How to avoid paying transaction fees

• Internet Banking: Obtain balances, transfer funds between accounts and externally. BPAY® your bills. All Internet transactions are fee-free.
• Phone Access: access your balances & transactions 24 x 7; transfer funds within your account and BPAY your bills.
• BPAY: All BPAY transactions whether by LcuDirect or via NetTeller are fee-free transactions.
• Visa: Use your Visa Debit Card wherever the Visa symbol is displayed. By pressing the "Credit" button and signing for the purchase, your transaction will be fee free. To avoid excess ATM fees, do not use an ATM to only get an account balance. Consider Internet or Phone Banking for balance enquiries.
• Direct Debit: As an alternative to making periodical payments, or writing cheques, pay your regular payments by direct debit. This is a fee-free transaction.
• Cash withdrawals: If you’re withdrawing cash at an ATM, think ahead and draw out enough for future needs. Likewise, when purchasing goods by EFTPOS, ask for extra cash at the same time – it will only count as one transaction.
• Account balances: Avoid paying dishonour fees, transfer fees or declined ATM fees, by making sure you have sufficient cleared funds in your account before writing a cheque or attempting a withdrawal. By making a quick call to our Telephone Banking service on (02) 9490 5100 you will be able to verify your balance/s.
• Investigate other account & loans: Check out our full range of products & services – you’ll find them extremely competitive. Consider transferring your banking business to your Credit Union, thereby increasing your opportunity to receive further free transactions.

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Questions?

If you have any questions about fee free banking, please contact us