Internet Banking | BSB: 803 152

Fees & Charges

Effective 1/2/14

 

Click on the product name below to view current fees.

 

General Fees

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 $10.00 per cheque
Deposits via Bank@Post
Cheques deposited via Bank@Post normally take 7 working days to clear.
$1.50
PHONE LINK service (automated) NIL (except cost of call)
NET LINK service $2.00 per month
Transferring available funds between CIRCLE accounts (staff assisted) NIL
BPAY NIL (except cost of call or internet connection)
Administration fee
(average monthly balance < $500)
$3.00 per month
Dormant Account Fee (per annum) $20.00

 

Cheques

Personal cheques 0.50c
Cost of personal cheque book Free
Stop payment fee $7.00
Bank cheques $12.00
CIRCLE corporate cheques $5.00
Cheques that are deposited to your account and are subsequently dishonoured $9.00*

 

Visa Debit Card

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.

 

Purchases processed as Visa transactions incur no transaction fees. When making purchases by EFTPOS, press the ‘CR’ (credit) button.

 

PIN activated EFTPOS & ATM/Bank@Post transactions incur the following charges:

 

6 FREE EFTPOS transactions per month, then $0.80 each
Bank@Post withdrawals $1.50 each
rediATM Transactions (Unlimited) FREE
Declined Transaction Fee $1.00

 

Effective 3rd March 2009 any ATM transaction completed outside of the rediATM network will incur the cost as outlined by the ATM owner at point of transaction. This is not a CIRCLE fee. To avoid these ATM fees, CIRCLE encourages Members to transact using the rediATM network.

 

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.
$7.00
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

(S55) credit card account fee $5.00 per month
Cash advance transaction $3.00 each
BPAY transactions on credit card account Free
Declined Transaction Fee $1.00

 

Visa Foreign Currency Transactions

Currency conversion fee

2% of transaction value

Staff assisted member requested external transfers (Amount under $5,000) $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 NIL

 

Dishonour Fees

Dishonour of direct debit where there are insufficient available and/or cleared funds in the account $7.00*
Quickdebit $32.00*
Dishonour fee on personal cheques $7.00*

 

* Note - included are CIRCLE bankers’ fees that are passed onto members. They may be subject to change without prior notification.

 

IPEX Funds Transfer - Irrevocable electronic funds transfer

Domestic Fee:
Credit Account $8.00
Debit Account $15.00
International Fee:
Credit Account: $8.00
Debit Account: $22.00

 

  • Call Us:
  • Phone Banking 1300 553 571
  • Lost/stolen Cards 1800 648 027
  • Member Service 1300 553 582