home loan



Increase font size Decrease font size

Relationship Fee Rebate Scheme

Attention: open in a new window. Print

Use Family First Credit Union for all your banking needs and be rewarded by our Relationship Fee Rebate Scheme. Your monthly fees will be reduced by a Relationship Fee Rebate as detailed below.

Add up your average monthly balances - Savings Accounts, Fixed Term Deposits, Overdrafts and Loans Balances.

Relationship Balance Monthly Entitlement - Table B
Over $150,000 Unlimited Free Transactions (as shown inTable A in our Fees and Charges Brochure)
$ 50,001 to $150,000
  • 20 Free ATM or EFTPOS
  • 10 Free Direct Debit
  • 6 Free Bank@PostTM Transactions
  • 4 Free Branch Cash Withdrawals / Member Cheque cashed
  • Monthly VISA fee waived
$5,001 to $50,000
  • 8 Free ATM or EFTPOS
  • 4 Free Direct Debit
  • 6 Free Bank@PostTM Transactions
  • 4 Free Branch Cash Withdrawals/Member Cheque cashed
  • Monthly VISA fee waived
$5,000 or under
  • 4 free ATM or EFTPOS
  • 2 free Direct Debit
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 S17 accounts

Fee Reduction Tips

  • Use ATMs that are Direct Charge Fee Free which includes all ATMs owned by the major banks (CBA, NAB, ANZ and Westpac) as well as others. Please note that effective from 1 January 2019, there may be some rediATMs that impose a Direct Charge Fee. This is due to the fact that effective from 1 January 2019, Family First Credit Union has withdrawn from the rediATM Scheme as there is no longer a reason for us to participate given the major banks decision to cease charging the Direct Charge Fee when using their ATMs which occurred back in September 2017).
  • Pay for purchases using Visa Card and select 'credit' button (not available at some merchants and merchant surcharges may apply)
  • Maximise your relationship balance
  • Transact in larger balance transactions as opposed to performing frequent low value transactions eg: withdraw $200 at an ATM as opposed to withdrawing $20 on ten separate occasions
  • 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, Mobile and Phone Banking as well as our banking app
  • Combine your savings and loans from other institutions into your FFCU account

Useful Links and Tools


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