Darling Downs Christmas Club Summary

Requirements

• Interest is calculated on the minimum monthly balance and paid annually on 1 November.
• No monthly deposit-count, qualifying deposit-dollar, balance-growth, card-purchase or withdrawal-count interest test is established. No introductory offer or account holding maximum is established.
• The current 9 March 2026 fee schedule says personal accounts do not incur an account-keeping fee, consistent with the March 2026 summary. This supersedes older TMD references to a conditional $5 monthly membership fee. Joining, paper-statement, dormant-customer and transaction fees are separate, confirm applicable charges with the bank. Electronic statements are free and paper statements cost $2 each.
• The comparison assumes the selected amount is the minimum balance maintained during the month. Withdrawals can reduce that monthly minimum and the interest earned.
• Deposits and balance enquiries are available during the year. Withdrawals through branch, internet or app are normally allowed from 1 November through 31 December. Funds remaining after 31 December are restricted again until the following 1 November.
• Early release requires a written request and is at the bank’s discretion, the bank may require the account to be closed. The product page says an early-withdrawal penalty applies while the current summary marks no fixed penalty. No specific penalty amount is independently established, confirm any cost before requesting early access.
• No debit card, ATM, EFTPOS, direct-debit, BPAY or PayID/Osko withdrawal access is listed for this account. Seasonal access is not a monthly withdrawal-count interest qualification or a fixed rolling notice period.