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Terms and conditions

• View terms, conditions, fees and charges applying to each of the above accounts.

Important information

Any advice contained in the above Comparison Chart does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you.

ANZ recommends you read the terms and conditions and the Financial Services Guide (PDF 104kB) before acquiring the product.

-Not available on this account or does not apply.

1. Minimum balances apply for interest payments.
2. Interest is payable on balances greater than or equal to $5,000. Rate is subject to change. Fees and charges apply. This offer adds 1.75% p.a. bonus interest to the standard variable ANZ Business Online Saver interest rate (which as at (View current rates) is (View current rates) but is variable and subject to change). The bonus interest will apply until 30 June 2012. From 1 July 2012 the interest rate on the account will then be the current standard variable ANZ Business Online Saver interest rate.
3. Transaction threshold includes any deposit, withdrawal or transfer, cheques drawn by you and any cheque or manual merchant slip deposited to your account. For full details refer to the Terms and conditions for the account. This transaction threshold does not apply to free electronic transactions (see below).
4. Electronic transactions include ANZ Internet Banking, EFTPOS, phone banking (including BPay bill payments), and ANZ ATMs. Also includes electronic transactions for ANZ Internet Banking for Business, excluding the monthly fee for this service. Does not include ANZ Transactive (an ANZ Internet Banking system), overseas transactions or non-ANZ ATMs.
6. An ANZ Business Visa Debit card is only available on this account where 'one or any to sign' is selected as the option for transaction authorisation.
7. An additional monthly service fee would be payable for Internet Banking for Business. This fee is waived for customers taking Internet Banking for Business as part of the ANZ Business Select Transaction Package.
8. View / enquiry access only (ie. see balances).
9. An overdraft facility can be linked to this account to assist with short-term cash flow requirements (subject to ANZ's normal credit approval criteria).
10. Early access to term deposits opened or re-invested upon maturity will incur an administration fee of $30 and may incur some interest rate reduction on amount withdrawn.
11. Non-ANZ ATM fees apply.
12. For Term Deposits with a duration greater than 12 months, interest can also be paid monthly, quarterly or half-yearly, if selected.
13. Any card or paper withdrawal over the counter (including branch withdrawals by card at designated country branches where no local ANZ ATM is available are charged at the ANZ ATM rate); any cheque written by you and then cashed, by you or by someone else, over the counter; any transfer from this account occurring at the branch whether using the card or not; deposit of cash and/or cheque(s) over the counter using a card or deposit slip; any deposit made using Fast Deposit Bags or ANZ Fast Deposit Envelopes; crediting of proceeds from Telegraphic Transfers; transfer of funds over the telephone (excluding ANZ Phone Banking transactions) pursuant to a funds transfer authority.
14. Additional fees and charges may be payable and all fees are subject to change. Please refer to the ANZ Business Transaction Accounts Terms and Conditions or the ANZ Business Select Package Terms and Conditions and the Business Transaction Accounts Fees and Charges for further information.
15. A fee will not be charged for any Electronic Transactions that are within the monthly Transaction Threshold for these accounts. A fee of $1.60 will apply for Electronic Transactions over the monthly Transaction Threshold.
16. Interest is calculated daily on the closing balance of your account as long as your balance is $5,000 or more. Rate is subject to change. Fees and charges apply. This offer adds 2.25% p.a. bonus interest to the standard variable ANZ Business Premium Saver interest rate (which as at (View current rates) is 3.00% p.a. but is variable and subject to change). The bonus interest will apply until 30 June 2012. From 1 July 2012 the interest rate on the account will then be the current standard variable ANZ Business Premium Saver interest rate. Fees and charges apply.

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