Legal
Advice provided by MyState Bank on this website does not take into account your personal objectives, financial situation or needs. You should consider whether it is appropriate advice for you.
MyState Bank recommends you read our Product Disclosure Documentation below before acquiring the product. Loan applications are subject to MyState Bank credit approval criteria and may also require approval of a Lenders Mortgage Insurer. Terms and conditions, fees and charges apply. Fees and charges are subject to change.
Financial Services Guide
Credit Guides
Complaints Policy
Target Market Determinations
A Target Market Determination is a document created by MyState Bank which describes:
- the class of customers within the target market for the product;
- any conditions or restrictions on how the product can be distributed to customers;
- events or circumstances that will require MyState Bank to review the Target Market Determination for a financial product; and
- (for some products) the information that third party distributors must provide MyState Bank.
We’re required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019. This is to make sure we’re keeping customers at the centre of our approach to the design and distribution of our financial products.
Entities or persons engaging in Retail Product Distribution Conduct under the Product Design and Distribution Obligation laws must report information outlined in Target Market Determinations within a specified timeframe to Product Issuers. If you are looking to report information to MyState Bank, please email your information to DDOReporting@mystate.com.au
Deposit Accounts (Savings, Transactions & Term Deposits)
Terms & Conditions, Fees, Interest Rates
- Terms & Conditions for Deposit Accounts & Electronic Banking
- Fees and Charges for Deposit Accounts
- Interest Rates for Personal Deposit Accounts
- Interest Rates for Business Deposit Accounts
- Terms & Conditions for Cheque Facility
- Dixon High Yield Cash Account (available through Dixon Advisory & Superannuation Services)
Information for No Longer Offered Products
- Terms & Conditions for No Longer Offered Deposit Accounts & Electronic Banking
- Terms & Conditions for No Longer Offered Deposit Accounts & Electronic Banking Formerly offered by The Rock
- Interest Rates for No Longer Offered Personal Deposit Accounts
- Interest Rates for No Longer Offered Deposit Accounts Formerly offered by The Rock
- Fees & Charges for No Longer Offered Deposit Accounts
- Fees & Charges for No Longer Offered Deposit Accounts Formerly offered by The Rock
- Terms & Conditions Cash Management Account & Electronic Banking (No longer offered)
Target Market Determinations
- Glide Account Target Market Determination
- Basic Account Target Market Determination
- Access Assist Account Target Market Determination
- Christmas Account Target Market Determination
- Offset Account Target Market Determination
- Regular Term Deposit Account Target Market Determination
- Online Term Deposit Account Target Market Determination
- Income Term Deposit Account Target Market Determination
- AMM Term Deposit Account Target Market Determination
- Term Deposit Shop Term Deposit Account Target Market Determination
- IAM Term Deposit Account Target Market Determination
- IAM Special eSaver Account Target Market Determination
- Dixon High Yield Cash Account Target Market Determination
- Dixon Advisory Term Deposit Account Target Market Determination
- CIPL Online Cash Management Account Target Market Determination
Home Loans
Guides, Terms & Conditions, Fees, Interest Rates, Fact Sheets
- Credit Guide
- Fees & Charges for Household Lending
- Interest Rates for Household Lending
- Lenders Mortgage Insurance (LMI) Customer Fact Sheet
- Home loan product key fact sheets
Information for No Longer Offered Products
Target Market Determinations
- Basic Variable Home Loan Target Market Determination
- Basic Variable Home Loan (FHLDS) Target Market Determination
- Basic Variable Residential Investment Loan Target Market Determination
- Special Residential Home Loan Target Market Determination
- Special Residential Investment Loan Target Market Determination
- Fixed Rate Home Loan Target Market Determination
- Fixed Rate Home Loan (FHLDS) Target Market Determination
- Fixed Rate Residential Investment Loan Target Market Determination
- Standard Variable Home Loan Target Market Determination
- Standard Variable Residential Investment Loan Target Market Determination
Insurance
Product Disclosures, Policies, Fact Sheets
- Home insurance with flood cover product disclosure statement and policy
- Fundamentals home insurance with flood cover product disclosure statement and policy
- Car insurance product disclosure statement and policy
- Caravan insurance product disclosure statement and policy
- Boat insurance product disclosure statement and policy
- Landlords insurance with flood cover product disclosure statement and policy
- Travel insurance product disclosure statement and policy
- Home Building key fact Sheet
- Home Contents key fact Sheet
Information for No Longer Offered Products
- Mortgage Protection Product Disclosure Statement (No longer offered)
- Loan Protection Product Disclosure Statement (No longer offered)
Target Market Determinations
Target Market Determinations for Insurance products provided by CGU can be found on the CGU website - cgu.com.au/about-cgu/partner-tmd
