Fees, charges & access limits
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1 Fees, charges & access limits This document must be read together with the Conditions of Use brochure. Together these documents form the Conditions of Use for the Holiday Coast Credit Union Account and Access Facilities. Effective 1 September 2015
2 Holiday Coast Fees, charges & access limits Transaction Accounts Personal Transaction accounts S2 Great Day Transaction S18 Residential Overdraft S1 Basic Transaction S13 Deeming Easy S55 Great Day Deeming S10 First Start Saver Minimum Opening Balance $0 $0 $0 $0 Account Servicing Fees Monthly Account Servicing Fee per Account Type $6.00 $0 $6.00 $0 Criteria for Account Keeping Fee to be Waived Yes c - - Yes d - - Transaction Fees for these Accounts Free Transaction Allowance per Month 20 Nil 20 Unlimited Criteria to Waive Excess Transaction Fees Yes b No No No Excess Fee per Transaction, after free Allowance $1.20 $1.20 $ Free Transactions and Fees for Transactions Included in Free Transaction Allowance Free Indicates the Transaction is always Free and is not counted as a Transaction in the Free Transaction Allowance Indicates Transactions included in Free Transaction Allowance and Excess Transaction Fee applies, payable per item ATM Deposits Cash or Cheque (including Cheque items included in Deposit) Free Free Free Free Branch Counter Deposits: Cash or Cheque (including Cheque items included in Deposit) Free Free Free Free Bank@PostTM Deposits: Cash or Cheque (including Cheque items included in Deposit) Free Free Free Free EFTPOS Purchases with Cash Out Free Free Free Free Electronic Direct Credits (including Payroll Transactions) Free Free Free Free Electronic BPAY Payments Free Free Free Free Electronic External Transfers (including Periodical Payments) Free Free Free Free Electronic Internal Periodical Payment Transfers Free Free Free Free Internet, Phone & Mobile Banking Transfers and Payments Free Free Free Free Visa Purchases when Credit Option Chosen Free Free Free Free Visa Purchases using Paywave Free Free Free Free ATM Withdrawals & Transfers a Free Bank@Post Withdrawals Free EFTPOS Purchases when Cheque or Savings Option Chosen Free Direct Debits & Sweep Facility Debit Transfers Free Member Personal Chequebook Withdrawals Free Staff Assisted Withdrawals, Payments & Transfers Free Visa Retail Purchases when Cheque or Savings Option Chosen Free ATM Balance Enquiries & Declined Transactions (including International ATM Transactions) $1.50 $1.50 $1.50 $1.50 EFTPOS, Visa & Bank@Post Declined Transactions $1.50 $1.50 $1.50 $1.50 International ATM Withdrawals a - note currency conversion fee applies see Other Service Fees $4.00 $4.00 $4.00 $4.00 Visa Cash Advance $4.00 $4.00 $4.00 $4.00 National Australia Bank Deposit Facility $4.00 $4.00 $4.00 $4.00 Credit Union Corporate (Bank) Cheque (per each cheque) $8.00 $8.00 $8.00 $8.00 Cheque Deposit per Cheque Item Free Free Free Free Additional Notes Relating to these Accounts (See page 5) - - 3(S13) 3 1 a. If you use an ATM outside the RediATM Network a direct charge may also be applied by the ATM owner at the time of the transaction. b. Members with a Home Sweet Home Loan. c. Members maintain an average combined balance of $15,000 or more during the month in their Loan, Credit Card, Transaction or Savings Accounts (excluding Commercial Loan and Fixed Term Deposit Accounts). d. Member maintains an average combined balance of $5,000 or more during the month in their S55 Great Day Deeming Transaction and I55 Great Day Deeming Term Deposit Accounts.
3 Savings Accounts FTD Personal Savings and Investment accounts S3 Christmas Club S16 Great Day Bonus Saver S4 Great Day Offset S17 Percentage Plus S21/S31 i-saver Fixed Term Deposits Minimum Opening Balance $0 $0 $0 $0 $0 $1,000 Account Servicing Fees Monthly Account Servicing Fee per Account Type $0 $0 $6.00 $0 $0 $0 Criteria for Account Keeping Fee to be Waived Yes b Transaction Fees for these Accounts Free Transaction Allowance per Month 1 Debit 1 Debit Unlimited 8 Unlimited - - Criteria to Waive Excess Transaction Fees No No No No No - - Excess Fee per Transaction, after free Allowance $2.00 $ $ Free Transactions and Fees for Transactions Included in Free Transaction Allowance Free Indicates the Transaction is always Free and is not counted as a Transaction in the Free Transaction Allowance Indicates Transactions included in Free Transaction Allowance and Excess Transaction Fee applies, payable per item ATM Deposits Cash or Cheque (including Cheque items included in Deposit) Free Branch Counter Deposits: Cash or Cheque (including Cheque items included in Deposit) Free Free - - Free - - Free Bank@PostTM Deposits: Cash or Cheque (including Cheque items included in Deposit) Free Free - - Free EFTPOS Purchases with Cash Out Electronic Direct Credits (including Payroll Transactions) Free Free Free Free Free - - Electronic BPAY Payments Free Free Electronic External Transfers (including Periodical Payments) Free Free Electronic Internal Periodical Payment Transfers Internet, Phone & Mobile Banking Transfers and Payments Free Free Free Free Visa Purchases when Credit Option Chosen Visa Purchases using Paywave ATM Withdrawals & Transfers a Bank@Post Withdrawals EFTPOS Purchases when Cheque or Savings Option Chosen Direct Debits & Sweep Facility Debit Transfers Member Personal Chequebook Withdrawals Staff Assisted Withdrawals, Payments & Transfers Visa Retail Purchases when Cheque or Savings Option Chosen - - Transactions Charged per item and not included in Free Transaction Allowances ATM Balance Enquiries & Declined Transactions (including International ATM Transactions) $ $ EFTPOS, Visa & Bank@Post Declined Transactions $ $ International ATM Withdrawals a -note currency conversion fee applies see Other Service Fees $ $ Visa Cash Advance $ $ National Australia Bank Deposit Facility $ $ Credit Union Corporate (Bank) Cheque (per each cheque) $8.00 $ $ Cheque Deposit per Cheque Item Free Free Free Free Additional Notes Relating to these Accounts (See page 5) 9, ,8 a. If you use an ATM outside the RediATM Network a direct charge may be applied by the ATM owner at the time of the transaction. b. Members with an existing Home Sweet Home Loan Account with a balance greater than $0.00 at the end of the month.
4 Business Business transaction transaction accounts accounts S8 Business Access S9 Basic Business S12 Real Estate Trust S19 GST Management S24 Body Corporate S14 Community Support Minimum Opening Balance $0 $0 $0 $0 $0 $0 Account Servicing Fees Monthly Account Servicing Fee per Account Type $20.00 $0 $0 $0 $0 $0 Criteria for Account Keeping Fee to be Waived Yes b Transaction Fees for these Accounts Free Transaction Allowance per Month 30 Nil Nil 3 Debits Unlimited Unlimited Criteria to waive excess transaction fees No No No No Excess Fee per Transaction, after free Allowance $1.50 $1.50 $1.50 $ Free Transactions and Fees for Transactions Included in Free Allowance Free Indicates the Transaction is always Free and is not counted as a Transaction in the Free Transaction Allowance Indicates Transactions included in Free Transaction Allowance and Excess Transaction Fee applies, payable per item EFTPOS Purchases with Cash Out Free Free Free Electronic Direct Credits (including Payroll Transactions) Free Free Free Free Free Free Electronic BPAY Payments Free Free Free Free Free Electronic External Transfers (including Periodical Payments) Free Free Free Free Free Electronic Internal Periodical Payment Transfers Free Free Free Free Free Free Internet, Phone & Mobile Banking Transfers and Payments Free Free Free Free Free Visa Purchases when Credit Option Chosen Free Free Free Visa Purchases using Paywave Free Free Free ATM Deposits Cash or Cheque (including Cheque items - - included in Deposit) Free ATM Withdrawals & Transfers a Free Branch Counter Deposits: Cash or Cheque (cheque item fee Free may apply) Free Free Bank@PostTM Deposits: Cash or Cheque Free Free Free Bank@Post Withdrawals Free EFTPOS Purchases when Cheque or Savings Option Chosen Free Direct Debits & Sweep Facility Debit Transfers Free Free Member Personal Chequebook Withdrawals Free Free Staff Assisted Withdrawals, Payments or Transfers Free Free Visa Retail Purchases when Cheque or Savings Option - - Chosen Free Transactions Charged per item and not included in Free Transaction Allowances ATM Balance Enquiries & Declined Transactions (including International ATM Transactions) $1.50 $ $1.50 EFTPOS, Visa & Bank@Post Declined Transactions $1.50 $ $1.50 International ATM Withdrawals a - note currency conversion fee Access applies see limits Other Service Fees $4.00 $ $4.00 Visa Cash Advance $4.00 $ $4.00 National Australia Bank Deposits Facility $4.00 $4.00 $4.00 $4.00 $4.00 $4.00 Credit Union Corporate (Bank) Cheque (per each cheque) $8.00 $8.00 $8.00 $8.00 $8.00 $8.00 Cheque Deposit per Cheque Item, Free transactions per month. (Cheque s deposited to multiple accounts, fee applies $0.30 $0.30 $0.30 $0.30 Free Free to each deposit) Additional Notes Relating to these accounts a. If you use an ATM outside the RediATM Network a direct charge may be applied by the ATM owner at the time of the transaction. b. If account has an Overdraft attached.
5 Summary of Account Features & Access Facilities Summary of account features & access facilities Accounts Notes Bonus Interest Account Funds at Call Sweep Facility Available Overdraft Facility Available SMS Alerts Available Loan Offset Facility Sub Accounts Available Alternate Account Names Allowed Basic Transaction S1 - - No Yes Yes Yes Yes 50% Yes Yes Great Day Transaction S2 - - No Yes Yes Yes Yes 50% Yes Yes Christmas Club S3 9,10 Yes Yes No No Yes No No No Great Day Offset S4 - - No Yes No No Yes 100% Yes Yes Business Access S8 - - No Yes Yes Yes Yes No Yes Yes Basic Business S9 - - No Yes Yes Yes Yes No Yes Yes First Start S10 1 No Yes No No Yes No Yes Yes Real Estate Trust S12 2 No Yes No No Yes No Yes Yes Deeming Easy S13 3 No Yes Yes Yes Yes No Yes Yes Community Support S14 4 No Yes No No Yes No Yes Yes Great Day Bonus Saver S16 5 Yes Yes No No Yes No Yes Yes Percentage Plus S No Yes Yes No Yes No Yes Yes Residential Overdraft S No Yes Yes Yes Yes No Yes Yes GST Management S No Yes No Yes Yes No Yes Yes m Business account relationship transaction rebate i-saver S21 & S31 6 No Yes No No Yes No Yes Yes Body Based Corporate on the average S24 daily relationship balance held in savings, term deposits & loan accounts in the membership during the month - - No Yes No No Yes No Yes Yes Great Day Deeming S55 3 No Yes Yes Yes Yes No Yes Yes Fixed Term Deposits 7,8 No Yes No No Yes No Yes Yes 1. This account is only available to members aged under Only eligible for Real Estate Agents, this account allows the Real Estate Agency to comply with their Trust account obligations. 3. To be eligible for this account, Government pension must be credited to the account, or self-funded retiree over the age of 55 years. Interest rate aligned to Government Deeming Structure. 4. For incorporated non-profit organisations actively involved in the support of the community. 5. One free electronic withdrawal allowed per month. Additional withdrawals are allowed but fees and charges may apply: please refer to the Excess Transaction Fees applicable to this account. 6. This account can only transfer funds to and from a nominated prime account held in the same name at the Holiday Coast Credit Union or another Financial Institution via Phone or Internet Banking facilities. 7. Minimum opening deposit is $500 for First Start Account (S10) holders. 8. Funds may be withdrawn prior to maturity, however an Early Redemption Interest Adjustment and Administration Fee will apply. Interest will be paid to your nominated Holiday Coast Credit Union account. Maturity advice will be forwarded to you prior to the maturity outlining redemption or roll over options. If the member, on or before maturity, does not nominate a term, the Credit Union will automatically reinvest the principal for a similar term at the then current rate. Interest will be paid in a similar manner as last advised. 9. One free withdrawal allowed per month. Additional withdrawals are allowed but fees and charges may apply: please refer to the Excess Transaction Fees applicable to this account. 10. Access to Christmas Club accounts via Internet Banking and Phone Banking is restricted to balance enquiries and credits only. Access limits Cash Withdrawal Limitations for Access Cards & Accounts At any branch of Holiday Coast Credit Union cash withdrawal ATM / EFTPOS within Australia Visa Debit Card when Credit Option Chosen Visa Debit or Credit Card when using PayWave Withdrawal Limitations for Internet Banking Transfers to external third party account and BPAY Paymentent Daily Limit $2, unless prior arrangements are made $1, combined limit The available funds in your account $ per transaction, $ in total Transactions & Maximum of 15 Transactions per day Daily Limit $2, unless prior arrangements are made
6 Other service fees ACCESS & ACCESS CARDS Visa and/or redicard Plus replacement card (due to loss, theft or damage) Card non-collection (If you order a card and do not collect it) $10.00 per card Visa emergency card replacement overseas $ Currency Conversion Fee ATM Withdrawals & EFTPOS Purchases in foreign currency where the financial institution or merchant is located overseas. VISA voucher request (If you request a copy of a transaction voucher) 2.50% of transaction when converted to $AUD $20 per voucher CASH HANDLING FEE Coin only accepted in bagged denominations, no loose coin. (Available to Members only) Coin: $1.25 per $100 or part thereof Notes: Over $1,000 per day $2.00 per $1,000 or part thereof CHEQUES Bank Cheque Stop payment of corporate cheque if cheque returned Stop payment of corporate cheque if cheque not returned Presentation of stopped Counter Cheque (When a counter cheque that has been stopped is presented through the banking system) Stop payment of personal cheque Presentation of stopped personal cheque Personal & Business Member Cheque Books (Not applicable to S12 & S14 Accounts) Member Cheque Encashment (Where a member cheque is cashed and the presenter of the cheque is not the drawer) Member Cheque Referral and/or Transfer Fee (When you draw a cheque against your account and a staff member is required to manually override the system, have contact with you, or perform a manual transfer of funds from one account to another to facilitate payment) Special Clearance of Cheques Deposited per cheque $6.00 $21.00 $45.00 per cheque $ page: $ page: $6.00 1% of cheque minimum $5.00 $20.00 per cheque 100 page: $ page: $17.00 DEPOSIT BOOK National Australia Bank Deposit Book $3.50 per 20 page book Holiday Coast Credit Union 7 line Deposit Book $3.00 Holiday Coast Credit Union 12 line Deposit Book $5.00 DIRECT DEBITS (Additional fees may be charged if multiple dishonours occur on your account during the month) Direct Debit Referral and or Transfer Fee (When a member has a 3rd party attempt to debit their account and a staff member is required to manually override the system, have contact with the member, or perform a manual transfer of funds from one account to another to facilitate payment DISHONOURS (Additional fees may be charged if multiple dishonours occur on your account during the month) Deposited Cheque Dishonour (When a cheque is deposited in an account which is returned by the other institution unpaid) $2.00 Direct Debit Dishonours (When insufficient funds are held in the account and a 3rd party attempts to debit the account) Quick Debit Dishonours (When insufficient funds are held in an external that you have requested to funds to be debited from) Member Cheque Dishonours (When insufficient funds and/or if cheque, which has been stopped is presented through the banking system) FIXED TERM DEPOSITS Early Redemption Interest Adjustment (If you need to break the term of your FTD) Early Redemption Administration Fee A reduction in the interest rate of 50% of the existing rate
7 Other service fees (continued) FOREIGN CURRENCY Negotiate Foreign Currency Deposit (Cash or Cheques) $10.00 per item Purchase Foreign Drafts & Telegraphic Transfers (TT) $41.00 Purchase Travellers Cheques & Foreign Currency Dishonour of Foreign Currency Cheque (If you deposit a foreign cheque which is later dishonoured by the drawers bank) Stop Payment of Draft or Telegraphic Transfer (If you request a stop payment of Draft or TT) Australian $ s - 1.1% or $13.20 (whichever is greater) Foreign $ s 1.1% ($ AUD min order applies) $30.00 $30.00 (Conversion loss also applies) STATEMENTS (Statements are issued to all members Jan & July. More frequent statements are available if requested.) e-statements (electronic statements) Monthly paper statements (Great Day Deeming, First Start Saver, & Community Support Account members free) For each additional or replacement paper statement (per page) Ways to save on fees and charges Free $2.50 $ any fax/post costs For each paper list of transactions since last statement (per page) Collect at Branch $ Fax/post $2.00 SWEEP FACILITY Where Funds are automatically swept, if available, from nominated account/s to the master account when member chequing, direct debits, ATM or periodical payment transactions are processed. Facility not available on all accounts to establish an automatic sweep facility SMS BANKING SMS One Time Password Request SMS Alert Free Free VISA CHARGEBACK Visa Chargeback fee where Chargeback refused by Visa MISCELLANEOUS ITEMS Dormant Membership (If there is no member generated activity on your membership for 1 year it will be transferred to our Dormancy suspense system pending transfer to ASIC, which takes place after 3 years of member inactivity) External Charges (If the Credit Union incurs a charge from another party when acting on your behalf, such as legal fees, bank charges, courier costs Same Day Settlement System IPEX Electronic deposits, irrevocable real-time domestic and international payments Search/Retrieval or Trace of customer documents (Including Corporate Counter Cheques, Personal/Business Cheques & miscellaneous vouchers) Garnishee (If the Credit Union is obliged via an order to withdraw and remit funds held in a members account) Transfer to Dormancy Annual Fee (while in Dormancy) $10.00 Transfer to ASIC (if applicable) $25.00 Full costs passed on to member Inbound - Outbound - $30.00 Search $70.00 per hour (min $35.00) Trace $50.00 per trace (refunded where HCCU is at fault) $13.00 Audit Certificates (If the Credit Union is requested to provide an audit certificate on your behalf) $25.00 Search Company/Business Name (Required for all business member cheque facility applications) Security Token Fee (Tokens are mandatory to any Member wishing to have an external funds transfer or BPAY limit greater than $2, a day. Members with standard daily limits may request a Token for additional security) Unauthorised Overdrawn Account (If your account becomes overdrawn or exceeds its overdraft limit) $36.00 $25.00 per token (for new & replacement tokens) Debit interest of 18.5% pa, or the rate applicable if an existing limit is in place, is charged for each day the account remains overdrawn
8 savings It s a happy day for your savings You understand how important it is to keep your money working hard at all times. That is why we have a great range of savings accounts to help you achieve all your financial goals. Our accounts combine competitive rates and low fees with security, membership privileges and innovative technology. loans Personalised to your needs to unlock your dreams A loan, can be a very personal thing. It can also help you find your way home or be the foundation that allows your business to fly. It s just a matter of finding the right loan. At Holiday Coast we help turn your dreams into reality, which is why we have established a great range of loans to cover every possibility. So, whether you re single and can t wait to get your first car, a couple dreaming of their own home, va family thinking of purchasing an investment property or an entrepreneur ready to take their business to the world, we have a personalised loan for you. investments Rock-solid since 1967 and so are your investments If you have a longer-term investment horizon for some of your hard earned savings, Holiday Coast Credit Union has a number of investment options to meet your investment needs. Depending on how long you want to invest for and the amount you have to invest, Holiday Coast Credit Union can provide an investment solution for you with regular money to live on income payments from the investment. This document must be read together with the Holiday Coast Credit Union Conditions of Use (COU) document forming the Conditions of Use of Holiday Coast Credit Union Account and Access Facilities. COU applies and is available at branches, service centres, calling or online at Information in this document does not take into account your personal needs and financial circumstances. Before making a decision about any of the products and services we offer you should read the COU and our Financial Services Guide (FSG) in considering if this product is right for you. Registered to BPAY Pty Ltd ABN Holiday Coast Credit Union Ltd ABN AFSL is the issuer of this non-cash payment facility/s and the accounts on which it may be used. Bank@Post and its associated device marks are trademarks (registered or otherwise) of the Australian Postal Corporation (ABN ) all rights reserved. The information in this brochure is correct at time of printing and subject to change. Member Contact Centre Internet Banking - Online Banking Service - Telephone Banking - Automated Phone Banking Service Branch Network - We have an extensive network of Branches and Service Centres from Coffs Harbour to Maitland plus access at Bank@Post facilities Australia wide hccu.com.au /holidaycoastcreditunion Holiday Coast Credit Union Ltd. ABN AFSL and Australian Credit Licence Registered Office: 1 Commerce Street Wauchope NSW.
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