Fees and Charges

To find out our current fees and charges select from the menu below.

Free Transactions
Membership Fee
Special Services

Free Transactions

Transaction/Service	Fee per transaction
ATM withdrawal*	Free
BPAY withdrawal~	Free
Branch cash withdrawal	Free
Cash deposit	Free
Cheque deposit	Free
Cheque withdrawal - Credit Union cheque - Personal member cheque	Free Free
Direct credit	Free
Direct debit	Free
EFTPOS withdrawal	Free
External funds transfer~	Free
Internet Banking	Free
Periodical payment	Free
Phone Banking	Free
Transfers between Credit Union accounts	Free

*For transactions in Australia only, refer to Special Service Fees for overseas ATM withdrawals and cash advances. An ATM direct charge may be levied at ATMs which do not form part of the rediATM network.
~A fee will apply for all staff assisted external funds transfers or BPAYs.

Membership Fee
Applicable to all memberships from 1 March 2010.

Member Loyalty Program	Fee per month
Supporting member* Members - under 21 years Members - less than 3 months Other members	Nil Nil Nil $5.00

*A member with a relationship balance of $1,000 or more in eligible contributing accounts (savings, investments and/or loans with the Credit Union). The minimum monthly balance of each account is used for relationship balance calculations.

Click here for more information on our Member Loyalty Program.

Special Service Fees
Applicable to Savings and Investment accounts from 1 March 2010.

Transaction/Service	Fee per transaction
Audit confirmation fee	$10.00
Bank cheques - Issued by NAB	$38.00
BPAY - Reversal - Staff assisted transaction	$25.00 $5.00
Card replacement fee - Redicard/Visa (Australia only) - Visa (overseas)	$10.00 $US 175
Dishonour fee - Cheque deposited - Direct debit - Member cheque	$9.00 $15.00 $15.00
Document copy fee (archive retrieval cost may also apply) - Cheque or voucher - Statement - Visa voucher	$10.00 $5.00 $25.00
Dormant account fee Inactive for more than 12 months (excludes juniors)	$25.00 pa
External funds transfers - Priority EFT (same day) - Recall - Staff assisted transaction	$40.00 $15.00 $5.00
Honour fee (Payable on each occasion that account is overdrawn to cover payment)	$10.00
International payments - Foreign cheque deposit - Telegraphic transfer	$10.00 $40.00
NAB deposit services - Encoded NAB deposit book - NAB manual deposit fee* * applies when encoded deposit slip not used	$30.00 $2.50
Overdrawn account fee (Payable each month the account remains overdrawn)	$45.00
Overseas ATM withdrawal/cash advance fee~ For supporting members# - First 10 transactions each month - Additional transactions each month Other members - Each transaction *Currency conversion rate of 2% also applies	Free* $3.00* $3.00*
Security token replacement fee (If security token previously issued)	$20.00

*ATM owner fees may also apply. #Supporting members hold a combined minimum monthly balance of at least $1,000 in savings, investments and/or loans with the Credit Union. Further restrictions may apply for Overseas ATM fees where the service is used for an extended period of time.

For downloadable version, please click below.

Schedule of Fees and Charges

Note: These forms are provided in pdf format and require Adobe Acrobat Reader®. You can download the FREE Adobe® Reader® by clicking on the button below.