Important information about our products Here you will find our current terms and conditions, fees and charges and product and service related information. Talk to us Phone us Breadcrumbs Firefighters Mutual Bank Important information Terms and Conditions Terms and Conditions Information on upcoming changes to our terms and conditions. Our terms and conditions are changing We’re making changes to our product terms and conditions effective 9 February 2026. These will affect the terms of any joint accounts, savings accounts, home loan packages and credit cards you hold with us. We’ve also updated our Privacy and Credit Reporting Policy and strengthened the measures we take to keep you safe and ensure a secure banking environment for all members. These changes are part of our ongoing efforts to make banking straightforward, fair and safe. Conditions of Use (new version from 9 February 2026) Credit card terms and conditions (new version from 9 February 2026) Fees and Charges (new version from 9 February 2026) Package Home Loan – Terms and conditions (new version from 9 February 2026) Privacy and Credit Reporting Policy (new version from 9 February 2026) Notice of Change February 2026 Proposed merger FAQs February 2026 Tab Navigation Everyday and Savings Home Loans Credit Card Personal Loans Smart navigator for Everyday and Savings Tab navigator for Everyday and Savings Everyday and Savings Everyday Direct account Target Saver account Online Savings account Essential Saver account Starter Saver account Momentum Saver account Pension Advantage account Edvest Cash Management Member Term Deposit Edvest Term Deposit Everyday Direct account Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use Mobile Wallets Terms of Use PayID Terms of Use Target Market Determination Target Saver account Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use PayID Terms of Use Target Market Determination Online Savings account Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use PayID Terms of Use Target Market Determination Essential Saver account Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use PayID Terms of Use Target Market Determination Starter Saver account Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use PayID Terms of Use Target Market Determination Momentum Saver account Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use PayID Terms of Use Target Market Determination Pension Advantage account Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use PayID Terms of Use Target Market Determination Edvest Cash Management Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use PayID Terms of Use Target Market Determination Member Term Deposit Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use Target Market Determination Edvest Term Deposit Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use Target Market Determination Smart navigator for Home Loans Tab navigator for Home Loans Home Loans Your Way Owner Occupier Home Loan Your Way Plus Owner Occupier Home Loan Your Way Investor Home Loan Your Way Plus Investor Home Loan Your Way Owner Occupier Home Loan Conditions of Use Accounts and Access Consumer lending terms and conditions Fees and charges Target Market Determination Your Way Plus Owner Occupier Home Loan Conditions of Use Accounts and Access Consumer lending terms and conditions Fees and charges Package Home Loan – Terms and conditions Target Market Determination Your Way Investor Home Loan Conditions of Use Accounts and Access Consumer lending terms and conditions Fees and charges Target Market Determination Your Way Plus Investor Home Loan Conditions of Use Accounts and Access Consumer lending terms and conditions Fees and charges Package Home Loan – Terms and conditions Target Market Determination Smart navigator for Credit Card Tab navigator for Credit Card Credit Card Credit Card Terms and Conditions Credit Card Terms and Conditions Credit card terms and conditions Conditions of Use Accounts and Access Fees and charges Mobile Banking App Terms of Use Mobile Wallets Terms of Use Target Market Determination Smart navigator for Personal Loans Tab navigator for Personal Loans Personal Loans Fixed Rate All Purpose Personal Loan All Purpose Personal Loan Car Loan Fixed Rate Car Loan Fixed Rate All Purpose Personal Loan Conditions of Use Accounts and Access Consumer lending terms and conditions Fees and charges Mobile Banking App Terms of Use Target Market Determination All Purpose Personal Loan Conditions of Use Accounts and Access Consumer lending terms and conditions Fees and charges Mobile Banking App Terms of Use Target Market Determination Car Loan Conditions of Use Accounts and Access Consumer lending terms and conditions Fees and charges Mobile Banking App Terms of Use Target Market Determination Fixed Rate Car Loan Conditions of Use Accounts and Access Consumer lending terms and conditions Fees and charges Mobile Banking App Terms of Use Target Market Determination Products no longer offered View Everyday and Savings accounts no longer offered View Loans no longer offered. For Target Market Determinations for products no longer offered, visit our Design Distribution Obligations page. We’re here to help If you have any questions, please contact us or send a secure or in-app message anytime. Send an enquiry Call us
