Accessing Your Account

AMP Credit Union gives you a choice as to how you can access your funds. Refer to the following table to ensure you have selected the right account(s) for the access facilities you require.

ACCOUNT	REDIACCESS S1	BUSIACCESS S2	SPECIAL SAVER S4	INVESTMENT S3	TERM DEPOSIT
Minimum balance required	$500 Note 2	$500 Note 2	$1	$500	$2000
Minimum Transaction Amount				$100
Funds available at call					Note 1
EFTPOS and ATM(Redicard or Visa)
Cheque Book
Internet Banking
Phone Banking
BPay
Sweep Facility
NAB Deposits
Direct Debit
Direct Credit
Periodical Payments
Statement Frequency	Quarterly Note 3	Quarterly Note 3	Quarterly	Quarterly	Quarterly

Note 1
Term deposits are only available at maturity. We may allow early withdrawals at our discretion (for example, in cases of financial hardship) and early withdrawals will incur a penalty. If the Credit Union agrees to an early withdrawal, the money you withdraw early will earn 1% less of the interest rate which was originally agreed.

Note 2
The minimum balance requirement is for new accounts opened after 1 April 2008. Minimum balance for children’s accounts is $100.

Note 3
Statements are available monthly on request.

Important Information
This document forms part of the Conditions of Use of our Accounts and Access Facility. It should be read together with our Fees and Charges brochure. You should read all three brochures together before first using any of our financial products.

Transaction Limits

Transaction Type	Limit per day
Cash withdrawals over the counter	$2,000
EFT and/or ATM withdrawals using Redicard or Visa	$1,000
Internet Banking - BPay and Internal transfers	$20,000
Internet Banking - External transfer to another bank account	$5,000
Phone Banking – Bpay and transfers between memberships	Unlimited

There are a number of options available to you.

There are no transaction fees on any of our services.

To activate or become connected to any of these services please fill out the relevant application form(s) under the relevant section(s) or click on this link to all application forms and documents.