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Bank Accounts Terms and Conditions changes

What is the ePayments Code?

The ePayments Code is a voluntary Code regulating consumer electronic payment transactions, including ATM, EFTPOS and credit card transactions, online payments, internet and mobile banking, and BPAY®. Detailed information about the Code can be found on the ASIC website.

The ePayments Code replaces the Electronic Funds Transfer Code of Conduct (EFT Code) to which St.George Bank currently subscribes. St.George bank will be subscribing to the ePayments Code on and from 20 March 2013.

As under the EFT Code, the ePayments Code will:

  • require subscribers to provide customer disclosures in relation to fees, transaction limits and other terms and conditions;
  • require subscribers to give receipts and statements in certain circumstances; and
  • provide consumer protection in cases of fraud and unauthorised transactions.

The ePayments Code also introduces new protections, such as new complaints rules and a process to resolve mistaken Pay Anyone internet payments.

To reflect both our obligations and further protection for you under the ePayments Code, effective 20 March 2013, we are making changes to your product terms and conditions as set out below. We have also made some changes to make our terms and conditions clearer.

Details of Terms and Conditions Changes

Complete Freedom Account, Concession Account, Complete Freedom Student Account, DIY Super Saver, Express Freedom Account , Incentive Saver Account, Maxi Saver, Investment Cash Account, St.George SENSE Accounts

Here are details of the changes set out separately:

Here are the new product terms and conditions which will apply on and from 20 March 2013:

Direct Saver account, DIY Super Direct Saver account, Freedom Plus account, Gold Cash Management account, Happy Dragon account, Investment Savings account, Portfolio Cash Management account, Power saver account

Here are details of the changes set out separately:

Here are the new product terms and conditions which will apply on and from 20 March 2013:

Fixed Term Deposit, Flexi Term Deposit

Here are details of the changes set out separately:

Here are the new product terms and conditions which will apply on and from 20 March 2013:

360 Term Deposits

Here are the new product terms and conditions which will apply on and from 20 March 2013:

360 Online Account Terms and Conditions

Here are the new product terms and conditions which will apply on and from 20 March 2013:

360 Cash Management Account Terms and Conditions

Here are the new product terms and conditions which will apply on and from 20 March 2013:

Investor Gateway Account

Here are the new product terms and conditions which will apply on and from 20 March 2013:

Co-Branded Stockbroker Account Terms and Conditions

Here are the new product terms and conditions which will apply on and from 20 March 2013:

Electronic Cash Management Account and Internet and Phone Banking

Here are the new product terms and conditions which will apply on and from 20 March 2013:

Internet and Phone Banking

Here are details of the changes set out separately:

Here are the new product terms and conditions which will apply on and from 20 March 2013:

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.