The Certificate of Deposit Form is a critical banking document used in the Australian financial services sector when a customer wishes to place funds in a time deposit account. The form serves as both a receipt and a contract, documenting the terms under which the deposit is made and will be repaid. It must comply with Australian banking regulations, including the Banking Act 1959, ASIC requirements, and anti-money laundering legislation. The document includes essential information such as the deposit amount, term, interest rate, maturity date, and the conditions for early withdrawal. It also provides information about the Financial Claims Scheme protection and is particularly important for both retail and corporate banking customers seeking fixed-term investment options with guaranteed returns. The Certificate of Deposit Form can be used for various purposes, including personal savings, business investments, and trust accounts, and may be issued in both electronic and physical formats, subject to the Electronic Transactions Act 1999.
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1. Financial Institution Details: Legal name, ABN, and contact information of the bank or financial institution issuing the CD
2. Account Holder Information: Full legal name, address, contact details, and identification information of the depositor(s)
3. Certificate Details: Certificate number, issue date, maturity date, and unique identifier information
4. Deposit Information: Principal amount, currency, interest rate, term length, and maturity value
5. Interest Terms: Interest calculation method, payment frequency, and payment method
6. Maturity Terms: Options at maturity including rollover provisions and withdrawal conditions
7. Early Withdrawal Provisions: Penalties and conditions for early withdrawal of funds
8. Terms and Conditions: General terms including deposit protection under the Financial Claims Scheme
9. Declarations: Customer acknowledgments and confirmations regarding terms and conditions
10. Execution: Signature blocks for account holder(s) and authorized bank representative
1. Joint Account Provisions: Additional terms for joint account holders, used when the CD is opened by multiple parties
2. Trust Account Details: Required when the CD is held in trust, including trustee and beneficiary information
3. Foreign Currency Provisions: Additional terms for CDs in foreign currencies, including exchange rate risks
4. Electronic Access: Terms for online account access and management, if offered
5. Tax Withholding Instructions: Special tax instructions or elections, particularly relevant for non-resident account holders
1. Schedule A - Interest Rate Details: Detailed breakdown of interest rates, including any tier structures or bonus rates
2. Schedule B - Fee Schedule: Complete list of applicable fees and charges
3. Schedule C - Early Withdrawal Calculation Method: Detailed explanation of how early withdrawal penalties are calculated
4. Appendix 1 - Identification Requirements: List of acceptable identification documents and verification requirements
5. Appendix 2 - Financial Claims Scheme Information: Detailed information about the government guarantee on deposits
Relevant legal definitions
ADI (Authorised Deposit-taking Institution)
Account Holder
Business Day
Certificate of Deposit
Deposit Amount
Early Withdrawal
Early Withdrawal Penalty
Financial Claims Scheme
Interest Payment Date
Interest Period
Interest Rate
Issue Date
Joint Account Holders
Maturity Date
Maturity Value
Nominated Account
Principal
Regulatory Authority
Rollover
Term
Terms and Conditions
Trust Account
Authorized Signatory
Banking Hours
Electronic Access
Financial Institution
Foreign Currency
Identification Documents
Interest Calculation Method
Tax File Number
Working Day
Account Holder
Business Day
Certificate of Deposit
Deposit Amount
Early Withdrawal
Early Withdrawal Penalty
Financial Claims Scheme
Interest Payment Date
Interest Period
Interest Rate
Issue Date
Joint Account Holders
Maturity Date
Maturity Value
Nominated Account
Principal
Regulatory Authority
Rollover
Term
Terms and Conditions
Trust Account
Authorized Signatory
Banking Hours
Electronic Access
Financial Institution
Foreign Currency
Identification Documents
Interest Calculation Method
Tax File Number
Working Day
Clauses
Account Details
Interest
Term and Maturity
Early Withdrawal
Fees and Charges
Account Operation
Joint Accounts
Death of Account Holder
Trust Provisions
Security and Access
Foreign Currency
Taxation
Privacy and Data Protection
Anti-Money Laundering
Financial Claims Scheme
Notices
Assignment
Amendment
Governing Law
Dispute Resolution
Electronic Communications
Force Majeure
Severability
Entire Agreement
Interest
Term and Maturity
Early Withdrawal
Fees and Charges
Account Operation
Joint Accounts
Death of Account Holder
Trust Provisions
Security and Access
Foreign Currency
Taxation
Privacy and Data Protection
Anti-Money Laundering
Financial Claims Scheme
Notices
Assignment
Amendment
Governing Law
Dispute Resolution
Electronic Communications
Force Majeure
Severability
Entire Agreement
Relevant Industries
Banking
Financial Services
Wealth Management
Investment Services
Retail Banking
Corporate Banking
Trust Services
Financial Technology
Relevant Teams
Legal
Compliance
Product Development
Customer Service
Operations
Risk Management
Treasury
Branch Operations
Document Control
Wealth Management
Client Relations
Relevant Roles
Bank Manager
Financial Services Officer
Compliance Officer
Legal Counsel
Product Manager
Customer Service Representative
Treasury Manager
Risk Manager
Investment Advisor
Account Manager
Banking Operations Manager
Document Control Officer
Branch Manager
Relationship Manager
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