Product Terms and Conditions

This document must be read together with our ‘Fees & Charges’ and the ‘Summary of Accounts & Availability of Access Facilities’. Together these documents form the 'Conditions of Use' for Regional Australia Bank’s account and access facilities. You will find information about account operations, complaints, member chequing, direct debit, electronic access facilities and Epayents conditions of use as well as information about the Customer Owned Banking Code of Practice.

This Document should be read together with Regional Australia Bank’s ‘Accounts and Access Facilities Conditions of Use’ and our ‘Fees and Charges’ brochure. This document outlines what type of accounts we provide as well as what features those account have.

It is important that you understand the terms and conditions of any product, but particularly important when a credit contract is involved. This document will provide you with an information statement, the Visa conditions of use and the terms and conditions of Regional Australia Bank’s Qantas Rewards Program and Platinum Concierge Service.

Regional Australia Bank has a large list of products that we currently provide. This document will provide you with the interest rates for all of our products that are not currently featured throughout our website. Some of these products have been discontinued and are no longer available, while some are still available to select for new accounts.

This Fees and Charges brochure should be read together with Regional Australia Bank’s ‘Accounts and Access Facilities Conditions of Use’ and our ‘Summary of Accounts and Availability of Access Facilities’. This document outlines all fees, charges and transaction limits for all products and services that Regional Australia Bank provides. This includes but is not limited to general, overdrawn, international, cheque, loan and credit facility fees.

In this document, you will find essential information, including an information statement, the conditions of use, and specific terms and conditions related to Regional Australia Bank's Cash Back offer.