Reward Saver Kick Start Account

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Features
Rates & Fees
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Kick Start your savings with the IMB Reward Saver Kick Start Account. With great rates and bonus interest for regular savings, it’s the ideal account to save for that something special. Whatever you’re saving for, get there faster with IMB Kick Start.

Earn bonus interest by saving as little as $20 a month and making no withdrawals
No monthly account keeping fees

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Interest Rates

Account balance	Standard Variable Interest Rate	Standard Variable Bonus Rate^*	*Fixed Bonus Interest Rate up to^{^}**	Earn up to
$5,000 and over	0.00% pa	1.40% pa	0.00% pa	1.40% pa
$0 - $4,999.99	0.00% pa	1.40% pa	1.00% pa	2.40% pa

* To earn bonus interest the account holder must make a minimum $20 deposit and no withdrawals per month. If bonus interest criteria are not met for the calendar month, both the Standard Variable Bonus Interest and Fixed Bonus Interest Rate are forfeited.
^ Fixed Bonus Interest Rate is payable for the duration the account is eligible: - Reward Saver Kick Start account for account holders aged under 18 years of age; or- Until 31/3/2019 for Reward Saver Kick Start accounts for Students, apprentices and trainees aged under 30.

Fees, Charges and Limits

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Important things you should know about the Kick Start Package

1. Kick Start Package comprises an Everyday Unlimited Kick Start account & Reward Saver Kick Start account. The Kick Start Package is available to individuals aged 13-17 and students, trainees and apprentices aged 18-30, studying or training with an organisation recognised by IMB in its absolute discretion. Once a Kick Start Package holder no longer meets the eligibility criteria or fails to provide proof of eligible status, the Everyday Unlimited Kick Start and Reward Saver Kick Start accounts converts to the standard terms and conditions applicable to the Everyday Unlimited and Reward Saver accounts. Please refer to the PDS for full details.
2. No monthly account keeping fee applies to the Everyday Unlimited Kick Start account. When the account converts to the Everyday Unlimited account a $6 monthly fee is payable each month when the account balance falls below $2,000 at any time.
3. Transaction fees apply to international transactions and transactions performed via non-IMB channels
4. Visa Debit cardholder fee is NOT payable on the Everyday Unlimited Kick Start and Everyday Unlimited accounts, but applies to all Visa Debit cards issued on other account types. Limit of one cardholder fee exemption per member.
5. In order to receive bonus interest, a minimum deposit of $20 with no withdrawals must be made each calendar month. A transfer from the Reward Saver Kick Start account to the Everyday Unlimited Kick Start account is considered a withdrawal for the purposes of calculating bonus interest.
6. Once-off bonus $25 is available for accounts when your pay or youth allowance is electronically deposited into your Everyday Unlimited Kick Start account. Each offer may only be redeemed once per Member. IMB reserves the right to change or withdraw these offers at any time. Please consider the relevant PDS available from IMB before making a decision about any of these products.
~In order to receive bonus interest, a minimum deposit of $20 with no withdrawals must be made each calendar month. A transfer from the Reward Saver Kick Start account to the Everyday Unlimited Kick Start account is considered a withdrawal for the purposes of calculating bonus interest.
-Transaction fees and other charges apply to the Reward Saver Kick Start Account – refer to the PDS Member Transaction Allowance & Fees and Charges for Everyday Unlimited Account for details.
† You can't apply online for a Visa Debit Card for a Reward Saver. Please ask us if you would like a Visa Debit Card for your account.

Important Information:
Interest rates are paid on the entire balance of the account. Interest rates are subject to change without notice. Interest on all deposits is calculated on the daily balance at a daily rate equivalent to the annual rate divided by 365. This advice is general advice only and does not take into account your objectives, financial situation or needs. You should consider the Product Disclosure Statement available from IMB before making a decision about this product.

Why choose IMB Bank?

Established in 1880, IMB has been helping people achieve their financial goals for 138 years. IMB offers a full range of banking solutions including home and personal lending, savings and transaction accounts, term deposits, business banking, financial planning and can arrange a wide range of insurance and travel products.

IMB has a growing branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you. IMB members enjoy access to free automated phone and internet banking and a team of professionals who are just a phone call away at our locally based call centre.

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