Transaction Account Comparison Table

	Everyday Unlimited	Everyday	Wisdom (Deeming) Account
Interest Rates	View the latest interest rates
Features
Monthly service fee	$6	$0	$0
Criteria to waive monthly service fee	Maintain Balance above $2,0001	N/A	N/A
Free IMB transactions (per month)	Unlimited	Please refer to Member Transaction Allowance	Please refer to Member Transaction Allowance
Accessing your money
ATM
EFTPOS
BAY
Internet banking
Phone banking
VISA Debit Card*
Branch
Cheque
Summary of transactions fees		Charged once your Member Transaction Allowance is exceeded	Charged once your Member Transaction Allowance is exceeded
IMB ATMs	Withdrawal Free  Balance Enquiry Free	Withdrawal $0.70  Balance Enquiry $0.25	Withdrawal Free  Balance Enquiry Free
rediATM	Withdrawal2 $1.25 Balance Enquiry2 $1.00	Withdrawal $1.25 Balance Enquiry $1.00	Withdrawal2 $1.25 Balance Enquiry2 $1.00
EFTPOS	Free	$0.85	Free
BPAY®	Free	Free	Free
Internet banking	Free	Free	Free
Branch deposits	Free	Free	Free
Branch withdrawals	Free	$2.25	Free
Cheque	Free	$5	Free
Additional fees
Overseas ATM withdrawal or balance enquiry	$5	$5	$5
Foreign currency conversion	$5 or 2%3	$5 or 2%3	$5 or 2%3

<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. If at any time during the calendar month your account balance falls below $2,000, you will be charged the monthly account keeping fee for that month.
2. rediATM transactions fees do not apply to Everyday Unlimited and Wisdom account holders residing outside postcodes 2500 – 2577 and 2571 - 2580
3. Higher amount applies.</sup>