| Service & Fee Payable |
How to Reduce/Avoid Fees |
| ATM Transactions |
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Receive 10 Free rediATM transactions every month under our Member Rewards Program. (Members without Member Rewards receive 4 free rediATM transactions every month).
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| At cost (charged by the ATM owner at the time of the transaction). |
Other institution ATM – First 4 transactions rebated at $2 per transaction – maximum rebate $8 per calendar month under our Member Rewards Program.
Make larger, infrequent withdrawals rather than several smaller ones
Combine a cash withdrawal with an EFTPOS purchase. |
| EFTPOS Transactions |
| 25 Free per month then $0.55 each additional transaction. Transactions include point of sale purchases and declined transactions. |
Member Rewards Program* entitles you to unlimited FREE EFTPOS transactions.
If you are paying for goods and have a CCU Visa Debit Card, use the Credit (CR) function (not available in Woolworths participant stores). This is considered as a Visa purchase and does not count towards your total of EFTPOS transactions. |
| Balance Enquiries at ATM's |
| At cost (charged by the ATM owner at the time of the transaction). |
Obtain your balance using Internet Banking# or Redidial Telephone Banking on on 131 728 - both services are FREE.
Unlimited Free balance enquiries at rediATM's. |
| Counter Cheques and Member Cheques |
$3.00 per counter cheque
$1.00 for each Member cheque. |
Pay your bills with BPAY either with Internet Banking# or through Redidial Telephone Banking on 131 728 - both services are FREE.
Qualify for Member Rewards and you're entitled to 6 FREE Member cheques every calendar month. |
| Funds Transfer (by facsimile) |
$3.00 Same Membership
$1.50 Across Memberships |
To transfer funds within or across Memberships, use the Redidial Telephone Banking or Internet Banking# service - both services are FREE.
Consolidate the number of memberships you have with us to save on transfer fees.
External transfers are available through Internet Banking# - this is a FREE Service. |
Visa Cash Withdrawal at Other Financial Institution
(including Overseas ATM withdrawals) |
| $3.80 per advance (includes overseas ATM withdrawals) |
The CCU Visa Credit Card is also a debit card and you can use the savings function to conduct withdrawals through ATM's and EFTPOS terminals within Australia.
Normal ATM and Eftpos fees apply.
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| Electronic Periodical Payments |
| $1.00 per external electronic periodical payment. |
Qualify for Member Rewards and you're entitled to 3 FREE Electronic Periodical Payments per month.
BPAY payments through Internet Banking# or Redidial Telephone Banking are FREE.
External periodical payments set up and maintained by yourself via Internet Banking# are FREE. |
| Over the counter withdrawals |
$2.00 per cash withdrawal under $25,000
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Member Rewards entitles you to 3 FREE counter withdrawals per calendar month (for amounts under $25,000 per transaction).
Make larger, infrequent withdrawals rather than several smaller ones.
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| $50.00 per cash withdrawal $25,000 or over |
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