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Fee Free Banking

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Want to avoid paying those annoying transaction fees? At Laboratories Credit Union our members are our focus. Here's some handy tips on how you can avoid paying unnecessary fees.

Make the most of Internet Banking & Phone Banking options

You can obtain balances, transfer funds between accounts and externally, BPAY® your bills anytime through Phone and Internet banking. Transactions are fee-free.

Press "Credit"

To avoid paying fees press the “Credit*” option when using your Visa Debit Card. There is no monthly transaction limit or fees when you use the “Credit*”option. This includes payments made by payWave, Apple Pay and Google Pay.

You will only receive 10 free POS transactions if you select CHQ/SAV when you make a purchase. After 10 there is a $1.80 fee for each additional transaction.


All BPAY transactions whether by LcuDirect or via My ViewPoint are fee-free transactions.

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.

Account balances

Check your balances and making sure you have sufficient cleared funds in your account to avoid paying dishonour fees or transfer fees.

Investigate other account & loans

Check out our full range of products & services – you’ll find them extremely competitive.

*Please note that some merchants may charge their own fees or a surcharge when you choose this option.

  Additional information


If you have any questions, please contact us.

EnquireCall 02 9859 0585