About MyState. A little more about who we are and what we can do for you

Transcription

1 About MyState A little more about who we are and what we can do for you

2 2 At MyState, we strive to do the kind of things we believe other banks should be doing.

3 Hi there, nice to meet you We d like to take this opportunity to introduce ourselves and tell you a bit about all the ways we can help you with your banking needs. A little more about us At MyState, we strive to do the kind of things we believe other banks should be doing. Like offering local, friendly service backed by the most competitive products, and giving back to the communities we re part of. We re proud to be your local bank, and we re committed to delivering more understanding, more action and quicker outcomes for our customers. We ve been around for more than 50 years, so we re experienced in everything from transaction and savings accounts to lending products and insurance. We re all about exceeding our customers expectations, and since we began we ve built a strong reputation offering a wide range of financial services right across Australia. That s why more than 120,000 people prefer to bank with us. You can find out more about the ways we re doing the sort of things other banks should be by giving us a call on , visiting mystate.com.au or dropping in to your nearest MyState branch. About MyState 3

4 How you can bank with us You might not always be near a branch, so it s nice to know that wherever you are, you can still do nearly all of your everyday banking with our range of non-branch banking options. Internet Banking Access your account 24 hours a day 7 days a week to check your balance, transfer funds or schedule loan repayments easily, quickly and safely. We use 128-bit SSL (Secure Socket Layer) technology to provide the best protection for your password, account details and any other information exchanged with Internet Banking. Phone Banking Great for simple tasks like checking your account balances or transferring funds between accounts, and is as simple as calling Mobile Banking Do your banking when you re out and about or on the go. Use it to check your balance, transfer funds or find your nearest ATM. Bank@Post TM You can use Bank@Post to make simple banking transactions, including making a deposit, at over 4,500 Australia Post outlets via Bank@Post. Just look for the Bank@Post symbol. Fees may apply for withdrawals made through Bank@Post. Bank@Post TM and its device mark are trademarks (registered or otherwise) of the Australian Postal Corporation. 4

5 rediatm Network A MyState Visa Debit or redicard PLUS card lets you make transactions at any rediatm without incurring other bank direct charge fees. You can withdraw money, check your balance and transfer funds between linked accounts. You ll find rediatms at all MyState branches, along with many other places around the country. Access more than 3,000 rediatms around Australia without incurring a direct charge fee The rediatm network includes all NAB and BOQ ATMs To find your nearest rediatm visit mystate.com.au or rediatm.com.au You can also use your card at any other ATM that displays the Visa logo around Australia or around the world. However, please note that these withdrawals may receive a direct charge fee, which is charged by the ATM owner. Service Centre Our Service Centre staff are able to do all of the things our branch staff can do, except for cash-based transactions that require you to actually be present at a branch. Simply call our Service Centre on Our Service Centre can help you with: Everyday account enquiries: transaction, loan and term deposit accounts Taking out insurance Applying for any product or service including new accounts, cards, or cheque books Changing your address Cancelling or placing a stop payment on cheques Activating your MyState Visa Debit or redicard PLUS cards Of course, if you d like to do something that isn t covered on this list, just give the Service Centre a quick call on They re available Monday to Friday 8:30am to 5:30pm and Saturday 9:00am to 1:00pm. About MyState 5

6 Where you can find us There are MyState branches all across Tasmania and they re open from 9am to 5pm Monday to Friday. South Glenorchy Main Road Hobart Collins Street Kingston - Shop 1, Kingston Plaza New Norfolk - 45 High Street New Town - Shop 9 New Town Plaza Rosny - 11 Bayfield Street North Kings Meadows - Centro Meadow Mews Shopping Centre Launceston - 67 St John Street North West Burnie - 87 Wilson Street Devonport - 53 Best Street If you can t get to a branch, don t worry. With our range of non-branch banking options, you can do most of your day-to-day banking from wherever you are. 6

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8 What else can we do for you? When it comes to banking, we ve got everything covered. From everyday banking requirements, home loans, insurance, help with your savings and anything in between, we ve got the products and services you need to make it happen. Transaction and savings accounts Our range of savings, transaction and investment accounts let you manage your money your way. We ve grouped them based on what you use them for, so you can easily find the one that s right for you. Home Loans Whether you re looking for your first home or refinancing your existing one, we ve got a great range of tailored home loan options so you can find the one that s perfect for your budget and your lifestyle. I d like to: Save on interest with an offset account Pay my loan off sooner with unlimited extra repayments Withdraw additional repayments when I need extra cash Split my loan between a variable and fixed rate Fixed Rate $10,000 each year during fixed period After the fixed rate expires Special Residential Standard Variable Line of Credit 8

9 Personal Loans A MyState Personal Loan is a quick, easy and convenient way to get the money you need when you need it. It s fast and flexible, which means you can use it for just about anything, like: Buying a car Going on a holiday Renovating your house Getting on top of your debt Planning your dream wedding Any of life s other little extras Insurance At MyState, we know how important it is to look after the things you love, like your home and your family. That s why we offer a range of individual insurance options through CGU. Visit mystate.com.au for more about how we can help you take care of the things that matter. Home & Contents Insurance Motor Vehicle Insurance Caravan Insurance Boat Insurance Landlord Insurance Travel Insurance Life Insurance Rural and Commercial Insurance Loan Protection Insurance Wealth Management Whatever your life stage, MyState s Wealth Management experts can help you grow and protect your wealth. We take the complexity out of financial planning and wealth creation offering a range of products to tailor a wealth management solution for you. About MyState 9

10 Get in touch We re here and ready to help you. Call us on between 8:30am and 5:30pm Monday to Friday, and 9:00am to 1:00pm Saturdays. Visit us at your local branch. You can drop in and speak to one of our friendly staff anytime. Go online at mystate.com.au This booklet contains general advice and does not take into account your personal objectives, financial situation or needs and you should consider whether it is right for you. It is current as at the time of printing. The products, fees and services stated are correct at the time of printing, and are subject to change. It outlines the key features and benefits of accounts. It is designed to help you choose whether a personal deposit account might be suitable for you and to explain your options. Prior to applying for an account, you should read all of the relevant disclosure documentation and seek advice if required. The other documents you will require are: Terms and Conditions for Deposit Accounts, Fees and Charges for Deposit Accounts, Interest Rates for Personal Deposit Accounts. There are also separate Terms and Conditions for Visa Debit Card and Terms and Conditions for redicard PLUS. You should read all these documents carefully and retain them for future reference. Copies of each of these documents are available from MyState. Loan applications are subject to MyState s normal credit approval criteria and may also require approval of a Lenders Mortgage Insurer. Terms and conditions, fees and charges apply. MyState acts under its own AFS Licence Number and under an agreement with the issuer of this insurance, CGU Insurance Limited ABN AFSL (CGU). MyState Wealth Management is a registered business name of Tasmanian Perpetual Trustees Limited ABN AFSL , a wholly owned subsidiary of MyState Limited ABN

11 About MyState 11

12 mystate.com.au V POS032 MyState Bank Limited (MyState) ABN AFSL Australian Credit Licence Number A wholly owned subsidiary of MyState Limited ABN