| Key Features | Ordinary Savings Account | Budget Account |
Christmas Club Account |
Community Care Account | Blue Ribbon Deeming Account | Cash Management Account | Family e-Saver Account | Super Saver Teen Saver |
Fixed Term Deposit Accounts |
| Availablity of funds | At Call | At Call | See Note 1 |
At Call
|
At Call | At Call | At Call | At Call | See Note 2 |
| Minimum to open | $1 | $1 | $1 | $1 | $1 | $1 | $2000 (See note 4 and 5) | $1 | $1,000 |
|
Interest income |
Type A | No Interest | Type D | Type C | Type B | Type C (See note 4) | Type F | Type A(See note 3) | Type E |
| Sub-account available |
Yes | Yes | Yes | Yes (max 2) | Yes | Yes | No | No | n/a |
| Access Methods | |||||||||
| Branch Transactions | Yes | Yes | Yes (See Note 1) | Yes | Yes | Yes | No* | Yes | Yes |
| ATM/EFTPOS | Yes | No | No | Yes | Yes | Yes | No | Yes | No |
| Bank@Post | Yes | No | Yes (See Note 1) | Yes | Yes | Yes | No | Teen Account only | No |
| 'Phone-Access' Phone Access | Yes | Yes | Yes (See Note 1) | Yes | Yes | Yes | Yes | Teen Account only | No |
| Internet Banking | Yes | Yes | Yes (See Note 1) | Yes | Yes | Yes | Yes | Teen Account only | No |
| BPAY | Yes | Yes | Yes (See Note 1) | Yes | Yes | Yes | Yes | Teen Account only | No |
| Personal cheque facility | Yes | Yes | No | Yes | Yes | Yes | No | No | No |
| Direct credits/debits | Yes | Yes | Yes (credits only) | Yes | Yes | Yes | Yes (credits only) | Yes* (*Debits not available on Super Saver) | No |
Interest calculations and when interest is credited
Type A: calculated on minimum monthly balance, credited quarterly (end March, June, September & December).
Type B: calculated on daily balances on the portion of balance within tiered rates, credited quarterly (end March, June, September and December).
Type C: calculated on daily balances on the whole balance at tiered rates,credited quarterly (end March, June, September & December).
Type D: calculated on minimum monthly balances credited June 30 and October 31.
Type E: calculated on daily balance, credited at maturity to your Fixed Term Deposit or credited weekly/fortnightly/monthly or on maturity to nominated account.
Type F: Tiered Interest, calculated daily, paid monthly.
Notes
1. Withdrawal period between 1 November and 31 January. We may allow early withdrawals at our discretion eg, in cases of hardship.
2. Withdrawable at maturity. We may allow early withdrawals at our discretion eg, in cases of hardship or special need. We may also reduce the interest to the rate applicable to our Ordinary Savings account.
3. Tiered interest. (Refer to our Super Saver Brochure BRO-16 OR Teen Saver Brochure BRO-15).
4. No interest is accrued when balance is below $2000
5. Minimum ongoing balance of $2000
* Staff processed manual transfers attract a $15 service fee (exception applies for initial deposit or in the case of internet/phone banking failure).