will allow you to access up to 90 of your future Centrelink benefits in accordance with the Centrelink Code of Operation until the account is no longer overdrawn If your account becomes overdrawn please visit any of our branches to discuss your needs and arrange access to your account 10 Account combination We may combine the balances of two or more of your accounts which are of the same ownership and entity name even if the accounts are at different branches For example we may do this if one of your business accounts is overdrawn or in debit and the other is in credit In this situation the credit in one business account would be used to reduce the debit balance in the other account We will promptly inform you if w
85. is both a Public Benevolent Institution and a hospital a lower capping threshold of 17 000 per employee applies To be eligible for a Community Sector Banking b entertained Account you must provide us with proof that you are a Public Benevolent Institution within the community sector when you open the account Note The b entertained Account assists a Public Benevolent Institution to utilise its Fringe Benefits Tax exemption FBT The FBT exemption is for meal entertainment expenses only as defined under FBT legislation and ATO guidelines 14 Bendigo Business Accounts and Facilities 1 17 If you have a Community Sector Banking Capacity Builder Online Account as well as holding that account you must hold a Community Sector Banking Cash Management Trading Account The authorised signatories which include authorised users for Bendigo Phone Banking or Bendigo e banking purposes of the Community Sector Banking Capacity Builder Online Account must be the same persons as the authorised signatories of the Community Sector Banking Cash Management Trading Account To be eligible for a Community Sector Banking Cash Management Trading Account you must provide us with proof that you are a not for profit organisation within the community sector when you open the account A Capacity Builder Online Account can only be accessed by using either Bendigo Phone Banking or Bendigo e banking 2 Identification 2 1 When you open your business account with
86. is of a kind not ordinarily acquired for personal domestic or household use our liability is restricted to re supplying the services or the cost of re supplying the services 28 9 Part or all of any provision of these terms and conditions that is illegal or unenforceable will be severed from these terms and conditions however the remaining provisions will continue in force 28 10 We may assign or otherwise deal with our rights under these terms and conditions in any way we consider appropriate You agree that we may disclose any information or documents we consider desirable to help us exercise this right You also agree that we may disclose information or documents at any time to a person to whom we assign our rights under these terms and conditions 28 11 You should inform us promptly if you are in financial difficulty 28 12 Without limiting any part of these terms and conditions you must notify us within 30 days of the date of receipt of a statement of account if you have any cause to suspect that there is any ATM branch withdrawal EFT withdrawal or direct debit withdrawal recorded on your statement that you did not authorise or that the information relating to such any withdrawal or direct debit is incorrect If you do not then subject to any applicable law you do not have any right to make a claim against us in respect of such withdrawal for example a forged cheque When your credit rating could be affected 28 13 If y
87. ithdrawal BPAY payment or cheque transaction and the amount receive a fax mini statement of transaction related details perform selected transaction enquiries select an individual or a range of transactions on a nominated account for closer examination request new cheque books which can be collected from a branch or mailed to your designated address in accordance with your requirements access Secure Email which enables you to send and receive Secure messages to and from internal Bendigo Bank departments Bendigo e banking only Sensitive information should not be submitted via secure email ie Tax file numbers and card numbers access Account Notification which allows you to establish account balance thresholds and to nominate methods including fax and or email for notification if the thresholds are exceeded Bendigo e banking only make BPAY payments m receive bills and statements electronically via BPAY View Bendigo e banking only n authorise transactions on a nominated account where more than one signatory would normally be required With the authorisations feature one signatory to the account can set up a transaction for authorisation by other signatories either real time or at a future date Bendigo e banking only 0 transfer funds using the Pay Anyone Service to any account at any financial institution within Australia that is identified by a valid BSB number and account number Ben
88. itional cardholder by us that can be used to undertake an EFT transaction Bendigo e banking means the service we offer from time to time by which you can access and transact on a nominated account by using an internet enabled device and accessing our web site at www bendigobank com au Bendigo MasterCard credit card means a credit card issued by us to you or an additional cardholder that bears the MasterCard symbol Bendigo Phone Banking means the service we offer from time to time by which you can access and transact on a nominated account by telephoning 1300 BENDIGO 1300 236 344 Bendigo Visa credit card means a credit card issued by us to you or an additional cardholder that bears the Visa symbol BPAY conditions means the terms and conditions applying to the BPAY Scheme as set out in Section K BPAY payments means payments which you have instructed us to make through the BPAY scheme to billers who can accept payments made to them through that scheme BPAY scheme means the electronic payments scheme operated by BPAY Pty Ltd through which you instruct us to make payments to billers who can accept payments made to them through this scheme BPAY View Biller means a biller who can accept payments through the BPAY system via Bendigo e banking 10 Bendigo Business Accounts and Facilities BPAY Vievv billing error means any of the follovving if you have successfully registered with BPAY View
89. its on the amount of BPAY payments 63 2 We will not accept an instruction to stop a BPAY payment once you have instructed us to make that BPAY payment except for future dated payments which can be cancelled before the due payment date 63 3 Billers who participate in the BPAY scheme have agreed that a BPAY payment you make will be treated as received by the biller to whom it is directed a on the date that you make that BPAY payment if you tell us to make the BPAY payment before our payment cut off time on a business day for payment cut off times see clause 67 b on the next business day if you tell us to make a BPAY payment after our payment cut off time on a business day or on a day that is not a business day c on the day or next business day you have nominated for a scheduled payment to take place 63 4 A delay may occur in the processing of a BPAY payment where a there is a public or bank holiday on the day you tell us to make a BPAY payment b you tell us to make a BPAY payment either on a day which is not a business day or after our payment cut off time on a business day c another financial institution participating in the BPAY scheme does not comply with its obligations under the BPAY scheme d a biller fails to comply with its obligations under the BPAY scheme 63 5 Although a delay in processing a BPAY payment is not expected to continue for more than one business day you acknowledge and
90. ity token to use the Pay Anyone Service or Bendigo Bulk Payments Post Office means Australia Post primary demand deposit account means any account you nominate to be your primary demand deposit account public benevolent institution means a not for profit organisation carried on for the public benefit and set up for the purpose of providing direct relief from poverty sickness suffering distress misfortune disability or helplessness and that possesses the characteristics prescribed by the Australian Taxation Office for recognition as such an institution Regular payment means either a recurring payment or an instalment payment which represents an agreement between a cardholder and a merchant to debit a card at predetermined intervals e g monthly or quarterly or at intervals as agreed by both parties Restricted Access restricts the user to view only access to the nominated accounts via Bendigo e banking The user will only be able to view account balances and transaction history Second level authentication There are three commonly used forms of authentication What you know This is commonly your access ID password and PIN for e banking The second form of authentication is What you have Security tokens have been introduced to secure this area A token generates a one time code The next time you authenticate logon you have to provide a new number from your token This ensures that
91. lved in the BPAY Scheme then that person should refund you the amount of the fraud induced payment However if that person does not refund you the amount of the fraud induced payment you must bear that loss and you authorise us to debit the amount of the payment to your account unless some other person involved in the BPAY scheme knew of the fraud or would have detected it with reasonable diligence in which case we will attempt to obtain a refund for you of the fraud induced payment If a BPAY payment you have made falls within the type described in clauses 68 3 68 4 and 68 5 then we will apply the principles set out in clause 68 4 If a BPAY payment you have made falls within both the types described in clauses 68 3 and 68 5 then we will apply the principles set out in clause 68 5 68 7 You indemnify us against any loss or damage we may suffer due to any claims suits demands or action of any kind brought against us arising directly or indirectly because you a did not observe any of your obligations under the terms and conditions in this section b acted negligently or fraudulently in connection with the other terms and conditions of your account 68 8 Ifyou tell us that a BPAY payment made from your account is unauthorised you must first give us your written consent addressed to the biller who received that BPAY payment consenting to us obtaining from the biller information about your account with that biller or the B
92. ly notified but you are not liable for any of the following amounts a that portion of the losses incurred on any one day which exceed any applicable daily withdrawal limits b that portion of the losses incurred in a period which exceeds any other periodic withdrawal limits applicable to that period c that portion of the total losses incurred on any account which exceeds the balance of that account d all losses incurred on any accounts which you and we had not agreed could be accessed using the access method Where we cannot prove you were liable under clauses 60 2 or 60 4 and a PIN password and or access number was required to perform the unauthorised transaction you will be liable for the least of a 150 b the balance of those accounts including any prearranged credit which you and we have agreed may be accessed using the access method c the actual loss at the time vve vvere notified where relevant that the card has been misused lost or stolen or that the security of the codes forming part of the access method has been breached excluding that portion of the losses incurred on any one day which exceed any applicable daily withdrawal or other periodical withdrawal limits 60 6 You authorise us to debit any amount for which you are liable under this clause 60 to your account Section J BPAY 61 About the BPAY scheme 61 1 This section applies if you ask us to make a BPAY payment on your b
93. ment vvhere the terminal you are using may be left unattended for a reasonable period of time 53 Confirmation of transactions 53 1 53 2 We will provide you with a transaction receipt number every time you make a transaction on your account using Bendigo Phone Banking or Bendigo e banking You should record the transaction receipt number and it should be quoted if you or they have any queries in relation to that transaction Subject to the requirements of any law where you carry out a transaction through Bendigo e banking on our website and we make a transaction record or receipt which you can save or print available to you on the website immediately on completion of the transaction we will not provide you with a paper transaction record or receipt 54 Our responsibility for Bendigo Phone Banking and Bendigo e banking 54 1 Subject to any other provisions of these terms and conditions to the extent permitted by law we are not liable to you for or in connection with a any failure malfunction delay or error for any reason of any equipment system or software which is not controlled or provided by or on behalf of us including without limitation the telephone internet enabled device software and telecommunications and ISP services you use to access Bendigo Phone Banking or Bendigo e banking b any unavailability or failure of which you should have been aware of Bendigo Phone Banking or Bendigo e banking
94. mount is correct on any electronic equipment you use when you perform a transaction EFTPOS outlets may have other restrictions on the amount of cash that can be withdrawn Merchants or other institutions may impose additional restrictions on the use of your card cheque book or PIN The Post Office may impose restrictions on the use of Bank Post We may not allow a withdrawal unless we have proof of your identity that is satisfactory to us You authorise us to debit to your account all withdrawals you or an authorised signatory make from that account unless the authorised signatory is an authorised user who can only access but not operate your account Some transactions require authorisation from us We may choose not to authorise a proposed transaction 47 Bendigo Business Accounts and Facilities For example if your card had been reported lost or stolen 4 16 Contactless transactions are subject to separate transaction limits These limits are imposed by us and the financial institution responsible for the EFTPOS terminal We will notify you of the limits if your card can perform contactless transactions 5 Interest 5 1 We pay interest on your account as per the Business Schedule of Interest Rates See clauses 5 21 to 5 27 below regarding Bendigo Business Flexi Offset Account 5 2 If you have a Bendigo Solicitor Trust Account a Bendigo Real Estate Account or a Bendigo Conveyancer Trust VIC Account we will
95. mpleted by Bank Staff or An original or certified copy of the company s certificate of registration issued by the relevant foreign registration body Trust Incorporated Association All company or individual requirements whichever is applicable Original or certified copy of the full trust deed An original certified copy or certified extract of the Rules or Constitution of the Association AND Signed authorised original minutes of a meeting of the association Unincorporated Association Signed authorised original minutes of a meeting of the association Body Corporate Owners Corporation Depending on whether the Body Corporate is an Incorporated Association or a Domestic Company supply supporting documentation as per that entity type Plan of Subdivision documents issued by the State Government Planning Office or Copy of rates notice from Local Council confirming Plan of Subdivision details Franchise Original or certified Copy of original franchise agreement All company or individual requirements whichever is applicable Co operative Signed authorised original minutes of a meeting of the co operative AND Any register certified copy or certified extract of any register maintained by the co operative or Information provided by the relevant government State or Territory registration body Government Body Search a relevant Commonwealth State or Territory website to be completed b
96. munity Sector Banking can provide a record of all expenditure on each employee b packaged card which relate to a Type 1 benefit under FBT legislation or on each employee b entertained Card which relate to a meal entertainment benefit under FBT legislation and calculate the total GST paid each month This report may be used by PBI organisations to claim back GST where a valid tax invoice is held Fees and charges apply for this service please refer to the Schedule of Fees Charges and Transaction Account Rebates for Community Sector Banking Accounts Type 1 benefits are expenditure items which are GST inclusive What happens if don t provide my Tax File Number 19 5 If you choose not to provide us with your Tax File Number we are required to deduct withholding tax at the highest marginal tax rate plus the Medicare Levy when you earn interest income of 120 or more a year The above clauses 19 1 19 2 19 3 19 4 and 19 5 do not apply if you are not a resident of Australia We are required to withhold Australian non resident withholding tax from interest income earned on your account which is currently 10 Bendigo Business CommunitySaver Account If you have a Bendigo Business CommunitySaver Account the following clause applies 19 6 The personal circumstances of each customer are different and we encourage you to seek independent taxation advice 19 7 We may pay commission to eligible partners associated with this a
97. ne your PIN or password do not record your PIN or password anywhere in electronic or written form and in particular not on the user guide provided by us upon registration d do not select a PIN that is easily identified vvith you e g your date of birth your name or part of it or your phone number e do not select a PIN that is a common or easily guessed combination e g repeated or consecutive numbers such as 5555 or 1234 f do not provide your access number PIN password or card to any person including a family member or a friend g do not allow any unauthorised person to observe or hear your PIN or password You must also ensure that your additional cardholders do each of these things If you have a card you must also ensure that you a sign your card as soon as you receive it b keep your card in a safe place c check regularly that you have your card in your possession d take steps to ensure that no one else has access to the PIN notification you receive through the mail We recommend that you destroy the PIN notification once you have memorised it 39 Bendigo Business Accounts and Facilities e do not record your PIN on your card or carry any record of your PIN in an undisguised form vvith the card merely placing a couple of digits at the beginning or end of your PIN disguising it as a telephone number or birth date is not sufficient f do not let anyone use your car
98. nity Enterprise Foundation supports both tax deductible and non tax deductible donations Community Enterprise Foundation charges a nominal administration fee These fees cover administration of the trust funds and expenses incurred in granting activity Donations to the Community Enterprise Foundation are used to support various charities and are distributed at the discretion of the trustees Bendigo Business Accounts and Facilities Section E Passbooks 39 About your passbook 39 1 If you have a Bendigo Trust Account unless you have elected to receive a statement you will obtain a passbook for that account 39 2 If you have a Bendigo Trust Account your passbook is a record of the transactions on your account Each time you present your passbook for updating we will record particulars of each transaction on your account including the amount of the transaction and the current balance of your account You should present your passbook each time you make a deposit or withdrawal at one of our branches If you receive direct credits into your account or use your account for phone or e banking you should regularly present your passbook at one of our branches for updating If you do not present your passbook for updating you may not be able to receive direct credits i e wages dividends or perform phone or e banking transactions If you do not present your passbook for updating we may send you a print out of the updated entrie
99. nking 3T 53 Confirmation of transactions f 54 Our responsibility for Bendigo Phone Banking and Bendigo e banking f 55 Liability 38 Section H Use and security of your card access number security token passvvord and PIN 38 56 Protecting your card access number passvvord security token and PIN 38 57 Loss theft and unauthorised use of your card access number password PIN or token 39 58 Your Liability Non PIN generated transactions 40 Section EFT Transactions PIN Password and or access number generated transactions 41 59 Liability for authorised transactions 41 60 Liability for unauthorised transactions 41 Bendigo Business Accounts and Facilities Section J BPAY 42 Section N Bendigo Bulk Payments 49 61 About the BPAY scheme 42 94 Bendigo Bulk Payments 49 62 Using the BPAY scheme 42 95 Registering for Bendigo Bulk Payments 50 63 Payments 43 96 Using Bendigo Bulk Payments 50 64 Incorrect payment amount to a biller 43 97 Rejections 50 65 When a biller cannot process a payment 43 98 Bulk Electronic Clearing System 51 66 Suspension of BPAY 43 99 Liability 51 67 Cut off times 43 68 Liability for mistaken payments unauthorised transactions and fraud 43 Section K BPAY View 44 69 About the BPAY View service 44 70 Registering Deregistering for the BPAY View service 44 71 Security token 44 72
100. ny of these places c sent by facsimile to your residential or business facsimile last know to us d give by any other means permitted by law You must give us any information or documents we require to identify you or any person authorised to operate your account Subject to the requirements of any law you authorise us to check the authenticity of any such information or documents that you give to us Enforcement expenses may become payable if you breach these terms and conditions For instance if you overdraw your account without our written permission we may take legal action to recover the debt Any reasonable expenses we incur in recovering our debt will be payable by you and you authorise us to debit the amount of these expenses to your account 29 Bendigo Business Accounts and Facilities Our rights under these terms and conditions 28 7 We may choose at any time to waive any of our rights under these terms and conditions Subject to any applicable lavv a vvaiver by us is not a change to and does not reduce our rights under these terms and conditions unless we give you written notice that it is a change to these terms and conditions 28 8 Nothing in this document has the effect of excluding restricting or modifying rights in the Australian Securities and Investments Commission Act or Competition and Consumer Act which cannot be excluded restricted or modified by agreement If your account or payment facility
101. o another financial institution and b any omission delay or failure on the part of the other financial institution in processing that payment If we debit or credit your account under an Automatic Payment arrangement we are not acting as your agent or the agent of another person We are not liable for any loss or damage to you from us not acting as you require Section M Pay Anyone Service This section applies if you use the Pay Anyone Service 84 About the Pay Anyone Service 84 1 The Pay Anyone Service is an online service that allows you to transfer funds directly to any account at any financial institution within Australia that is identified by a valid BSB number and account number You can only transfer funds using the Pay Anyone Service if you have access to Bendigo e banking 48 Bendigo Business Accounts and Facilities 84 2 84 3 Application for access to the Pay Anyone Service vill require you to purchase a security token A fee will apply to this service Loss or damage to your security token may incur a replacement fee Current fees and charges are set out in See the Schedule of Fees Charges and Transaction Account Rebates Once activated you can arrange to set up regular and future dated transfers to any account at any financial institution within Australia that is identified by a valid BSB number and account number 85 Registering deregistering for the Pay Anyone Service 85 1 85 2 You
102. o use Bendigo Phone Banking or Bendigo e banking to access or access and operate your nominated account and who is registered with us as an authorised user for use of Bendigo Phone Banking or Bendigo e banking b entertained debit card means a Community Sector Banking debit card that can be used to access a Community Sector Banking b entertained Account b packaged debit card means a Community Sector Banking debit card that can be used to access a Community Sector Banking b packaged Account BECS means the Bulk Electronic Clearing System which is the system used for exchange of most electronic transactions betvveen financial institutions in Australia and s governed by APCA Bendigo Bank equipment means electronic equipment controlled or provided by or on behalf of us to facilitate EFT transactions Bendigo and Adelaide Bank Group means Bendigo Bank and its related bodies corporate Bendigo Bank system means an electronic system communications system or software controlled or provided by or on behalf of us to facilitate EFT transactions Bendigo Blue Debit card means a debit card issued by us to you or an additional cardholder for personal use that bears either the Visa or MasterCard symbol Bendigo Business Blue Debit card means a debit card issued by us to you or an additional cardholder for business use that bears the MasterCard symbol Bendigo Easy Money card issued to you or an add
103. of interest depending on the balance of your account One interest rate will apply to the entire balance of your account but that rate may depend upon the amount of your balance When your balance reaches a higher tier you will receive the interest rate for that tier on the entire balance of your account For example if the rate of interest is 0 05 p a where the account balance is less than 2 000 and 1 50 p a where the account balance is 2 000 or more and your account balance is 3 000 the rate of interest applying to the entire balance of your account will be 1 50 p a user ID means your unique number which is recorded on APCA s national database and enables us to process your bulk payment transactions within BECS Bendigo Business Accounts and Facilities Vasco One Touch Security Token is a security token which is a convenient key ring size With the touch of one button it generates a one time code for use in e banking during the logon sequence or payment authentication Verified by Visa means the online authentication service provided for Visa cardholders when making online transactions at participating merchants Vasco Professional Security Token a security token which you can hold in your hand It has a small keypad like calculator and requires the entry of a pin for generation Of a one time code for use in e banking during the logon sequence or payment authentication The keypad has a cover to protec
104. of an employee that you nominate and each nominated employee or employee s domestic partner will be an additional cardholder for the purpose of these terms and conditions You the employer will be liable for overdrawn amounts on a Community Sector Banking b entertained Account An additional cardholder will not be liable for overdrawn amounts You the Employer agree to notify each Cardholder and Additional Cardholder of any restrictions that apply to the use of the Card There may be instances where the restrictions placed on a Card may not be effective This is usually where electronic approval of transactions is not available e g at paper credit card merchants or where electronic authorisation networks may not be fully functioning or it may be in circumstances where the Card is used at an authorised merchant but the items purchased are not compliant with tax legislation or ATO guidelines In these circumstances it may be possible for a Cardholder or Additional Cardholder to perform a transaction 33 Bendigo Business Accounts and Facilities 41 4 41 5 41 6 41 7 41 8 41 9 41 10 that would otherwise be restricted or ineligible You agree that in no circumstances will we be liable to you because any transaction for which authorisation is sought proceeds notwithstanding a restriction has been nominated by you or a transaction made on the Card is otherwise not compliant with tax legislation or ATO guidelines and y
105. ominated account We can process direct credit Bendigo Business Accounts and Facilities entries such as payroll creditor supplier payments or landlord disbursements after lodgment of your Data Files using Bendigo e banking 95 Registering for Bendigo Bulk Payments 95 1 952 95 3 95 4 To be eligible for Bendigo Bulk Payments a you must have access to Bendigo e banking b you must be a registered business which we define as a company i e your company s name ends in Pty Ltd or Ltd or a trading entity ie your business name includes t as c you must have a registered business number and d you must complete a Bendigo Bulk Payments Application Form and a Bendigo Bulk Payments Direct Debit Form The Application Form contains provision for dual application which means that you can register two authorised signatories as a security checking mechanism The identity of these persons can be changed by you from time to time If we approve your application we will register you with APCA and obtain a user ID number for you which allows us to exchange direct entry work in BECS It takes a minimum of 10 business days after we have received your completed application before you can commence using Bendigo Bulk Payments You must be able to create your Data Files using ABA format If your business uses software which creates Data Files using ABA format you will not need to obtain additional software Most ac
106. on your account credited to the Community Enterprise Foundation to having all of the interest earned on your account credited to the Community Enterprise Foundation you may do so at any time by giving us notice in writing completing our Nomination of Rate of Return form or by visiting one of our branches Any change to your election may have an impact on any negotiated interest rate refer to clause 1 14 5 16 If you neglect to nominate the value of interest to be credited to the Community Enterprise Foundation we will set the account to all of the interest earned on your account credited to your account 5 17 Where you request a change to your interest donation the effective date of the change will apply from the last interest payment date as outlined in the Key Features Table on page 6 For example a request to change the interest donation from half to full that is received by us on 5 November will become effective from 1 November in that same year 5 18 t is your responsibility to include the interest earned on your tax return each financial year 5 19 All financial transactions referenced as donation on your monthly statement may be included in your tax return representing you donation made to the Community Enterprise Foundation TM 5 20 For tax purposes please retain your statement Bendigo Business Flexi Offset Account 5 21 offset option is only applied if the Bendigo Business Flexi Offs
107. ons carried out using a PIN password and or access number by you or by anyone else with your knowledge and consent 59 2 If Bendigo Bank equipment or a Bendigo Bank system malfunctions after having accepted your instructions or fails to complete the transaction in accordance with your instructions resulting in loss to you of some or all of the amount of a transaction we will correct that loss by making any necessary adjustments to your account including an adjustment of any interest or fee If you consider that you have incurred additional losses as a consequence of the malfunction you may make a claim for any such loss 59 3 If you are aware or should have been aware that the Bendigo Bank equipment or Bendigo Bank system was unavailable for use or was malfunctioning then our responsibility will be limited to the correction of errors in your account and the refund of any fee imposed as a result 59 4 We may withdraw electronic access to your account without prior notice to you in the event of any Bendigo Bank equipment or Bendigo Bank system malfunction 60 Liability for unauthorised transactions 60 1 You will not be liable for losses arising out of a unauthorised transactions where it is clear that you have not contributed to the loss b the fraudulent or negligent conduct of our employees or agents or companies involved in networking arrangements or of merchants who are linked to the EFT system or their agents or employe
108. ons when using electronic equipment An access method comprises of one or more components including but not limited to a card a PIN an access number password or any combination of these that does not include a method requiring the user s manual signature where the comparison of the manual signature with the written specimen signature is the principal means of authenticating you or an additional cardholder s authority to give us an instruction access number means the number we issue to you and your authorised user to enable access to Bendigo Phone Banking or Bendigo e banking account means an account or accounts we establish in your name or in your name jointly with another person or in the name of your business or associated entity additional cardholder is defined in clause 14 1 APCA means Australian Payment Clearing Association the governing body for most electronic transactions between financial institutions in Australia ATM means an automatic teller machine Authentication key is a random 6 digit number generated by a security token for a second level of authentication for your logon or payment This should be entered on request when you have a security token attached and activated for your access ID authorised signatory is defined in clause 14 and includes without limitation an additional cardholder and or an authorised user authorised user means any third party authorised by you t
109. onsent liability for the unauthorised BPAY payment will be determined in accordance with clause 60 Otherwise except as set out in this clause we will not be liable for any loss or damage you suffer as a result of using the BPAY scheme If a BPAY payment is made to a person or for an amount which is not in accordance with your instructions if any and your account has been debited with the amount of that payment we will credit that amount to your account However if you were responsible for a mistake resulting in that payment and we cannot recover the amount within 20 business days of us attempting to do so from the person who received the amount of that payment you must pay us that amount and you authorise us to debit that amount to your account If a BPAY payment is made in accordance with a payment direction which appeared to us to be from you or on your behalf but for which you did not give authority we will credit your account with the amount of that unauthorised payment However you must pay us the amount of that unauthorised payment and you authorise us to debit that amount to your account if a we cannot recover that amount within 20 business days of us attempting to do so from the person who received it and b the payment was made as a result of a payment direction which did not comply with any requirements we may have for such payment direction If a BPAY payment is induced by the fraud of a person invo
110. or we suffer arising from any breach by you of such undertakings 4 2 a you will not initiate engage in or effect a transaction that may be in breach of Australian law or sanctions or the law or sanctions of any other country and b the underlying activity product for which internet banking is being provided does not breach any Australian law or sanctions or the law or sanctions of any other country More information is available from the Australian Transaction Reports and Analysis Centre AUSTRAC 1800 021 037 or Customer Contact and Care 4 3 Bank Post and its device mark are trademarks registered or otherwise of Australian Postal Corporation All rights reserved b mail c by arranging an automatic deposit of your salary or other income or amounts to be paid directly into your account d if your account can be accessed by a card other than a b packaged card or b entertained Card at any Bendigo Bank ATM which accepts deposits or at a Post Office using Bank Post where available and subject to restrictions see clause 42 5 e if you have access to Bendigo Phone Banking or Bendigo e banking by transferring funds electronically using these facilities f by arranging an electronic credit from another Bendigo Bank account or Community Sector Banking Account or g by arranging an electronic credit from another financial institution Please note the only deposits to be made into a b p
111. ord of the PIN 56 8 You must not act with extreme carelessness in failing to protect the security of your PIN where extreme carelessness means a degree of carelessness that greatly exceeds what would normally be considered careless behaviour An example of extreme carelessness is storing your PIN in an unprotected computer or diary under the heading PIN 57 Loss theft and unauthorised use of your card access number password PIN or token 57 1 You must notify us immediately if a any record you may have of your PIN or password or any record your authorised user or additional cardholder may have of their PIN or password is lost or stolen b someone has stolen your card or your additional cardholder s card c you or your additional cardholder have lost your card d you become aware or suspect another person knows your PIN or password or has used your PIN or password without your authority e you or an additional cardholder become aware or suspect another person knows their PIN or password or has used their PIN or password without their or your authority f someone steals your security token from you g you lose your security token In Australia phone Bendigo Bank on Customer Contact and Care 1300 BENDIGO 1300 236 344 between Sam 8pm Monday to Friday Local hours 9am 4pm Saturday Local hours and 9am 4pm Sunday Local hours or Lost and stolen card after hours hotline 1800 035 383 thi
112. osit account referred to in clause 1 9 Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates You can find out the current costs at any time by contacting one of our branches phoning 1300 BENDIGO 1300 236 344 or by visiting our website www bendigobank com au For Community Sector Banking phone 1300 CSBANK 1300 272 265 or visit the Community Sector Banking website at www communitysectorbanking com au 19 Bendigo Business Accounts and Facilities 6 2 VVe may change our fees and charges from time to 8 2 time including introducing new fees and charges and Government charges may change at any time However we will not introduce entry fees exit fees or charges for the management of funds excluding charges for the maintenance of the account There is no maximum limit for the amount of fees and charges we may impose If the law regulates such a change we will only make the change to the extent permitted by and subject to the requirements of that law We may at our sole discretion waive any or all fees and charges from time to time substitute one fee or charge for an alternative fee or charge or impose a lower fee or charge For example If a direct debit dishonour fee is chargeable to your account due to insufficient funds or your account is overdrawn our branch manager may charge you the lower overdrawn account fee of 27 50 8 3 instead of the direct debit
113. ot operate your account for 7 years and there is less than 500 in your account your account 18 2 may be closed 17 3 We will send you a letter prior to closing your account advising you that your account is dormant and that you have the following options a you can make a transaction to re activate the account b you can contact our Customer Help Centre on 1300 361 911 advising that you would like to 18 3 re activate your account c you can close the account or You agree that we can give notice of changes to these terms and conditions any material change to or any significant event that affects any of the matters specified in this document in writing including changes to fees and charges and interest rates by an advertisement in a major daily newspaper or at such other frequency as published by the overseas local major newspaper as applicable or in any other way permitted by law The following table below sets out how and when we will notify you of changes d you can close the account and open another account more suitable to your needs Type of change Minimum number of days notice Manner of giving notice Any change that is an increase in fees In writing or by an advertisement in a major daily newspaper or at such other 30 frequency as published by the overseas or charges local nevvspaper as applicable or n any other vvay permitted by lavv A
114. ou indemnify us against all costs or liabilities incurred by us as a result of any transaction made on the Card 42 1 42 2 The issue and use of a card is at all times at our discretion The card will always remain our property and must be returned to us on demand We may issue replacement cards at any time For example we may issue a replacement card when the cardholder has changed his or her name or when the card has been damaged If we issue a replacement card to you or an additional cardholder you or the additional cardholder must not use the card it replaces and you remain liable for any use of the replaced card 42 3 Before the expiry date of your card we will automatically issue you with a renewal card unless you request us in writing not to do so In the case of a b packaged card we will forward the renewal card to the account owner the employer address nominated by your organisation in relation to your Community Sector Banking b packaged Account In the case of a b entertained card we will forward the renewal card to the account owner the employer address nominated by your organisation in relation to your Community Sector Banking b entertained Account At least two months prior to your card expiring you must notify us of any changes to your address This will ensure our records are up to date in the event that we mail your reissued card directly to you 42 4 You must sign your card as soon as you receive 42 5
115. ount payee only These words on a cheque are a warning to a bank with which the cheque is deposited that the cheque should be paid only to the person named in the cheque as payee 34 What is the significance of deleting or bearer 34 1 The words or bearer mean that except in the case where the cheque is crossed and must therefore be collected by a bank the bank on which the cheque is drawn has authority to pay it to any person in possession of it even if that person found it or sold it unless the bank has reason to suspect that the cheque might have fallen into the wrong hands If you delete these words the cheque becomes an order cheque 34 2 If a cheque is an order cheque then except in cases where the cheque is crossed and must therefore be collected by a bank the bank on which the cheque is drawn should only pay it a to the named payee or b to any other person to whom the named payee by endorsing the cheque on the reverse side has ordered it to be paid 35 Stopping your Cheque 35 1 You may request payment to be stopped on a cheque which has not yet been presented for payment However you must pay us a fee for this service Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates 35 2 To stop a cheque you must call into your local branch or telephone Customer Contact and Care on 1300 BENDIGO 1300 236 344 You should identify the cheque
116. our account s become overdrawn without arrangements and remain overdrawn for more than 60 days after the end of the any period we allow for you to repay the amount overdrawn then we may commence enforcement action and report your default to a credit reporting agency Section C Cheque Facility This section applies if you have a cheque facility 29 Availability of the cheque facility A cheque facility is only available in connection with some accounts The Key Features Tables on page 3 indicate the accounts in respect of which a cheque facility is available and eligibility requirements that apply In addition you must be 18 years of age or over to apply for a cheque facility 30 Issuing and Writing Cheques 30 1 Your right to use cheques drawn on us and the cheque book issued by us is at all times at our discretion We reserve the right at any time to suspend or withdraw those rights and facilities or to refuse to pay any cheque The cheque facility is not available for use outside Australia The cheque book and all unused cheques will always remain our property and if we ask they must be returned to us 30 2 a You may only write cheques on the forms we supply or approve All cheques that you write must be completed clearly and signed by you or an authorised signatory You should only sign a cheque after it has been filled out b You must not sign blank cheques If you sign a blank cheque you risk the person you
117. p them to reconcile to your statement or passbook We strongly advise you to keep all of these documents in a safe place as you may need them to do things such as complete tax returns confirm payments have been made for goods and services and check what payments and cheques are unpresented and how much money you have in your account at any one time If you misplace any of your account records or need us to provide you with information about any of your transactions such as cheques you have written out or interest payments for tax purposes we can help by conducting a search of our records A fee may apply for this service to cover our costs Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates You should keep your credit card vouchers and printed records of transactions to reconcile to your statements We are not obliged to provide you with copies of merchant or transaction vouchers 13 Joint accounts 19 1 This clause applies if an account is in two or more names jointly z Bendigo Business Accounts and Facilities Understanding your obligations 13 2 13 3 13 4 13 5 13 6 13 7 13 8 You may choose to operate accounts jointly with other persons If you do your liability under these terms and conditions is both joint and several This means that each of you is liable both on your own and together for the whole of any debit balance on the account Yo
118. r Customer Help Centre on Telephone 1300 361 911 8 30am 6 00pm Victorian time Monday to Friday or Fax 1300 367 615 or E mail feedback bendigoadelaide com au d completing the Customer Feedback form online at www bendigobank com au 26 Bendigo Business Accounts and Facilities 21 4 e contacting Community Sector Banking on 1300 CSBANK 1300 272 265 8 30am 6 00pm Victorian time Monday to Friday or Fax 02 4255 8420 or Email customerservice csbanking com au Experience tells us that most concerns or complaints can be fixed at this level If however your concern or complaint requires specialist attention the appropriate staff member will respond to you promptly advising the expected timeframe resolution will take Concerns or complaints about EFT transactions 21 5 If your complaint is in relation to an EFT transaction we will advise you in writing of the procedures for investigating and handling the complaint a If we are unable to resolve the complaint within 45 days we will notify you of this fact inform you of the reasons for the delay provide you with monthly updates on the progress of your complaint and specify a date by which a decision can reasonably be expected unless we are waiting for a response from you and we have told you that we require that response b and the complaint involves a credit card account and we decide to exercise any rights we may have under the rules of t
119. r in the case of Bendigo Bulk Payments APCA Regulations We will take and promptly process your instruction to cancel a direct debit request which is set up using your account number You may cancel a direct debit request at anytime by giving us notice in writing via telephone via secure email or by coming into one of our branches and talking to a staff member You are encouraged to maintain a record of any Regular Payment Arrangement entered into with a merchant using your card number To either change or cancel any Regular Payment Arrangement set up using your card number you should contact the merchant at least 15 days prior to the next scheduled payment Until you attempt to cancel the Regular Payment Arrangement with the merchant directly we must accept the merchants transaction If possible you should retain a copy of their change cancellation request Should the merchant fail to act in accordance with these instructions you may have rights to dispute the transaction Should your card number be changed i e as a result of lost or stolen card you must request the merchant to change the details of your existing Regular Payment Arrangement to ensure arrangements continue If you fail to undertake this activity your Regular Payment Arrangement either may not be honoured by us or the merchant may stop providing the goods and or services Should you elect to close your card account or your account is closed by us you should con
120. r the BSB and account numbers correspond to the account name which you advise us You are liable for any payment we carry out in accordance with your instructions 82 Timing of the Automatic Payment az 82 2 82 3 82 4 82 5 f the automatic payment is a direct debit the details regarding timing of the payment will be outlined in the Direct Debit Request Service Agreement your biller has supplied to you If the automatic payment is a periodical payment or sweep facility we will process the payment in accordance with our agreement with you at the time the periodical payment or sweep facility is established You must ensure that you have sufficient cleared funds available in your account from which a payment will be made to enable that payment to be made If the payment date falls on a day other than a business day those funds must be available by 10am Victorian Time on the previous day If you have insufficient funds in your account any direct debits may be returned unpaid dishonoured to the originating third party However we will attempt to make periodical payments from your account before 8am Victorian Time for three consecutive days Another attempt will be made on the fourth day and if still unsuccessful you will be notified in writing that no more attempts will be made and you should call into one of our branches to arrange payment 82 6 82 7 82 8 To transfer payment via a sweep facility on
121. r use of the Pay Anyone Service via Bendigo e banking 88 Payments 88 1 88 2 88 3 88 4 88 5 We may impose restrictions on the accounts from which a Pay Anyone Service transfer may be made or impose limits on the amount of a Pay Anyone Service transfer We may decide not to make a payment if there are insufficient funds available for withdrawal in the specified nominated account to be debited on the due payment date A delay may occur in the processing of a Pay Anyone Service transfer where a there is a public or bank holiday on the day you instruct us to make a Pay Anyone Service transfer b you instruct us to make a Pay Anyone Service transfer on a day which is not a business day or after our payment cut off time on a business day If you hold insufficient cleared funds in your nominated account on processing day we will notify you via email We will attempt again to process your Data Files Subject to available cleared funds on the following 3 business days Regardless of when an immediate Pay Anyone transfer is made the account from which you want us to debit the Pay Anyone transfer will be debited immediately 49 Bendigo Business Accounts and Facilities 89 If a transfer amount is incorrect You must ensure that the information you give us in relation to each Pay Anyone Service transfer is correct If you discover that we have been instructed to make a transfer for an incorrect amount a
122. ransaction We do not accept a refusal of a chargeback by a merchant s financial institution unless it is consistent with card scheme rules Electronic transactions If the ePayments Code is applicable to a disputed transaction the timeframes as specified in 67 3 may not apply in certain circumstances Our ability to dispute a transaction on your behalf where a chargeback right exists may be lost if you do not notify us within the required timeframes For this reason it is in your interest to report any disputed transaction to us immediately and certainly no later than the due date shown on the statement of the account Where it can be shown that you have unreasonably delayed notifying us you may be liable for the loss on any disputed transaction If a dispute is withdrawn or resolved in favour of the merchant a voucher retrieval fee may apply Where a dispute is resolved in your favour we will make the necessary adjustments to any interest and fees charged as a result of your dispute To report an unauthorised transaction please contact the Bendigo Bank by Secure email Downloading a form from our website at www bendigobank com au Telephone 1300 236 344 or In person at your local branch Bendigo Business Accounts and Facilities Section EFT Transactions PIN Password and or access number generated transactions 59 Liability for authorised transactions 59 1 You are responsible for all transacti
123. re available and subject to restrictions see clause 42 5 c if you have access to Bendigo Phone Banking by transferring funds electronically using BPAY d if you have access to Bendigo e banking by transferring funds electronically using these facilities Bendigo Bulk Payments Pay Anyone Service BPAY Telegraphic Transfer e using an Automatic payment other than a b entertained account f if your account has a cheque facility by writing cheques using a cheque book issued or authorised by us g by bank cheque Some of the above methods for withdrawals may not be accessible by you when you are not in Australia We can at our discretion impose a limit on the amount you can withdraw in cash from your account at a branch from an ATM or through EFTPOS Our current maximum daily withdrawal limit for transactions conducted using a PIN and a card is 1 000 We may vary the amount of this limit from time to time We may also limit the way in which money is dispensed As an example if you want to withdraw 400 and that amount is not in excess of the maximum daily withdrawal limit the ATM may not pay out on that amount in one transaction You may receive 300 and then make another withdrawal of 100 as a separate transaction If your card is a b packaged debit card or a b entertained debit card you cannot make any withdrawals in cash from any ATM or through EFTPOS You should ensure that the purchase a
124. rned on the account credited to your account see clause 5 14 When opening a Community Sector Banking Social Investment Deposit Account you may be eligible for an increase in your interest rate at the sole discretion of Community Sector Banking To be eligible for this discretionary interest rate increase you must a maintain a minimum balance in your account at all times as agreed between you and Community Sector Banking and b have selected to donate half or all of the interest rate earned on your account to the Community Enterprise Foundation or c have selected to donate to the Community Enterprise Foundation a specified amount per month equal to not less than half of the interest that is earned for that month on your Community Sector Banking Social Investment Deposit Account If after opening the account you no longer meet the eligibility requirements set out in this clause 1 14 your interest rate will revert to the normal rate of interest applicable to that account as determined from time to time To be eligible for a Community Sector Banking b packaged Account you must provide us with proof that you are a Public Benevolent Institution within the community sector when you open the account Note The b packaged Account assists a Public Benevolent Institution to utilise its Fringe Benefits Tax exemption FBT The FBT exemption is subject to a capping threshold of 30 000 per employee If an organisation
125. s Those funds will then be available for withdrawal from your recipients accounts Generally amounts will be credited to recipients accounts overnight however this is subject to individual arrangements between us and the recipients financial institution If you hold insufficient cleared funds in your nominated account on processing day we will notify you via email We will attempt again to process your Data Files subject to available cleared funds on the following 3 calendar days To prevent delays or complications arising in the processing of your Data Files you must ensure that a you have provided us with correct details of the accounts held by your recipients including BSB numbers account numbers and account names and b you hold sufficient cleared funds in your nominated account to cover the total amount of transactions contained within your Data Files You must use a security token to authenticate payments made via Bendigo Bulk Payments The provisions in clause 87 in relation to the use of security tokens for the Pay Anyone Service apply equally to Bendigo Bulk Payments You are responsible for completing all administration tasks relating to Direct Crediting including dealing with requests for amendments including switching of accounts 97 Rejections If your Data Files have been processed via Bendigo Bulk Payments and rejections occur as a result of an action taken or not taken by your recipients
126. s conducted using your Bendigo Business Blue debit card Bendigo Visa credit card or Bendigo MasterCard credit card incur a fee Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates They are then converted depending on the foreign currency converted into either a Australian dollars at the appropriate MasterCard International exchange rate or Visa International exchange rate or b United States Dollars and then into Australian dollars at the appropriate MasterCard International exchange rate or Visa International exchange rate 45 2 Australian dollar amount is then debited to your primary demand deposit account or your Community Sector Banking b packaged or b entertained Account 45 3 When you use your card outside Australia you are bound by any exchange control requirements of the Reserve Bank of Australia Section G Bendigo Phone Banking and Bendigo e banking This section and Section apply if you register for access to Bendigo Phone Banking or Bendigo e banking 46 Applying for Bendigo Phone Banking or Bendigo e banking 46 1 You may apply for access to Bendigo Phone Banking or Bendigo e banking by completing customer registration through Customer Contact and Care or at any of our branches Approval of an application is at our discretion 46 2 Bendigo Phone Banking and Bendigo e banking are not available for all accounts The Key Features Tables starting on pa
127. s for your record of these transactions on your account In this instance these transactions will then not be updated in your passbook 39 3 By opening a Bendigo Trust Account with a passbook you agree that a you can present your passbook for updating at any of our branches b it is your responsibility to have your passbook updated at regular intervals and c the ability to have your passbook updated at one of our branches is the facility through which confirmation of transactions on your account are provided to you 39 4 We will not charge any fee associated with your passbook or the entry of particulars into your passbook 40 Security of your passbook 40 1 Your passbook should be safeguarded from theft or unauthorised use Under no circumstances should you keep a visible record of your signature with your passbook This includes signed withdrawal forms or cards 40 2 You must notify us as soon as possible of the loss theft or misuse of your passbook by contacting us at one of our branches or by phoning 1300 BENDIGO 1300 236 344 If you fail to notify us as soon as possible you may be held liable for any unauthorised transactions occurring on your account before you notify us and you authorise us to debit any such amounts for which you are liable to your account Section F Cards This section and Section H apply if we issue a card that is linked to an account to which this document applies However they only
128. s includes a A person who is authorised to access and operate your account an authorised signatory b A person who is authorised to access and operate your account with card access only an additional cardholder and c a third party authorised by you to only use Bendigo Phone Banking or Bendigo e banking to access or access and operate your nominated account and who is registered with us as an authorised user for use of Bendigo Phone Banking or Bendigo e banking an authorised e banking user Authorised Signatory for a Community Sector Banking b packaged Account 14 6 or b entertained debit Account and the holder of a b packaged card or b entertained card issued in relation to the account We will automatically give Bendigo e banking Restricted Access to your nominated Authorised Signatory for a Community Sector Banking b packaged Account or b entertained debit Account and the holder of a b packaged card or b entertained card issued in relation to the account Where there is more than one authorised signatory you must specify how many of the authorised signatories must authorise a transaction in order to operate your account Your instructions in relation to how many authorised signatories must authorise a transaction in order to operate your account are called operating instructions If you are a company body corporate club or association we may require appointment of authorised signatories and directions as to op
129. s service is available 24 hours a day 7 days a week Overseas By telephone on 61 3 5485 7872 or by fax on 61 3 5485 7613 If you have a Bendigo Business Blue debit card with a Visa symbol Community Sector Banking b packaged card Community Sector Banking b entertained Card or a Bendigo Visa credit card phone 1 303 967 1090 reverse charges this service is available 24 hours a day 7 days a week or visit the Visa International website at www visa com to obtain a toll free number for the country you are travelling in If you have a Bendigo Business Blue Debit card with a MasterCard symbol Community Sector Banking b packaged card Community Sector Banking b entertained Card or Bendigo MasterCard credit card phone 1 636 722 7111 reverse charges this service is available 24 hours a day 7 days a week or visit the MasterCard International website at www mastercard com to obtain a toll free number for the country you are travelling in Bendigo Business Accounts and Facilities 57 2 Any unreasonable delay in notifying us may expose you to liability for losses incurred as a result of unauthorised access or transactions Liability for unauthorised transactions is set out in clauses 60 57 3 If for any reason you cannot contact the hotline then contact your local branch or phone 61 3 5485 7872 during normal business hours You are not liable for any unauthorised transactions which could have been prevented during any period
130. sed transactions occurring on your account before you notified us and you authorise us to debit any such amounts for which you are liable to your account Example If you become aware that your partner has been using your cheque book and you delay or fail to report your partner s activity to us you may be deemed to have consented to your partner s use of your cheque book and vill not be able to make a claim at a later date 37 5 You agree to promptly review your account statements You must notify us within 30 days of the date of receipt of a statement of account if you have any cause to suspect that there is any cheque withdrawal recorded on your statement that you did not authorise or that the information relating to any cheque withdrawal is incorrect If you do not then subject to any applicable law you do not have any right to make a claim against us in respect of such withdrawal for example a forged cheque 38 Liability 38 1 Neither we nor Community Sector Banking will be responsible or liable for a any arrangement or transaction which is conducted or processed by us on your behalf b the dishonour or failure to dishonour any cheque drawn by you c any delay or failure in processing a transaction on your behalf d any damages or loss whatsoever that you may suffer as a result of a cheque being dishonoured and e any other actions taken or not taken in relation to your cheque facility 38 2 Neither
131. strictions to a make withdrawals from your primary demand deposit account b make deposits to your primary demand deposit account c transfer money from your primary demand deposit account d obtain account balances for your primary demand deposit account However the Post Office may have restrictions and Australian Post reserves the right not to process a transaction e make bill payments from your primary demand deposit account this includes b packaged cards Bank Post transactions can only be conducted through Post Offices in Australia You can use your card at any EFTPOS terminal in Australia to purchase goods and services and for all cards except b packaged Card or b entertained Card to withdraw cash from your primary demand deposit account providing the merchant operating the EFTPOS terminal has a policy which allows for cash withdrawals You can use your card at a contactless terminal to perform a contactless transaction if your card is capable of performing such transaction A cash withdrawal cannot be completed when performing a contactless transaction Outside Australia 42 9 42 10 42 11 42 12 You can use your Bendigo Easy Money card to withdraw from your primary demand deposit account at any ATM overseas bearing the PLUS symbol If your card is branded MasterCard you can access your funds from your primary demand deposit account using your Bendigo Business Blue except if it is
132. t it from accidental pressing of the keys we us our and Bendigo Bank means Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL No 237879 you and your means the holder of an account or if there is more than one of you all of you jointly and each of you severally and includes without limitation a person firm body corporate incorporated association club or authority who is an existing account holder with us The singular refers to the plural and vice versa A reference to a document includes any variation or replacement of it and any thing includes the whole and each part of it All examples used in this document are for illustrative purposes only Section B General terms and conditions Unless you have previously agreed to be bound by these terms and conditions your first use of any account or payment facility indicates that you understand and agree to be bound by these terms and conditions 1 Opening and holding an account 1 1 You must provide us with any information we reasonably require to open an account or provide a payment facility Where you wish to open an account in the name of a deceased estate you must provide us with the original or certified copy of one of the following a probate of the will of the deceased person granted to you as executor b letters of administration of the deceased person s estate granted to you as administrator or c death certificate of the
133. tact the merchant to amend any Regular Payment Arrangement set up using your card number as the merchant may stop providing the goods and or services You may alter stop or cancel a payment facility at any time by giving us notice in writing or by coming into one of our branches and talking to a staff member If your card is cancelled you must immediately return to us all cards issued to you or an additional cardholder cut in half for your protection You will be liable for any transaction you or any additional cardholder make until the card is returned to us If you use your card after it is cancelled we can tell any merchant that the card has been cancelled 23 Bendigo Business Accounts and Facilities 15 0 15 10 15 11 If your cheque facility is cancelled you must 46 5 immediately return to us all unused cheques We may dishonour any cheque presented after cancellation of your cheque facility You will be liable for any cheques presented after cancellation that have not been dishonoured If your access to Bendigo Phone Banking or Bendigo e banking is cancelled we may refuse any transaction you initiate through these facilities without giving any reason or advance notice to you If you cancel a direct debit periodical payment or sweep facility we must receive your instructions at least 1 business day prior to the due date of the next payment otherwise that payment may nevertheless be made For direct debit
134. tained by using your card We are not responsible if a merchant Post Office or financial institution refuses to accept your card does not allow cash withdrawals or places other limitations on using your card We are not responsible for the following unless the law says we are a any goods or services which you have obtained from a merchant using your card b any refund by a merchant If you have any complaints about goods or services you must raise them directly with the merchant We do not warrant that ATMs will always have money available 43 Card transactions 43 1 43 2 43 3 All transactions need authorisation from us We may refuse to authorise a proposed transaction if a the transaction exceeds the cleared funds b your card has been reported lost or stolen c we have any other good reason to do so You authorise us to give information to other persons for the purpose of authorising transactions made using your card or any additional card You authorise us to debit your account vvith the amount of any purchases vvithdravvals and any other transactions made using your card or any additional card 35 Bendigo Business Accounts and Facilities 44 Additional cards Please refer to clause 14 for information about requesting us to authorise a person as an additional cardholder to access and operate your account 45 Foreign currency transactions 45 1 Transactions in foreign currency amount
135. the payment due date Only one attempt will be made and if unsuccessful you will be notified in writing that no more attempts will be made and you should call into one of our branches to arrange payment A fee will be debited to your account in these circumstances Current fees and charges are set out in the Schedule of Fees Charges and Transaction Account Rebates If you have insufficient funds in your account on three consecutive payment due dates the authority will be cancelled and you will be notified in writing Subject to these conditions when you instruct us to make a payment to an account held with another financial institution we will endeavour to make that payment to the BSB number and account number you advise us If you give us instructions to make a payment on a business day after 10am on that business day we may process that payment the following business day 83 Liability 83 1 83 2 To the extent permitted by law and subject to any other provisions of these terms and conditions we are not liable for any loss or damage you suffer as a result of using the Automatic Payment facility or any delay omission or failure in respect of any payment Without limitation this includes if you request us to make a payment to an account held with another financial institution a any delay or failure to make a payment which results in a technical failure in the system we use to make a payment from your account with us t
136. the APRA website at http www apra gov au and the APRA hotline f any failure of a card access number password or PIN to permit you or your authorised signatory to access a payment facility g any unauthorised access to or disclosure of information relating to your account through a payment facility h any other action taken or not taken in relation to your account or a payment facility on 1300 55 88 49 28 Other The Australian Government has given notice that it is 28 1 reviewing the application of the Financial Claims Scheme to accounts held by non residents of Australia This may result in the Financial Claims Scheme no longer applying to accounts held with us by overseas customers 28 2 26 Anti Money Laundering and Counter Terrorism Financing AML CTF 28 3 26 1 We are committed to the regulatory requirements for anti money laundering and counter terrorism financing 26 2 To comply with these requirements we may a require you to provide to us or otherwise obtain any additional documentation or other 28 4 information b suspend block or delay transactions on your account or refuse to provide services to you c report any or any proposed transaction or activity to any body authorised to accept such reports relating to AML CTF or any other law 27 Liability Subject to any other provision of these terms and conditions to the extent permitted by law neither we nor Community Sector Bankin
137. the time of the transaction for example if you don t protect your internet access by using a firewall anti virus software and security tokens it could contribute to the chance of unauthorised transactions e if we conclude as a result of our investigation that your account has been incorrectly debited or credited we will promptly make adjustments to your account including making adjustments to interest and charges and notify you in writing of the amount by which your account has been debited or credited as a result f alternatively if we decide to resolve your complaint in your favour we may adjust your account accordingly within 7 business days of receiving the complaint and provide the information required by paragraphs c and e and close the investigation When we choose this course of action we are not required to comply with clauses 21 4 and 21 5 and paragraph d g if we fail to explain the reasons of any findings that you are liable by reference to relevant aspects of those paragraphs or in any material respect we fail to observe the complaint investigation and resolution procedures set out in this clause and where such failure has contributed to a decision by us against you or delayed the resolution of your complaint we may accept full or partial liability for the amount of the transaction which is the subject of your complaint Financial Ombudsman Service 21 6 11 21 8 We do not anticipate a si
138. together with your selected PIN or password is the means by which you use Bendigo Phone Banking and Bendigo e banking and we identify you and b anyone using your access number and PIN or password will be able to have access to and conduct transactions on a nominated account using Bendigo Phone Banking or Bendigo e banking 36 Bendigo Business Accounts and Facilities c the use of a security token in e banking will enhance the security of your access 47 3 You authorise us to act upon all instructions given to us using your access number and PIN or password and subject to any other provision of these terms and conditions you are liable for any such instructions We may delay acting on an instruction 47 4 We may delay acting on an instruction 47 5 You agree that you are bound by the Bendigo Bank Website Terms of Use when you use our website 48 Services available using Bendigo Phone Banking and Bendigo e banking 48 1 By using Bendigo Phone Banking and Bendigo e banking you may be able to review the balance of a nominated account to determine the current or available balance transfer funds between nominated accounts arrange recurring or future specific date funds transfers Bendigo e banking only review the transaction history of a nominated account select a nominated account and hear or view transaction related details including the date of the transaction the type of the transaction such as a w
139. tuation where we cannot resolve a concern or complaint to your satisfaction However should this happen you have the option of referring the matter to the Ombudsman The Financial Ombudsman Service is an independent person appointed to help individual customers or small business customers resolve problems and disputes with their bank You do not have to pay if you ask the Ombudsman to help you The Ombudsman s role is to investigate matters only after customers have fully exhausted the established complaint procedures of their bank Bendigo Business Accounts and Facilities 21 9 You may obtain further information about this service by contacting the Ombudsman direct at Financial Ombudsman Service Australia GPO Box 3 Melbourne VIC 3001 Telephone 1800 FOS AUS 1800 367 287 Fax No 03 9613 6399 Website www fos org au Email info fos org au 22 If you have changed your name or address or your circumstances change 22 1 If you or your business have changed its name we will need to amend our records as soon as possible Before amending our records we will require evidence of the change such as a marriage certificate birth certificate decree nisi or dissolution of marriage or certificate of registration of change of name or certificate of registration of business name 22 2 If you have changed your address home business or email where relevant you must provide us with your new address as soon as possible either
140. u should carefully consider any arrangement which involves you becoming a joint account holder 14 2 It is up to you and the other joint account holder to specify how many signatories are required to operate a joint account Account operating instructions are part of your contract with us and may only be altered by written notification to us signed by each party to the joint account Despite any instructions you may give us to the contrary we may insist that the joint account only be operated on the signatures of all joint account holders if 14 3 a one of the joint account holders requests us in writing to do so or b we are notified of any dispute between the joint account holders or c we are notified of the death or bankruptcy of any of the joint account holders 14 5 You agree that each of you act as an agent for the other and that we can send a copy of a notice or statement to all or any one of you You agree that each joint account holder may have access to information about the account without the consent of the other joint account holders In the event of your death the account will be treated as the account of the surviving account holder s only 14 Authorised signatories and operating instructions 14 1 You may ask us in writing to authorise one or more other people to access and operate your account A person who is authorised to operate your account is called an authorised signatory Thi
141. us we need to obtain the following identification information as required by law including Know Your Customer requirements under anti money laundering and counter terrorism financing legislation This will include information such as for an individual name residential address and date of birth and fora business entity information such as details of directors and shareholders Where the customer is a Trust details of the Trustee and beneficiaries may be required We may also require other information such as information concerning the business activities business structure and reason for opening an account in Australia We may also require other information such as information about beneficial owner s and information about your activities and reason for opening an account in Australia Sole Trader All individual identification requirements Partnership Original certified copy or certified extract of the Partnership Agreement or Original or certified copy of the minutes of a partnership meeting approving the establishment of the business relationship or An original letter from the accountant or legal practitioner confirming the name and existence of the partnership dated within the last 12 months AND All company or individual identification requirements whichever is applicable Domestic Company Company Search to be completed by Bank Staff Foreign Company Company Search if registered in Australia to be co
142. variation of the method by which interest is calculated A variation of the frequency with which interest is debited or credited 20 rine A variation of the balance ranges within which interest rate apply Increase your liability for losses relating to EFT transactions 20 ne Impose remove or adjust the daily or periodical withdrawal limits applying to the use of an access method an 20 In writing account from which we permit you to initiate EFT transactions or electronic equipment Change to the EFT conditions BPAY conditions or Pay Anyone conditions that is not caught by the above In time to comply with any applicable law otherwise in advance of the date the change takes effect However we will not give you advance notice of a change necessitated by an immediate need to restore or maintain the security of the Bendigo Bank system or individual accounts In the manner required by any applicable law or if there are no such requirements in a manner which is likely to come to the attention of as many account holders as possible which may include by notice on or with your statement of account by notice on ATMs or in branches by an advertisement in a major daily newspaper Other changes to the terms and conditions apart from a change in Government charges payable directly or indirectly by you No later than the day on which the change takes effect In writing or by an advertisement in a major
143. wals identification documents to third party bodies as I Deposits required by law 27 We may request and you must provide further 4 1 0 to your account in a number documentary evidence of your identity as vve deem necessary to confirm your identity a at any of our branches by using a teller or one 2 8 may request that you produce and you must provide in person if necessary the original and or certified true copies of all documentary evidence confirming your identity Inability to confirm identity 29 In the event that we are unable to properly confirm your identity we may at our sole discretion reject your application suspend the operation of your account refuse transactions and or place a freeze on your funds until such time as your identity can be confirmed Additional Information 2 10 2 11 2 12 We may request and you must provide any other additional information we deem necessary in relation to your identity personal affairs business dealings and or the purpose of your relationship with us In the event you refuse or fail to provide us with the information we have requested we may at our sole discretion reject your application suspend the operation of your account refuse transactions and or place a freeze on your funds until such time as the information is provided You provide us with the following undertakings and indemnify us against any potential losses either you
144. we nor Community Sector Banking will be liable for paying on any altered or forged cheques and will not be liable for any such losses arising from or in connection with the paying on altered and or forged cheques where the alteration and or forgery could not be easily detected or where the alteration and or forgery is due to or has been facilitated by the omission negligence or fraud of you or your agents employees or any third party connected with the drawing of the cheques Section D Bendigo Business CommunitySaver Account Bendigo Bank has entered into a commercial agreement Alliance with various partners to provide financial support for their work These partners use the funds to support their long term Community development programs These partners have consented and have not withdrawn their consent to the inclusion of statements in this document about them The Bendigo Business CommunitySaver Account and the facilities to which this document applies are not issued guaranteed or underwritten by any of these partners Community Enterprise Foundation Bendigo Bank has established a national philanthropic foundation that will further enhance the prospects of communities through its role as the philanthropic arm of Bendigo and Adelaide Bank Group Community Enterprise Foundation will play a fundamental role in fostering stronger self reliant communities and the building of local social and commercial capital Commu
145. y Bank Staff AND Signed authorised original minutes of a meeting of the Government Body 22 If you are unable to visit a branch there is also a certifier method of identification available We can supply you with a special form which must be signed by an acceptable certifier 2 3 An acceptable certifier includes a solicitor police officer accountant and Justice of the Peace Please contact us for a complete list of all acceptable certifiers You will be required to show identification such as your drivers licence passport birth certificate or citizenship certificate to the acceptable certifier For acceptable certifiers overseas please contact us for details 2 4 There are special provisions for people under the age of 6 years and Aborigines and Torres Strait Islanders in isolated Bendigo Business Accounts and Facilities areas 1300 BENDIGO 1300 236 344 Verification 3 Payment Facilities 2 5 may and you consent to us doing so seek Depending on the type of account you hold with us you verification of your identification and identification may be able to gain access to one or more payment documents from independent sources and or third facilities The payment facilities that are currently available party service providers with each type of account are set out in the Key Features 2 6 Me vill keep copies of all documents provided Tables Starine on pass s by you and will disclose or provide copies of your 4 Deposits and Withdra
146. y in accordance with the operating instructions on the account You or an authorised signatory should only write a cheque if there is sufficient available funds in your account 30 7 When you provide a cheque to another you may not be able to recover possession of that cheque even if it is subsequently paid You agree that we are under no obligation to assist with the recovery of possession of any cheque and forever waive any right which you may otherwise have to require the Bank ti assist with recovery 31 What is the effect of crossing a cheque Crossing a cheque means drawing two transverse parallel lines from top to bottom on the face of the cheque When you cross a cheque you are telling the bank that the cheque must be paid into an account with a financial institution and not cashed 32 What is the meaning of Not Negotiable 32 1 The words not negotiable between two parallel lines across the face of a cheque mean that where the cheque is transferred the person who obtains the cheque has no greater rights than the person who transferred it to him or her 32 2 For example if your cheque has been stolen and passed by a thief to an innocent person you will be able to recover the amount paid on your cheque from the innocent person or the thief if they are found this is because the thief has no rights to the cheque and therefore has passed no rights to the innocent person 33 What is the meaning of acc
147. y or indirectly because you a did not observe any of your obligations under the terms and conditions in this section or b acted negligently or fraudulently in connection with the other terms and conditions Neither we nor Community Sector Banking are liable for any consequential loss or damage you suffer as a result of using Bendigo Phone Banking or Bendigo e banking other than any loss or damage which is due to our negligence or breach of any condition or warranty implied by law which cannot be excluded restricted or modified at all or only to a limited extent You acknowledge and accept that Bendigo Phone Banking and Bendigo e banking may only show transactions and balances current as at the previous business day Section H Use and security of your card access number security token password and PIN This section applies if you have a card access number security token password or PIN 56 Protecting your card access number password security token and PIN 56 1 56 2 56 3 56 4 The security of your card access number security token password and PIN is very important You may be liable for unauthorised transactions and the risk of unauthorised transactions increases if you do not keep your card password and PIN secure Your liability is governed by clause 60 You must ensure that you a keep your card access number security token password and PIN secure and protected b do not tell anyo
148. y us immediately if a you become aware that you may have made a mistake except in relation to the Pay Anyone Service transfer amount see clause 86 above when instructing us to make a Pay Anyone Service transfer b you did not authorise the Pay Anyone Service transfer from your account c you believe a Pay Anyone Service transfer was not processed in accordance with your instructions including delays d you think you have been fraudulently induced to make a Pay Anyone Service transfer 93 2 will attempt to rectify any such matters in relation to your Pay Anyone Service transfer in the way described in this clause Except as set out in this clause we will not be liable for any loss or damage you suffer as a result of using the Pay Anyone Service 93 3 You indemnify us against any loss or damage we may suffer due to any claims suits demands or action of any kind brought against us arising directly or indirectly because you a did not observe any of your obligations under the terms and conditions in this section or b acted negligently or fraudulently in connection with the other terms and conditions 93 4 If a Pay Anyone Service transfer that was authorised by you is made to a person or for an amount which is not in accordance with the instructions given to us and your account has been debited for the amount of that transfer after our investigation we will attempt to provide a reimbursement to your
149. you specify with the amount of that Pay Anyone Service transfer Warning Some banks do not cross check the account number with the account name which may lead to your payment being placed into the wrong account if you enter an incorrect account number You must ensure that the account number is correct We will not be liable for any loss as a result of you entering the wrong account number When we process your Pay Anyone transfer we process the Pay Anyone transfer based on the BSB and account number you provide WARNING We do not cross check the account number with the account name or reference you provide us 87 Security tokens eri 87 2 87 3 87 4 VVe vvill issue you vvith a security token as an added security feature to prevent unauthorised access to your nominated account and to enable you to make Pay Anyone Service transfers via Bendigo e banking securely VVhen vve issue you vvith a security token you authorise us to act on all instructions vve receive using your security token Your security token is used to authenticate Pay Anyone Service transfers made via Bendigo e banking Use of your security token is your electronic authorisation of transactions and suitable care and responsibility must be taken regarding its use and access You must ensure that the PIN you select for your security token is not disclosed to any unauthorised person If you fail to comply we shall be immediately entitled to cancel you

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