Youth Account Comparison Table

	Zoo	Everyday Unlimited Kick Start	Reward Saver Kick Start
Interest Rates	View the latest interest rates
Features
Monthly service fee	$0	$0	$0
Criteria to waive monthly service fee	N/A	N/A	N/A
Free IMB transactions (per month)	Unlimited	Unlimited	Please refer to Member Transaction Allowance
Accessing your money
ATM
EFTPOS
BAY
Internet banking
Phone banking
VISA Debit Card*
Branch	(Passbook)
Cheque
Summary of transactions fees			Charged once your Member Transaction Allowance is exceeded
IMB ATMs	N/A	Withdrawal Free  Balance Enquiry Free	Withdrawal $0.70  Balance Enquiry $0.25
rediATMS	N/A	Withdrawal1 $1.25 Balance Enquiry $1.001	Withdrawal $1.25 Balance Enquiry $1.00
EFTPOS	N/A	Free	$0.85
BPAY®	N/A	Free	Free
Internet banking	N/A	Free	Free
Branch deposits	Free	Free	Free
Branch withdrawals	Free	Free	$2.25
Cheque	N/A	Free	$5
Additional fees
Overseas ATM withdrawal or balance enquiry	$5	$5	$5
Foreign currency conversion	$5 or 2%2	$5 or 2%2	$5 or 2%2

<sup>Things you should know
Normal account opening term & conditions apply. This table is general advice only and dose not take into account your objectives, financial situation and needs. You should consider the PDS before making a decision about these products. This table does not contain a full list of fees and charges and account terms and conditions.
*Approval criteria applies to VISA Debit Cards. ® Registered to BPAY Pty Ltd ACN 079 137 518
1. rediATM transactions fees do not apply to Everyday Unlimited Kick Start account holders residing outside postcodes 2500 – 2577 and 2571 - 2580
2. Higher amount applies.</sup>