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Access Account

Variable Interest Rates: All Balances (p.a)

< $1,000	0%
$1,000+	0%
$2,000+	0%
$5,000+	0%
$10,000+	0%
$20,000+	0.10%
$50,000+	0.25%
$100,000+	0.25%
$250,000+	0.25%
$500,000+	0.25%

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The Access account is an everyday transaction account.

Account features:

- Earn interest on daily balances

- No account keeping fees

- Card convenience - choice of either a Community First Redicard or VISA Debit Card

- Optional overdraft facility^

- Optional personal cheque book

- Optional personal deposit book

- One simple statement for all your accounts

- BPAY facility to pay bills

- Receive free transactions based upon the combined total balances of your loans and deposits with Community First

- Free SMS and email alerts to notify you of specific transactions and balances on your account(s)

^ Subject to lending criteria

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Account Details

Account Type

Trans

Min. Opening Amount

Min. Balance

Interest

Interest Calculation Frequency

Daily

Interest Payment Frequency

Quarterly

Interest Paid In Steps?

ATM & EFTPOS Fees

ATM Withdrawal Fee

$2.00

ATM Balance Fee

$1.00

ATM Fee (Other Bank)

Daily ATM Withdrawal Limit

$1,000.00

EFTPOS Fee

$1.10

Debit Card Replacement Fee

$10.00

Fee Details

Service Fee Frequency

Monthly

Fee Rebate Available

Balance Required for Fee-Free

See website for full fees and charges www.communityfirst.com.au

Internet & Phone Fees

Phone Transaction Fee

$1.00

Internet Transaction Fee

Free Electronic Trans. per Month

Counter & Cheque Fees

Counter Deposit Fee

Counter Withdrawal Fee

$1.50

Free Counter Trans. Per Month

Cheque Fee

$3.00

Cheque Dishonour Fee

$25.00

Debit Item Dishonour Fee

$25.00

Overseas Access

Overseas ATM Facilities

Overseas ATM Balance Fee

$1.25

Overseas ATM Withdrawal Fee

$5.00

Overseas EFTPOS Fee

OS Emergency Card Replacement

$175.00

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