Other Fees

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.

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.

This fee only applies on the Bonus Savings Account

If you ask to withdraw part or all of your term deposit funds before the contracted maturity date, an administration fee of $20 and an interest adjustment will apply: The interest rate that applies to the amount withdrawn early will be adjusted to reflect the proportion of the contracted term elapsed. For example, if you make a withdrawal 70% of the way through your contracted term deposit, you will only receive 70% of the interest that would otherwise have been payable on the amount withdrawn. The administration fee of $20 will be deducted from the amount of interest paid to you. The combined amount of the administration fee and interest adjustment cannot be higher than the amount of interest your deposit has earned at the time of the early withdrawal. This means you’ll never end up with less than your initial deposit amount. Any funds that are not withdrawn early and remain in the account until maturity will continue at the contracted interest rate.

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

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.

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.

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.

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

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

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.

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.

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

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.

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

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

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

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