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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

Relationship Balance Fee Rebate Scheme

Use Family First Credit Union for all your banking needs and be rewarded through our Relationship Balance Fee Rebate Scheme. It’s simple! We will calculate your average monthly balances across all of your accounts, review your age and length of membership, then determine the number of free transactions you are entitled to. Any transactions in excess of this calculation will be charged to your account on the last day of each month at the applicable rates.

  Additional Information
Relationship Balance Monthly Entitlement
Over $175,000
  • Unlimited Free Transactions*
$10,000 to $175,000
  • 8 Free ATM or EFTPOS
  • 4 Free Bank@PostTM
  • 3 Free Branch Cash Withdrawals/Member Cheque cashed
  • Monthly VISA Debit Card fee waived

Fee Reduction Tips

  • Utilise Direct Charge Free ATMs - 10,000 nationwide Direct Charge Fee Free ATMs including ATMs owned by the 4 major banks (CBA, Westpac, ANZ and NAB)
  • Pay for purchases using Visa Card and select “credit” button (not available at some merchants and merchant surcharges may apply)
  • Use EFTPOS to get cash out at same time as purchase
  • Make balance enquiries through Phone, Mobile and Internet Banking or our Family First app
  • Pay your Bills using BPAY via Internet, Mobile and Phone Banking or our Family First app
  • Transferring your savings and loans from other institutions and depositing your whole pay with FFCU may help you achieve more Relationship Balance fee rebates as described above

Useful Links and Tools


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

* Excludes specially requested services charges