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Reports, Codes & Procedures

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The Constitution of Victoria Teachers Mutual Bank details the rules and principles by which the Mutual Bank operates.


Annual Regulatory Disclosures

Victoria Teachers Mutual Bank’s annual regulatory disclosures.

June 2017
June 2016

Quarterly Regulatory Disclosures

Victoria Teachers Mutual Bank’s quarterly regulatory disclosures.

30 June 2017
31 March 2017
31 December 2016
30 September 2016


Complaint and Dispute Resolution Procedure

The Mutual Bank has developed a Complaint and Dispute Resolution Procedure that gives customers the opportunity to register complaints and have them dealt with in a formalised manner. Download the Complaint and Dispute Resolution Guide for further information.

Complaint and Dispute Resolution Guide

For your convenience we have included a link to the ePayments Code below. Please refer to this document if you have a complaint or concern about electronic payment transactions, including ATM, EFTPOS and credit card transactions, online payments, internet and mobile banking, and Bpay. The ePayments Code governs the relationship between the Mutual Bank and customers when making electronic payment transactions.

Customer Owned Banking Code of Practice

The Customer Owned Banking Code of Practice is the industry code of the Customer Owned Banking Association, the association of credit unions, mutual building societies and mutual banks.

Customer Owned Banking Code of Practice

Workplace Gender Equality Report

In accordance with the requirements of the Workplace Gender Equality Act 2012. We can inform you that on the 31 May 2017, Victoria Teachers Mutual Bank Lodged its annual public report with the Workplace Gender Equality Agency.

As Members of the Mutual Bank you may make comments on the report to us by emailing your comment directly to Glenn Borg, or to the Agency. Please refer to the Agency’s guidelines on this process on their website

Read the Report

Financial Claims Scheme

What is the Financial Claims Scheme?

The Financial Claims Scheme (FCS) is an Australian Government scheme that provides protection and quick access to deposits in banks, building societies and credit unions in the unlikely event that one of these financial institutions fails.

Under the FCS, certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking institution (ADI) that is incorporated in Australia and authorised by the Australian Prudential Regulation Authority (APRA).

The FCS can only come into effect if it is activated by the Australian Government when an institution fails. Once activated, the FCS will be administered by APRA.

In an FCS scenario, APRA would aim to pay the majority of customers their protected deposits under the Scheme within seven calendar days.

How is the FCS limit applied?

The FCS limit of $250,000 applies to the sum of an account holder's deposits under the one banking licence.

Therefore, all deposits held by an account holder with a single banking institution must be added together towards the $250,000 FCS limit, and this includes accounts with any other banking businesses that the licensed banking institution may operate under a different trading name.

Where can I get further information on the FCS?

Information on the FCS is available on the FCS website –