https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-personal-accounts-and-facilities.pdf 16.4 is pretty generic. 16.4 We may close your account at any time, due to unsatisfactory conduct or for any other reason if we consider it necessary to prevent fraud or other losses to you or us or to protect our legitimate interests, by giving you notice that is reasonable in all the relevant circumstances and reimbursing you for any amount standing to the credit of your account. If you or an authorised signatory breach any of these terms and conditions or your account is open with a zero balance and you do not operate your account within 180 days of opening, we may close the account without giving you prior notice. Examples of unsatisfactory conduct include behaviour that is • Defamatory, harassing, threatening to any person (including use of payment descriptions and / or references) • Promotes or encourages physical or mental harm of any person (including use of payment descriptions and / or references)