Interest Rates

Any balance

Interest calculated on daily balance and credited 30 June each year.

Any balance

Interest calculated daily on debit (overdrawn) balances and debited to the account at the end of each month.

Any balance

Interest calculated on daily balance and credited 31 October each year.

Any balance

Interest calculated on daily balance and credited on the last day of the month.

Any balance

Interest calculated on a daily basis and credited on the last day of the month

No Transaction Fees#

# Refers to access cards, internet banking, telephone banking, teller transactions and personal cheques on Transaction Accounts.

Bill Paying Fees (S72 Bill Paying Accounts Only)

A fee of $1.50 will be charged for each Withdrawal transactions*. The fee is debited to the account at the end of each calendar month.

*Withdrawal transactions include cash withdrawals, over-the-counter bank cheque withdrawals (refer to bank cheque fee below which also applies), direct debits, debit transfers and Bpay payments.

IPEX Fee

Electronic Funds Transfers (EFT’s) processed in real time are $20.00 each. Please note arrival time cannot be guaranteed as it is dependant on the receiving financial institution.

Dishonour Fees

• Member cheque dishonoured due to insufficient funds
• Direct Debit dishonoured due to insufficient funds
• Cheque deposited to the account and subsequently dishonoured
• Periodical Payment dishonoured due to insufficient funds

Bank Cheque Fees

Stop bank cheque request

Overdrawn Account Fee

Per item which overdraws account or exceeds overdraft limit

Traces, Enquiries & Disputes

• EFT
• OSKO
• BPay
• Cards+

+Fee only applies to non-genuine disputes

Dormant Account Fee

Annual fee on dormant accounts (no transactions over the prior 12 months)

Duplicate Statement Fee

Per statement

Youth Account (S92)

The above fees and charges do  not apply to the Youth Account