Term Deposit important changes - FAQs | |
IMB Member Guide to Transaction Banking – Product Disclosure Statement | |
PDS – Fees Charges and Limits | |
PDS – Interest Rates for IMB Deposit Products | |
Tips for Teens - Visa Debit Card Flyer |
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Information current at 27th January 2026 and subject to change. You should consider the PDS before making a decision about IMB products and facilities. Target Market Determination available here.
Prepayment
Amounts held in a Term Deposit or NITA facility may be withdrawn before maturity, provided that the withdrawal does not result in the remaining balance being less than the minimum investment amount for the product selected. For accounts opened or renewed on or after 27 January 2026, you must provide 31 days’ notice to IMB if you wish to withdraw all or part of your funds before maturity. An interest reduction will apply to any funds withdrawn prior to maturity. Refer to sections 42–44 of the PDS for information about the interest adjustment that will apply.
Reinvestment
If you do not give us instructions at maturity, your investment will be reinvested for the same term (or the closest available term) using the interest rate applicable for that term at the time of maturity. This interest rate may be lower than the interest rate which applied before maturity.
Rates and features
1. Rates and terms negotiable for amounts of $100,000 and over held in a Negotiable Interest Term Account.
2. Also available for Term Deposits opened online. At maturity, interest rates, investment terms, minimum deposit amounts and interest payment frequencies available in branch or over the phone are available for reinvestment of Term Deposits opened online. If you do not give us instructions at maturity, your investment will be reinvested for the same term (or the closest available term) using the interest rate applicable for that term at the time of maturity. This interest rate may be lower than the interest rate which applied before maturity. Find more information about our Term Deposits opened online.
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