*Lending criteria, terms and conditions, fees and charges apply. Available for a limited time on new Fully Drawn Business and Commercial Loan applications received from 1/06/2026 until offer is withdrawn. Offer may be varied or withdrawn at any time. Excludes refinance of existing IMB loans. Valuation fee waiver applies to one security property per loan. Legal fee waiver applies to legal fees usually charged by IMB for loan documentation and settlement. IMB Business Cash Management Account must be opened at the time of loan application for fee waiver to apply.
$0 monthly account keeping fees if average
monthly balance is $5,000 or more
Funds at-call when you need it
And earn up to
Account balances $250,000 and above. Interest rate includes Standard Variable Interest Rate and Introductory Fixed Interest Rate payable for the first 4 months. Eligibility criteria applies1.




Switch effortlessly between your business and personal entities, so you spend less time tapping in your banking app and more time tapping into business opportunities.
Smart technology. Real-time monitoring. You're in control, always.
Government guarantee
Your deposits are protected up to $250k.
Biometric login
Face ID and fingerprint login for seamless banking.
Real-time monitoring
We'll monitor and alert you of suspicious activities.
Card control
Freeze or replace your card instantly, right in the app.
Get personal support, local knowledge and a banking
relationship shaped around your business.
Build a relationship with your dedicated banker - one name, one number, one email address.
Your banker, embedded in your local area, with banking expertise to support your goals
As a member-owned bank, we focus on you and your local community
IMB's external credit ratings demonstrate strong asset quality, solid earnings relative to its rated mutual bank peers, and a reliable funding structure backed by a stable retail deposit base, making it well-suited for business banking needs.
$10B in assets
Strong banking portfolio
P-2 · Baa1 · Stable Outlook
Moody's Ratings
F2 · BBB+ · Stable Outlook
Fitch Ratings

General
Information current as at date of appearance and subject to change. Lending criteria, terms and conditions, fees and charges apply. You should consider the Product Disclosure Statement before making a decision about IMB products and facilities. Target Market Determinations available here.