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Christmas Club Account

Helping you save for a merry Christmas

Hume's Christmas Club account helps you better manage your Christmas and holiday expenses by offering you an interest rate that allows you to earn extra money.

Features

Free internet, mobile* and phone banking
Withdrawals can be made from November – January only
Unlimited free use of BPAY and periodical payments

*Data charges may be applied by your phone provider depending on your mobile plan.

Rates

Account Balance $ Interest Rate % p.a.
$1 + 1.25%

Rates effective from 1 April 2013 and subject to change without notice. Unapproved debit balances incur interest at 15.90% p.a. calculated daily on full closing balance and debited on the last calendar day of each month.

Interest is calculated monthly and paid annually.

Fees

Fees

Charges
Deposits at Hume branches

Free

Internal transfers

 Free

Electronic Banking - iBank, mBank and Hume Connect (excluding cheques)

 Free

Direct Debit, Direct Credit, BPay, Internal transfers, External funds transfers via electronic banking.

 Free

Number of free transactions per month1

 FOUR

Eligible for linked account exemption

 Yes

The following fees apply after free transaction number is exceeded:

Withdrawal - cash at branch

 $1.50

Withdrawal – Financial Institution cheque (at counter or via iBank)

 $3.00
Electronic external transfer at counter $1.00


1.The following are classified as transactions for the purposes of calculating the fee-free quota: cash withdrawals at a branch, Financial Institution or Member cheques, EFTPOS transactions (including telephone, internet and regular payments using a Visa debit card), electronic external transfers at counter, successful cash withdrawals at Remote Westpac Group ATMs and transactions at Foreign ATMs.

Please read the Product Disclosure Statement and Fees and Charges (available in branch, by phoning 1300 004 863 or here) and consider whether this product is right for you.