Business Fees and Charges

Size: px

Start display at page:

Download "Business Fees and Charges"

George Nickolas Singleton
5 years ago
Views:

1 Business Fees nd Chrges 21 August

2 COVER IMAGE: Drren Rpid Auto Locl Business Member Goulburn

3 Fee Summry Tble Everydy Trnsction Account Everydy Business (S90) Monthly Service Fee Trnsction Fees rediatm Non-rediATM withdrwl or blnce enquiry 5 Brnch withdrwls Csh / Cheque Deposits Direct Debits/ Credits Member Cheque withdrwls EFTPOS Internet/Phone Bnking Vis Debit $12 No Service Fee pplies if no withdrwls re mde during the month. 20 free withdrwls per month, then 3,4 $0.60 per withdrwl. 1,2,4 NOTES 1 The Monthly Service Fee will only be chrged once per month regrdless of the number of S90 ccounts held within the membership. 2 Monthly Service Fees re wived for Community nd Apprentice Memberships. 3 Trnsction Fees re lso pplicble to Community Memberships. 4 Monthly Service Fees nd Trnsction Fees re wived if your Membership hs $100,000 or more minimum monthly combined vlue of deposits nd lons with BDCU Allince Bnk. 5 You my be chrged by the ATM owner when you use non-rediatm. Generl fees & chrges my pply to these ccounts (refer pges 5-6). 1 3

4 Fee Summry Tble Svings Accounts Business Sver (S87) My Community (S50) Trnsction Fees First 3 withdrwls per month free, then $3 per withdrwl 1 Nil rediatm n/ n/ Non-rediATM withdrwl or blnce n/ n/ enquiry 2 Brnch withdrwls Csh/Cheque Deposits $15 ech 1 $15 ech 1 Direct Credits unlimited unlimited Direct Debits n/ unlimited Member Cheque withdrwls n/ n/ EFTPOS n/ n/ Internet/ Phone Bnking unlimited Vis Debit n/ n/ NOTES 1 Trnsction Fees re lso pplicble to Community Memberships. 2 You my be chrged by the ATM owner when you use non-rediatm. Generl fees & chrges my pply to these ccounts (refer pges 5-6). 4

5 Generl Fees & Chrges Agency withdrwl 5 $15 ech All Non-rediATM Trnsctions Withdrwls nd enquiries t non-rediatms will incur Direct Chrge from the finncil institution tht owns the ATM. This fee will be immeditely chrged to your ccount t the time of trnsction by tht institution. Audit Request $60 p/hour (Minimum $30) Bnk Cheque (NAB endorsed) $12 ech BDCU Allince Bnk Counter Cheque $10 ech Certificte of Blnce $30 Club Clssic Membership $3 per month Coin Provision to Non-Members (per exchnge) $15 Copy of Cheque $20 Copy of Deposit / Withdrwl (per voucher) $5 Counter Trnsction Sttements Counter Trnsction Sttements vi emil/mil Dormncy (when no trnsctions mde on ccount for one yer or longer) Pss Books $2.50 $3.00 $10 p.. $3 ech Performnce Gurntee Estblishment Fee $250 Performnce Gurntee Fee Percentge chrged qurterly in rrers. Minimum qurterly fee Redicrd Replcement Fee $5 Retrievl of Informtion (BDCU Allince Bnk reserves the right for full cost recovery where rchivl informtion is requested) Security Token Replcement Fee Pyble for lost, stolen or dmged tokens SMS Alert Fee Usge fee per SMS for ll SMS lert services Specil Clernce (of cheque deposited to your ccount) Stop Pyment Member cheque (if presented) Bpy/Direct Entry, BDCU Allince Bnk Counter cheque (lost or stolen) SWIFT Pyment Inwrd to BDCU Allince Bnk Outwrd to other bnking institution Recll of Funds 1.5% p.. $50 $60 p/hour (Minimum $30) $20 $0.25 $20 $15 $7.50 $20 $60 p/hour (Minimum $30) Csh/Cheque Delivery or Collection Per Delivery, By Negotition

6 Generl Fees & Chrges (cont d) Deposit Bgs - Per pcket of 50 bgs - $60 Armgurd Delivery or Collection Per Delivery, By Negotition Vis Fees Vis Credit Annul Fee (per crd) $45 Vis Crd Overses Replcement $300 Vis Voucher Retrievl Vis Lte Pyment Fee $25 Vis Crd Replcement within Austrli $10 Chrge Bck of Vis Trnsction $25 Emergency Vis Crd Replcement within Austrli Provide Emergency Vis Crd or Csh Overses Request for Emergency Vis Crd or Csh Overses Declined or Cncelled 6 $60 p/hour (Minimum $30) $20 USD175 USD50 Vis Foreign Trnsction Fee 3% of the Austrlin dollr vlue of the trnsction for csh withdrwls nd purchses mde in currencies other thn Austrlin dollrs. Interntionl ATM fee $5 Exception Fees & Chrges Direct Debit Dishonour $20 Dishonoured Cheque $20 Lon Lte Pyment Fee $25 Lon Arrers Letter $20 Lon Defult Notice Fee $20 Quick Debit Dishonour $25 Referrl Fee (when ccount is overdrwn nd must be referred for pprovl) $20 Third Prty Costs These include, but re not limited to, solicitors fees, vluers nd gents fees, government chrges including stmp duty, GST, registrtion, serch, nd ny other fees we incur. These re pssed on t cost. Government Chrges Stte nd Federl Government txes nd chrges my pply to ny ccount held by ny member of BDCU Allince Bnk.

7 Lon Fees nd Chrges 3 Mortgge Secured Lon Estblishment/ Additionl Advnce Fee Other Fees $650 1 $8 monthly lon fee Esy Access Lon $750 1 $80 nnul review fee Quick Strt Home Lon $650 1 $8 monthly lon fee Personl Lon Unsecured $250 $8 monthly lon fee Personl Lon Secured $250 $8 monthly lon fee Personl Overdrft $250 $80 nnul review fee Temporry Overdrft Term Deposit PersonlSMART Pckge HomeSMART Pckge BDCU Locl Business Solutions - Term Lon Reduction of interest $50 4 pyble on funds withdrwn fter 31 dys Nil Nil 2 Up to $25,000 $350 $25,000 $49,999 $500 $50, % of lon mount or $750 whichever is the greter $180 nnul pckge fee $395 nnul pckge fee $8 monthly lon fee BDCU Locl Business Solutions - Overdrft BDCU Locl Business Solutions - Fixed Lon Up to $25,000 $350 $25,000 $49,999 $500 $50, % of lon mount or $750 whichever is the greter $100,000 $150,000 $750 $150, % of lon mount $200 nnul review fee $8 monthly lon fee NOTES 1 Estblishment fee (mortgge lons) includes stndrd mortgge preprtion costs $260 nd one stndrd vlution cost $220. Additionl solicitors nd vluers costs pply for non-stndrd or multiple properties. 2 Does not include solicitors nd stndrd vlution fees. 3 BDCU employees re credit representtives of Bendigo Bnk. 4 Applies where you require funds from term deposit prior to mturity nd where you re required to give up to 31 dys notice. 7

8 Generl Lon Fees Brek Cost Administrtion $50 Consent to Subdivision Fee $150 Dischrge of Mortgge Administrtion Fee Pyble to BDCU Allince Bnk on request $300 to dischrge Mortgge. Fixed Rte Brek Fee Formul vilble on request. Generl Consent Fee Pyble to BDCU Allince Bnk for consent to $100 ny mtter relting to lon or security other thn mtter for which specific fee is pyble. Hndling Fee $35 Performnce Gurntee Estblishment Fee $250 Performnce Gurntee Fee Percentge chrged qurterly in rrers - 1.5%p.. minimum qurterly fee is $50. Production of Title Deed Pyble when BDCU Allince Bnk is sked to $100 produce Certificte of Title t the Lnd Titles Office on our members behlf. Rte Lock Fee 0.15% of lon mount or $600 whichever is higher. Redrw Fee $50 Only pplies to QuickStrt Home Lon. Second Mortgge Consent Fee $150 Settlement Fee $150 Substitution of Security Fee 50% of pplicble lon estblishment fee, when BDCU Allince Bnk is sked to substitute n existing security with new security on your lon. Switching Fee Between nominted lon types. Equivlent to Estblishment Fee pplicble to the new lon type. 8

9 Disclosure Documents To get full picture of the trnsction nd svings products vilble t BDCU Allince Bnk, we encourge you to red the informtion brochures in the tble below. This brochure, long with the following documents, forms the disclosure documenttion for ech of these listed products. These documents re vilble t ny Advice Centre nd online t bdcullincebnk.com.u You will be provided with these documents before cquiring ny of these products nd services. Product Fct Sheet Interest Rte Schedule Terms nd conditions Trnsction nd Svings ccounts Interest Rtes for Svings Accounts & Term Deposits Opertion of Accounts nd Access Fcilities Non-csh pyment products Opertion of Accounts nd Access Fcilities Term deposits Interest Rtes for Svings Accounts & Term Deposits Opertion of Accounts nd Access Fcilities Vis Debit Crd redicard Included in the Non-csh Pyment Products Fct Sheet Included in the Non-csh Pyment Products Fct Sheet Vis Crd Conditions of Use & Opertion of Accounts nd Access Fcilities redicrd Conditions of Use & Opertion of Accounts nd Access Fcilities 9

10 This pge is delibertely left blnk 10

11 This pge is delibertely left blnk 11

12 v25 Advice Centres Bowrl: 411 Bong Bong St Moss Vle: Clrence St Mittgong: Highlnds Mrketplce Hume Highwy Hill Top: 2/17 West Pde Goulburn: Auburn St Opening Hours Mon Fri 9.00m 5.00pm Hill Top: Mon Fri 12.30pm pm Internet bnking pods nd childrens ply ctivities vilble in most Advice Centres. For more informtion cll (02) or visit bdcullincebnk.com.u The Legl Stuff This brochure is correct t 21 August 2017 nd ll Fees nd Chrges listed (the Described Fees ) re subject to chnge. Contents of the brochure forms prt of the Terms nd Conditions for ll svings ccounts, investment ccounts, pyment services, cheque ccounts, overdrft fcilities, nd other services tht re not regulted by the Ntionl Credit Code (NCC). This notice does not exclude ny representtions, wrrnties or consumer protection provisions tht cn t be excluded by lw. BDCU Limited ACN (BDCU) is n gent of Bendigo nd Adelide Bnk Limited (Bendigo Bnk) ACN AFSL/ Austrlin Credit Licence in the distribution of BDCU Allince Bnk brnded products nd services. BDCU Allince Bnk is trde mrk of Bendigo Bnk. 12

Features. This document is part of the Terms and Conditions for Personal Bank Accounts Barolin St, PO Box 1063 Bundaberg Queensland 4670

Features. This document is part of the Terms and Conditions for Personal Bank Accounts Barolin St, PO Box 1063 Bundaberg Queensland 4670 S This document is prt of the Terms nd Conditions for Personl Bnk Accounts Issued by Auswide Bnk Ltd ABN 40 087 652 060/Austrlin Finncil Services & Austrlin Credit Licence 239686 Effective from June 4