Sitemap Talk to us Phone us Email us Breadcrumbs Teachers Mutual Bank Sitemap Teachers Mutual BankWhy Join UsTiny Monsters & Teen BankingTiny Monsters BankTips for parentsActivities centreTips for teensHow we can helpNew TeachersYour Financial WellnessHome loansGetting startedGetting startedYour Way Home LoanYour Way Plus Home LoanInvestor home loansYour Way Investor Home LoanYour Way Plus Investor Home LoanHome Guarantee SchemeMobile BankersTalk to an expertHome loans no longer offeredOffset facilityFirst home buyers hubRefinanceConfidence on callResourcesSaving for your new homeWorking out your depositWhat is the process?When and how to apply for a home loanHome Loan Application ChecklistFirst home buyersChoosing a propertyBuying a propertyConstruction loanYour next homeInvesting In PropertyPositive vs negative gearingRefinancingLenders mortgage insuranceDeposit BondGetting legal adviceMaking repaymentsManaging your home loanOffset explainedPortabilityAccountsEveryday bankingSavings accountsTerm DepositAccount resourcesEveryday Direct accountEdvest Cash Management accountMember Term DepositMighty Saver accountNew Teachers Online Savings accountOnline Savings accountPension Advantage accountTarget Saver accountProducts no longer availableManaging your accountAccounts resourcesBetter Money Management podcastsEpisode 1. BudgetingEpisode 2. SavingsEpisode 3. Being Credit HealthyBetter Money Management seriesSix monthly statementsSwitching your account to usSwitch to online statementsEveryday Direct account#originalinfluencersCredit CardFeaturesRates and feesKey facts sheetFAQsReduce your limit or close your credit cardMake the most of your cardPersonal loansAll Purpose Personal LoanFixed Rate All Purpose Personal LoanCar LoanFixed Rate Car LoanCar Buying ServiceFrequently asked questionsMake the most of your loanPersonal loans no longer offeredTravelGetting startedForeign exchangeSend money overseasReceive money from overseasFrequently Asked Questions relating to ConveraForeign CashTools and resourcesOffersAbout usOur story50 years and still going strongCareersMedia releases2018 media releases2017 media releasesTeachers Mutual Bank rolls out Cuscal mobile app to 100,000 members2016Teachers Mutual Bank is again an Employer of Choice for Gender EqualityMyth busted: Aussie kids DO know the value of a dollarAnnual results show continued growth and strengthApple Pay coming to Teachers Mutual Bank membersTeachers Mutual Bank and UniBank return to investment lendingTeachers Mutual Bank teams up with KPMGUniBank enters broker market for the first timeUniversity lecturer awarded for supporting aspiring teachersWinners at banking awards Teachers Mutual Bank to merge with Fire Brigades Employees Credit UnionWe are Bank of the YearMedia releases 2015Teachers Mutual unveils new low rate mortgage productTeachers Mutual Bank delivers on all fronts in 2015 Annual ResultsTeachers Mutual Bank investment loan changesPioneering the new frontier of ethical investmentTeachers Mutual Bank cuts variable rates by up to 0.25%pa Unicredit moves to merge with Teachers Mutual BankTMB one of WME companies for 2nd year runningTeachers Mutual Bank passes on full 0.25%TMB announces its lowest home loan rate in 40 years2019 media releasesNSW’s most inspired teachers2020New Victorian Mid-Career Teachers Scholarship2023World-class Scholarship is Empowering School Principals and Transforming CommunitiesTeachers Mutual Bank Sends its Tenth Principal to HarvardMedia releases 2014Member newsMember news 20182018 Teachers Mutual Bank Limited Annual General MeetingNSW & ACT Bank HolidayWhy I’m sleeping rough Royal Queensland Show DayStay Smart OnlineVote in our 2018 Board electionBe Wary of Free TrialsAnzac Day public holidayAustralia Day public holidayCanberra DayChanges to Credit Reporting LegislationFraud Alert: email scamsPrivacy Awareness Week – How to stay secure onlineQueen’s Birthday public holidayQueensland Labour DayReconciliation Day in ACTWestern Australia DayWestern Australia Labour DayEaster public holidaysNew office opening in West PerthMember news 2019First Home Loan Deposit SchemeTeachers Mutual Bank Limited Annual General MeetingWe've updated our Internet BankingVote in our 2019 Board electionAdvance notice of Annual General MeetingDocklands Melbourne officeRBA announcementRBA rate cut October 2019New Variable Home Loan interest rates2020RBA rate cutInterest rate decisionUpdate: Murdoch University and Curtin University branches WA – temporary closureAnnual General Meeting 2020RBA rate cut 2021Teachers Mutual Bank reveals the secret life of teachersFindings from the Your Financial Wellness User Insights Report 2021Indigenous education holds insights for wider community2022December 2022 Interest Rate ChangesDecember 2022 RBA AnnouncementNovember Interest Rate ChangesNovember 2022 RBA AnnouncementOctober Interest Rate ChangesOctober 2022 RBA AnnouncementSeptember Interest Rate ChangesSeptember 2022 RBA AnnouncementAugust Interest Rate ChangesJuly Interest Rate ChangesJune Interest Rate ChangesAugust 2022 RBA AnnouncementIn times of uncertainty you can depend on us.July 2022 RBA AnnouncementRBA AnnouncementInterest Rate ChangesRBA Announcement2023 Member newsJune 2023 RBA AnnouncementTeachers Mutual Bank Sends its Tenth Principal to HarvardMay 2023 Interest Rate ChangesMay 2023 RBA AnnouncementFebruary 2023 Interest Rate ChangesFebruary 2023 RBA AnnouncementMarch 2023 Interest Rate ChangesNovember 2023 Interest Rate Changes7 August 2023 Interest Rate ChangesJune 2023 Interest Rate ChangesMarch 2023 RBA AnnouncementNovember 2023 RBA AnnouncementCompetition winnersFormsApplyInternet Banking accessibilityBanking that comes to youCalculators and toolsStamp dutyBorrowing power calculatorHome Loan comparison calculatorHome loan repaymentsExtra repayments calculatorHome loan key facts sheetLump sum repayments calculatorForeign currency converterBudget plannerCredit card repaymentIncome tax calculatorPersonal loan repaymentsSavings plannerSplit home loan calculatorCar loan repayments calculatorMortgage offset calculatorTerm deposit calculatorCommunityYour CommunityNational Teacher MentorshipVictorian Mid-Career ScholarshipFuture Teachers ScholarshipsNSW Premier’s Teachers Mutual Bank Aboriginal Education ScholarshipTeachers Mutual Bank Principals ScholarshipClimate ActionSocially Responsible ProductsBe EthicalOur PartnershipsPartners and sponsorshipsAnn D Clark AwardCommunity news2020Teachers Mutual Bank Victorian Mid-Career Scholarship is open2019NSW Premier’s Teachers Mutual Bank New and Emerging Technologies Scholarship 2020 recipient announcedNSW Premier’s Teachers Mutual Bank Aboriginal* Education Scholarship 2020 recipient announcedTeachers Mutual Bank Emerging Leaders Scholarship 2019 Recipient Announced Teachers Mutual Bank Principals Scholarship 2019 RecipientTeachers Mutual Bank Principals Scholarship Applications now open for 2020Seventh year in a row for Banks' global leadership in community investmentTeachers Mutual Bank Principal's Scholarship is open 2019Teachers Mutual Bank Emerging Leaders Scholarship is open 20192018Premier’s Indigenous Education Scholarship 2019 recipient announcedPremier’s Teacher Scholarship 2019 recipient announcedCorporate responsibility highlights in 2018Teachers Mutual Bank Executive Leadership ScholarshipTeachers Mutual Bank Principals ScholarshipTeachers Mutual Bank Limited supports UN Sustainable Finance Roadmap for Australia Teachers Mutual Bank's ethical bond issuance expands to $420 millionBank’s investment in financial literacy creates brighter future for over 26,000 Cambodian childrenTeachers Mutual Bank Executive Scholarship is closedTeachers Mutual Bank Principals Scholarship now closed for 2018 Teachers Mutual Bank named one of the World’s Most Ethical Companies for fifth year in a row Teachers Mutual Bank Limited sets sustainability standards2017Celebrating the bank’s sustainability milestonesTop 20 Corporate Social Responsibility achievements in 2017Fifth year in a row for Teachers Mutual Bank at Retail Banking awards Six times a global leader for Teachers Mutual Bank on communityNSW Premier’s Indigenous Education Scholarship 2017 winner announced NSW Premier's New and Emerging Technologies Scholarship winner announced Teachers Mutual Bank ethical bond issuance doubles to $200 million Teachers Mutual Bank strengthens commitment to be a world leading ethical BankTeachers Mutual Bank Executive Leadership ScholarshipTeachers Mutual Bank Executive Leadership Scholarship is now open for 2018Teachers Mutual Bank Harvard ScholarshipTeachers Mutual Bank joins global banking networkTeachers Mutual Bank Principals Scholarship now open for 2018Teachers Mutual Bank Ltd publishes updated CSR PolicyTeachers Mutual Bank recognised as a world ethical leader for fourth year in a rowTeachers Mutual Bank Ltd position on climate change and fossil fuels 2016Teachers Mutual Bank citation as a 2016 Employer of Choice for Gender EqualityChildren's Financial Literacy Project 2016Congratulations to our eight Future Teachers Scholarship winnersHarvard Club of Australia Teachers Mutual Bank Scholarship 2016Leaders in workplace gender equalityPremier’s TMB New and Emerging Technologies Scholarship 2016NSW Premier’s Teacher Scholarship 2016 winner announcedOur Top 20 Sustainability achievements in 2016Teachers Environment Fund grants open for 2016 Fiji Cyclone: Teachers Mutual Bank donates $10,000 to Save the Children Harvard Club of Australia Teachers Mutual Bank Scholarship 2016Teachers Mutual Bank upbeat on solar upgradeTeachers Mutual Bank issues $100m three year ethical bond - an Australian banking first Teachers Mutual Bank shows global leadership with 5.39% profits to community investment TMB supports Bell Shakespeare's Regional Teacher mentorshipWinners at banking awards Ethical business practices20152015 Round One Teachers Environment Fund winners announcedA global leader in community investmentTeachers Mutual Bank named ‘Best Bank in Socially Responsible Performance’ by AB+FEthical investment at Teachers Mutual Bank LtdFuture Teacher Scholarship winners 2015$40,000 of Future Teachers Scholarships now open for 2016A global leader in community investmentHarvard Club of Australia Teachers Mutual Bank Scholarship now open for 2016Myanmar Teachers Project exceeds expectationsOur sustainability year: Top 10 highlightsPioneering the new frontier of ethical investmentPremier’s Teachers Mutual Bank New and Emerging Technologies ScholarshipPremiers Teachers Scholarship winner 2015Sustainability Committee Charter updated Teachers Environment Fund Round One now openTeachers Mutual Bank ranked among top CSR organisationsTeachers Mutual Bank sponsors ‘Sticky Money’ report by Ernst and YoungTeachers Mutual Bank supports the Australian Climate Leadership Summit TMB named as a 2015 Worlds Most Ethical Company for the 2nd yearUpdated Sustainability Policy formalises lending and investing exclusions on fossil fuels201485% score for Teachers Mutual Bank by the Australian Centre for Corporate Social Responsibility‘Board Leadership of the Year’ for Climate ChangeCarbon Neutral BankingCongratulations to Bryan Lyndon, recipient of our Teachers Mutual Bank Recognition Award!Congratulations to Sue Milford, recipient of our Teachers Mutual Bank Recognition Award!Eco grants for teachers open at Teachers Mutual BankFuture Teacher Scholarship winners 2014$5,000 Future Teachers Scholarships openHarvard Club of Australia Scholarship 2014Inspirational NSW Principal awarded prestigious Harvard scholarshipTeachers Mutual Bank School Sport Award Winner - Jeff Buxton Weston Public SchoolLightning Ridge teacher plans to engage Aboriginal students with tech devicesMutuals support Philippines Typhoon rebuildMyanmar Teachers Project updateMyanmar Teachers Project updatePremier’s Teachers Mutual Bank New and Emerging Technologies ScholarshipRound two eco grants awarded from the Teachers Environment FundSchools awarded $32,000 eco grants by Teachers Mutual BankSix months on from devastating Typhoon Haiyan credit unions re-open for businessSusan Brasier of Sturt Public School wins Teachers Mutual Bank School Sport AwardTeachers Mutual Bank named as one of the World’s Most Ethical CompaniesTeachers Mutual Bank publishes ‘Our approach to Climate Change’The importance of goal settingTeachers Mutual Bank further improves international CSR scoreTeachers Mutual Bank gets in the grooveTeachers Mutual Bank named finalist in Banking and Finance Socially Responsible Performance awardTeachers Mutual Bank Performing Arts Teacher Recognition AwardTeachers Mutual Bank Performing Arts Teacher Recognition AwardTeachers Mutual Bank wins the UNAA Sustainability Leadership awardLightning Ridge teacher plans to engage Aboriginal students with tech devicesThe value of team workTMB named Finalist in Banksia Award ‘Large Business Sustainability Leadership’WA Secondary School of the YearWe are nominated for a NSW Green Globe award2013$5,000 Future Teachers Scholarships open – A passionate teacher is hard to forgetA global leader in community investmentBook celebrates successes in Aboriginal EducationDonation to Haiyan AppealCommunity News‘Getting Down to Business’ A Guide for Beginning Teachers publishedMyanmar teachers’ project builds a sustainable future for the countryNSW Premier’s Teacher ScholarshipOur Scholarship winners announcedRevamped recycling programme launchedSimple steps to make a big difference to your financesSustainability award for Teachers Mutual BankTeachers Environment Fund winners announcedTeachers Mutual Bank awarded Gold for CSR against international heavyweightsTeachers Mutual Bank invests in an electric car futureTeachers Mutual Bank issues RFP for carbon offsetsTeachers Mutual Bank nominated for Outstanding Leadership in Sustainability in the UNAA World Environment Day AwardsTeachers Mutual Bank nominated for NSW Green Globe awardTeachers Mutual Bank shortlisted for prestigious Asia Pacific Banking and Finance AwardThank you Members, Stewart House fundraiser reaches $27,000!Update on the Myanmar Teachers ProjectWe beat Westpac and NAB to win prestigious Sustainability Banking award201274 Sustainability targets published in our Annual reportApply now for our Future Teacher ScholarshipCongratulations to our Teachers Environment Fund winners! Member survey on Sustainability releasedTeachers Credit Union punches above its weight Corporate Responsibility AwardTeachers Environment Fund opensTeachers Mutual Bank and Sydney Region DEC publish book celebrating Aboriginal education achievementsTeachers Mutual Bank earns sustainability accoladesTeachers Mutual Bank featured in The Australian's special LBG reviewTeachers Mutual Bank is a global leader in community investmentTeachers Mutual Banks Sustainability Committee CharterTeachers Mutual Bank nominated as a finalist for the 'Best CSR Strategy' awardTeachers Mutual Bank’s new Sustainability Policy publishedComplaint resolutionContactFinancial hardshipFinancial hardshipManaging credit card debtFinancial hardship FAQsRepayment pause FAQsStability and performance of our banking servicesOur LocationsHead OfficeNSWVictoriaQueenslandWAACTService UpdatesDesign and Distribution ObligationsEdvest2020Market updateRules around early access to your superannuationApps that make your life easierScams: what you need to knowMarket updateClean up your everyday spendingWorking from homeTips for spotting a scam emailEssentially YouHelp CentreAccounts HelpHow does a Direct Debit or Recurring Payment work?How do I make payment with multiple signatories?How do I open a Customer Term Deposit?How do I open a Member Term Deposit?How do I open a new account in Internet Banking?How can people transfer funds to me?How do I receive my bank statements?How do I close an account?How do I check my balance?How do I switch my accounts to you?How do term deposits work?Tips for tax timeWhat is my daily transfer limit for internet banking?How do I send money or receive money overseas?What is the financial claims scheme?How do I authorise another person to access my account?Where can I find information on Deceased Estates?Which account is right for under 18s?How can I change my name on my account?How do I close my membership?What foreign tax details does the bank require?Banking HelpHow do I set up a future payment?What are push notifications?Do cards transfer to a new phone?Do you have a mobile app?How do I transfer my money?Where can I find my Member number? Generate an up-to-date Transaction History listingHaving problems with the Mobile App?Can I access your website and Internet Banking using Windows 7?RediATM updatePaytoWhat happens if I do not tell you my Tax File Number?PayIDHow do I find unclaimed money?How do I find out my BSB?How do I change my personal details?How do I improve the privacy settings when receiving an SMS?How do I change my card PIN?How do I deposit cash?Getting started with internet bankingWhat if I am having difficulty with internet banking?How secure is banking online?How do I pay a bill using BPAY?I did not receive my one time password by SMSI do not have a Teachers Mutual Bank cardI forgot my Access CodeMy mobile number has changedWhat is an Access Code?What is an account number?I need technical assistance What browsers should I use for the website and online banking?What is a one time password?Cards HelpHow can I control my cards in the Mobile Banking App?Why are we moving from rediCARD to Visa?How can I decrease my limit or close my credit cardCredit card essentialsHow do I activate my card?Visa debit card essentialsI have a question about SpriggyHow do I report a lost or stolen card?What is a Mobile Wallet?What does interest free period mean?When will I get my new card when it is up for renewal?How does Google Pay work?How does Apple Pay work?How does Samsung Pay work?Home Loan questionsCan someone come out to see me about a home loan?How can I redraw from my loan?How do I apply for an owner occupied home loan?How does a Fixed Rate Home Loan work?What are your home loan interest rates?What do I need to apply for a home loan?What is a Break Cost?What is offset?What is the difference between positive and negative gearing?Home loan glossaryOther ways we can helpAre there any system updates or planned maintenance?Can I get an insurance quote?Book a Wills Service AppointmentI want a school plannerDo you offer scholarships?Can you help me find a car?Do you offer sponsorship opportunities?How do I contact you from overseas?RoadworksPublic holidaysLatest newsWhat are your office opening hours and locations?What community or sustainability work do you do?What hours is your contact centre open?What if I do not live near an office?Why do I have to join?Troubleshooting helpA file is downloaded when I try to log inI am getting a system errorI am unable to log in to the appI am unable to view or open statementsiOS 17 is comingThe Internet Banking window is not openingTravel HelpNotify us of your international travel plansHow do I contact you from overseas?Important informationTerms and conditionsPrivacyPrivacy Consent - LendingPrivacy and Credit Reporting PolicyPrivacy NoticeStatement of Notifiable Matters Supporting you at every stageRatesSearchSecurityHow we protect you onlineHow we keep you safe onlineAdvanced monitoringOne Time PasswordsDaily transaction limitBrowser security checksProtect yourself onlineKeeping your access code safeStaying safe while using Internet BankingKeeping your computer secureStaying safe while shopping onlineFraud and scam protectionCard securityProtect your cardStaying safe at ATMsReporting suspicious transactionsVISA payWave Zero LiabilityVisa Secure and Eftpos SecureTravelling overseasMobile securityProtecting your mobile walletStaying safe when banking on the goKeeping your mobile secureSustainabilityThank youThinkBankMoney tipsA quick guide to common car finance optionsHow to improve your financial wellnessThe Christmas season on a budgetFive creative ways to invest $1,000How to talk about money in your relationship5 personal finance apps to help you hit goalsEasy ways to save while studyingBreak your debt cycle—debt consolidation What's in your credit report and how to keep it healthyHow to increase your borrowing powerOpen banking—the next ‘big thing’ in banking4 tips to manage your credit card balanceWhat is good debt?Financial check-up for your New YearBeware of scams this holiday season How you can give back as a teacherHere are some tips on how to save money5 things to think about when choosing a carEmergency funds: Why you need oneOnline shopping and auction site safety 101R.E.S.H.A.P.E. your 2020 financesAvoiding investment scamsWondering what to do with your tax refund?Ditching the holiday debtNew Year, new financial you4 ways to better handle your financesConsolidate your debtGet prepared for tax timeTime to give your finances a spring clean?Filing tax when de facto — what to consider5 reasons to check your home loan rateTips for managing your credit card balanceTax tips for teachersTravel5 R&R getaway ideas on a budgetWhy staycations are perfect holidaysStay safe online when travelling overseasTop five travel destinations for 20198 easily forgotten travel planning essentials11 budget friendly family travel hacks10 travel tips for your next overseas holidayWhere in the world?Fiji's adventure playgroundMove over Hunter ValleySix of the best: Wildlife experiencesThe world's best (and worst) citiesPropertyComparison rates 1015 must read tips for first home buyersRenting vs Buying – the Pros and ConsRent or buy?What is the difference between offset and redraw?Step-by-step guide to buying propertyHow much deposit do you really need?Established home vs new build? The pros and consHow to prepare for your home loan applicationWhere to from here? The shifting Australian housing marketTips for bidding at auctionsUnderstanding your home loanBorrowing to build your dream homeGood financial habits for a good credit scoreHelping you understand Lenders Mortgage InsuranceHome buying mythsHow much you do you really need for a house deposit?Understanding package home loansShould I get solar installed in my new home?Sprucing up your property for a spring sale When big isn't bestGoing, going, goneApplying for a home loan: how to give yourself the best chanceSix of the best: Shipping Container redesignsTips to help you save for your first homeThe trouble with AirbnbAre you eligible for these first home buyer schemes?Alternative ways Australians are affording propertyLenders Mortgage Insurance: 5 things to considerUnderstanding gifted home loan deposits vs. guarantorsFirst-time home buyers’ checklistLifestyleCost of Living: 5 Simple Ways to SaveDomestic trips for your bucket listTop 5 end of year classroom tipsBest short winter breaks on a budget Caremongering: The new movement sweeping the globeLiving a more sustainable lifestyleShopping online safely this Christmas3 ways to do good things with your moneyA sustainable Christmas6 tips to avoid teaching burnoutHow to encourage your kid to read more3 teachers who taught overseas (and what they got out of it)Teaching pathways10 ways to make the most of university breaksShakespeare for kids with disabilitiesAre food subscriptions worth it?Bouncing back from an unexpected set backThe end of stuff—four ways to declutter your life Ladies to the front!Augmented reality in the classroomHow our ageing population is impacting the teaching workforceSix of the best: High-tech Xmas giftsIt's back to schoolTeaching—a career for today and tomorrowBackstreet brewsGet festive with Luke ManganHow to ace your first teaching job interviewHow green is your backyard?Charity begins in the kitchenUnder wrapsTips for landing your first teaching jobIndustry newsTeaching Shakespeare? Use the smelly stickers, says JoanBard weaves magic in the classroomUsing Shakespeare to combat maths anxietyeStatements: How They Can Protect You From Identity CrimeWhat does your bank do with your money? Australian Education Awards winnersWhat is a mutual bank? Your questions answeredTeaching in the future - The Brave New Education World The rising threat of scamsThe sustainable classroomTeaching fish to climb a treeIs there such a thing as responsible banking?The financial strain of studyingWill your superannuation be enough?Cyber safety and security in the classroomEducation and the 2018 Federal BudgetFederal Budget tax cutsThe super shake-upTop of the jobsEthical Banking—What Is It And Why Should You Care?How to spot a scamHow to stay safe online while travelling overseasThe class disadvantageTroubleshootingWays to bankBank@PostGetting started with Bank@PostFind a Bank@Post outletCheques have now endedInternet BankingGetting started with Internet BankingKeeping you and your money safeTaking control of your home loanHow to videosMobile Banking AppMobile Banking App FeaturesHow to videos and guidesFAQsTerms of useMobile walletApple PaySetting up Apple PayMaking paymentsChanging the default cardRemoving a cardGoogle PaySetting up Google PayMaking paymentsChanging the default cardRemoving a cardSamsung PaySetting up Samsung PayMaking paymentsRemoving a cardMobile Wallet Terms of UseNPP PayToIntroducing PayToGetting StartedManaging PayToOsko by BPAYSend and receive money fastKeeping you and your money safePayIDGetting started with PayIDHow PayID worksPayID Terms of UseWebsite termsComprehensive credit reportingWhat is Open Banking?Our Bank's public APIYour Financial WellnessSecret Life of TeachersSurvey ClosedCelebrate World Teachers’ Day in styleOur gift to you