Unicredit’s award winning, everyday transactional accounts offer convenient,
low-cost banking facilities for all Western Australians, with the personal service that only a small WA credit union can provide. Basic over-the-counter transactions are always free and you'll have free access to EFTPOS, Visa and internet banking - as well as the second largest free ATM network in Australia, the combined rediATM and NAB networks.
|
 |
Product Features |
On Call Savings |
Visa Access |
Description |
A transaction account
providing low cost banking with unlimited free transactions. |
A transaction account providing low cost banking with the additional benefit of a Visa Debit card - for international and internet purchases.
|
Minimum requirements |
Opening deposit |
No min |
No min |
Minimum withdrawal |
No min |
No min |
Accessibility |
EFTPOS & world-wide ATM cash |
Yes |
Yes |
Visa purchases |
No |
Yes |
Cheque book |
Yes |
Yes |
Direct debit facility |
Yes |
Yes |
BPAY |
Yes |
Yes |
Account transfers via: |
|
|
|
Yes |
Yes |
|
Yes |
Yes |
Interest |
Interest calculated |
Minimum monthly balance |
Minimum monthly balance |
Interest paid |
Monthly |
Monthly |
Minimum balance to earn interest |
$1 |
$1 |
Other features |
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.
All accounts are managed on one statement and internet banking login under a 'membership' number. A monthly maintenance fee of just $2 applies to memberships with transaction accounts - but even this is automatically waived if a combined account balance of $500 is maintained for the month.
Other automatic maintenance fee waives include :
- Under 18 years-old
- Over 65 years-old
- Member for 10 years or more
- University student (for the first year of membership)
:: fees and charges
On Call Savings
|
This savings account is ideal for everyday transactions and
features a Redicard for EFTPOS and Bank@Post transactions, plus world-wide ATM access.
The account comes with free branch transactions and free access to internet banking and bill payments. Your pay or other
income can be directly credited and managed across accounts. Periodical payments
and direct debits can be directly debited from your account, at no cost. |
Free Unlimited Transactions :
- Free EFTPOS cash and purchases
- Free Branch cash withdrawals and deposits
- Cheque deposits (first 10 free per month)
- Free Cheque withdrawals
- Free Direct Debits
- Free Bank@Post cash and cheque deposits
- Free Internet transfers to other banks in Australia
- Free BPay bill payments via phone or internet
PLUS: one of the largest free ATM networks in the country : RediATM and NAB ATM
www.rediATM.com.au
Visa Access
|
Visa Access provides all the advantages of Unicredit's low cost transaction account, with the additional benefit of world-wide Visa access and internet payments - all with no application or ongoing card fees.
Due to the low-fee structure of this account, an overdraft facility must be attached in most cases, and this is subject to the
standard lending terms. The overdraft facility is free to apply for and the minimum overdraft application is only $1,000. There is no penalty if you do not use this facility, but it assists Unicredit in minimising overdrawn accounts and reduces our need to apply fees. The account draws
on available funds before using the available credit facility.
:: further information on Visa Overdraft facility |
Free Unlimited Transactions :
- Free Visa purchases at merchants or over the net.
- Free EFTPOS cash and purchases
- Free branch cash withdrawals and deposits
- Cheque deposits (first 10 free per month)
- Free Cheque withdrawals
- Free Direct Debits
- Free Bank@Post cash and cheque deposits
- Free Internet transfers to other banks in Australia
- Free BPay bill payments via phone or internet
PLUS: one of the largest free ATM networks in the country : RediATM and NAB ATM
www.rediATM.com.au
PLUS: Visa Access for card payments online and over the phone, and international cash and purchases
:: Request a Savings/Transaction account be opened (for established members)
Join Unicredit today :
Call into any of our branches on University campuses or at 80 Broadway, Nedlands.
All Western Australian residents are eligible to join and apply for either card (just bring two types of ID with you)
Things you should know
Terms and Conditions apply. This information does not take into account your personal needs or financial circumstances and you should consider if it is appropriate for you. To decide if a product is right for you, Unicredit recommends you read our Information, Terms and Conditions brochure in conjunction with the Fees and Charges brochure and current interest rate information, which is available from this website and from the branches.
