Page 1 of 39624/9016 02/17
Direct Debit Request/Authority for Automatic
Transfer – Standard Home Loans
St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
(Only to be used for Residential Loans starting with S)
(This option is not available for Portfolio Loan or other line of credit accounts)
() Please tick
New
Complete 1,2,3,4 & 6
Amendment to existing authority
Complete 1,2,3,4 & 6
Cancellation
Complete 1,5 & 6
1. Customer
Details and
Loan Account
Details
2. Direct Debit
Request for
Nominated
Transaction
Account
at another
Financial
Institution
Automatic
Transfer
Authority for
Nominated
Transaction
Accounts at
St.George
Bank
Loan Account No. for Credit
S
Name
Address
Postcode
Contact No. (Home) Contact No. (Work)
3. Nominated
Transaction
Account
Name of Financial Institution
Address of Financial Institution
BSB Number Account Number
Account Title
Account Type
(Direct Debiting is not available on full range of accounts. If in doubt
please refer to the financial institution at which the account is held)
Our privacy policy is available at stgeorge.com.au or by calling 13 33 30 and covers how we handle your personal information.
By signing this document, I/we authorise St.George Bank – A Division of Westpac Banking Corporation
ABN 33 007 457 141 AFSL 233714 (“St.George”), Debit User Number 000439 to debit my/our account,
detailed in Section 3 of this form, through the Direct Debit System, with any amounts I/we must pay
the Debit User under the contract for the above loan when due and in accordance with the payment
instruction in Section 4 of this form. This authority is to remain in force until further notice. Without limiting
when St.George may cancel this authority, St.George may do so if there are insufficient funds available in
the nominated transaction account to make the transfer three consecutive times.
OR
I/We authorise St.George to withdraw from my/our St.George transaction account nominated in Section 3
of this form, any amounts I/we must pay St.George under the contract for above the loan when due and in
accordance with the payment instructions in Section 4 of this form.
I/We understand and agree that:
where insufficient funds are available in the nominated transaction account to meet the repayment
due, the remaining amount required will be transferred from the nominated transaction account on the
following and subsequent days until that full amount is transferred.
this authority remains in force until St.George receives written notice of my/our death or bankruptcy; or
until I/we cancel or vary the authority in writing; or St.George cancels the authority.
Page 2 of 39624/9016 02/17
St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
Direct Debit Request/Authority for Automatic
Transfer – Standard Home Loans
4. Payment
Instructions
Frequency () tick one Commencement Date
Weekly (ie. one quarter of the required monthly repayment) Day / /
*
Fortnightly (ie. one half of the required monthly repayment) Day / /
**
Monthly (ie. the required monthly repayment amount)
*The first payment amount will be drawn on the nominated day 1 week after the next monthly repayment due date.
**The first payment amount will be drawn on the nominated day 2 weeks after the next monthly repayment due date.
NB. Commencement date cannot be in the current month if the repayment date has passed, and will be on the next monthly repayment due
date. In all cases, where a Weekly or Fortnightly frequency is chosen, the initial payment must be for the monthly repayment amount followed
by the nominated weekly or fortnightly payment amount.
Additional Payment Options () tick one
Required Monthly Payment
Extra Amount (for loans at a variable rate only)
$______________.00
(to be transferred each week/fortnight/month in addition to the weekly/fortnightly/monthly
debit towards my/our required monthly repayment)
Fixed Whole Amount (for loans at a variable rate only)
$______________.00
(being a fixed amount the Debit User will debit under this authority until the amount of the
weekly/fortnightly/monthly payments necessary to make up the required monthly repayment
exceed that fixed amount, at which time I/we authorise the Bank to debit the weekly/
fortnightly/monthly payment necessary to make up the required monthly repayment.)
5. Cancellation
6. Customer
Signature
To be signed according to the authority held on the Nominated Transaction Account
Signature Signature
Date Date
/ /
/ /
Direct Debit Request for Nominated Transaction Account at another Financial Institution
I/We hereby cancel my/our existing Direct Debit arrangement with St.George Bank – A Division of Westpac
Banking Corporation ABN 33 007 457 141 AFSL 233714 (“St.George”). Debit User Number 000439 with
respect to the payment of the loan account set out in Section 1 of this form.
Automatic Transfer Authority for Nominated Transaction Account at St.George Bank
I/We hereby cancel my/our existing authority for Automatic Transfer with respect to the payment of the loan
account set out in Section 1 of this form.
Branch Use
Only
Where payment method is to be by Direct Debit Request, a Direct Debit Request Service Agreement was
issued to customer on _____ / _____ / _____ by _______________________________________________________________
(Bank Officer’s/Broker’s Name)
Branch Stamp
Staff Name Contact Number
Branch
Instructions
For use on LIS Loans only
Screen 0100 – Payment Details. Always do Enquiry ‘E’ first before processing Change ‘C’.
Print 015 Repayment Enquiry.
Input by Checked by
After input, please forward completed form to Imaging Department, Kogarah.
Page 3 of 39624/9016 02/17
St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.
Direct Debit Request/Authority for Automatic
Transfer – Standard Home Loans
Debit User’s Name and Address
St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714
4 –16 Montgomery Street, Kogarah NSW 2217
User ID: 000439
You have entered or are about to enter into an arrangement
under which you make payments to us. You want to make
those payments by use of the Direct Debit System.
This agreement sets out the terms on which we accept and act
under a Direct Debit Request (“your Direct Debit Request”) you
give us to debit amounts from your account under the Direct
Debit System for the purpose of making repayments on a loan
we made. The loan details are on your Direct Debit Request.
This agreement is additional to the arrangement under which
you make payments to us.
Please ensure you keep a copy of this agreement as it sets out
certain rights you have against us and certain obligations you
have to us due to giving us your Direct Debit Request.
When we are bound by this agreement
1. We agree to be bound by this agreement when we receive
your Direct Debit Request complete with the particulars we
need to draw an amount under it.
What we agree and what we can do
2. We only draw money out of your account in accordance
with the terms of your Direct Debit Request.
3. We give you a statement every 6 months for personal loans,
which show the amounts paid to your loan which we draw
under your Direct Debit Request.
4. On giving you at least 14 days’ notice, we may:
change our procedures in this agreement;
change the terms of your Direct Debit Request; or
cancel your Direct Debit Request.
For example, and without limiting when St.George may cancel
your Direct Debit Request, we may do so if we cannot draw
an amount in accordance with your Direct Debit Request three
consecutive times.
5. You may ask us to:
alter the terms of your Direct Debit Request;
defer a payment to be made under your Direct
Debit Request;
stop a drawing under your Direct Debit Request; or
cancel your Direct Debit Request,
by attending your local branch and completing a form at
least 10 working days before a payment is due under your
Direct Debit Request.
6. You may dispute any amount we draw under your Direct
Debit Request by contacting us on 13 33 30 with your loan
number and details of the disputed amount. Also, you may
dispute a drawing with your financial institution.
7. We deal with any dispute under clause 6 of this agreement
as follows:
we use internal reports to confirm dispute details and
contact the other financial institution where necessary;
and
we undertake to complete inquiries, resolve disputes
and inform you within seven business days of receiving
your inquiry on the disputed amount if the disputed
transaction is less than 12 months old and one month if
the disputed transaction is more than twelve months old.
8. If the day on which you must make any payment to us is
not a business day, we draw on your account under your
Direct Debit Request on the next business day.
9. We may credit your loan account with a payment amount
before we seek to draw the payment in accordance with
your Direct Debit Request. If that drawing is rejected, we
reverse the credit we made to your loan account.
10. If your financial institution rejects any of our attempts to
draw an amount in accordance with your Direct Debit
Request, we will advise you in writing and you will need to
make alternate arrangements to make the payment. We
may charge you a fee if our attempt to make a drawing
under your Direct Debit Request is rejected.
11. We will not disclose to any person any information you give
us on your Direct Debit Request, which is not generally
available, unless:
you dispute any amount we draw under your Direct
Debit Request and we need to disclose any information,
relating to your Direct Debit Request or to any amount
we draw under it, to the financial institution at which your
account is held; or
you consent to that disclosure; or
we are required to disclose that information by law.
What you should consider
12. Not all accounts held with a financial institution are
available to be drawn on under the Direct Debit System.
13. Before you complete your Direct Debit Request, it is best
to check account details against a recent statement from
your financial institution to ensure the details on your Direct
Debit Request are completed correctly.
14. Please enquire of your financial institution, if you are
uncertain when your financial institution processes an
amount we draw under your Direct Debit Request on a day
which is not a business day.
15. You are responsible to ensure there are sufficient clear
funds available in your account, by the due date on which
we draw any amount under your Direct Debit Request, to
enable us to obtain payment in accordance with your Direct
Debit Request.
16. We request you to direct:
all requests to stop or cancel your Direct Debit Request
to us or your financial institution; and
all enquiries relating to any dispute under clause 6 of this
agreement to us or your financial institution.