Structure of Fees -Effective 01/08/2007

Visa Debit Card fee

$2.00 per card per month.

Members under 18 years of age and over 65 years of age are exempt from paying this fee.

Personal cheques

0.50c

Cost of personal cheque book

Free

Stop payment fee (where cheque is subsequently presented)

$50.00*

Bank cheques

$8.00*

Counter cheques (Circle Credit corporate cheques)

$3.00 each

Cheques that are deposited to your account and are subsequently dishonoured

$9.00*

Visa Debit Card Fees:

Purchases processed as Visa transactions incur no transaction fees. When making purchases by EFTPOS press the ‘CR’ (credit) button. You’ll know the transaction was processed as a Visa purchase if you are asked for your signature.

PIN activated EFTPOS & ATM/giroPost transactions incur the following charges:

4 FREE EFTPOS transactions per month,

then $0.50 each

4 FREE ATM/giroPost withdrawals per month,

then $1.80 each

A $2.00 declined transaction fee applies if you:

i) insert an incorrect PIN number;

ii) have insufficient funds in the SUPER S account (S6);

iii) insert incorrect information.

Please note that Visa debit card domestic transaction fees also apply overseas. Overseas financial institutions however, may charge you their own transaction fees if you withdraw funds over the counter or on their ATM network. Please check with the financial institution or merchant before making a withdrawal.

Visa cash advance

$3.00

Visa card replacement fee
Visa cards replaced for having exceeded their expiry period do not incur a replacement fee.

$3.00

Visa card replacement fee
Due to breach of Conditions of Use

$20.00

Emergency replacement of Visa card overseas

$300.00 or at cost

Visa Credit Card Fees

(S55) credit card account fee

$5.00 per month

Cash advance transaction

$3.00 each

BPAY transactions on credit card account

Free

Visa Foreign Currency Transactions

Currency conversion fee

2% of transaction value

Staff assisted member requested external transfers

$1.50 per transaction

Direct debits

40¢ each

Overdrawn account fee (per item which overdraws account or causes an overdraft to exceed its limit)

$10.00

Direct credits automatically forwarded to Circle Credit

NIL

Dishonour fees:

Dishonour of direct debit where there are insufficient available and/or cleared funds in the account

$20.00*

Quickdebit

$32.00*

Dishonour fee on personal cheques

$50.00*

Replacement of your passbook and/or member card if it has been lost, stolen or destroyed

NIL

Statement of account (original copy)

NIL

Duplicate copy of statement of account

$5.00 per page

Over the counter cash withdrawals & cash deposits

NIL

Cheque deposits

5 FREE per month then 25¢ each

International cheque deposits

up to $10.00 per cheque*

Deposits via giroPost
Cheques deposited via giroPost normally take 7 working days to clear.

NIL

PHONE LINK service (automated)

NIL (except cost of call)

NET LINK service

$1.00 per month

Transferring available funds between Circle accounts (staff assisted)

NIL

BPAY

NIL (except cost of call or internet connection)

SWIFT Funds Transfer - Irrevocable electronic funds transfer credited to a Circle Credit account

$5.50