Savings / Visa
Download Schedule of Fees and Charges and Free Services (PDF)
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Branch Cash Withdrawals
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| Over the counter withdrawals (per withdrawal) |
$1.00 each |
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| Q Access Cuecards |
| Monthly Cuecard Fee (per card issued) |
$2.00 |
| ATM Withdrawal |
$1.50 |
| EFTPOS Purchase |
$0.60 |
| Pin Change Facility at Head Office |
FREE |
Replacement Cuecards:
Lost, Stolen or Damaged |
$7.50 |
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| Visa Cards |
| Monthly Visa Card Fee (per card issued) |
$2.00 |
| ATM Withdrawal in Australia |
$1.50 |
| EFTPOS Purchase (using PIN) |
$0.60 |
| Purchases made by Visa Card when you select "credit" and sign a docket (instead of using your PIN number) |
FREE |
| Visa Telephone Purchases and Bill Payments |
FREE |
Replacement Card Fee - Australia
Lost, Stolen or Damaged Cards |
$7.50 |
| Emergency Replacement Card Fee - Overseas |
$400.00 |
| Emergency Cash Fee - Overseas |
$400.00 |
| Emergency Replacement Card Fee - Australia |
$30.00 |
| Cash Advances over the counter at other financial institutions |
$4.00 each |
| Each ATM Withdrawal made Overseas |
$4.00 each |
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Retrieval of Visa Transaction Voucher:
- Copy of Voucher
- Original of Voucher |
$21.50
$21.50 |
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| Exemption from Monthly Visa Card Fee |
- Members' with a current personal or mortgage loan within the same member number
- Members' with a minimum balance of $15,000* during the month
*Total of combined savings and term deposit accounts within the same member number and calculated on the minimum monthly balance
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| Credit Union Issued Cheques |
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Cheques from Term Deposit Account |
FREE |
| Regular Authority Cheque Payments (System Generated) |
Set Up/Establishment |
FREE |
Each Cheque Drawn |
$2.00 |
Each rejection where cheque payment is not made due to lack of funds and next due date applied |
$10.00 |
Manual Bill Payment Cheque |
$5.00 |
Corporate Cheque Issued |
$5.00 |
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Telephone Cheque Issued
(Payee must be the Member and posted to registered address) |
$5.00 |
Stop Payment of Credit Union Cheque |
$10.00 |
Copy of Paid Credit Union Cheque |
From $11.00 to $33.00 |
Trace of Paid Credit Union Cheque |
$25.00 + copy fee |
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| Insurance Debits |
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CGU Monthly or Annual Premium debits |
$0.50 each |
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| Bank Issued Cheques |
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| Issue of Bank Cheque - Bank charge |
$10.00
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| Westpac Bank Deposits |
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| All cash and cheque deposits made via a Westpac branch using pre-encoded deposit slips |
FREE |
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| Outward Electronic Direct Entry |
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| Electronic transfer to another Financial Institution |
$2.00 |
| Investigation/Traces |
$22.00 |
Rejected Transactions
Returned Transactions |
$5.50
$11.00 |
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| Bank@Post |
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Bank@Post Withdrawal Fee |
$2.10 |
Bank@Post Deposit Fee |
$2.10 |
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Bank@Post Cheque Dishonour Fee |
$11.00 |
Bank@Post Withdrawal Decline Fee |
$2.10 |
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| Member Cheque Accounts |
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Member Cheque Transactions |
Free |
Issue & Postage of Cheque Book - 25 Leaf |
$12.50 |
50 Leaf |
$25.00 |
100 Leaf |
$50.00 |
Dishonoured Cheques |
$30.00 |
Stop Payment Member Cheque |
$10.00 |
Cheque Deposit subsequently dishonoured |
$16.50 |
Copy of Paid Member Cheque |
From $11.00 to $33.00 |
Trace of Paid Member Cheque |
$25.00 + copy fee |
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| Exemption from Cheque Book Issue Fee |
Cheque Books issued on S15 Gold Accounts |
| BPay |
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| Each Payment made |
$0.50 |
Each future dated BPay payment which is rejected
on the Due Date due to insufficient funds |
$10.00 |
| Investigation Request/Correction |
$11.00 |
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| Direct Debits and Credits |
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Direct Credits |
FREE |
Direct Debits |
$0.50 |
Direct Debit Dishonour |
$20.00 |
Direct Debit Stop Payment Fee |
$22.00 |
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| Overdrawn Savings Account |
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This fee will apply each day the account is overdrawn |
$10.00 |
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| Balances and Transfers Between Accounts in this Credit Union |
Telephone Balance Request |
FREE |
Telephone Transfer Using QPhone |
FREE |
Telephone Transfer by Staff Member |
$2.00 per transfer |
Mail/Counter Transfer |
FREE |
Automatic Transfer to or from other savings account |
FREE |
Internal and Net Pay Transfers |
FREE |
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| Deposits |
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Cash Deposits at Credit Union's Head Office |
FREE |
| Cheque Deposits - each cheque deposited |
$0.30 per cheque* |
Special Clearance on Cheque Deposit |
Bank's Charge |
Cheque Deposit subsequently dishonoured |
$16.50 |
| Foreign Currency Cheque Deposit |
Foreign Bank's
Cheque Collection Fee |
| (*Not applicable to cheques deposited direct to Loan Account or Term Deposit Account) |
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| Statements |
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Standard Quarterly or Monthly Frequency |
FREE |
One-Off Current Transaction List |
FREE |
Regular Fortnightly Frequency Transaction List |
$2.00 per f'night |
Re-Issue (Microfiche) |
$2.00 per page
(min $5.00) |
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| Early Withdrawal Fees |
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Fixed Term Deposit Early Redemption |
Interest Penalty |
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Archive Searches/Auditors Confirmation |
Archived Voucher and Account Research |
$35.00 per hour
(Min $10.00) |
Account Audit Confirmation |
$20.00 |
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| Bank Drafts |
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Overseas Bank Drafts |
$10.00 |
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| Telegraphic Transfers to Other Financial Institutions |
| Telegrahic Transfer : |
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Within Australia |
$30.00 |
Overseas |
$30.00 |
From other Financial Institution |
$8.00 |
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Travellers Cheques and Foreign Currency |
Travellers Cheques |
$10.00 |
Foreign Currency
Cash Passport |
Flat fee of $7.00
Flat fee of $5.00 |
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| Dormant Accounts |
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Monthly Dormant Account Fee |
$15.00 |
Fees and charges stated may change from time to time. The Credit Union will notify Members of any increases to these fees and charges or the introduction of any new fees and charges at least 30 days before they take effect.
Government charges are subject to change without notice. |
