60335-business-online-saver-tc

60335-business-online-saver-tc - ANZ BUSINESS ONLINE SAVER...

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ANZ BUSINESS ONLINE SAVER ACCOUNT TERMS AND CONDITIONS ANZ BUSINESS BANKING 05.06.2017
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2–3 This document contains terms and conditions for the following: ANZ Business Online Saver Account ANZ Internet Banking (ANZ Business Online Saver Account version) ANZ Internet Banking for Business (ANZ Business Online Saver Account version) ANZ Phone Banking If you have registered for ANZ Internet Banking for Business then this document must be read in conjunction with the ‘ANZ Business Banking Transaction Accounts Fees and Charges’ booklet. Together they form the terms and conditions for your ANZ Business Online Saver Account.
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Contents 1. How to open an account 7 2. Operating an ANZ account 7 2.1 Electronic access to ANZ Business Online Saver Account 7 2.2 Authority for account operation 8 2.3 Deposits 8 2.4 Withdrawing or transferring money 8 2.5 Processing of withdrawals and deposits 9 2.6 Payment procedures and insufficient funds 10 2.7 Changes to Fees and Charges and Interest Rates 10 2.8 Interest 11 2.9 Interest calculations and payments 12 2.10 Provision of credit 12 2.11 Statements 12 2.12 Privacy and confidentiality 13 2.13 Inactive accounts 17 2.14 Disruption to service 17 2.15 Anti-Money Laundering and Sanctions 17 2.16 Financial Claims Scheme 18 2.17 Problem Resolution Procedure 18 2.18 GST 19 2.19 No dealing in account 20 2.20 Law and Jurisdiction 20 3. Electronic Banking 20 3.1 Electronic Banking 20 3.2 Lost and stolen Card for linked account/s 20
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4–5 4. Other things you need to know 21 4.1 Change of name and address by signatories 21 4.2 ANZ’s right to combine accounts 21 4.3 Closing your account 21 4.4 Personal Advice on Business Accounts 22 4.5 Over the Phone Servicing 22 5. Bank Fees and Charges 23 6. Electronic Banking Conditions of Use 24 Contact Details 49
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Introduction References to ANZ In this Terms and Conditions document, ‘ANZ’ means Australia and New Zealand Banking Group Limited ABN 11 005 357 522 and its related entities. Application of these Terms and Conditions If you are opening a new ANZ Business Online Saver Account, these terms and conditions, including those implied by law, apply. To the extent of any inconsistency, these terms and conditions shall prevail to the extent permitted by law. You should read all relevant terms and conditions material that are provided to you and ask ANZ about any issues that concern you. Code of Banking Practice If you are an individual or a small business (as defined in the Code of Banking Practice) ANZ is bound by the Code of Banking Practice when it provides its products and services to you.
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6–7 1. How to open an account Under Federal Government law, we must verify the identity of all account holders, and anyone authorised to act for them. For us to do this you and anyone authorised to act for you must satisfactorily meet ANZ’s Customer Identification Process.
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