Product Features At-A-Glance	On Call Savings	Visa Access
Description	An everyday transaction account offering convenient, 24 hour access to your funds.	An everyday transactional account linked to an overdraft credit facility* with the use of a Visa Debit Card, giving you access to your funds worldwide.
Minimum requirements
Opening deposit	No min	No min
Minimum withdrawal	No min	No min
Accessibility
Redicard	Yes	No
Visa Debit Card	No	Yes
Cheque book	Yes	Yes
Direct debit facility	Yes	Yes
BPAY	Yes	Yes
Account transfers via:
Uniteller	Yes	Yes
Telephone banking	Yes	Yes
Interest
Interest calculated	Minimum monthly balance	Minimum monthly balance
Interest paid	Monthly	Monthly
Minimum balance to earn interest	$1	$1
Other features
Optional overdraft facility available	Yes *	Yes *
Funds available at call	Yes	Yes
Withdrawal restrictions	No	No
Quarterly statement (issued monthly if overdraft facility attached).	Yes	Yes

* Note: Approval of the overdraft credit facility is subject to the standard lending terms and conditions.

On Call Savings

This savings account is ideal for everyday transactional use and features a Redicard for ATM, EFTPOS and Bank@Post transactions, access to BPAY through telephone and internet banking services, plus a cheque book facility if required (government taxes apply).

Your pay or other income can be directly credited to your account and periodical payments and direct debits can be directly debited from your account.

Visa Access

This everyday transactional account is linked to an overdraft credit facility with the use of a Visa Debit Card, giving you access to your funds at ATM’s worldwide. Plus you can avoid transaction fees by using the ‘credit’ option for EFT purchases and bill payments. Approval of the overdraft credit facility is subject to the standard lending terms and conditions.

You can transfer money and check balances using telephone and internet banking. The account draws on available funds before using the available credit facility with payments to the account paying any outstanding debit balance before contributing to the credit balance.

Ask Unicredit about –

Payroll deductions

Your pay can be automatically deposited to your Unicredit account, and split between your transactional, special savings or loan accounts. This makes budgeting easier and simplifies meeting loan repayments – plus you can save on transaction fees.

Direct Debits

Use this facility to have funds, such as payments for your car or home insurance, debited regularly from your account by another organisation. Simply contact the third party with Unicredit’s BSB number (806036) and your account number to authorise the direct debit payments.

Further product information –

• Fees and charges
• Interest rates