Good Members. Great Rewards.
In celebration of you and our education community, 12 Days of Cracker Cash returns for 2025. Every day for 12 days leading up to Christmas, you could be in the running to win one of 12 cash prizes of $500.
Best of all, we’ve done the homework for you. If you’re an eligible member* you’ll receive an automatic entry into the draw.
So, follow us on facebook and instagram and keep an eye on our social posts from 14 December to find out if you’re one of our lucky winners.
Want to know if you’re one of our eligible members? See our full 12 Days of Cracker Cash Member Giveaway T&Cs below.
Here’s to another cracker Christmas.
TERMS AND CONDITIONS
Competition Details
Our details
The promoter is Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence No 238981, 28-38 Powell Street, Homebush NSW 2140.
Promotion
These are the terms and conditions for the 12 Days of Cracker Cash (the Promotion). Entry into the Teachers Mutual Bank 12 Days of Cracker Cash Member Giveaway is automatic for eligible members. Entry is limited to one entry per member including joint account holders.
Eligibility Criteria
*An eligible Member is a person who is:
• at least 18 years old at the time of the draw;
• a member of Teachers Mutual Bank;
• an active consent holder for Teachers Mutual Bank’s marketing at the time of the draw;
• depositing at least $1,000 per month to their everyday account, everyday direct account, bill paying account, savings account, personal loan or home loan with the Bank for a minimum of three months before the draw and;
Exclusion Criteria
You are ineligible for the 12 Days of Cracker Cash Member Giveaway if you are:
• a person who is a customer of the Bank but not a Member;
• a person who is a Director of the Bank;
• a Member of the Members Committee of the Bank
• a person who holds membership with another division of Teachers Mutual Bank Limited.
• a current employee of Teachers Mutual Bank Limited;
• a spouse, de facto, parent, grandparent, child, stepchild, grandchild, brother or sister of a current employee of Teachers Mutual Bank Limited;
• a Member that is a deceased estate or whose Membership is marked “Estate of the Late” or whose Membership is as a trustee for a deceased estate;
• a Member whose membership is marked as Non-Shareholding, Resigned, or Resignation pending shares;
• a Member who only has dormant accounts or accounts that have been inactive for a period of 3 months or greater;
• a Member who has a bad debt written off by the Bank, or who is bankrupt, or who has had legal action against them taken by the Bank or a judgment in favour of the Bank against them;
• a person who is not a Member but only a third party with authority to operate on the account of a Member;
• a Member who is a company, an authorised deposit taking institution, a person who only operates business accounts with the Bank, or an association;
• a Member whose Membership is marked DO NOT USE; or
• a person who is only a prospective Member.
Promotion Period
The promotion period commences 14 November 2025 and concludes 5 December 2025.
During the promotion period, members must meet the above eligibility criteria to be automatically entered into the draw.
Winner Draw
All 12 winners will be drawn, via a random number generator, from a list of eligible Members as at 8 December 2025.
Draw to be held at Midday Sydney time, 8 December 2025 at Teachers Mutual Bank Limited 28-38 Powell Street, Homebush NSW 2140.
Redraw
If prize payment is unable to be made to any winner due to resignation of membership prior to payment being credited, a new winner will be drawn. Selection will be via a random number generator, from the same list of eligible members used for the initial draw.
Redraw held at Midday Sydney time, 8 January 2026, Teachers Mutual Bank Limited 28-38 Powell Street, Homebush NSW 2140.
Winner announcement period
The announcement period commences 14 December 2025 and concludes 25 December 2025.
During the announcement period, the name of one winner a day will be posted on the Bank’s social media platforms.
Prize details
There are 12 cash prizes of $500, awarded to 12 eligible members from the Bank. The cash prizes will be distributed as follows:
Teachers Mutual Bank
• 12 x $500
• Total prize pool: $6,000
Each prize will be paid into the winner’s Everyday Account via a direct credit by the Bank within 10 working days of the announcement period concluding on 25 December 2025. Prizes are not transferable.
Winner promotion
The winners will be announced on the Bank’s social media using a combination of their first name, surname initial, city and postcode (i.e. Jane.D, Sydney 2000) for a period of 3 months for the purpose of publicising this promotion by the Bank. A winner can request at any time that their details are not included in (or removed from) the social media posts.
Winner notification
Winners will be notified in writing via email within seven days of the winner draw which takes place on 8 December 2025. Winners will also be published on the Bank’s social media platforms from 14 December 2025 – 25 December 2025. Winners selected via redraw will be published on the Bank’s social media platforms on 15 January 2026.
Privacy and personal information
We will collect, retain and use your personal information for the purposes of administering the Promotion, communicating with you, providing information about products and services offered by us or our approved suppliers, and as described in our Privacy Policy. The Privacy Policy explains how entrants can access or correct their personal information, file privacy complaints, and learn how such complaints are managed.
Full competition Terms and Conditions available online at tmbank.com.au/coe-terms-and-conditions. Entries close 5:00pm Sydney time, 5 December 2025. Drawn at Midday Sydney time, 8 December 2025, Teachers Mutual Bank Limited 28-38 Powell Street, Homebush NSW 2140. Winners published on social media from 14 December 2025 – 25 December 2025 and notified via email. Permit Numbers: SA TP 25/2048/, ACT TP 25/02718
If for any reason any aspect of this Promotion is not capable of running as planned, including by reason of computer virus, communications network failure, bugs, tampering, unauthorised intervention, fraud, technical failure or any cause beyond the control of the Promoter, the Promoter may in its sole discretion cancel, terminate, modify or suspend the Promotion and invalidate any affected entries, or suspend or modify a prize, subject to State or Territory regulation.
This promotion does not form part of any financial product or offer. Eligibility is based on existing account activity.
Teachers Mutual Bank Limited. 28-38 Powell Street, Homebush NSW 2140. ABN 30 087 650 459 AFSL/Australian Credit Licence 238981
