When do these NAB Electronic Banking (Debit cards) terms and conditions apply?
These terms and conditions are binding on you from whichever of the following occurs first: • in relation to a card, by applying for the card to be issued and linked to any nominated account; or • the accountholder or any cardholder conducts an EFT transaction on any nominated account; or • subject to clause 29.1(d) any cardholder receives their card; or • in relation to a NAB Visa Debit card, upon receipt of the card or card account details, whichever is received first. However, note clause 34.5 and the guidelines on security in clause 34.6 apply immediately upon receipt of the PIN. 29.2 Terms and conditions relating to EFT transactions These terms and conditions apply to EFT transactions on your nominated accounts. These include, but are not limited to EFT transactions initiated by you: • at NAB ATMs or ADMs using your card and PIN; • at ATMs provided by other institutions using your card and PIN; • at EFTPOS facilities provided by merchants using your card and PIN; • using your card