Fact sheets and infographics

The Australian Bankers’ Association provides information to the public about banking and financial issues that affect all Australians.

If you cannot access any of the fact sheets, please freecall 1800 009 180 and we will arrange to get you a copy of the information that you require.

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Small Business – Protecting your business information online
17 Jan 2012
Small businesses are increasingly opting to do business via the Internet and are opening their business and telephone lines to customers and suppliers through electronic trading. They are opting to do business online because it is convenient, opens the business 24-hours a day, can lead to lower overheads and access to a wider potential market. However, this new way of doing business can expose the business to risks through the very medium that is providing tremendous advantage and access to customers and suppliers not previously imagined. This fact sheet prepared by the Australian Bankers’ Association and the Australian High Tech Crime Centre provides useful information for any business seeking to use the Internet and in particular, to protect access to your systems and business records from the outside, when Internet trading, either in or out, is conducted by your business.
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A strong banking system
13 Jan 2012
Australia has a long history of stable and safe banks. One indicator is the fact that virtually no Australian has lost their deposit in an Australian bank in the last 100 years. The last failure where depositors’ money was lost occurred in 1931 when depositors in the Primary Producers Bank of Australia lost a negligible amount of their deposits.
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Bank Account Basics
13 Jan 2012
Need somewhere to have your salary paid? Need somewhere to make regular payments? Need somewhere to secure your savings? Money and banking are part of everyday life. Banks offer all sorts of financial products to help you manage your money on a day-to-day basis. Managing money is getting more and more complicated, so it’s good to know and understand the basic features available in most bank accounts.
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Credit Basics
13 Jan 2012
Credit is another term for borrowed money. Used effectively, credit offers some real benefits. Credit can help you achieve your financial goals. However, it’s important to use credit responsibly. If credit gets out of control, there can be serious consequences for your financial health – it can have adverse effects on your relationships and put your financial goals out of reach. Managing your credit carefully will ensure it’s something that works for you, rather than becomes a burden.
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Cheque Clearance
13 Jan 2012
Cheque funds are not available immediately after the funds are deposited in a bank account. Once you deposit a cheque, the funds are normally available after three business days. If you require access to your funds earlier than this, you can request a fast clearance for a fee when you deposit the cheque.
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Contact your bank – Solving your banking problems
13 Jan 2012
With thousands of retail banking products and services on offer from banks, and millions of transactions conducted every year, it’s little wonder that sometimes you just need someone to help point you in the right direction. Maybe you need help with knowing what products and services are available, or help with understanding the language, or help with keeping your finances on track, or help with making a complaint.
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Competition Benefits Consumers
13 Jan 2012
Australia's 19 million bank customers enjoy the benefits of strong competition in a deregulated banking system.
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Code of Banking Practice
13 Jan 2012
The Code establishes the banking sector’s key commitments and obligations to its individual and small business customers on standards of practice, disclosure and principles of conduct for their banking services.
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Exception Fees – Current
13 Jan 2012
This fact sheet on exception fees provides updated information and comparative tables. It follows an earlier fact sheet (August 2007). Since the ABA announced its initiative in May 2007 to provide more information, most banks have updated the information available and provided tips on how to avoid these fees. They have also either reduced or abolished some exception fees.

Important note from the Australian Bankers' Association: The information in this fact sheet is now out-of-date because of announcements made by individual ABA member banks in August 2009 which have reduced or abolished exception fees for some products and services. If you would like to know if exception fees apply to the bank account which you are using - please contact your bank and discuss.
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False Information circulating on e-mail about PINs
13 Jan 2012
The Australian Bankers’ Association (ABA) says information circulating in an e-mail about the use of a ‘reverse PIN’ at an ATM is false. From time to time, an e-mail containing incorrect information circulates in the community. This fact sheet has been prepared advising the community about this ‘urban myth’. The e-mail claims that by entering your PIN in reverse into an ATM will summon police. This claim is false.

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