Better banking tools to manage your moneySpendWhen you get paid your money goes in here and you move what you expect your bills to cost into your Bills account … what’s still in your Spend account is what you can can spend.BillsThe place to put the money for your expected costs each month. Set-up direct debits (or PayTos) from here or use BPay to pay the bills when they roll on in. Secure banking tools and automatic alerts are included to …
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Planning for your financial future
As our electioneering political parties start talking about superannuation and home loan deposits… it sees timely to introduce Dr Steve’s 90sec suggestions for your own superannuation strategy!
Read MoreChoose to be happy
An internationally renowned leader in the field of Positive Psychology Dr. Tim Sharp (aka Dr. Happy) has three degrees in psychology (including a Ph.D.) and an impressive record as an academic, clinician and coach. He is the founder & CHO (Chief Happiness Officer) of The Happiness Institute, Australia’s first organisation devoted solely to enhancing happiness in individuals, families and organisations. Achieving happiness requires nothing more than practicing a few simple disciplines, every day. Dr Happy CHOOSE to be happy This …
Read MorePayTo Terms and Conditions
Disclosure DocumentsCurrent at 01 October, 2022PayTo Terms and ConditionsCreating a Payment AgreementThe PayTo service allows payers to establish and authorise Payment Agreements with Merchants or Payment Initiators who offer the PayTo service as a payment option. If you elect to establish a Payment Agreement with a Merchant or Payment Initiator that offers PayTo payment services, you will be required to provide the Merchant or Payment Initiator with your personal information including BSB/Account number or PayID. You are responsible for ensuring …
Read MoreInterest rates – deposits – December 23
Deposit AccountsCurrent at 1 December, 2023Interest Rates Essentials account packageNote: These accounts are not available for Business memberships.Spend account (S1) Direct your pay into this account for your everyday banking Interest rate from $1 ………. 0.10% p.a. Bills account (S4) Budget for your bills and plan payments from this account Interest rate from $1 ………. 1.00% p.a. Savings+Bonus account (S19) Interest rate on balances from $1 – $249,999 Savings ………. 2.00% p.a. +Bonus* ………. 3.00% p.a. Total interest earned ………. 5.00% …
Read MoreFighting food wastage
SecondBite ambassador Sally Williams on fighting food waste Is food waste really a big problem? Yes! Food waste is a big problem, it is a worldwide issue and Australia is a large contributor to food wastage. It is a problem because of the consequences it has on the environment, with food waste taken to landfill and contributing to greenhouse gas emissions. The resources required to create that food should be taken into consideration; using water and land, clearing forests, draining …
Read MoreEvery Home Needs a Garden
So you are looking to buy a home or maybe have just purchased one? They often come with a garden… but sometimes that’s up to you. Have a chat If you are the proud owner of a garden but haven’t a clue what is there or how to look after it, then I suggest you invest in an hour’s time chatting with a local horticulturalist. They will list what is in your garden and give you some idea of how …
Read MoreInbound Global Transfer (IGT)
Inbound Global Transfer (IGT) An Inbound Global Transfer (also known as an Inward Telegraphic Transfer or Inward Wire) is an electronic transfer of funds directly credited to your account from an overseas remitter. In most cases an IGT is the quickest way to receive funds from abroad (an IGT will normally take two-to-three business days to be credited to your account, although this can never be guaranteed). How does an IGT work?The remitter should send the funds in their own …
Read MoreOnline Security Practices
Online Security Practices Our website provides users with a range of security practices. Firewalls Encryption Automatic Time-outs Incorrect Password Access Lock Last Login Time Check One Time Passwords FirewallsFirst Option’s website and Internet Banking service are protected by sophisticated firewalls with adaptive security algorithms (ASA) which maintain the secure perimeters between the websites and the Internet. This provides full firewall protection that conceals the architecture of the internal networks from the outside world including protection against attacks. The First Option …
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