IMHO the money in the accounts you mention is Government backed by the Financial Claims Scheme up to $250,000 per individual per institution.
IMHO while netbank and commsec themselves may not be guaranteed they are just the marketers of bank accounts provided by CBA.
However it is the loss of the higher interest account that affects me so I won't be leaving much cash in there now. It will be held in my other higher interest accounts.
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