55+ Account

 General Lending Rates

 Product Features

• Card Access Additional Information: A card is available for the product to access funds

• Additional Cards Additional Information: Additional cards can be requested

• Unlimited Txns Additional Information: Unlimited free transactions available

• Free Txns Additional Information: Unlimited free transactions available

• Free Txns Allowance Additional Information: Unlimited free transactions available

• Overdraft Additional Information: Optional

• Digital Wallet Additional Information: A Digital wallet can be attached to the product

• Digital Wallet Additional Information: A Digital wallet can be attached to the product

• Digital Wallet Additional Information: A Digital wallet can be attached to the product

• Digital Wallet Additional Information: A Digital wallet can be attached to the product

• Digital Wallet Additional Information: A Digital wallet can be attached to the product

• Digital Banking Additional Information: Access is available to online banking features for the product

• Digital Banking Additional Information: Access is available to online banking features for the product

• Npp Payid Additional Information: This account can be used for PayID

• Npp Enabled Additional Information: This account can be used can to receive funds as a result of a BSB/Number based NPP payment

• Bill Payment Additional Information: Bpay

• Notifications Additional Information: SMS alerts available

• Other Additional Information: Round-ups (origin account)

• Other Additional Information: Round-ups (destination account)

• Other Additional Information: Lock, block and control your card

• Other Additional Information: Business Banking can be attached to the product

 Product Eligibility

• Min Age - 55. Additional Information: Account only available to members aged 55 and over

• Residency Status - Australian Citizen Or Permanent Resident.

 Bank Fees and Charges

• Deposit Periodic (Periodic), Amount: 0.00. Additional Information: Where permitted by the account terms and conditions, you can perform unlimited transactions of the following types and we will not charge you a transaction fee: ATM enquiry, ATM transfer, ATM withdrawal, Bank@Post deposit, Bank@Post withdrawal, BPAY payment, branch deposit, branch transfer, branch withdrawal, corporate cheque, direct credit, direct debit, EFTPOS cash withdrawal, EFTPOS purchase, internet banking transfer, overseas ATM enquiry, overseas ATM withdrawal, Member Contact Centre transfer or payment, mobile banking transfer, periodical payment, phone banking transfer, Visa debit cash advance, Visa debit purchase. Not all transaction types are permitted on all accounts.

• Transaction (Transaction), Amount: 0.00. Additional Information: Payable whenever we send you a letter because you do not make a repayment in full on or before the due date and the default continues for 3 days or more.

• Arrears (Event), Amount: 15.00. Additional Information: Payable each day that your account is overdrawn (where you have no approved credit limit) or the account is overdrawn beyond your approved credit limit and you have performed at least one debit transaction to the account or card that day

• Overdraft Or Overlimit Fee (Event), Amount: 15.00. Additional Information: Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by third parties and 1.00% charged by Credit Union SA

• Currency Conversion (Event), Amount: Not Listed..

• Direct Debit Dishonour (Event), Amount: 10.00. Additional Information: Payable when you have insufficient funds at the time a direct debit is set to occur and the direct debit is dishonoured

• Paper Statement (Periodic), Amount: 2.00. Additional Information: If you have not opted in for eStatements and we send a paper statements to your nominated postal address we have on record. Note: An electronic statement can be requested at any time with no fee payable.

• Member Cheque Withdrawal (Event), Amount: 1.50. Additional Information: Payable when a cheque you have written has been presented for clearance

• Member Cheque Book (Event), Amount: 15.00. Additional Information: Payable when you request us to provide you with a cheque book

• Lost Visa Card (Event), Amount: 10.00. Additional Information: Payable when you lose or misplace your VISA Card and we need to order you a new card

 Limitations & Restrictions (Constraints)

• Min Balance of No minimum balance is required

• Max Balance of No maximum balance is required

• Opening Balance of No minimum opening balance

• Min Limit of No minimum limit

• Max Limit of No maximum limit