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Frequently Asked Questions

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Frequently Asked Questions

The answers to your questions are only a click away.

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Bank Accounts

Summerland Bank has a great range of everyday transaction accounts, as well as high interest savings accounts designed to help you realise your potential and secure long-term financial freedom. Learn more about our Transaction Accounts, Term Deposits and Savings Accounts and even Compare Bank Accounts to find the right one for you.

Yes! Get started online in minutes with your ID at the ready. Once we’ve done a quick check of your personal details, you’ll be able to open an account.

Unfortunately, no. As part of our commitment to safety and security, all account owners will need to participate in the application. If that is an issue, please contact our friendly team who will be able to assist you.

If you’ve got all of your correct documentation ready, online account set up can take as little as five minutes! Then you can take your time to customise your dashboard and arrange your financial life just as you like it.

Absolutely. Though many of our customers choose to set up their accounts in the comfort of their own homes, you can also set up an account over the phone or make an appointment at one of our branches where our friendly local staff will be happy to assist.

Home Loans

At Summerland Bank, we believe your search for the perfect home loan starts here. Explore and compare our range of home loans, including competitive fixed and variable rates to get the right fit for your needs.

We offer variable rate home loans in five year increments starting from 15 through to 20, 25 or 30 years. Our range of competitive fixed rate home loans have a maximum term of 5 years.

Our range of financial tools and easy-to-use calculators are designed to help you achieve your financial goals by choosing a loan product that’s right for you.

We sure do. Create a repayment schedule that works for you and allows you to make additional repayments, without the penalties or the stress of ongoing monthly fees.

We know that, sometimes, your dream home just can’t wait. With pre-approval and fast track options available, you can make purchasing decisions quickly and with certainty.

We want to see you thrive, which means there are no ongoing monthly fees for eligible borrowers and you can enjoy the benefits of a loan that aligns your financial goals with your values.

Yes! Get started online with your ID at the ready and once we’ve done a quick check of your personal details, you’ll be able to get the ball rolling.

You can take out a loan with another party, however, both applicants will need to participate in the application process.

Once we receive your application and supporting documents, we will be in contact with you within just two business days.

We are passionate about sustainability and protecting the planet we all share. Ideal for the conscious consumer, we offer an Eco Home Loan specially designed for borrowers looking to make an environmentally sustainable purchase while keeping their rates low. Find out more about our Eco Home Loan.

Personal Loans

No matter your needs, Summerland Bank offers a range of competitive, flexible, and low interest loans designed to help you reach your potential. From Vehicle Loans, Equity Plus Personal Loans to Eco Loans, find out more and compare your options with Summerland Bank’s Personal Loans.

With our Equity Plus Personal Loan, get quick access to a low interest unsecured personal loan if you already have a loan or equity with us. We want you to enjoy the financial flexibility of our unsecured personal loans, and so there is no need for collateral or a security deposit.

Definitely! If you’re juggling multiple loans, our friendly local team can consolidate and simplify your financial life by combining them into one manageable regular payment.

Our range of financial tools and easy-to-use calculators are designed to help you achieve your financial goals by choosing a loan product that’s right for you.

We sure do. Create a repayment schedule that works for you and allows you to make additional repayments, without the penalties or the stress of ongoing monthly fees.

We know that, sometimes, your dreams can’t wait. With pre-approval and fast track options available, you can make purchasing decisions quickly and with certainty.

We want to see you thrive, which means there are no ongoing monthly fees for eligible borrowers and you can enjoy the benefits of a loan that aligns your financial goals with your values.

Yes! Get started online with your ID at the ready and once we’ve done a quick check of your personal details, you’ll be able to get the ball rolling.

You can take out a loan with another party, however, both applicants will need to participate in the application process.

Once we receive your application and supporting documents, we will be in contact with you within just two business days.

Credit Cards

Unlock convenience and competitive rates with our range of credit cards designed with your best interests at heart. Offering rewarding benefits, flexible payment options, and security where you need it most, whether it’s once in a lifetime travel experiences or everyday essential purchases, we’ve got you covered. Find out more about Summerland Bank’s credit cards.

Paying off your credit card is easy with Summerland Bank thanks to our user-friendly app and seamless internet banking. You can set up a regular repayment or make one-off transfers via EFT or cash deposit.

Yes! Get started online with your ID at the ready and once we’ve done a quick check of your personal details, you’ll be able to get the ball rolling.

You can take out a loan with another party, however, both applicants will need to participate in the application process.

Once we receive your application and supporting documents, we will be in contact with you within just two business days.

Insurance

Through our long-standing partnership with leading provider CGU Insurance, Summerland Bank offers a range of comprehensive insurance solutions to help you navigate life’s mishaps. Protect what matters most by choosing a policy that’s right for you, and we’ll take care of the rest. Find out more about our different types of insurance.

With a commitment to innovation, we can help tailor offerings to ensure you receive the best value without compromising on quality or peace of mind.

While every claim is unique, our aim is to help process your claim as quickly and efficiently as we can, so you have one less thing to worry about. Find out more about our partnership with CGU Insurance.

Business Accounts

At Summerland Bank, we care deeply about the local community because it’s our community, too. And we know that running a business takes dedication, vision, and the right financial partner. We have a range of innovative business banking options, tailored to meet your needs. For seamless day-to-day banking, Summerland Bank’s Business Plus Account is perfect for businesses with scale on the horizon. Explore our business banking options.

We make it as quick and easy as possible to get started. To open a Business Plus Account, we just need a few essentials including: your Business Registration Certificate or Certificate of Incorporation, as well as some ID for the awesome people running the show. If you’re not sure how to get started, our friendly local team is always here to help.

We make sure we are on a first name basis with your accounting software like Xero or MYOB, for maximum efficiency and peace of mind. Through our user-friendly mobile app, and internet banking, access complete banking solutions and do business on the go — or give us a call on 1300 802 222 and a member of our friendly, local team will be able to assist.

The good news is that there’s no minimum balance requirement for our Business Plus Account. Get started with any amount, and enjoy the flexibility of managing your finances your way, without the stress of maintaining a certain balance.

Absolutely, you can have multiple signatories on the account. This feature is especially handy for organisations or groups where more than one person needs access to manage the finances. Adding multiple signatories offers flexibility and ensures that you can efficiently carry out transactions even when someone is unavailable. Getting set up is straightforward, and our friendly team is always here to guide you through the process.

We have an extended range of credit solutions, overdraft accounts, business credit cards, and term loans, to cover your business’ cash flow needs.

Our comprehensive range of merchant services gives you all the tools you need for easy and secure payment processing, whether it’s in-person, online, or via mobile. From mobile, countertop and integrated EFTPOS terminals to helping you create a streamlined point-of-sale experience, find out more about our Merchant Facilities.

Absolutely. We not only offer both Variable Business Loans and Fixed Rate Business Loans, but there are split loan options too. With Dedicated Relationship Managers, we offer easy and real-time access to business loans for small business, big business and everything in between. Easily compare the key features of our various business loan options and choose the one that’s right for you and your business.

When you take out a business loan with Summerland Bank, you can take advantage of our interest-only offer for commercial purposes during construction. Find out more about our Business Loans.

With Summerland Bank, there are no ongoing monthly fees for eligible borrowers, meaning you can enjoy the benefits of taking out a commercial loan with a customer-owned bank.

Business Leasing

We have a range of leasing options built for modern business. If you’re looking to upgrade equipment, vehicles, or other assets for your business, but don’t want to purchase them outright — business leasing might be the perfect solution for you. Find out more about Business Leasing.

Absolutely. Our business leases are perfect for vehicles, including: company cars or vans, delivery trucks, and heavy-duty or earthmover vehicles like tractors or construction equipment like cranes or bulldozers.

RequiredComputers and office equipment are subject to high-depreciation and are therefore only considered in certain circumstances. Retail fit-outs for shops and restaurants are also only considered on a case-by-case basis. Find out more about Business Leasing.

We sure do. Create a repayment schedule that works for you and allows you to make additional repayments, without the penalties or the stress of ongoing monthly fees.

Whether you’re in need of a Chattel Mortgage, Commercial Hire Purchase, Finance Lease, or Novated Lease, our application process is quick and easy. For business leasing, we offer a 90-day pre-approval period and ongoing facility reviews. Get to where you’re going sooner with Summerland Bank.

Local Branches and ATMs

With branches throughout the Northern Rivers NSW and South East Queensland, we offer good old-fashioned customer service with all the bells and whistles of a modern bank. Find your nearest Summerland Bank branch.

It’s easier than ever to access your money wherever you are through our extensive range of ATMs in the Northern Rivers NSW and SE Queensland region, or through our network of partner ATMs throughout the country. Search for your nearest ATM.

We have a range of dedicated assistance available for community members with accessibility needs. From Closed Loop Hearing options to wheelchair access at all of our branches, we want to make it as easy as possible to take action on your finances. Find your nearest Summerland Bank branch.

As part of our commitment to being visible and contributing members of the local community, we offer in-branch banking across the Northern Rivers NSW and South East Queensland regions. Providing employment for 100+ staff, and supporting local businesses, charities, clubs, and community associations in the region, all of our team is on-shore and that will never change.

Whether you live outside the Northern Rivers NSW and South East Queensland region, or you simply cannot make it to a branch in person, you can always call 1300 802 222 and speak to a real human, or schedule a time for a free callback when it suits you.

Definitely not. We have customers from all over this great country, although we were founded, and continue to operate, from our base in Northern Rivers NSW and South East Queensland. We are deeply passionate about supporting our local communities, particularly providing a braver banking alternative for rural communities and regional areas often left behind.

With internet banking and mobile service options, you can be a Summerland Bank customer from wherever you are and experience the difference of customer-owned banking with community at the heart. Join today.

You are always welcome to pop in and visit a Summerland Bank branch, however, it can be a great idea to organise a time with one of our friendly, local team members to ensure you don’t have to wait. Choose from a variety of locations across the Northern Rivers NSW and Southeast Queensland and experience a more personalised kind of banking. Schedule a branch visit.

Internet Banking

We promised you good old-fashioned customer service with all the bells and whistles of a modern bank — and that’s exactly what you’re going to get with Summerland Bank. Our innovative internet banking platform puts financial control back in your hands, giving you the tools you need to manage accounts, make transactions, and access your finances securely and conveniently online, anytime. Find out more about internet banking.

Internet and mobile banking is a safe and easy-to-use way of managing your finances from wherever you are. Access your accounts and manage your finances effortlessly through our secure web-based platform in just three simple steps.

Your safety and security is a top priority and we leave no stone unturned to ensure your money is protected thanks to robust encryption software and advanced security measures. If you have a security concern, please reach out to our friendly local team immediately on 1300 802 222. Visit our page for more safety and security tips.

Simply click ‘forgotten password’ on our website and follow the prompts. You will receive a temporary code to login with until you can set a new password. Alternatively, if you’re on the Summerland Banking app, head to ‘forgotten password’ on the login screen.

No! Having zero fees for using internet banking lets you manage your money without hidden costs. It’s transparent banking at its best, keeping your funds where they should be: in your pocket.

Packed with powerful features designed to simplify your finances and put you in control, download Summerland Bank’s new app for Apple or Android.

Safety and Security

We leave no stone unturned to ensure your money is well protected with robust encryption software, multi-factor authentication and advanced security measures. Find out more about our commitment to secure banking practices.

Your safety and security is a top priority and we leave no stone unturned to ensure your money is protected thanks to robust encryption software and advanced security measures. If you have a security concern, please reach out to our friendly local team immediately on 1300 802 222. Visit our page for more safety and security tips.

Cybercrimes are attacks directed at digital computers or other devices, and include things like online fraud, identity theft and phishing. At Summerland Bank, we go to great lengths to secure you from cyber threats. Here are a series of expert tips to protect yourself online.

Scammers are becoming increasingly sophisticated and protecting your personal information is more important than ever. Learn more about some common examples of fraud, identity theft and scams to be on the lookout for.

If you suspect fraud or have a security concern, please reach out to our friendly local team immediately on 1300 802 222 during normal business hours (Monday to Friday, 8am-6pm), or on 0467 953 309 on weekends or public holidays. For more on recognising the signs of fraud.

Disputing a Transaction

It’s important to always stay informed and in control of your finances. If you notice:

  • Unauthorised Charges: You didn’t approve or recognise something in your account.
  • Duplicate Charges: Being billed more than once for the same purchase or service.
  • Incorrect Amount Charged: The amount charged to your account is different from the agreed price or what’s shown on the receipt.
  • Suspected Fraudulent Activity: You suspect identity theft or fraudulent activity on your account.
  • Transaction Error: There was an error made in processing a transaction.
  • Unknown Merchant Name: The name on the statement doesn’t match any known transaction.

Find out more about Fraud Prevention and how to dispute a transaction.

We know that it can be hard to tell what’s real and what’s not these days. Whether it’s unauthorised charges that you didn’t approve or duplicate charges where you have been billed more than once for the same purchase or service, our friendly, local and experienced team are ready to help. Call Summerland Bank on 1300 802 222 or lodge your claim online by filling out this form.

Our priority is keeping your money safe and secure, so our team will be working hard behind the scenes to investigate any disputed transactions. Once we have all the evidence and information we need, we will be in touch to inform you of the outcome of your dispute and outline the next steps within two business days.

Data Privacy

In 2019, the Australian Government passed Consumer Data Right (CDR) legislation, often referred to as ‘Open Banking’ — a regulatory framework designed to give customers greater choice and control over their financial data.

This legislation gives organisations accredited by the ACCC permission to receive generic data pertaining to: transactions, savings, fixed term deposits, loan and credit card products including features, eligibility, rates and fees. Accordingly, Summerland Bank is accredited to provide and receive de-identified data to improve the industry for all.

At its core, Open Banking is designed to provide consumers with a higher level of control over what data you do and don’t share, with whom, and for how long. Find out more about Open Banking and how to control your data.

As a customer-owned bank, and committed part of our local community, we care deeply about your privacy. It is important to us that you know exactly how we collect, use, and disclose your personal information. This information is publicly available in our Privacy Notification, which describes what information we collect and why, how it’s used and to whom it’s disclosed.

Our Privacy Policy also includes more details about what we do with your personal information and how we safeguard it. It also guides you on what to do if there’s a problem. To find out more, please contact our Privacy Officer on [insert email address].

For more information about the Consumer Data Right (CDR), please visit the Australian Competition and Consumer Commission website or email our team at [email protected].

Complaints and feedback

If you are unhappy about something to do with a product or service, firstly — we’re sorry. As a customer-owned bank, it is our mission to provide you with a braver banking alternative — and a big part of that is providing more of what our customers want, and being open to feedback when things aren’t up to scratch. Next, let’s try to fix it. More on our Dispute Resolution Procedure.

It’s always nice to know when you’ve done something well! If you have some feedback on a product or you have received great service from one of our team members, please email [email protected] or call 1300 802 222 and we’ll be sure to pass it on.

Community Accounts

Designed to support the vital work of charitable and not-for-profit organisations, our Community First Account does exactly that — it puts the community first. An account tailored to the needs of community-based organisations, groups and associations, there are no monthly fees, no minimum balance requirements, and real-time easy access at the click of a button. This banking solution also gives you the peace of mind that your money is protected by the Federal Government Guarantee.

There are no monthly fees or transaction charges, and no minimum balance requirements, for our Community First Account.

We make it as quick and easy as possible to get started. To open a Community First Account, we just need a few essentials including: your Business Registration Certificate or Certificate of Incorporation, as well as some ID for the awesome people running the show. If you’re not sure how to get started, our friendly local team is always here to help.

The good news is that there’s no minimum balance requirement for our Community First Account. Get started with any amount, and enjoy the flexibility of managing your finances your way, without the stress of maintaining a certain balance.

Absolutely, you can have multiple signatories on the account. This feature is especially handy for organisations or groups where more than one person needs access to manage the finances. Adding multiple signatories offers flexibility and ensures that you can efficiently carry out transactions even when someone is unavailable. Getting set up is straightforward, and our friendly team is always here to guide you through the process.

Sure can! Connect easily with popular fundraising platforms or tools to help you manage donations. There are also user-friendly financial reporting options designed to help you with budgeting, grant applications, and ensuring transparency for stakeholders.

Community Events

Alongside supporting community events, we proudly curate and host a variety of free events to boost our region’s financial literacy, wealth and wellbeing, as well as fundraisers to support local businesses and community groups. Find out what’s coming up.

Events are a critical way to stay connected to your local community and break down barriers of social isolation. From Budgeting 101 to Managing Your Business Cash Flow, our events are designed to offer practical tips and expert advice that you can put to good use straight away. Whether you are just beginning on your financial journey or looking to upskill and add to your knowledge in a particular area, we would love to see you at an upcoming event near you. Find out what’s coming up.

While we prioritise promoting events that are free and accessible to the local community, some events are ticketed or are organised for fundraising purposes. We encourage you to reach out to event organisers if the cost is not listed.

While most of the world lives on Zoom these days, we still love the feeling of face-to-face events, when safe to do so. However, in the coming months, we will be trialling a series of web conferences or digital broadcast events to increase their reach in the community.

If you have an upcoming event that you think the Summerland Bank customers and community would like to know about, please send us an email with the relevant details to [email protected]

Our Region

Encompassing the world-renowned beaches of Byron Bay, the ancient rainforests of Nightcap National Park, and the picturesque hinterland towns like Lismore and Ballina, this region offers a unique mix of coastal and country landscapes quite unlike anywhere else in the world.

Beyond our geography, we believe this community is unique — with its own needs, challenges to overcome, and triumphs to celebrate. We embrace it all, from the waterways, to the wildlife, the weird, and the wonderful. Want to see what’s on around the region? Visit our Community Events page.

As part of our commitment to being visible and contributing members of the local community, we offer in-branch banking across the region, employment for 100+ staff, and support local businesses, charities, clubs, and community associations in the region. Find out more about vacancies to join the team.

Customer-Owned Banking

Summerland Bank is customer-owned. That means, unlike the major banks, our profits don’t go to external shareholders. Instead, they are returned to our members in the form of better interest rates, lower fees, quality customer service, and meaningful investment into our region. Read our Customer-Owned Banking Code of Practice.

Joining a local and customer-owned bank like Summerland has never been easier, nor more important. Because in a world that seems to be increasingly focused on helping yourself, we will never stop helping others, and supporting our local community.

A thriving local economy is central to our vision and benchmark for success. As a customer-owned bank, we are dedicated to better banking, stronger communities, and going beyond the traditional definition of what a bank ‘should be’. Find out more about our approach to braver banking.

While it depends on your definition of ‘better’, we believe that customer-owned banking represents the perfect blend of good old-fashioned customer service and the future of banking, where power is returned to communities.

We pride ourselves on offering more of what our customers want through a range of innovative, tailored and eco-friendly products that support you to realise your potential and build long-term financial freedom. And because we don’t have shareholders, any profits and savings are passed directly on to customers.

Disaster Preparedness

At Summerland Bank, we’re committed to empowering our community with resources and support for effective disaster preparedness. Time and again, whether we are faced with raging floods, devastating bushfires, or other challenges, this community comes together with a resilience, strength and deep-rooted commitment to being there for one another.

From financial readiness and having a small amount of cash on hand to safeguarding essential documents, including insurance policies, identification, and banking details, there are ways we can help expedite recovery and maintain access to emergency services and funds. And it’s always a great idea to safeguard critical financial documents in a waterproof container, and have digital backups stored securely in the cloud or a portable drive.

We leave no stone unturned to support our local community. Whether it’s waiving fees, deferring payments or switching products, there are plenty of ways we can help you through a tough time. Reach out for support.

There are a number of things we can do to support you through an emergency. And while we don’t provide disaster relief payments, we can provide information and referrals to a range of local programs and organisations ready to help. Find out more.

Financial Hardship

Sometimes it can be hard to know how much we’re struggling until it’s too late. Some possible signs of financial hardship and money distress to look out for include: continually missing payments, overdrawn accounts, debt is spiralling out of control without a clear plan for repayment, relying on short-term or ‘payday’ loans to get you by, and increasingly feeling worried or stressed about money. Learn more about the signs of financial hardship.

Times can be tough, often for reasons beyond our control. Possible reasons for financial hardship, include:

  • Unemployment or redundancy
  • Reduced working hours or financial downturn
  • Injury, illness or accidents
  • Divorce or separation
  • Death in the family or community
  • Natural disaster like flood, fire or storm damage
  • Significant rise in cost of living
  • Misguided investment or financial choice, inc. phishing or advance-fee scams

If you are experiencing financial difficulty, it’s important to reach out as soon as you can on 1300 802 222 or schedule a free callback.

Summerland Bank offers a range of support programs, tailored solutions, and dedicated assistance for our community when they hit rough times. We encourage you to reach out early, so we can help get you back on your feet faster. Here are some of the things we can do:

  • Reduce or defer repayments
  • Extend your loan terms
  • Waive fees and penalties
  • Switch your product
  • Make a financial counselling referral

If you are experiencing financial difficulty, it’s important to reach out as soon as you can on 1300 802 222 or schedule a free callback.

We want to make the process of applying for assistance as straightforward as possible, so you can access the support you need. Begin our simple three-step application process.

About B Corp Certification

B Corp Certification is an independent third party verification that takes into account a company’s entire business model, governance structure, and its social and environmental impact. Governed by not-for-profit organisation, B Lab, the movement represents thousands of businesses in almost 100 countries, across 150+ industries, and employing more than half a million people — all with one unifying goal: to transform the global economy to benefit all people, communities, and the planet. Learn more about B Corp Certification.

The ‘B’ stands for ‘benefit for all’ and it is the mark of a business that has been independently certified to go beyond business as usual to proactively meet high standards of social and environmental performance, accountability, and transparency.

Since 1964, we have been providing a braver banking alternative for the communities across Northern Rivers NSW, South East Queensland, and beyond. With a long-standing and deep commitment to sustainability and investing in our local community, we were proud to make it official by becoming a Certified B Corporation in 2023.

Learn more about our journey towards B Corp Certification on the Summerland blog, and find out more about this global movement of purpose-driven businesses by visiting: bcorporation.com.au

Our Approach to Investment

We define sustainability as actively pursuing environmental and socially sustainable business practices, and going beyond to make sure we are growing ethically, responsibly, and always delivering value for our stakeholders.

We believe that sustainability continues to hold significant value and meaning, especially at Summerland Bank. While it’s often overused and sometimes misused these days, for us, sustainability is far more than a buzzword — it’s a core principle guiding our actions and decisions.

The way we see it, if we want ‘sustainability’ to mean something, it has to be backed by action. Here are six signs we mean business when it comes to sustainability.

Taking strong and principled positions on banking, investment and lending, we do not invest directly in the following industries as part of our commitment to developing a more sustainable world:

  • No fossil fuels
  • No tobacco
  • No gambling
  • No live animal export
  • No weapons

Find out more about industries we do not invest in.

While we are proud of what we don’t invest in, we are also proud of all the things we do invest in, such as:

  • Renewables and energy efficiency
  • Preserving natural heritage
  • Sustainable farming practices
  • Financial literacy in the community
  • Supporting local initiatives

Find out more about industries we do invest in

ESG Principles

ESG stands for Environmental, Social, and Governance. They are guidelines that help businesses and investors make decisions that are not only profitable but also beneficial for the world around us.

‘Environmental’ considers how companies interact with nature — think clean energy and reduced pollution. ‘Social’ looks at how businesses treat people, including their workers, customers, and the communities they serve, ensuring fairness, equality, and safety. ‘Governance’ covers the ethics of companies, ensuring they operate with integrity, transparency, and accountability.

Environmental, Social and Governance (ESG) principles have been a part of the fabric of our business from the very beginning, guiding our practice, and keeping us focused on delivering the best possible service and support to our customers, communities and the planet. Download our ESG Declaration.

You should never just have to take our word for it. By providing regular and transparent reports on the ‘eco-friendly’ claims we make, and by measuring our footprint based on globally verified standards, we give you trust and confidence that we’re doing what we say we do. This is primarily through the rigorous and independent process of B Corp Certification. Our goals and actions are also aligned to a number of the Sustainable Development Goals (SDGs), and we make our reporting publicly available.

Minimising our Footprint

Since 2009, we have minimised our footprint by a whopping 24% and cut our paper use by 36%. But we’re not done yet. Our branches are now run on 100% renewable energy, and we are making bold moves towards becoming carbon positive as a business. Find out more about our commitment to sustainability.

We offer specialised loans at competitive low rates for businesses and individuals looking to invest in renewable energy projects or technologies, from solar panels to wind turbines. Find out more about our Eco Loans.

We are deeply committed to minimising our footprint and we are fast becoming carbon neutral. Our head office is using 100% green energy and all of our paper is certified carbon neutral under the National Carbon Offset Standard. We actively invest in projects designed to protect and preserve our natural heritage, and look forward to sharing our journey to net zero with our customers.

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Banking and loan products are issued by Summerland Financial Services Limited ABN 23 087 650 806 AFSL/Australian credit licence 239 238  trading as Summerland Bank. Terms, conditions, fees, charges and lending policies apply. Applications are subject to credit approval. Rates current as at 31 October 2023 and subject to change.

This is general advice only and may not be right for you. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, and consider if appropriate for you before deciding.

Insurance products are issued by Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance (CGU). Conditions, limits and exclusions apply. Before buying this insurance, read the relevant PDS and consider whether it is right for you. The Target Market Determination is also available on request.

© Summerland Financial Services Limited, trading as Summerland Bank | BSB 728-728 | ABN 23 087 650 806 | AFSL 239 238 | Australian Credit Licence 239 238 | All rights reserved.

As a B Corp, we're part of a global community of businesses that meet high standards of social and environment impact. Click here to learn more about being B-Certified.

Summerland Bank acknowledges the Traditional Custodians of the land on which we live and work in Australia. We pay our respects to elders past, present and emerging, and acknowledge the ongoing connection that Aboriginal and Torres Strait Islander peoples have with Australia’s land and waters.