ACCESS ACCOUNT - OVERDRAFT

 General Lending Rates

 Product Features

• Bill Payment

• Card Access

• Digital Banking

• Digital Wallet Additional Information: Payment options available

• Npp Enabled

• Npp Payid

• Overdraft Additional Information: Credit eligibility criteria, terms and conditions, fees and charges apply

 Product Eligibility

• Natural Person

• Min Age - 18.

 Bank Fees and Charges

• Visa Debit Card Monthly Fee (Periodic), Amount: 2.00.

• Eftpos Or Debit Card Purchase (pin Activated) (Transaction), Amount: 1.10. Additional Information: Calculated per transaction and charged last day monthly

• Eftpos Purchase With Cash Out (Transaction), Amount: 1.50. Additional Information: Calculated per transaction and charged last day monthly

• Direct Debit (Transaction), Amount: 1.10. Additional Information: Calculated per transaction and charged last day monthly

• Atm Withdrawal At Any Atm (Transaction), Amount: 1.50. Additional Information: Calculated per transaction and charged last day monthly. You may be charged a direct charge fee from the ATM operator.

• Atm Withdrawal/cash Advance Overseas (Transaction), Amount: 5.00.

• Internet Banking External Transfer (Transaction), Amount: 1.00.

• Electronic External Transfer (Transaction), Amount: 1.00.

• Over The Counter Cash Withdrawal (Withdrawal), Amount: 1.50.

• Bank@post Withdrawal, Cash Advance Or Cash Deposit (Transaction), Amount: 4.00.

• Bank@post Cheque Deposit (Deposit), Amount: 2.00.

• Atm Balance Enquiry (Transaction), Amount: 1.25. Additional Information: You may be charged a direct charge fee by the ATM operator

• Staff Assisted Transfer (Event), Amount: 2.00.

• Card Extraction Fee (Event), Amount: 45.00.

• Visa Chargebacks (Event), Amount: 25.00.

• International Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Payable when you use your VISA card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia. The fee is converted to Australian dollars using the exchange rate valid on the day the emergency card is produced.

• Inactive Fee (Event), Amount: 2.00.

• Dormancy Fee (Event), Amount: 20.00. Additional Information: Applicable on all savings accounts

• Over Limit Fee (Event), Amount: 10.00. Additional Information: Charged last day monthly

• Dishonour - Direct Debit (Event), Amount: 25.00. Additional Information: Charged on the day of the dishonour

• Dishonour - Periodical Payment (Event), Amount: 20.00. Additional Information: Charged on the day of the dishonour

• Account Combination Fee (Event), Amount: 5.00.

• Forced Payment (Event), Amount: 20.00.

• Eft Investigation Fee (Event), Amount: 35.00. Additional Information: Includes NPP Payments, incorrect amount transferred; elleged unauthorised transactions; request to recall funds

• Copy Of Statement (already Issued) (Event), Amount: 1.50. Additional Information: Charged per page. For statements issued prior to January 1997 the fee is $3 per page.

• Dishonour Fee - Cheque Deposit (Event), Amount: 0.00. Additional Information: Charged on the day of the dishonour. At cost.

• Transfer Of Funds (Event), Amount: 0.00. Additional Information: Charged at cost

• Retrieving Cashiering Vouchers Or Any Other Document (Event), Amount: 20.00. Additional Information: Charged per item

• Drafts (Event), Amount: 17.50.

• Overseas Telegraphic Transfer (tt) (Event), Amount: 50.00.

• Overseas Telegraphic Transfer (Event), Amount: 30.00.

• Travelex Services (Event), Amount: 0.00. Additional Information: Charged at cost

• Foreign Cheque Encashment (Event), Amount: 12.50. Additional Information: For values over $A25,000 the fee applicable is $57.50.

• Cancel Replacement Of Visa Card (Event), Amount: 50.00. Additional Information: Charged in US Dollars

• Replacement Of Visa Card (overseas) Std (Event), Amount: 55.00.

• Replacement Of Visa Card (within Aus) (Event), Amount: 12.50.