Ways to Avoid Direct ATM Fees

There are many simple ways of reducing any fees that you may pay, and it doesn’t mean changing your lifestyle. Have a look at the following list, there’s sure to be some good ideas that you can use.

Use a NAB or rediATM

The rediATM network (which now includes NAB ATMs) is one of the largest ATM networks in Australia and it’s your direct charge free network. You can withdraw cash, check your balances or make transfers without paying an ATM owner fee when using a NAB or rediATM.

Get cash-out when you go shopping

We’re often asked, “Do you want cash-out?” when we’re at the supermarket and other stores. This is an easy way of turning two transactions into just one, and avoiding being charged an ATM owner fee.

Use BPAY to Pay Your Bills

With BPay you can pay most of your bills (e.g. council rates, phone and electricity bills) using our Phone or Internet Banking service. It’s easy to do, it provides a simple way of tracking your payments, and best of all BPay transactions are FREE.

Increase your withdrawal amount

Many people try to budget by only withdrawing small amounts at the ATM, like $20 at a time. While this sounds like a good idea, there are many members that we see who end up going to the ATM several times a day. Not only does this cost you time, but it can also cost you money in increased ATM owner fees.

Use Internet or Phone Banking

If you need to check your account balance, don’t use an ATM, use the Credit Union’s internet or phone banking services instead. This way you will avoid both ATM balance enquiry fees and potential declined ATM transaction fees.