These guidelines show examples for how data holders may provide alternative notification schedules for joint account holders.

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Overview

CDR Rule 4A.14(3) requires data holders to:

(a) provide for alternative notification schedules (including reducing the frequency of notifications or not receiving notifications) and

(b) give each joint account holder a means of selecting such an alternative, and of changing an election.

Alternative settings under rule 4A.14(3) only apply to the following notifications in 4A.14(1):

1. The requester has given, amended, or withdrawn an authorisation
2. Expiration of an authorisation
3. A relevant account holder hasn’t given approval within a specified time frame
4. A relevant account holder has withdrawn an approval

The guidelines in this section show examples for how to implement requirements for providing alternative notification schedules. For further guidance, see ACCC's joint account implementation guidance.

Wireframes and guidelines

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Note: The wireframes shown are examples of how to implement key rules, standards, and guidelines. Use the on-screen functions to adjust zoom level or expand the wireframes to be viewed at full screen.

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The following wireframes show two example pathways for providing alternative notification schedules.

• In pathway 1, an account holder changes their joint account notification settings via the data holder settings options.
• In pathway 2, the relevant account holder (account holder B or AH-B) changes their joint account notification settings via an authorisation notification.

https://embed.figma.com/design/z7AdseXnsliFBy67ibPSqG/5CM5.-Joint-account-notification-settings-v1.35.0.2025.09.25?node-id=399-45761&embed-host=notion&footer=false&theme=system

• See key requirements and guidelines

• See prototype for Pathway 1