Important Information

Membership eligibility applies to join the Bank. All applications for credit are subject to our responsible lending criteria. Fees and charges apply. You can find our Credit Card terms and conditions available online or from any of our offices.

  1. To receive the full interest-free period, you must pay your closing balance in full by the due date. Interest applies to cash advances and balance transfers.
  2. Credit limits are subject to approval and eligibility criteria. Terms and conditions apply.
  3. Mobile App - You should consider whether this service is appropriate for you before acquiring it. For additional information please refer to our Security Guide for electronic transactions and the Mobile App Terms of Use. Internet connection is needed to access the Mobile App. Normal mobile data charges apply. We test mobile banking to ensure compatibility with the majority of popular devices, but cannot guarantee compatibility with all devices and operating systems. The Mobile App is free to download, however your mobile network provider may charge you for accessing data on your phone. We recommend that you read the App Terms of Use and consider if this service is appropriate to you prior to making a decision to use the Mobile App. We test the Mobile App to ensure compatibility with the majority of popular devices, but cannot guarantee that it will be compatible with all devices and operating systems.
  4. Mobile Wallet - You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card via your Mobile Wallet. Internet data charges may be incurred through your mobile service provider – check with your Internet Service Provider for more details.
    Google Pay - You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Google PayTM and Teachers Mutual Bank Limited Mobile Wallet and are available on our website. Smart phone must be NFC (Near Field Communication) enabled and running Lollipop 5.0 and above. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Google PayTM. Internet data charges may be incurred through your mobile service provider – check with your Internet Service Provider for more details. Android, Google PayTM and Google logo are trademarks of Google Inc.
    Apple Pay - You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Apple Pay and Teachers Mutual Bank Limited Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Apple PayTM. Internet data charges may be incurred through your mobile service provider – check with your Internet Service Provider for more details. Apple, the Apple logo, Apple Pay, Apple Watch, iPad and iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps, with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/en-au/102896.
    Samsung Pay - You should consider whether this service is appropriate for you before acquiring it. Terms and conditions apply to the use of Samsung Pay and Teachers Mutual Bank Limited Mobile Wallet and are available on our website. Access to the system is subject to availability and maintenance. We do not charge a fee to allow you to use your Visa card in Samsung Pay. Internet data charges may be incurred through your mobile service provider – check with your Internet Service Provider for more details. For more information and a list of compatible Samsung Pay devices visit our page about Samsung Pay.
  5. Visa’s Zero liability policy covers Australian and New Zealand- issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please contact the Bank for additional details.

The Apple logo is a trademark, and the App Store is a service mark, of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

Design and Distribution Obligations

The target market for this product will be found within the product’s Target Market Determination, available here.

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