Everyday Retirement Account

 General Lending Rates

 Product Features

• Other Additional Information: No monthly service fee

• Other Additional Information: Available to anyone aged 55 and over, or a Pensioner Concession Card holder

• Other Additional Information: EFTPOS and access to Bendigo ATM networks

• Other Additional Information: Rural Bank Visa Debit Card to access your funds through ATMs, EFTPOS or online shopping

• Other Additional Information: Transact at Australia Post retail outlets displaying the Bank@Post™ symbol (fee applies)

• Other Additional Information: Optional personal chequebook

• Other Additional Information: Stepped interest rates apply

 Product Eligibility

• Other Additional Information: Personal applicants only

• Other Additional Information: Must be at least 16 years of age or over to have a VISA Debit card or access to Internet and Phone Banking (excluding Pay Anyone)

• Other Additional Information: Must be 18 years of age or over for access to a chequebook

• Residency Status - Only Available To Australian Residents With An Australian Address.

• Pension Recipient Additional Information: Pensioner Concession Card holders in receipt of an eligible Centrelink pension or allowance or a Veterans’ Affairs pension or allowance. Eligible pensions and allowances include: Aged pension, Disability Support pension, Carer's pension, Wife's pension, Widow's pension, Veteran's pension, Mature Age allowance

• Min Age - 55. Additional Information: At least one account holder must 55 years of age or over, or hold a Pensioner Concession Card

 Bank Fees and Charges

• Periodical Payment Fee (Payment), Amount: 4.00. Additional Information: For a transfer to another financial institution. Fee applies once free ATM withdrawals, periodical payments and staff assisted transfers have been used.

• Staff Assisted Transfer To Another Financial Institution (excluding Bendigo Bank (Payment), Amount: 5.00. Additional Information: Staff assisted transfer to another financial institution (excluding Bendigo Bank). Fee applies once free ATM withdrawals, periodical payments and staff assisted transfers have been used.

• Bank@post™ Deposit Or Withdrawal Fee (Transaction), Amount: 2.00. Additional Information: Fee applies once free Bank@Post, branch withdrawals and staff assisted transfers have been used.

• Branch Withdrawal Fee (Withdrawal), Amount: 2.00. Additional Information: Fee applies once free Bank@Post, branch withdrawals and staff assisted transfers have been used.

• Staff Assisted Transfer Fee (Payment), Amount: 2.00. Additional Information: Staff assisted transfer to a Rural Bank account. Fee applies once free Bank@Post, branch withdrawals and staff assisted transfers have been used.

• Atm Withdrawal Fee (Withdrawal), Amount: 0.70. Additional Information: Fee applies once free ATM withdrawals have been used.

• Visa Cash Advance (Withdrawal), Amount: 4.00. Additional Information: Applies to each Visa Debit card withdrawal you make over the counter at any participating financial institution (excludes transactions performed at any Bendigo Bank branch)

• International Visa Cash Advance (Withdrawal), Amount: 4.00. Additional Information: Applies to each Visa Debit card withdrawal you make over the counter or at an ATM outside of Australia. Note: the foreign currency conversion fee also applies

• Foreign Currency Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: A foreign currency conversion fee of 2% of the Australian dollar amount applies when a purchase or cash advance is performed in a foreign currency. Note: the International Visa cash advance fee also applies for cards used overseas

• Visa Debit Card Replacement Fee In Australia Via Registered Post (Event), Amount: 10.00.

• Visa Debit Card Replacement Fee In Australia Via Express Post (Event), Amount: 15.00.

• Visa Debit Card Replacement Fee Outside Australia (Event), Amount: 150.00.

• Bank Cheque Fee (Payment), Amount: 10.00. Additional Information: Applies per bank cheque you request. Bank cheques are organised through the Commonwealth Bank of Australia or Bendigo Bank

• Bank Cheque Repurchase Or Stop Fee (Event), Amount: 30.00. Additional Information: Applies per bank cheque you request to be repurchased or stopped

• Cheque Stop Fee (Event), Amount: 10.00. Additional Information: Applies when you request a stop payment be placed on a cheque from your cheque book. Fee applies per cheque written or per series of cheques if the cheque book is lost or stolen

• Cheque Book Via Express Post (Event), Amount: 15.00. Additional Information: Applies per cheque book you request to be sent via Express Post

• Cheque Encashment Establishment Fee (Event), Amount: 160.00. Additional Information: Applies when a cheque encashment arrangement is established with another financial institution. Arrangement is for a maximum of 2 years

• Single Cheque Encashment Fee (Payment), Amount: 15.00. Additional Information: Applies for each cheque you ask us to arrange to be cashed at a branch of another financial institution

• Real Time Electronic Or International Funds Transfer (Payment), Amount: 30.00. Additional Information: Applies the same day you request a transfer to an account at another financial institution in Australia, or an international funds transfer

• Outward Cheque Dishonour Fee (Payment), Amount: 10.00. Additional Information: Applies per cheque written on your account that is dishonoured due to insufficient funds

• Direct Debit Dishonour Fee (Payment), Amount: 10.00. Additional Information: Applies per unsuccessful direct debit attempt on your account due to insufficient funds

• Copy Of A Cheque (Event), Amount: 20.00. Additional Information: Applies per cheque when you request a copy of a cheque deposited to your account

• Electronic Or Cheque Trace (Event), Amount: 20.00. Additional Information: Applies per request to trace a Bpay®, Pay Anyone (including Osko®) or other transaction sent electronically to another financial institution or a cheque written on your account. A copy of the cheque is provided with this request. The trace fee will be waived if the trace reveals an error by Rural Bank

• Real Time Electronic Or International Funds Trace (Event), Amount: 30.00. Additional Information: Applies per request. Note: The receiving bank may also impose a fee. The trace fee will be waived if the trace reveals an error by Rural Bank

• Electronic Recall (Event), Amount: 15.00. Additional Information: Applies per attempt to recall an electronic transaction. The fee is charged even if the recall is unsuccessful

• Audit Request (Event), Amount: 30.00. Additional Information: Applies per audit requested on an account

• Transaction History Record (Event), Amount: 5.00. Additional Information: Applies per request per statement period for a transaction history print out on an account

• Administration Fee (Event), Amount: 15.00. Additional Information: An administration fee of $15.00 per 1/4 hour applies for the supply of information, retrieval of a voucher or other documentation, or other special services you request

• Pre-carbonated Duplicate Deposit Book (Event), Amount: 5.00. Additional Information: Applies per book requested

• Dormant Account (Periodic), Amount: 20.00. Additional Information: Charged annually to accounts that have not had a customer initiated deposit or withdrawal for 3 years or more

• Physical Security Token (issue And Replacement) (Event), Amount: 25.00. Additional Information: Key-ring sized token that improves the security of Internet Banking. Applies per token ordered

• Monthly Service Fee (Transaction), Amount: 0.00.

• Visa Purchases (Transaction), Amount: 0.00.

• Transfers From One Rural Bank Account To Another (Transaction), Amount: 0.00. Additional Information: Only applicable when using: -Internet Banking -Phone Banking -Periodical payments

• Cash And Cheque Deposits (Transaction), Amount: 0.00.

• Direct Credits (Transaction), Amount: 0.00.

• Cash Withdrawals At A Branch (Transaction), Amount: 0.00.

• Bpay®payments (Transaction), Amount: 0.00.

• Pay Anyone Transfers, Including Osko® (Transaction), Amount: 0.00.

• Direct Debit Withdrawals (Transaction), Amount: 0.00.

• Eftpos Transactions (Transaction), Amount: 0.00.

• Atm Balance Enquiries (Transaction), Amount: 0.00. Additional Information: ATM transactions or balance enquiries performed at Rural Bank, Bendigo Bank or Bendigo Bank shared ATMs are free, all other ATM transactions may incur a fee

• Cheque Withdrawals (not Staff Assisted) (Transaction), Amount: 0.00. Additional Information: Personalised cheques are not available on accounts opened from 1 August 2023

 Limitations & Restrictions (Constraints)

• Opening Balance of 1.00

• Min Balance of 1.00