• ANZ Saving and Transaction Products - Terms and Conditions (mp3, 329kb)
• Table of Contents (mp3, 1.28mb)
• Introduction (mp3, 536kb)
• Section 1: How to open an ANZ account (mp3, 72kb)
• Section 1.1: Identification (mp3, 182kb)
• Section 1.2: Tax file number (mp3, 187kb)
• Section 1.3: Government Charges (mp3, 186kb)
• Section 1.4: Joint Accounts (mp3, 198kb)
• Section 1.5: Trust Accounts (mp3, 105kb)
• Section 2: Operating an ANZ account (mp3, 20kb)
• Section 2.1: Authority for account operation (mp3, 246kb)
• Section 2.2: Deposits (mp3, 295kb)
• Section 2.3: Cheques (mp3, 1.79mb)
• Section 2.4: Special clearance of funds (mp3, 55kb)
• Section 2.5: Withdrawing or transferring money (mp3, 460kb)
• Section 2.6: Stopping or altering payments for Direct Debits and Periodical Payments (mp3, 371kb)
• Section 2.7: Crediting of withdrawls and deposits (mp3, 456kb)
• Section 2.8: Payment procedures and insufficient funds (mp3, 54kb)
• Section 2.9: Changes to fees and charges interest rates and these terms and conditions (mp3, 318kb)
• Section 2.10: Interest (mp3, 165kb)
• Section 2.11: Credit interest calculations (mp3, 394kb)
• Section 2.12: Provision of credit (mp3, 383kb)
• Section 2.13: Statements (mp3, 196kb)
• Section 2.14: Privacy and confidentiality (mp3, 941kb)
• Section 2.15: Inactive accounts (mp3, 178kb)
• Section 2.16: Disruption to service (mp3, 274kb)
• Section 2.17: Problem resolution procedure (mp3, 730kb)
• Section 2.18: Indemnity (mp3, 219kb)
• Section 2.19: AntiMoney Laundering (mp3, 320kb)
• Section 3.0: Electronic Banking (mp3, 18kb)
• Section 3.1: Electronic Banking (mp3, 193kb)
• Section 3.2: EFTPOS (mp3, 90kb)
• Section 3.3: MAESTRO and CIRRUS (mp3, 81kb)
• Section 3.4: Fees and charges, MAESTRO and CIRRUS (mp3, 179kb)
• Section 3.5: Surcharging MAESTRO and CIRRUS (mp3, 85kb)
• Section 3.6: Exchange Rates and Conversion MAESTRO and CIRRUS (mp3, 187kb)
• Section 3.7: Daily withdrawal limit (mp3, 282kb)
• Section 3.8: PLUS (mp3, 420kb)
• Section 3.9: Fees and charges PLUS (mp3, 124kb)
• Section 3.10: Surcharging PLUS (mp3, 83kb)
• Section 3.11: Exchange Rates and Conversions PLUS (mp3, 182kb)
• Section 3.12: Lost and stolen card and PIN within Australia (mp3, 162kb)
• Section 3.13: Lost and stolen card and PIN while overseas (mp3, 309kb)
• Section 4.0: Other things you need to know (mp3, 22kb)
• Section 4.1: Change of name and address by signatories (mp3, 132kb)
• Section 4.2: ANZs right to combine accounts and block access (mp3, 190kb)
• Section 4.3: Closing your ANZ account (mp3, 492kb)
• Section 4.4: Personal advice on Savings and Transactions Products (mp3, 236kb)
• Section 4.5: Over the phone servicing (mp3, 67kb)
• Section 5.0: Bank Fees and Charges (mp3, 301kb)
• Section 6.0: Specific Terms and Conditions for Personal Banking accounts (mp3, 28kb)
• Section 6.1: ANZ Access Advantage account (mp3, 117kb)
• Section 6.2: ANZ Access Select account (mp3, 85kb)
• Section 6.3: ANZ Access Basic account (mp3, 360kb)
• Section 6.4: ANZ Access Limited (mp3, 391kb)
• Section 6.5: ANZ Access Deeming account (mp3, 553kb)
• Section 6.6: ANZ Progress Saver account (mp3, 1.34mb)
• Section 6.7: ANZ Premium Cash Management account (mp3, 154kb)
• Section 6.8: ANZ Prime Cash Management account (mp3, 2.11mb)
• Section 6.9: ANZ Passbook Savings account (mp3, 382kb)
• Section 6.10: ANZ Term Deposit (mp3, 2.79mb)
• Section 6.11: ANZ V2 PLUS (mp3, 4.10mb)
• Section 7.0: Specific Terms and Conditions for ANZ Mortgage Offset accounts and ANZ Equity Manager accounts (mp3, 41kb)
• Section 7.1: ANZ Mortgage Offset accounts (mp3, 332kb)
• Section 7.1.1: ANZ One (mp3, 414kb)
• Section 7.1.2: ANZ Home Loan Interest Saver (No longer offered) (mp3, 560kb)
• Section 7.2: ANZ Equity Manager account (mp3, 221kb)
• Section 8.0: Electronic Banking Conditions of Use (mp3, 161kb)
• Definitions (mp3, 492kb)
• How you can use ANZ internet banking (mp3, 100kb)
• Fees and Charges for Mobile Phone Banking (mp3, 134kb)
• Access to and use of Pay Anyone and International Services (mp3, 397kb)
• Access levels for ANZ Phone Banking, ANZ Internet Banking and ANZ Mobile Phone Banking (mp3, 933kb)
• Processing instructions general (mp3, 712kb)
• Processing instructions ANZ Phone Banking, ANZ Internet Banking and ANZ Mobile Phone Banking (mp3, 243kb)
• Processing instructions Pay Anyone and International Services (mp3, 557kb)
• Processing instructions BPAY (mp3, 985kb)
• Short Message Service SMS (mp3, 81kb)
• Card Validity (mp3, 110kb)
• Lost or stolen cards Password PIN or Telecode (mp3, 349kb)
• Cancellation of cards or electronic access (mp3, 336kb)
• Withdrawal of electronic access (mp3, 298kb)
• Password PIN and Telecode Security (mp3, 389kb)
• Unauthorised Transactions (mp3, 1.14mb)
• Additional Protection (mp3, 1.58mb)
• Changes to the Electronic Banking Conditions of Use (mp3, 125kb)
• Postal Addresses (mp3, 196kb)
• Contact Phone Numbers (mp3, 635kb)
• Inside cover information (mp3, 298kb)

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