Fees and charges apply. Read the terms and conditions available at banksa.com.au before making a decision and consider whether the product is appropriate for you. Excludes customers who have held a Complete Freedom account with BankSA, St.George Bank or Bank of Melbourne anytime from 2 October 2017. Not available with any other offer. To be eligible for this offer, customers need to both open a Complete Freedom Account online or over the phone between 2 October 2018 and 2 November 2018 (inclusive) and deposit a minimum of $500 within 45 days ($250 for <21s) of opening the account AND ensure the account remains open for at least 55 days from the date of account opening (eligible customer). Eligible customers will receive $40 deposited into their account within 55 days of account opening. Offer limited to one $40 deposit per eligible customer. Where a joint account is opened, the offer is limited to only one $40 deposit in respect of the account. If one of the joint account holders has already received their $40 deposit in respect of another account, then none of the remaining joint account holders will be eligible for the offer in respect of the joint account.