Other Fees

Fees

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Home Loans

Car and Personal Loans

Credit Cards and Overdrafts

Accounts

Foreign Currency

Other Fees

Fee

Amount

ATM Withdrawal Fee (Australia and Overseas)

We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

Visa Currency Conversion

Payable when you make a purchase or obtain a cash advance (whether in foreign currency or AUD) where the merchant or their acquirer is domiciled outside Australia.

3% of the transaction amount

Electronic Decline Fee

This fee only applies on the Bonus Savings Account

$0.50 per declined electronic transaction

Term Deposit Early Withdrawal Interest Reduction

If you withdraw part or all of your term deposit prior to the agreed maturity date, the amount of interest you would otherwise have earned on the amount withdrawn will be reduced. The amount of the interest reduction will be calculated taking into consideration the applicable interest rate, the length of time remaining on your agreed term (as a proportion of the total term) and a $20 administration fee. Please refer to the BRC 1004 Deposit Rates Fees and Charges for more information regarding the interest reduction and for an example of how it is calculated.

Calculated at the time of the withdrawal request

Arrears Fee

Payable whenever we send you a letter because you do not make a repayment in full on or before the date it is due and the default continues for three days or more.

Letter 1 – arrears 3 to 10 days
Letter 2 – arrears 11 to 18 days
Letter 3 – arrears 19 to 26 days
Letter 4 – arrears 27 days or more

First letter

Subsequent letters

$15

Bank@Post Cheque Dishonour

You deposit a cheque through an Australia Post Bank@Post outlet that is dishonoured by the drawer’s bank. This fee is not charged by Credit Union SA and will be passed through to you.

At cost

Direct Debit Dishonour

Payable when you have insufficient funds in your account at the time a Direct Debit is set to occur and the Direct Debit is dishonoured.

$10

Dishonoured Payment

A payment of any type from your account is rejected or dishonoured due to insufficient funds in the nominated account. For scheduled transfers and payments, the fee will only be charged if there are insufficient funds for five consecutive days.

Documentation Request

You request us to provide information relating to your membership or account, including details of individual transactions and general information requests, and the request takes us more than 30 minutes to complete

$15 per 15 minutes after first 30 minutes (the first 30 minutes are free)

Dormant Account

Your membership has been inactive for a period of 24 months or more.

$10 charged each June and December

Insufficient Funds Transfer

The credit union transfers funds between your accounts to enable an electronic payment of any type to be honoured, or to clear account overdrawn or over limit balances.

Overdrawn or Overlimit Account

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.

$15

Safe Custody

You have requested us to hold items in a safe custody packet. Note: Applicable to members who already hold a safe custody packet. This service is no longer available for new lodgements.

$20 annually on 1 April while you hold this service

Search Fee

We are required to perform a company or business name search for a non-personal account.

$20 charged at the time of request

Accounts No Longer For Sale

Different transaction fees and entitlements apply to transaction accounts that are no longer for sale. Please refer to the Deposit accounts and access services terms and conditions document for more information.

Paper statement fee

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.

Lost VISA Card

Payable when you have lost your VISA Card and have requested a replacement.

$10

Foreign cheque deposit

You deposit a cheque denominated in a foreign currency to your account.

$15

Foreign currency

Your purchase foreign currency from us (minimum $5) - on occurrence.

1.5%

You return or sell foreign currency to us - on occurrence.

$5 per currency