| 0 | None | 0 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 18.00 | | 18.00 | 45.00 | 40.00 | 15.00 | Dishonoured inward payment (direct debit-periodical payment) costs 12.00 | 2.5 | 5.50 | 1.5 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 | | NAB and rediATMs | 0.00 | Deposits at Australia Post are free | No | Not available | • No fees for most everyday transactions, zero monthly fee
| • High penalty fees, no interest paid
| https://www.amp.com.au/easytransact | No | Yes | Penalties apply | Yes | Yes | Yes |
| 0 | None | 5.3 | 0.00 | As charged by ATM operator | 0.50 | 0.50 | 0.00 | 0 | 2.50 after the first counter withdrawal (free) | 0.00 | 0.00 | 0 | 1.00 | Not available | Not available | Not available | No | Not available | Not available | 30.00 | $30 referral fee applies where cheques or direct debits presented result in an excess account balance | 30.00 | NA - no cheque available | 35.00 | 10.00 | Referral fee is 30.00 | NA - no overseas transactions with debit card | NA - no overseas transactions with debit card | NA - no overseas transactions with debit card | Internet transfers are unlimited, others aren't | 0 | Not available | 0.00 | Arab Bank Australia, rediATM and rediATM-NAB machines | 0.00 | Yes | No | Not available | • Interest paid, zero monthly fee
| • High penalty fees, No cheque book available, Card can't be used overseas, Transaction fees apply
| http://www.arabbank.com.au/deposit-and-investment-accounts/investment-accounts/online-savings-account | No | Yes | Penalties apply | Yes | No | No |
| 5 | 2500 minimum balance, or Australian Central Home Loan, or aged under 18 or over 55 | 0 | 0.00 | As charged by ATM operator | 0.00 | 0.00 (members are paid 10 cents for each bill paid using BPay via phone or internet banking) | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 15 | 0.00 | 0.00 | 0.00 | 0.00 (members receive 10 cents for each bill paid using the BPay via phone or internet banking) | Yes | 5.00 | 0.00 | 15.00-35.00 | 15 (first letter after 5 days), 25 (second letter), 30 (default notice), 35 (demand letter) | 5.00 | 35.00 | 35.00 | 0.00-11.70 | First declined transaction each month is free, then 1.00 per declined transaction. Inward cheque dishonour fees is up to 11.70 - only if you deposit a cheque via a NAB branch or Australia Post outlet | 2 | 5.00 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 2.00 reward per month if minimum balance is maintained; 5 cents for every VISA transaction at EFTPOS where you select Credit; 10 cents for every bill payed through BPAY (telephone or online banking) | 0.00 | 0.00 | NAB and rediATMs | 0.00 | Australian Central Banking Centre, Agency or at any Bank@PostTM outlet | Visa Debit | Not available | • No fees for most everyday transactions, monthly fee can be waived
| • High penalty fees, no interest paid
| http://www.accu.com.au/Content.aspx?P=244 | No | No | Penalties apply | Yes | Yes | Yes |
| 0 | Aged over 55 | 2.55% (0 to 41,999); 3.6% (42,000 or more) | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 15 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 5.00 | 0.00 | 15.00-35.00 | 15 (first letter after 5 days), 25 (second letter), 30 (default notice), 35 (demand letter) | 5.00 | 35.00 | 35.00 | 0.00-11.70 | First declined transaction each month is free, then 1.00 per declined transaction. Inward cheque dishonour fees is up to 11.70 - only if you deposit a cheque via a NAB branch or Australia Post outlet | 2 | 5.00 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 | 0.00 | NAB and rediATMs | 0.00 | Australian Central Banking Centre, Agency or at any Bank@PostTM outlet | Visa Debit | Not available | • No fees for most everyday transactions, no monthly fee, interest paid
| • High penalty fees
| http://www.accu.com.au/Content.aspx?P=4 | No | No | Penalties apply | Yes | Yes | Yes |
| 5 | 500 minimum balance | 0.1% (1000-49,999); 0.25% (50,000 or more) | 1.50 per withdrawal over the monthly fee-free limit (4) | 0.00 (first 4 ATM withdrawals per month), then 1.50 each, plus foreign ATM operator's fee | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | First 10 for free per month, then 50 cents for 11-20 transactions and 1.00 for 21or more transactions | Not available - no phone banking | Not available - no phone banking | Not available - no phone banking | Yes | 0.00 | 0.00 | 30.00 | | 30.00 | 30.00 | 30.00 | 10.00 | | 2 | 5.00 | 0.00 | First 10 free. 11-20 transactions per month cost 50 cents each. 21 or more cost 1.00 each | 0 | 0.00 | 20.00 | rediATM network | 0.00 | Yes | Visa Debit | Not available | • Monthly waived if 500 minimum balance maintained
| • Free everyday transactions aren't unlimited, low interest paid, high penalties
| http://www.bankofcyprus.com.au/boc/index.php?navi=Personal Banking&navj=Personal Transaction Accounts | No | No | Penalties apply | No | No | No |
| 4 | 2000 minimum balance | 0.01 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 2.00 | 12 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 30.00 | Maximum 3 fees per day | 40.00 | 40.00 | 40.00 | 18.78 | | 2.5 | 5.00 | 0.00 | Unlimited free deposits and withdrawals at BoQ branches, BoQ ATMs, Internet Banking, EasyPhone banking, EFTPOS, cheque book and BPAY | 2.00 bonus payment for balance above 2000 | 0.00 | 3.50 | Bank of Queensland | 0.00 | Yes | Visa Debit | 72% | • No fees for most everyday transactions, Monthly fee can be waived
| • High penalty fees, doesn't offer unlimited fee-free everyday transactions, low interest paid
| http://www.boq.com.au/personal_everyday_reversecharges.htm | No | No | Penalties apply | Yes | Yes | Yes |
| 5 | 1000 minimum balance | 0.01 | 0.65 after the fee-free limit for BoQ ATM or EFTPOS withdrawals or transfers each month (15), if the monthly balance is at least 1,000 | As charged by ATM operator | 0.00 | 0.30 after free internet (10) and EasyPhone (10) transactions | 0.65 | 0 | 2.00 after free transactions (2), unless minimum monthly balance is above 1,000 (then all branch withdrawals are free) | 0.00 | 2.00 | 12 | 0.65 after 15 free Bank of Queensland ATM or EFTPOS withdrawal or transfers each month, if minimum monthly balance is above 1,000 | 10 free Funds Transfer or BPay for EasyPhone, then 0.30 each | Single Pay Anyone 0.65 each, Multiple payments 1.50 for up to 10 payments, then 0.19 for each additional transaction. | 10 free Funds Transfer or BPay for EasyPhone then 0.30 each | Yes | 0.00 | 1.00 after 2 free per month | 30.00 | Maximum 3 fees per day | 40.00 | 40.00 | 40.00 | 18.78 | | 2.5 | 5.00 | 0.00 | For minimum monthly balance of 1,000 - no monthly fee, unlimited free teller withdrawals at BoQ branches, 15 free BoQ ATM or EFTPOS withdrawals or transfers each month, two free cheques written each month. With minimum monthly balance below 1,000: 5 monthly account fee, two free teller withdrawals each month at BoQ branches, three free BoQ ATM or EFTPOS withdrawals or transfers each month, two free cheques written each month | 0 | 10 free Funds Transfer or Bpay for internet and 10 free Funds Transfer or BPay for EasyPhone then 0.30 each. Single Pay Anyone 0.65 each | 3.50 to 5.00 | Bank of Queensland | 0.65 after 15 free ATM and EFTPOS transactions | Yes | Visa Debit | 72% | • No fees for most everyday transactions, Monthly fee can be waived
| • High penalties, doesn't offer unlimited fee-free everyday transactions, low interest paid
| http://www.boq.com.au/personal_everyday_ultimate.htm | No | No | Penalties apply | No | No | No |
| 5 | Minimum deposit of 2000 or BankSA home loan repayment automatically deducted from this account | 0 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 9.00 | | 9.00 | 9.00 | 9.00 | 0.00 | | 2.5 | 5.00 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 4.00 | 4.00 | BankSA, Westpac, St George ATMs | 0.00 | Yes | Visa Debit | Not available | • No fees for most everyday transactions, Monthly fee can be waived
| • Penalty fees, no interest paid
| http://www.banksa.com.au/accounts/everyday-banking/complete-freedom.asp | No | No | Penalties apply | Yes | Yes | Yes |
| 0 | 2000 minimum deposit | 4% (up to 5,000), 0% (over 5,000) | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 15.00 | 15.00 is charged when breach exceeds the fee-free and interest-free Safety Net Facility (100.00), with maximum of three penalties (45.00) per day | 15.00 | 15.00 | 15.00 | 0.00 | A 100.00 dollar safety limit applies before penalty fees are charged. Then the penalty is 15.00 for each breach, up to 45.00 maximum per day. Customer trace fee 10.00 - payable on each occasion the bank has to locate you during the period the account is in default | 2.95 | 5.00 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 | 0.00 (Bankwest accounts in the same name), 2.20 (other Bankwest accounts), 4.80 (other financial institutions) | CBA-Bankwest | 0.00 | Bankwest Service Centre, Bankwest Agent, Neighbourhood Bank or using Bank@Post | Debit Mastercard | 69% | • No fees for most everyday transactions, no monthly fee if you lodge 2000 per month, interest paid, penalty fee safety limit
| • Penalty fees after limit reached, need to deposit 2000 per month
| http://bankwest.com.au/Personal/Transaction_Accounts/Bankwest_Hero_Transaction_Account/index.aspx | No | No | Penalties apply | Yes | Yes | Yes |
| 0 | 2000 minimum deposit | 0 | 0.00 | 0.00 at CBA, ANZ, CBA, NAB and Westpac ATMs; otherwise operator's fee applies. | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 15.00 | 15.00 is charged when breach exceeds the fee-free and interest-free Safety Net Facility (100), with maximum of three penalties (45.00) per day | 15.00 | 15.00 | 15.00 | 0.00 | A 100.00 dollar safety limit applies before penalty fees are charged. Then the penalty is 15.00 for each breach, up to 45.00 maximum per day. Customer trace fee 10.00 - payable on each occasion the bank has to locate you during the period the account is in default | 2.95 | 5.00 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 | 0.00 (Bankwest accounts in the same name), 2.20 (other Bankwest accounts), 4.80 (other financial institutions) | CBA-Bankwest | 0.00 | Bankwest Service Centre, Bankwest Agent, Neighbourhood Bank or using Bank@Post | Debit Mastercard | 69% | • No fees for most everyday transactions, no foreign ATM fees from most other banks' machines, no monthly fee for customers lodging 2000 per month, penalty fee safety limit
| • Penalty fees after limit reached, need to deposit 2000 per month, no interest paid
| http://bankwest.com.au/Personal/Transaction_Accounts/Bankwest_Zero_Transaction_Account/index.aspx | No | No | Penalties apply | Yes | Yes | Yes |
| 6 | 1000 minimum balance | 0.01 | 0.70 for each electronic withdrawal over the fee free limit (10) | 0.70 for each electronic withdrawal over the fee free limit (10), plus ATM operator's fee | 0.70 for each electronic withdrawal over the fee-free limit (10) | 0.20, plus 0.70 for each transaction over the fee-free limit (10) | 0.20, plus 0.70 for each transaction over the fee-free limit (10) | 0 | 4.00 | 0.00 | 0.00 | 0 | 0.70 for each electronic withdrawal over the fee free limit (10) | 0.70 after free electronic withdrawals per month (10) | 0.25 for PayAnybody, plus 10 free electronic withdrawals per month, excess withdrawals 0.70 each | 0.20 for BPAY, plus 10 free electronic withdrawals per month, excess withdrawals 0.70 each | Yes | 0.00 | 1.50 after 2 free per month | 15.00 | | 15.00 | 15.00 | 15.00 | 0.00 | Customer trace fee 10.00 | 2.95 | 5.00 | 0.00 | 10 free electronic withdrawals and 2 free cheque withdrawals per month | 0 | 0.25 for PayAnybody, plus 10 free electronic withdrawals per month, excess withdrawals 0.70 each | 0.00 (Bankwest accounts in the same name), 2.20 (other Bankwest accounts), 4.80 (other financial institutions) | CBA-Bankwest | 0.00 | Bankwest Service Centre, Bankwest Agent, Neighbourhood Bank or using Bank@Post | Debit Mastercard | 69% | • No fees for most everyday transactions, no monthly fee if you keep a 1000 balance
| • Penalty fees with no safety limit, need to deposit 2000 per month to pay no monthly fee, low interest paid
| http://bankwest.com.au/Personal/Transaction_Accounts/Complete_Account/index.aspx | No | No | Penalties apply | No | No | No |
| 0 | None | 0.01 | 0.70 | As charged by ATM operator | 0.00 | 0.40 | 0.40 | 0 | 1.75 | 0.00 | 0.00 | 36 | 0.00 for purchase, 0.70 for cash advance | 0.40 | Not available | 0.40 | Yes (Ultimate Cheque Account) | 0.00 | 0.70 | 27.50 | Fee is charged on each day customer makes a transaction and the account is overdrawn at the end of the day | 20.00 | 40.00 | 40.00 | 0.00 | | 2 | 5.00 | 0.7 | Certain transactions are free and unlimited, others subject to a fee but then rebates | 4.00 per month | Not available | 0.00 to 3.75 (depending on where payment is going) | Bendigo Bank | 0.00 | Yes | Debit Mastercard | 82% | • No monthly fee
| • Transaction fees apply (after 4.00 rebate), Debit card costs 3.00 per month, High penalty fees, No cheque book available, low interest paid
| http://www.bendigobank.com.au/public/personal/accounts/everyday_accounts_dbdetail.asp?ID=1 | No | Yes | Penalties apply | No | No | No |
| 0 | A monthly fee may be charged on inactive accounts where the balance is less than 500. An account becomes an inactive account when no customer-initiated transactions are made on the account for six complete consecutive months | 5.51 bonus rate until 30 June 2010, if customers make at least one deposit and no withdrawals each month | 0.50 | As charged by ATM operator | 0.30 | 0.30 | 0.30 | 0 | 2.00 | 2.00 | 2.00 | 0 | 0.50 | 0.30 | 0.30 | 0.30 | No | Not available | Not available | 10.00 | Maximum one fee per day per account | 5.00 | 0.00 | 5.00 | 0.00 | | 2 | 5.00 | 1 | 1 electronic withdrawal | 0 | 0.30 to 1.80 | | CBA-Bankwest | 0.50 | Yes | No | 64% | • No monthly fee (conditions apply), bonus interest paid, low penalty fees
| • Fee-free everyday transactions are not unlimited
| http://www.commbank.com.au/personal/accounts/awardsaver/default.aspx | No | No | Penalties apply | No | No | No |
| 0 | None | 0 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | Not available | 0.00 | Yes | 0.00 | 0.00 | 10.00 | | 9.00 | 9.00 | 9.00 | 0.00 | | 2.5 | 0.00 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 | NA - all periodical payments arranged by customers online | Citibank, Westpac, St George and BankSA ATMs | 0.00 | Citibank, NAB and Australia Post outlets | Visa Debit | Not available | • No fees for most everyday transactions, no monthly fee
| • Penalty fees, no interest paid
| http://www.citibank.com.au/AUGCB/APPS/portal/loadPage.do?path=/prod/det/deposits_citibankplus.htm&tabId=Deposits | No | Yes | Penalties apply | Yes | Yes | Yes |
| 0 | None | 0.05 | 1.50 after monthly fee-free allowance exceeded | As charged by ATM operator | 0.50 (free for some members) | 0.20 | 1.00 | 0 | 2.50 (after fee-free allowance is exceeded) | 0.00 | 0.00 | 0 | 0.50 (Visa Debit purchase); 0.90 (Eftpos purchase) | 0.00 | Not available | 0.20 | Yes | 4.50 (30 cheques), 10.00 (100 cheques) | 0.85 after fee-free allowance exceeded | 11.00 | Fee applies for overdrawing an account by 50 or more | 11.00 | 11.00 | 11.00 | 3.75 | | 2 | 4.00 cash advance fee | 0.5 | Depends on value of the relationship and transactions | Minimum rebate is 5.00 per month. Unlimited for certain package members | 1.00 | 1.00 | NAB and rediATMs | 0.00 | SA, ACT, NSW & WA | Visa Debit or Redicard | Not available | • No monthly fee, large fee rebates for members with other products or high relationship balance
| • Penalty fees, Transaction fees apply after fee rebates, Low interest paid
| http://www.communitycps.com.au/aspx/access_savings_account.aspx | No | Yes | Penalties apply | No | No | No |
| 0 | None | 0.01 to 0.5 | 1.50 | As charged by ATM operator | 0.00 (2.00 fee applies to debit an external account and credit CUA account) | 0.00 | 0.00 | 0 | 2.00 | 0.00 | 0.00
on personal accounts
0.35
on non-personal accounts | 0 | 0.60 | 0.00 | Not available | 0.00 | Yes | 0.00 | 0.00 | 25.00 | Fee applies for overdrawing an account by 50.00 or more | 5.00 | 35.00 | 16.00
35.00 if debit sent using details from cheque book instead of BSB and account number | 9.00
No fee charged by CUA if deposit made via Australia Post - AP charge own dishonour fee | 7.50 for outward direct debit dishonour. Overdrawn fee only charged if debit increases due to member inititated transaction. Insufficient funds penalty only charged if funds are not deposited to cover the payment before the next payment date. | 2 | 5.00 | 5 | 2 to 26 (can be zero if not main account) | Yes | 0.00 | 0.00 (CUA account), 2.00 (external account) | NAB and rediATMs | 1.00 (4 free per month) | Yes | Visa Debit | 84% | • No monthly fee, high transaction fee rebates for eligible customers
| • Penalty fees, fee-free everyday transactions are not unlimited, low interest paid
| http://cua.com.au/wps/wcm/connect/website/home/personalchange/bankaccounts/transactionaccounts/primeaccess/primeaccess | No | Yes | Penalties apply | No | No | No |
| 0 | None | 0.20% (1,000-50,000) | 0.50 (Greater Building Society), 1.20 (rediATM) | As charged by ATM operator | 0.00 | 0.00-1.00 (1.00 for Bpay request over the counter) | 0.00 | 0 | 1.00 | 0.00 | 0.00 | 0 | 0.20 for cash out. No fee if customer presses credit | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.40 | 0-5 | 5.00 cheque honour fee applies if a cheque is honoured that would otherwise have incurred a dishonour fee because of insufficient funds | 8.00 | 30.00 | 8.00 | 0.00 | | 2 | 4.00 | 0.00 | Fee allowance 2.50 per month, fee rebate 50 cents for every 250 your account is in credit | Fee allowance 2.50 per month, fee rebate 50 cents for every 250 your account is in credit | 0.00 | 0.00 (per transaction), 2.50 (establishment fee) | Greater Building Society | 0.30 (Greater Building Society), 0.80 (rediATMs) | Yes | Visa Debit | Not available | • No monthly fee, fee rebates apply
| • Transaction fees apply after fee rebates, High penalty fees, low interest paid
| http://www.greater.com.au/Personal-Banking/Everyday-Accounts/Access-Account.aspx and http://www.greater.com.au/Resources/Documents/Terms--Conditions-Part-2.pdf | No | Yes | Penalties apply | No | No | No |
| 0 | None | 0.05 (up to 24,999) | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.50 after 6 to 10 free transactions per month. Further free transactions for customers with a professional package. | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 10.00-20.00 | 10.00 (overdrawn amounts between 15.00 and 40.00), 20.00 (overdrawn amounts over 40.00) | 15.00 | 25.00 | 25.00 | 0.00 | | 2.5 | 5.00 | Customers can press credit to pay lower fees | Unlimited free Heritage Building Society ATM and branch transactions | 0 | 0.00 | 0.00 (to other Heritage accounts), 7.00 (cheques), 3.00 (other methods) | Heritage Building Society | 0.00 | Southeast Queensland | Visa Debit | Not available | • No fees for most everyday transactions, no monthly fee
| • High penalty fees, Low interest paid
| http://secure.heritageonline.com.au/Personal-Banking/Saving-and-Access-Accounts/Simply-Access.aspx and http://secure.heritageonline.com.au/Personal-Banking//~/media/Files/SV016_Guide_to_Deposits_1209.ashx | No | Yes | Penalties apply | Yes | No | Yes |
| 0 | 2000 minimum opening balance | 0.05-3 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 5.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 (2.50 if staff assisted) | 0.00 (2.50 if staff assisted) | 0.00 (2.50 if staff assisted) | Yes | 0.00 | 1.00 | 20.00 | | 10.00 | 40.00 | 35.00 | 0.00 | | 1 | 4.50 | 1.00 (ATM card), 4.50 (Visa Debit) | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 | 5.00 | HSBC Bank, Westpac, St George and BankSA | 0.00 | Yes | Yes | 74% | • Free electronic and ATM transactions up to a limit
| • High branch fees, High penalty fees, Low interest paid
| http://www.hsbc.com.au/1/2/personal/savings/online-account | No | No | Penalties apply | Yes | Yes | No |
| 6 | 2000 minimum balance | 0 | 0.00 | 1.25 (rediATMs), other ATM as charged by operator. Fees waived for certain postcodes. | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 25.00 | 25.00 when the account is overdrawn for more then 20 days | 30.00 | 35.00 | 30-40 | 10.50 | Direct debit inward dishonour 40.00, outward 30.00 | 2% or 5.00, whichever is higher | 2% or 5.00, whichever is higher | 2% or 5.00, whichever is higher | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 | 0.00 | IMB | 0.00 | Yes | Visa Debit | Not available | • No fees for most everyday transactions, Monthly fee can be waived
| • Penalty fees, no interest paid
| http://www.imb.com.au/SavingsAndInvestment/Pacct.asp#EverydayunlimitedAccount | No | No | Penalties apply | Yes | Yes | Yes |
| 0 | None | 0 | NA - no ING DIRECT ATMs. Foreign operator's fee is rebated for withdrawals of at least 200.00 | Foreign operator's fee is rebated for withdrawals of at least 200.00 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | No - but customers can request online bank cheque (free) | Not available | 0.00 (expedited cheques cost 11.00) | 0.00 | | 0.00 | 0.00 | 0.00 | 0.00 | | 2.5 | 2.50 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | Foreign ATM provider's fees are refunded if withdrawal is 200.00 or more. 50 cents lodged to your account each time you withdraw 200.00 or more cash with EFTPOS. Until 15 May 2010, up to 60.00 of bonuses added to your account as you set up and use it | 0.00 | 0.00 (at a customer information centre) | None | ATM operator's fee | Only Australia Post for deposits and withdrawals | Visa Debit | Not available | • No fees for most everyday transactions, no monthly fee, no penalty fees, up to 60.00 in bonuses
| • 200 minimum withdrawal to avoid ATM fee, no cheque book (but cheques ordered online), no interest paid, no branches (Australia Post outlets can be used)
| http://ingdirect.com.au/everyday/orangeeveryday.htm | Yes | Yes | Yes | No | Yes | Yes |
| 5 | 2000 minimum balance | Obtain from branch | 2.00 after fee-free allowance (3) exceeded | As charged by ATM operator | | 0.00 | 0.00 | | 1.00 after free transactions (4) | | | 0 | 0.00 | | | | No | Not available | Not available | 40.00 | | 45.00 | 45.00 | 45.00 | 10.00 | | 2.5 | 5.00 | 0.00 | Different limits apply to different transactions | 0 | 0.00 to 5.00 | 0.00 to 5.00 | NAB and rediATMs | 1.50 after 3 free transactions used | Yes | Visa Debit | Not available | • Monthly fee can be waived
| • Everyday transactions aren't free and unlimited, high penalty fees
| http://www.laiki.com/web/w3au.nsf/WebContentDocsByID/ID-97820B2DEAB39D30CA2573390007B86D | No | No | Penalties apply | No | No | No |
| 5 | 3000 minimum balance | | 0.00 | As charged by ATM operator | 0.00 | | | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | | | | Yes | | | 40.00 | | 45.00 | 45.00 | 45.00 | 10.00 | | 2.5 | 5.00 | 0.00 | | | 0.00 to 5.00 | 0.00 to 5.00 | NAB and rediATMs, Laiki Bank | 0.00 | 0 | Visa Debit | Not available | | | http://www.laiki.com/web/w3au.nsf/WebContentDocsByID/ID-97820B2DEAB39D30CA2573390007B86D | No | No | Penalties apply | Yes | No | No |
| 0 | None | 0.25% (up to 3,000); 3.5% (over 3,000) | 1.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 1.00 for Bank@Post transactions | 1.00 for Bank@Post transactions | 0.00 at ME Bank Branch, 1.00 at Bank@Post | 0 | 1.00 after free monthly transactions (15) | 0.00 | Not available | 0.00 | Yes | 0.00 | 1.00 | 15.00 | | 25.00 | 25.00 | 25.00 | 0.00 | | NA - no overseas transactions with debit card | NA - no overseas transactions with debit card | NA - no overseas transactions with debit card | 15 free Eftpos, unlimited direct debits and credits | 0 | 0.00 | 0.00 | ME Bank, Westpac, St George or Bank SA | 1.00 | Limited number of branches, Bank@Post access | No | 80% | • No monthly fee, some everyday transactions are free, some interest paid
| • High penalty fees, 1.00 for ATM and branch transactions, debit card can't be used overseas
| http://www.mebank.com.au/personal/savings_accounts/interest_me.html | No | Yes | Penalties apply | No | No | Yes |
| 0 | None | 0.50% (up to 50,000) | 1.30, but member rewards (rebates) apply | As charged by ATM operator | 0.25, but member rewards (rebates) apply | 0.00 | 0.25, but member rewards (rebates) apply | 0 | 1.50 (Auspost 2.30) subject to reward (rebates) | 0.00 | 0.00 | 0 | 0.35 (purchase), 0.60 (puchase with cash out). Member reward (rebates) apply. | 0.00 | 0.25 (subject to member reward) | 0.00 | Yes | 7.50 (25 cheques) | 0.60 subject to reward (rebates) | 20.00 | 20.00 per transaction that takes an account more than 100.00 overdrawn. Maximum one fee applied per day | Not applicable | 30.00 | 12.00 | 9.00 | | 2 | 3.50 | 0.00 | Rewards (rebates) apply | From 3.00 to 25.00 per month depending on the value of your membership support level (deposits PLUS borrowings less overdrawn accounts) | 0.00 | 2.50 | NAB and rediATMs | 0.00 | 33 branches and Australia Post outlets | Visa Debit | 81% | • No monthly fee, fee rebates apply
| • Transaction fees apply, after fee rebates, High penalty fees, low interest paid
| http://www.mecu.com.au/Savings-and-Investments/access/Access-Account.html | No | Yes | Penalties apply | No | No | No |
| 0 | None | 0.01 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 0.00 | | 0.00 | 0.00 | 0.00 | 0.00 | | 2 | 4.00 | | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 | 1.80 (NAB accounts), 5.30 (external accounts) | NAB and rediATMs | 0.00 | Yes | Visa debit | 61% | • No monthly fee, no penalty fees, no fees for most everyday transactions
| • Fees for periodical payments arranged in branch, low interest paid
| http://www.nab.com.au/wps/wcm/connect/nab/nab/home/personal_finance/5/1/2 | Yes | Yes | Yes | Yes | Yes | Yes |
| 0 | None | 0.01 | 0.50 after free transactions | As charged by ATM operator | 0.00 (Newcastle Permanent accounts), 0.50 (drawings on other institutions) | 0.00 | 0.00 | 0 | 1.75 after free transactions | 0.00 | 0.00 | 0 | 0.50 after free transactions | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.50 | 17.50 | Fee is only charged if account remains overdrawn at the end of the month | 17.50 | 17.50 | 17.50 | 0.00 | | 2 | 5.00 | 0.00 | Minimum 6 free transactions per month, plus 2 free financial institution cheques | Bonus free transactions are available for minimum balances held and also for payments to loan accounts from these accounts | 0.00 | 0.00 | Newcastle Permanent | 0.25 after free transactions used | Limited to NSW | Visa debit | Not available | • No monthly fee, fee rebates apply
| • Penalty fees, transaction fees apply after free transactions, low interest paid
| http://www.newcastlepermanent.com.au/Personal/Transactional/StatementSavingsAccount/tabid/84/Default.aspx | No | No | Penalties apply | No | No | No |
| 5 | Minimum deposit of 500 or minimum balance of 500 | 0.05 | 0.00 | As charged by ATM operator | 0.00-0.30 (if minimum deposit or balance requirement not met, the fee is 0.30) | 0.00 | 0.00 | 0 | 1.95 | 1.25 | 1.25 | 0 | 0.00, or 0.30 if minimum deposit or balance requirement not met | 0.00 | 0.00 | 0.00 | Yes | 6.00 | 1.25 | 10.00 | Only charged once per month | 10.00 | 10.00 | 10.00 | 10.00 | Overdrawn account fee applies for account overdrawn by more than 50.00 or exceeding an approved credit limit by more than 50.00 | Not disclosed | 4.20 | 0.00 | Certain transactions are free and unlimited, others subject to a fee | 0 | 0.00 | 0.00 | NAB and rediATMs | 0.00 | Yes | Visa debit monthly fee 1.50 | Not available | • Monthly fee can be avoided, Certain transactions are free and unlimited, others subject to a fee
| • Low interest paid, penalty fees apply,Certain transactions are free and unlimited, others subject to a fee
| http://www.pncs.com.au/Accounts/Everyday-Banking/Easypay-Access-Account/index.html | No | No | Penalties apply | Yes | No | No |
| 0 | None | 0.05 | 1.00 | 0.25 plus ATM operator's fee | 1.00 (Direct Debits for CGU and Allianz insurance are free) | 0.25 | 0.00 (if set up by member via internet banking or phone banking), 1.50 (if set up by staff, external), 6.00 (for cheque) | 0 | 3.00 | 0.00 | 0.00 | 0 | 1.00 | 0.00 | 0.00 | 0.25 | Yes | 0.00 | 0.95 | 40.00 | 40.00 only charged after 20 days | 1.50-5.00 | 40.00 | 35.00 | 15.00 | Overdrawn account fee applies after account has been overdrawn for more than 20 days, and again at 51st day if still not corrected. 15.00 honour fee applies for direct debits and cheques. Periodical payment dishonour: 1.50 per retry - if insufficient funds, system charges fee and tries four more times over next four days, on the fifth attempt 5.00 is charged and payment schedules for the next due payment with member notified. | 2.5 | 4.00 | | See fee rebates | 4.00-8.00 depending on member status | 0.00 | 1.50 | NAB and rediATMs | 1.00 (not currently charged to members) | Majority in SA (41) | Visa debit | Not available | • No monthly fee, fee rebates apply, large rebates for some customers
| • High penalty fees, transaction fees apply after free transactions, low interest paid
| http://www.savingsloans.com.au/Content.aspx?p=691 | No | Yes | Penalties apply | No | No | No |
| 5 | Minimum deposit of 2000 or St George home loan repayment automatically deducted from this account | 0 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 9.00 | | 9.00 | 9.00 | 9.00 | 0.00 | | 2.5 | 5.00 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 4.00 | 4.00 | St George, BankSA, Westpac | 0.00 | Yes | Visa debit | 69% | • No fees for most everyday transactions, Monthly fee can be waived,
| • Penalty fees, customer needs to deposit 2000 per month to avoid monthly fee, no interest paid
| http://www.stgeorge.com.au/bank-accounts/internet-everyday-banking/complete-freedom-savings-account-with-visa-debit-card.asp | No | No | Penalties apply | Yes | Yes | Yes |
| 0 | None | 0 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | No | Not available | Not available | 10.00 | | 10.00 | 10.00 | 10.00 | 0.00 | | 2.5 | 5.00 per 1000.00 advanced or part thereof | 0.00 | | 0 | Not listed in PDS | Not listed in PDS | Suncorp | 0.00 | Yes | Visa debit | 70% | • No fees for most everyday transactions, no monthly fee
| • Penalty fees, no interest paid
| http://www.suncorp.com.au/suncorp/personal/everyday_banking_accounts/campaigns/everyday_basics_account.aspx | No | Yes | Penalties apply | Yes | Yes | Yes |
| 5 | Members who fall into various categories (see website www.teacherscreditunion.com.au/Accounts/Direct Charging and fee changes/Access fee exemptions.aspx ) are exempt from the monthly fee | 0.01% (up to 9,999), 0.05% (10,000-49,999), 0.10% (50,000 and over) | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 for TCU branches, 2.50 (Bank@Post) | 0.00 | 0.00 | 0 | 0.00 | 0.00 | Not available | 0.00 | Yes | 5.00 (25 cheques), 8.00 (50 cheques) | 0.00 | 10.00 | | 10.00 | 35.00 | 15.00-35.00 | 10.00 | 15.00 direct debit dishonour fee when there is insufficient funds and the request is returned unpaid. 35.00 electronic deposit dishonour if the request is returned unpaid by another financial institution. 10.00 periodical payment insufficient funds penalty charged only on the 3rd, 4th and 5th unsuccessful attempt to meet the payment. Payment cancelled on 5th unsuccessful attempt. | 2 | 4.00 | 0.00 | Unlimited transactions via: rediATM and NAB ATM withdrawals, Visa debit card EFTPOS and purchases, cash withdrawals at selected TCU offices, rediCARD EFTPOS, member cheque withdrawals, direct debit, direct credit, BPAY, periodical payment, electronic funds transfer visa, internet banking, electronic deposit, internet and phone banking | Monthly fee rebated for customers meeting criteria. Transaction fees are not rebated, but most transactions are free. | 0.00 | 4.00 | NAB and rediATMs | 0.00 | Teachers Credit Union and Bank@Post | Visa Debit | 84% | • Monthly fee waived for certain customers, many transactions are free and unlimited, others subject to a fee
| • Penalty fees, no interest paid
| http://www.teacherscreditunion.com.au/Accounts/Transaction%20accounts/Everyday%20Account.aspx?tab=Rates and fees | No | No | Penalties apply | Yes | Yes | Yes |
| 5 | 2000 minimum monthly deposit | 0 | 0.00 | As charged by ATM operator | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0 | 0.00 | 0.00 | 0.00 | 0.00 | Yes | 0.00 | 0.00 | 9.00 | | 9.00 | 9.00 | 9.00 | 0.00 | | 3.00% (outside Australia), 2.20% (in Australia) | 5.00 | 0.00 | All everyday transactions (doesn't include foreign ATMs, overseas transactions, and others - see website for details) | 0 | 0.00 to 2.50 (depending on where the payment is directed to) | 0.00 to 5.00 (depending on where the payment is directed to) | Westpac, St George, Bank SA | 0.00 | Yes | Debit Mastercard | 65% | • No fees for most everyday transactions, Monthly fee can be waived
| • Penalty fees, no interest paid
| http://westpac.com.au/personal-banking/bank-accounts/everyday-accounts/transaction-account/ | No | No | Penalties apply | Yes | Yes | Yes |