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Fees & Charges

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Below you will find information on the fees and charges applicable to Family First’s products and services. A proportion of these fees are payable to third parties. Family First’s policy is to adopt a system of rewarding members based on their level of commitment to Family First Credit Union.

Download a full list of our current Fees and Charges

Acrobat Logo Fees and Charges

Your Relationship Rewarded

Do you want to save money on fees? At Family First you can. If you use Family First Credit Union for all your banking needs you can save on fees through our Relationship Fee Reward Scheme. As a thank you for supporting your credit union through investing, saving and borrowing, Family First rewards you by adding your average monthly balances across all accounts (Savings, Fixed Terms, Overdrafts and Loans) to give you reduced fees. 

  Additional Information
Relationship Balance Monthly Entitlement
Any Balance 
  • 8 Free ATM or EFTPOS if aged 25 or under plus another 8 if membership 20 years or more
  • 4 Free Branch cash Withdrawals if aged under 18 or over 65
  • Free Branch Cheques if under 18 or over 65
  • VISA Fee waived for Teen Saver accounts
$5,000 or under
  • 4 free ATM or EFTPOS transactions
  • 2 free Direct Debit transactions
$5,001 to $50,000
  • 8 Free ATM or EFTPOS transactions
  • 4 Free Direct Debit transactions
  • 6 Free Bank@PostTM transactions
  • 4 Free Branch Cash Withdrawals/Member Cheque cashed
  • Monthly VISA fee waived
$50,001 to $150,000
  • 20 Free ATM or EFTPOS transactions
  • 10 Free Direct Debit transactions
  • 6 Free Bank@PostTM transactions
  • 4 Free Branch Cash Withdrawals / Member Cheque cashed
  • Monthly VISA fee waived
Over $150,000 Unlimited Free Transactions. i.e.
  • Branch cash deposits (bulk coin fee applies)
  • Cheque deposits to Loans and Christmas Club Accounts
  • Bank@Post deposits to Loans and Christmas Club Accounts
  • Electronic credits - Payroll, Centrelink, etc.
  • Periodic payments and transfers with Family First
  • Internet transactions within Family First
  • Phone Access transfers within your account
  • BPAY
  • Direct debits to Allianz - Westfund - Zurich Insurance, CUNA Mutual Insurance
  • Presented Member Cheque

Reduce your fees further

Want to reduce your fees by even more. Follow these handy tips.

  • Use only ATMs in the rediATM scheme to avoid other ATM owner charges
  • Pay for purchases using Visa Card and select 'credit' button1
  • Use EFTPOS to get cash out at same time as purchase
  • Make balance enquiries through Phone Banking or Internet Banking
  • Pay your Bills using BPAY via Internet or Phone Banking
  • Combine your savings and loans from other institutions into your Family FIrst Credit Union account

Useful Links and Tools


If you have any questions, please contact us. enquire now

1. Not available at some merchants and merchant surcharges may apply.