Everyday Direct account

 General Lending Rates

 Product Features

• Card Access

• Additional Cards

• Unlimited Txns

• Overdraft Additional Information: You can apply to have an overdraft (RediCredit) linked to the Everyday Direct account. All applications for credit are subject to responsible lending criteria and fees and charges apply. For full details visit our website.

• Digital Wallet

• Digital Wallet

• Digital Wallet

• Digital Banking

• Npp Payid

• Npp Enabled

• Bill Payment

• Notifications

• Other Additional Information: Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.

• Other Additional Information: Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.

 Product Eligibility

• Other Additional Information: You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.

• Residency Status - Individuals Must Be Citizens Or Permanent Residents Of Australia..

 Bank Fees and Charges

• Cash Advances Fee (Transaction), Amount: 4.50. Additional Information: Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost).

• International Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.)

• Paper Statement Fee (Periodic), Amount: 1.50. Additional Information: This fee applies when you have elected to receive a paper statement by post in addition to a statement available to view and download in internet banking. It is in addition to fees for replacement and additional statements. For credit cards, this fee is debited to credit card account on the 7th day of the month after the end of a statement period. For all other accounts, this fee is debited to transaction, savings or loan account in that order on the 15th day of the month after the end of a statement period. Exceptions apply. For more information please refer to our Fees and Charges brochure.

• Account Functions (Event), Amount: 2.50. Additional Information: $2.50 for each increment up to 3 minutes. Payable at the time the service is provided.

• Security Token Replacement (Event), Amount: 15.00. Additional Information: Payable for a security token that is lost, stolen or damaged.

• Atm Withdrawals Overseas (Transaction), Amount: 4.50.