Other Fees



ATM Withdrawal Fee (Australia and Overseas)

We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

Visa Currency Conversion

Payable when you make a purchase or obtain a cash advance (whether in foreign currency or AUD) where the merchant or their acquirer is domiciled outside Australia.

3% of the transaction amount

rediCARD Currency Conversion

You perform a transaction in a currency other than Australian dollars using a rediCARD. This fee is included in the AUD amount debited to your account and represents third party charges passed on at cost.

2% of the AUD transaction amount

Electronic Decline Fee

This fee only applies on the Bonus Savings Account

$0.50 per declined electronic transaction

Term Deposit Early Withdrawal

If you ask to withdraw part or all of your term deposit funds before the contracted maturity date, an administration fee of $20 and an interest adjustment will apply: The interest rate that applies to the amount withdrawn early will be adjusted to reflect the proportion of the contracted term elapsed.For example, if you make a withdrawal 70% of the way through your contracted term deposit, you will only receive 70% of the interest that would otherwise have been payable on the amount withdrawn. The administration fee of $20 will be deducted from the amount of interest paid to you. The combined amount of the administration fee and interest adjustment cannot be higher than the amount of interest your deposit has earned at the time of the early withdrawal. This means you’ll never end up with less than your initial deposit amount. Any funds that are not withdrawn early and remain in the account until maturity will continue at the contracted interest rate.

Calculated at the time of the withdrawal request

Arrears Fee

Payable whenever we send you a letter because you do not make a repayment in full on or before the date it is due and the default continues for three days or more.
  • Letter 1 – arrears 3 to 10 days
  • Letter 2 – arrears 11 to 18 days
  • Letter 3 – arrears 19 to 26 days
  • Letter 4 – arrears 27 days or more
First letter


Subsequent letters


Bank Cheque Fee

You request a bank cheque issued by the NAB and we collect and pay for the bank cheque on your behalf.


You request a bank cheque issued by the NAB and you collect the cheque directly from a NAB branch.


Bank@Post Cheque Dishonour

You deposit a cheque through an Australia Post Bank@Post outlet that is dishonoured by the drawer’s bank. This fee is not charged by Credit Union SA and will be passed through to you.

At cost

Member Cheque Withdrawal

A cheque you have written has been presented for clearance.

$1.50 on occurrence

Cheque Special Clearance

You request us to arrange urgent clearance of a cheque deposited to your account.


Direct Debit Dishonour

Payable when you have insufficient funds in your account at the time a direct debit is set to occur, and the direct debit is dishonoured. This is limited to one charge per day.


Dishonoured Payment

A payment of any type from your account is rejected or dishonoured due to insufficient funds in the nominated account. For scheduled transfers and payments, the fee will only be charged if there are insufficient funds for five consecutive days.


Documentation Request

You request us to provide information relating to your membership or account, including details of individual transactions and general information requests, and the request takes us more than 30 minutes to complete

$15 per 15 minutes after first 30 minutes (the first 30 minutes are free)

Dormant Account

Your membership has been inactive for a period of 24 months or more.

$10 charged each June and December

Insufficient Funds Transfer

The credit union transfers funds between your accounts to enable a personal cheque or electronic payment of any type to be honoured, or to clear account overdrawn or over limit balances.


Overdrawn or Overlimit Account

Each day that your account is overdrawn (where you have no approved credit limit) or the account is overdrawn beyond your approved credit limit and you have performed at least one debit transaction to the account or card that day.


Safe Custody

You have requested us to hold items in a safe custody packet. Note: Applicable to members who already hold a safe custody packet. This service is no longer available for new lodgements.

$20 annually on 1 April while you hold this service

Search Fee

We are required to perform a company or business name search for a non-personal account.

$20 charged at the time of request

Accounts No Longer For Sale

Different transaction fees and entitlements apply to transaction accounts that are no longer for sale. Please refer to the Deposit accounts and access services terms and conditions document for more information.

Paper statement fee

If you have not opted in for eStatements and we send a paper statements to your nominated postal address we have on record. Note: An electronic statement can be requested at any time with no fee payable.


Lost VISA Card

Payable when you have lost your VISA Card and have requested a replacement.