Please note our branch and Contact Centre trading hours, including payment processing changes, for the Easter and Anzac Day long weekends.
Easter: Closed from 5pm on Thursday 17 April and return to normal trading hours at 9am Tuesday 22 April.
Please note any scheduled payments for the period 18-21 April will be processed in advance on Thursday 17 April.
Anzac Day: Closed from 5pm on Thursday 24 April and returning to normal trading hours on Monday 28 April.
Any scheduled payments for 25-27 April will be processed in advance on Thursday 24 April.
We thank you for your understanding.
Edgeworth Branch will be closed from 5pm on Thursday 17 April and will re-open at 9am on Monday 28 April.
If you are travelling over this period, we wish you a safe and happy journey.
We are thrilled to announce that our Business Cheque Account has been recognised by Mozo for its exceptional value and quality.
Mozo has been helping consumers make informed purchase decisions for more than a decade, evaluating thousands of products on the market, to help consumers make more informed financial decisions.
The Mozo Experts Choice Awards showcase the best products and services in the marketplace which offer exceptional value or quality for Australians.
The Mutual Bank’s Business Cheque Account has won a Mozo Award in the Small Business Exceptional Everyday Account category.
Mozo analysed 622 personal, business and Self-Managed Super Funds products from 85 providers across all categories when deciding the winners.
The Mutual Bank’s Chief Member Officer, Matthew Dunnill, said the Mozo win highlighted why The Mutual Bank’s Business Banking is one of the Hunter’s best kept secrets.
“Our Business Banking Managers have the local knowledge, depth of experience and authority to move fast to support your business growth goals,” said Matthew.
“We also offer innovative solutions and competitive products to help small business owners.
“Our Business Cheque Account is a great example of fuss-free support, offering at-call access to your funds with no monthly account-keeping fee.”
The Business Cheque Account win follows The Mutual Bank’s Budget Home Loan winning a Mozo Award three years running.
You can read more information about the Mozo Experts Choice Awards and the full list of winners here.
Keen to know more? Learn more about our award-winning Business Cheque Account and how it can benefit your business here.
In 2025, the United Nations declared a second International Year of Cooperatives to recognise the global impact of three million member-owned businesses.
The Mutual Bank’s business model, as a customer-owned bank that was established in 1888 to serve the Maitland and Hunter Valley communities, means that we form part of the 750 co-ops and mutuals serving NSW.
On Wednesday 19 March, our Chair of the Board Steve Meyn and CEO Mark Williams attended a function at NSW Parliament House to launch the International Year of Cooperatives and celebrate the contribution of co-operatives and mutuals to the NSW community and economy.
“The merits of the customer-owned banking business model remain as relevant today as they ever were,” said Mark.
“The Mutual Bank's legacy is built on the values of integrity, respect and care and the focus of our organisation is to continue to champion financial wellbeing for our Members and our regional communities.”
Mark said despite a range of challenges in its 137-year history, The Mutual Bank has consistently offered strength, security and stability to its Members and the local community. By continuously investing in local initiatives and pricing essential support to various community groups, we not only strengthen our financial services but also foster a sense of unity and resilience in region.
Amid corporate volatility, The Mutual Bank showcases stability, innovation and success, proving business can be both profitable and principled.
We have also taken part in the Business Council of Cooperatives and Mutuals Icons Campaign, sharing our story. You can read it here: https://iyc2025.bccm.coop/the-mutual-bank-helping-the-community-thrive-since-1888/
We thank all our loyal Members for their ongoing support and loyalty and as we have done over our history, The Mutual Bank will continue to evolve to meet the needs of our Members and communities.
We are thrilled to announce the launch of our redesigned Mutual App, bringing you a fresh look and enhanced functionality to make your banking experience even better.
Thanks to valuable Member feedback, we've made changes to the navigation menu in our App, making it more user-friendly and intuitive. This includes:
A streamlined menu layout for easier access to key features.
Enhanced categorisation of services to help find what you need quickly.
Members can also now view and set their own daily transaction limits on payments. Previously, this required messaging or calling our team, but now you have the convenience and autonomy to manage your limits directly from the app.
You can update your limit from the standard $5,000 up to $20,000. If you wish to lower the limit again, you will need to manually update it back to $5,000. Multi-factor authentication is required to ensure the security of your transactions.
We are excited about these changes and our aim to bring you greater convenience and control over your banking experience. Stay tuned for more updates to Internet Banking and our website.
What do I need to do to get the new-look App?
If you have automatic updates set up on your device your existing Mutual App will automatically upgrade, otherwise you will need to update via the App Store or Google Play Store.
How do I change my daily transaction limits on Internet Banking?
Once logged in, go to the main Menu in the top of the home screen> Settings >Daily transaction Limits.
How do I change my daily transaction limits on the App?
Go to the main Menu in the top left of home screen> Settings>App security and banking limits>Daily transaction limits.
Need more help?
Please call our friendly Contact Centre Team on 1300 688 825.
You can learn more about the Mutual App here.
For the third year running, The Mutual Bank’s Budget Home Loan* has won a Mozo Experts Choice Home Loan Award in the coveted Low-Cost Home Loan category.
The Mozo Experts Choice Awards have been helping consumers make informed purchase decisions for over a decade, with their extensive award selection process evaluating thousands of products.
The Mutual Bank’s CEO, Mark Williams, said the triple win for the Budget Home Loan was fantastic news for the Hunter-based bank.
“Our commitment to offering competitive products and making our Members’ mortgage journey more manageable has been recognised for the third year with a win in these awards, and that recognition highlights our dedication to helping people thrive,” he said.
“We know people are always looking for better value products and services, particularly given the cost-of-living pressures. Our Budget Home Loan has been consistently popular with home buyers looking for a no-frills home loan with a low, variable interest rate that is complemented by personalised and attentive service.”
AJ Duncanson, Data Director and Mozo Experts Choice Awards Judge said The Mozo Experts Choice Home Loan Awards for 2025 help Aussie consumers cut through the noise and identify great value options.
“The Mutual Bank’s Budget Home Loan stood out for its combination of a low interest rate and the fact it has no application fee and no monthly or annual service fee - features that can make a real difference to borrowers looking to keep costs down,” he said.
Mozo considered thousands of rate variants across 444 home loans from 97 lenders. For the Low Cost Home Loan category, the Mozo judges assessed variable rate loans for owner-occupier borrowers making principal and interest repayments, identifying these as the lowest cost for several different loan-to-value ratios.
More information about the Mozo Experts Choice Awards and the full list of winners here.
*The Mozo Experts Choice Low Cost Home Loan award was awarded to The Mutual Bank’s Budget Home Loan Special Variable Rate for owner-occupied loans with ≤80% LVR and Principal and Interest repayments. Eligibility and lending criteria, terms, conditions, fees, and charges apply and are available on application.
The Mutual Bank is throwing its support behind a new campaign from the National Anti-Scam Centre to help Australians become more aware of scams.
The Stop. Check. Protect campaign aims to educate the community about current scammer tactics, reminding us that anyone can be scammed, and for us not to be afraid to report a scam.
The campaign launched on Sunday 19 January and asks us to take these three simple steps:
Stop: Don’t give money or your information to anyone if unsure. Scammers will pretend to be from organisations you know and trust like businesses, the police, your bank or government services. They will offer to help you or ask you to verify your identity with them.
Check: Ask yourself if the message or call is fake. Never click a link in a message. Only contact businesses or government using contact information that you find yourself from their official website or app. If you’re not sure, say ‘no’, hang up or delete.
Protect: Act quickly if something feels wrong. Contact your bank if you notice unusual activity or if a scammer gets your money or information. Seek help and report the scam to Scamwatch. When you report scams, you help stop the scam and warn others.
You can even find out how safe you are from scams and how to better protect yourself by taking a simple quiz: https://www.scamwatch.gov.au/scam-quiz.
