Effective 1 September 2008
Monthly Service Fee
| This fee is charged where the total of the minimum monthly balances of your savings, loans and investments under a single membership falls below $1,000. Members under 21 years are exempt. |
$5.00 |
Cheque Deposits
| First 10 cheques deposited each month are free of charge. A charge is made for each additional cheque deposited. |
$0.40 |
Dishonour / Overdrawn / Overlimit Fees
| Overdrawn account / overlimit |
$25.00 |
| Reference fee (charged where payment of cheque / direct debit overdraws an account or o'draft limit) |
$25.00 |
| Personal cheque dishonour |
$50.00 |
| Cheque deposit (if dishonoured by receiving financial institution) |
$20.00 |
| Direct debit dishonour (inwards) |
$35.00 |
| Direct debit dishonour (if BSB 083.422 is used) |
$50.00 |
| Outward direct debit (if dishonoured by receiving financial institution) |
$35.00 |
Travellers' Cheques, Telegraphic Transfers and Foreign Currency
| Travellers cheques / foreign cash purchase – Minimum of: |
1% $AU amount or $10.00 |
| Telegraphic transfer of funds |
$30.00 |
| International bank draft |
$15.00 |
| Foreign currency cheque encashment |
Min of $10.00 up to 3 cheques
$5 each additional cheque
|
| Cash passports |
1% $AU value of purchase or reload (min charge $10.00) |
Transaction Investigation / Stop Payment
| Stop payment on a corporate cheque |
$25.00 |
| Stop payment personal cheque - no charge unless cheque presented for payment then dishonour fee. |
$50.00 |
| Replacement / additional statement |
$2.00 per statement / transaction listing |
| Card voucher retrieval (fee will not apply where there has been an error to the account) |
$30.00 per voucher |
| BPAY transaction investigation (fee will not apply where there has been an error to the account) |
$5.00 per request |
| Transaction voucher retrieval |
$60.00 pro rata per hour - $10.00 minimum charge |
| Direct Debit Cancellation |
$10.00 |
| Bpay Trace Fee / Transaction Investigation |
$10.00 |
| EFT Disputes (if not in the member's favour) |
$35.00 |
| Personal cheques traces |
$25.00 per cheque |
Miscellaneous
| Corporate cheque |
$10.00 |
| Periodic payment (by cheque to third party) |
$10.00 |
| Special clearance of cheque deposit |
$30.00 |
| Replacement of current Redicard / Visa |
$10.00 |
| Replacement of Security Token |
$10.00 |
| Cash withdrawals of amounts over $10,000 |
$10.00 plus 0.1% of cash amount |
| RedicardPlus and Visa Debit Card – conversion fee for overseas transactions |
2% of value of transaction |
| Emergency card / cash fee |
$300.00 |
| Dormant account annual fee |
$20.00 |
| Real time gross settlement |
$10.00 |
| National bank deposit transfer |
$2.50 |
| Bulk Coin |
$60.00 per hour pro rata |
| Monthly Statements (except for those required by regulation |
$2.00 per statement |
| Issue of audit confirmation certificate |
$20.00 |
| Credit Union Guarantees |
$100.00 per annum |
| Miscellaneous services provided at a member's request |
$60.00 pro rata per hour - $10 minimum charge |
Term Deposit Account
| Early redemption |
Interest rate on redeemed amount reduced by 2% |
Loan enforcement charges and overdraft fees and charges
| Honour of personal cheque, direct debit, ATM or other electronic withdrawals which would exceed an authorised credit limit. |
$25.00 |
| Dishonour on personal cheque withdrawal |
$50.00 |
| Dishonour on cheque deposit |
$20.00 |
| Loan or Continuing Credit arrears - second letter |
$30.00 |
| Loan arrears – Consumer default notice |
$30.00 |
| Annual overdraft review - Personal |
$30.00 |
| Annual overdraft review - Commercial |
$75.00 |
Any information shown on this schedule about fees and charges applicable to our loan products is indicative only. A full list of fees and charges will be disclosed in the loan offer document. The information on this schedule is subject to that offer document.
Transaction Limits
| ATM Cash withdrawals and Daily EFT Access |
Maximum daily cash withdrawal of $1,000 applies to each card (combination of EFTPOS and ATM withdrawals). |
| Internet Banking - External Transfers |
$2,000 per account per day (can be increased by agreement) |
| Loan Redraw |
Maximum daily redraw $50,000 |
Citibank MasterCard fees and charges
| Annual Account Fee |
| Silver Card with Standard Rewards |
$35 p.a. |
| Gold Card with Standard Rewards |
$75 p.a. |
| Gold Card with BlueSky Rewards |
$99 p.a. |
| Over Limit Fee |
| $40 when your account is overlimit. Charged once per month on statement date. |
| Cash Advances |
| Local |
$2.70 (or 2.70% of amount when >= $100) for each cash advance. |
| Foreign |
$5.00 for each cash advance outside Australia. |
| Over the counter payments at Australia Post |
| $2.00 per payment made over the counter at Australia Post. |
| Late Charge |
| $15 is charged if the Total Payment Due is not paid on or before the Payment Due Date on your monthly statement, and every 7 days thereafter until the Total Payment Due is paid. |
| Dishonour Fee |
| $25 for any cheque or Easi-pay authority which is not honoured in full. |
| Transaction Voucher Request Fee |
| $10 for each requested sales voucher or other transaction record. |
| Foreign Exchange Conversion Fees |
| 3.4% of the transaction value when converted into $AUD. |
Note: All fees and charges are current only at the date shown, and may be subject to change without notice.
Terms and conditions apply and are available upon application. Standard Card Services fees and charges apply. All interest rates are variable and subject to change. Approval of your application is at all times subject to Card Services credit criteria. © 2006. Card Services is a division of Citigroup Pty Limited ABN 88 004 325 080. AFSL 238098, which provides and administers credit.
© RegionalOne Credit Union Limited | ABN
25 087 651 625 | AFSL 239177 | BSB 803 021 
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