---
title: "Negotiable Interest Term Account (NITA) — IMB Bank"
description: "Term Deposits from IMB Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/imb-bank/products/TD-2-1
source: "CDR Compare"
language: en-AU
last_updated: 2026-03-04T10:00:00+11:00
---

# Negotiable Interest Term Account (NITA) — IMB Bank

> Term Deposits from IMB Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Term Deposits · Negotiable rates**

Negotiable interest rates available for term investment amounts over $100,000

## Apply

Applications are handled by the provider: [Apply at IMB Bank](https://www.imb.com.au/term-deposit-enquiry)

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Special clearance on cheques — Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $16.00 |
| Transaction Listing - Electronic - up to 10 pages | Event | $5.00 |
| Transaction Listing - Electronic - 10 pages and over — Per page | Event | $0.50 |
| Interest statement - Electronic — Per page | Event | $2.50 |
| Copy of withdrawal or deposit form | Event | $15.00 |
| Recalculation of interest — Per page | Event | $30.00 |
| Research fee — Per page | Event | $30.00 |
| Retrieval of archived documents — Per page | Event | $20.00 |
| Audit Certificate — Per certificate | Event | $30.00 |
| Unclaimed monies/dormant account — Maximum charge per account | Event | $40.00 |
| Bulk coin count — Maximum charge | Deposit | $5.00 |
| Total cash withdrawal over $2,000 in a day — A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day. | Withdrawal | 0.2% of transaction |
| Manual deposit other institution | Deposit | $10.00 |
| Trace on Financial Institution cheque — Charges either wholly or partly imposed by third parties. | Event | $50.00 |
| Copy of Financial Institution cheque — Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $16.00 |
| Stop payment fee (IMB cheques) — Maximum charge. Charges either wholly or partly imposed by third parties. | Event | $12.50 |
| Foreign cheque conversion (value less than AU$10,000) — Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties | Deposit | $25.00 |
| Foreign cheque conversion (value AU$10,000 and greater) — Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties | Deposit | $50.00 |
| Purchase of foreign currency — $10 or 1% of the value of the total order (whichever is greater). | Withdrawal | 1% of transaction |
| SMS Alerts  — Per alert | Event | $0.25 |

## Features

- **Digital banking** (Internet Banking and Mobile Banking App.)
- **IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.** — Branch
- **IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.** — Telephone Banking
- **IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm** — Phone Banking Operator Assisted
- **Funds available after** (31 Days' notice is required to withdraw funds prior to the maturity date.)

## Eligibility

- **Pension recipients**

## Constraints

- **Opening balance** — $100,000.00
- **Minimum balance** — $100,000.00
- **The mininum term** — 30 days

## More information from IMB Bank

- [Overview](https://www.imb.com.au/banking/term-deposits)
- [Terms & conditions](https://www.imb.com.au/important-information)
- [Fees & pricing](https://www.imb.com.au/help-centre/rates-and-fees)

## Data provenance

- Published by IMB Bank under the Consumer Data Right
- Product ID: `TD-2-1`
- Last updated by the provider: 3 March 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/imb-bank/TD-2-1
- Provider page: https://www.cdrcompare.au/brands/imb-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000096

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/imb-bank/products/TD-2-1) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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