Packages

A flexible and tailored solution to your unique needs, Westpac's Community Solutions package is designed so that you can hand-pick only the products and services that you need to best run your organisation.

Community Solutions account
Managing your cash
Investment solutions
Lending solutions
Extra community benefits

Community Solutions Account

A simple day-to-day account, the Community Solutions account is the core component of every community solutions package. Offering flexible, fee-free banking¹, this account also gives you access to other great products designed for community groups.

Your needs	Product	Your benefit
Looking for an account to manage your everyday transactions and reduce your fees?	Community Solutions account (previously Society Cheque Account) Available with or without cheque access, this account offers potential for fee-free banking through branches, ATMs, Telephone Banking, Business Internet Banking.	No monthly service fee. No transaction fees. 24/7 access to your funds. Optional Cheque access.

1. Fees apply for separate services, such as for using non-Westpac ATM's in Australia and overseas.

Managing your cash

Managing cash flow is crucial to running your organisation smoothly. Whether it's the convenience of reconciling your costs online or the potential to maximise your earnings through EFTPOS facilities, the products below can help you get on top of your cash flow.

Your needs	Product	Your benefit
Want easier access to your account?	Westpac Business Online and Telephone Banking User-friendly banking services available 24 hours, 7 days a week. Check your account balances and transaction details 24 hours, 7 days a week. Transfer funds between accounts and make bill and credit card payments.	Banking that is convenient and accessible.
Need an easy way to accept donations over the phone or internet?	BPAY® A secure and convenient way to accept payments using your personal biller code.	Spend less time processing donations.
Need to collect regular periodical payments?	Direct debiting An easy and efficient way to receive regular payments owed to you.	Fuss-free way to get paid regularly and on time.
Looking for a better way to accept payments from members or customers?	EFTPOS Advantage A fast and simple way to accept credit and debit card payments. By providing donors, clients or members with more payment options, they will find it easier to contribute. Particularly useful for community organisations with shopfront operations.	25% off terminal access fee – save $105 per annum. No establishment fee – save $82.50.
Need a mobile EFTPOS terminal?	EFTPOS Advantage Mobile A completely mobile card payment system that enables you to transact anywhere, anytime.	47% off terminal access fee(save $44.50 per month). No establishment fee – save $143. No cancellation fee.
Need to accept payments online or over the phone.	Web Advantage The simpler, smarter and safer way to accept online payments.	60% off establishment fee – save $165.
Want to process mail and telephone orders and periodic transactions?	Batch Advantage The simple, convenient and secure way to process mail, telephone order or periodic payments.	27% off establishment fee – save $60.
Looking for peace of mind when leasing a property?	Bank Guarantee A safer way to lodge security than directly with your landlord or equivalent. Westpac will act as a secure intermediary between organisation and landlord.	No establishment fee – save $500.
Need a smarter way to accept online payments using your own branding?	Present & Pay Internet A customised, branded internet based payment system for more complex transactions. We will work with you to make the site look and feel how you want it to.	Fixed $1000 establishment fee. Fixed transaction charge of 30c.
Need a smarter way to accept payments over the phone using your own branding?	Present & Pay Phone A customised, branded phone based payment system for more complex transactions. We will help you make it sound the way you want.	Fixed $5000 establishment fee. Fixed transaction charge at 30c.

Investment solutions

Make the most of your cash reserves with our secure investment solutions. They offer high-interest, similar to a term deposit, with the added flexibility of a day-to-day account, so you can maximise your organisation's resources.

Your needs	Product	Your benefit
Would you like to maximise interest on your surplus cash, and enjoy unlimited free access online or over the phone.	Westpac Business Max-i Direct An online account offering a high rate of interest. Access 24 hours, 7 days a week Unlimited free access to savings through Internet and Telephone Banking Free branch deposits	No charge for branch deposits – save $2.50 per deposit.
Would you like to an investment account that rewards you with bonus interest every month you leave your balance untouched.	Westpac Business Max-i Bonus An online account offering bonus interest when no withdrawals are made in a calendar month. Potential to earn a very high rate of interest Access 24 hours, 7 days a week Unlimited free access to savings through Internet and Telephone Banking Free branch deposits	No charge for branch deposits – save $2.50 per deposit.

Lending solutions

At certain times of the year, you may experience a cash shortfall. Or you may want to make a significant purchase. Below are products that can provide short-term and long-term access to funds.

Your needs	Product	Your benefit
Need to cover a short-term cash shortage?	Business Overdraft² An overdraft facility providing you with short-term finance of up to $20,000 – with no minimum or maximum holding term.	50% off establishment fee – save up to $500. Interest rate benefit may apply.
Need finance to cover your day-to-day cash flow needs?	Business Options Overdraft² A flexible overdraft facility that allows you to cover your day-to-day cash needs as and when.	50% off establishment fee – save up to $500. Interest rate benefit may apply.
Need extra funds to finance your organisation's equipment?	Equipment Finance A tax effective way of finding additional finance that can be used to pay for plant, equipment or motor vehicles.	No establishment fee – save $275.
Are your annual insurance premiums tying up your cash flow?	Insurance Premium Finance This lending facility allows you to spread the cost of your annual insurance premiums through monthly instalments.	No establishment fee – save $100.

2. The Business Cheque Account or Business Cheque Plus Account is required to open a Business Overdraft or Business Options Overdraft.

Extra community benefits

Our commitment to community organisations is strengthened by the work we do with Our Community (an organisation committed to researching and improving resources and services for Australia's 700,000 community groups). And with the unique needs of community groups in mind, we've designed a host of products and services that can help you get the most out of your non-profit status.

Your needs	Product	Your benefit
Are you looking for practical advice that can help you manage your organisation's finances?	Beyond Survival A new work shop that teaches you to better manage your organisation's finances. Learn what the balance sheet numbers really mean Learn what your finances really mean Learn techniques to improve cash flow Understand how to plan for peaks and troughs in cash flow	15% off seminar price for 3 one-day courses – save $144.
Are you looking for new ways to give your staff something back for their hard work?	Employee Benefits Card If your organisation holds 'Public Benevolent Institution' status from the Australian Tax Office then the Employee Benefits Card may be the key to unlocking the maximum value in your staff's salary. The card allows your staff to tap into their pre-tax income through salary sacrifice to pay for everyday expenses like petrol, clothing, dining out and even groceries.	No cost to employer. Employee incentive optimised.
Are you looking for advice on how to better manage your finances?	Community Treasurer's guide These free guides will provide you with helpful tips on: Keeping the books Asset registers Cash flow Tax Download the free Community Treasurer's guides.	FREE to all non-profit organisations.
Are you looking for an easy and cost effective way to accept donations?	The Our Community Online Giving Centre is commission free and allows you to accept credit card donations 24 hours a day, 7 days a week. Visit Our Community for further information.	Collect donations online. Accept credit card donations 24 hours a day, 7 days a week. No commission or fees are taken for donations, except standard credit card fees.

Business success

Our Beyond Survival® workshops can show you how to run your business more effectively.

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

The following criteria must be met for you to enjoy the benefits of the Community Solutions package.

You must provide us with a copy of your governing documents (Memorandum and Articles of Association, Constitution, rules etc.) stating "not for profit" status, an ATO income tax exemption certificate, and a certificate of registration/ incorporation for community organisations.

You must maintain a Community Solutions (Cheque) Account and one additional product that forms part of the package.

Westpac's normal lending criteria apply and applications must meet approval guidelines on individual products to qualify for the relevant package discounts.

The Bank reserves the right to examine each application for any of the products that form part of the package on its own merits. The fact that the Bank provides Community Solutions does not guarantee that we will provide finance or other products that are applied for. The taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice. Our normal lending criteria apply and applications must meet approval guidelines on individual products to qualify for the relevant benefits/savings. The benefits and savings listed above cannot be taken in conjunction with, or in addition to, any other special offers, packages, negotiated rates or discounts offered by the Bank or its subsidiaries. The product benefits and savings will remain in place for as long as the Bank is satisfied that you continue to be a non-profit community organisation. On termination of these product benefits and savings, standard charges for individual products will be reinstated. We reserve the right to review, amend or withdraw our Community Solutions Package and their benefits and savings components at any time. We may also vary eligibility criteria. Our Community Solutions Package is further subject to amendment to reflect changes to Bank policy, legal or legislative requirements. The information in this leaflet is current at 7 March 2006. Fees and charges apply to the products referred to in this brochure. Full details of all product terms and conditions are available on request. These may be varied or new terms and conditions may be introduced in the future. Westpac Banking Corporation ABN 33 007 457 141.