A Power of Attorney is a legal document that appoints another person (or persons) to act on your behalf in certain circumstances. This can include making decisions about your finances, property, health care or other matters. A POA can be used in a wide range of circumstances such as:

  • If you become incapacitated;
  • Unable to handle your affairs due to illness or travel; or
  • Simply want someone else to handle your affairs whilst you are away.

Requirements for POA’s vary state-to-state, two categories of POA’s exist:

  1. General Power of Attorney: General POA’s only remain in effect while you (the Principal) have mental capacity. It allows an attorney to make decisions about your financial matters; and
  2. Enduring Power of Attorney (EPOA): This document remains in effect even if you lose mental capacity, it can allow attorneys to make decisions about your financial and/or health matters.

Limitations can be placed on POA’s such as they only come into effect if you lose capacity, or that attorney’s only have limited powers.

Appropriate legal advice should be sought before making a decision on the future management of all financial affairs.


Related FAQs

Where can I find your branches?

We've got branches across Queensland, stretching from Stanthorpe in the south to Weipa in the north, and as far west as our roots in Mount Isa.

Are you as secure as some of the bigger banks?

Member-owned banks are regulated by the same government regulator as the major banks – the Australian Prudential Regulation Authority (APRA).

APRA’s supervision is designed to minimise the chance that a financial institution will be unable to meet its obligations to depositors. Member-owned banks, publicly-listed banks and building societies must all comply with the same set of APRA rules (known as Prudential Standards). We comply with all Prudential Standards and are in a strong and stable financial position.

What is the Financial Claims Scheme (the deposit guarantee)?

The Australian Prudential Regulation Authority (APRA) administers the Financial Claims Scheme, which is an additional protection for deposits.

The Financial Claims Scheme ensures that depositors with a member-owned bank, publicly-listed bank or building society will be guaranteed repayment of their funds in the extremely unlikely event that any banking institution faces stress.

The Scheme includes a guarantee of $250,000 per person per institution.

To find out more about Government guarantees, visit APRA’s Financial Claim Scheme website.

What are e-Statements?

e-Statements are an electronic version of your account statements that you can easily access through Internet Banking or the Mobile App.

They're a quick, convenient and a secure way to receive your account information.

With e-statements you can enjoy:

  • Improved security – an e-statement cannot be stolen from your letter box
  • Quick delivery – no more delays waiting for the mail to arrive
  • Convenient access – view your statements anytime, anywhere
  • Access to old statements – view and print past statements for free
  • Email alerts – we tell you when your statement is available
  • Less clutter – no more excess paper

Best of all this service is available to all Queensland Country Bank Members for free.

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