S40 Home Equity Advantage

 General Lending Rates

 Product Features

• Additional Cards

• Bill Payment Additional Information: Pay Bills In Branch Or Via Your Digital Services Using NPP, PayID, Osko And BPAY

• Card Access Additional Information: Linked To A VISA Debit Card, With PayWave

• Digital Banking Additional Information: 24/7 Banking And Instant Access To Your Accounts Via Laptop, Tablet Or Smartphone

• Digital Wallet Additional Information: Secure Contactless Payments, With ApplePay, GooglePay And SamsungPay, With Your Phone

• Loyalty Program Additional Information: "Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking

• Npp Enabled Additional Information: "New Payments Platform (NPP)" - Making Payments Faster And Simpler

• Npp Payid Additional Information: "PayID" - An Alternative Way To Make Payments Instead Of Remembering Account Numbers

• Overdraft Additional Information: Subject To Eligibility For Credit Via Loan Application Assessment

• Unlimited Txns Additional Information: "Relationship Rewards" - Providing You The Opportunity For Fee-Free Banking

• Other Additional Information: No Penalties For Additional Repayments

• Other Additional Information: No Penalties For Early Payouts

 Product Eligibility

• Business Additional Information: Self Employed Members and Business Owners Are Eligible

• Employment Status - Full Time, Part Time, Casual Etc.. Additional Information: Employed Members Are Eligible

• Min Age - 18.

• Other Additional Information: Subject To Eligibility For Credit Via Loan Application Assessment

• Pension Recipient Additional Information: Centrelink Recipients And Self-Funded Retirees Are Eligible

• Residency Status - Australian Citizens Or Permanent Residents. Additional Information: Residents Of Australia Are Eligible

• Staff Additional Information: Staff Are Eligible

• Student Additional Information: Student Members Are Eligible

 Bank Fees and Charges

• Periodical Payment Rejection (Event), Amount: 15.00.

• Periodical Payment Alteration (Event), Amount: 5.00.

• Periodical Payment Fee (Transaction), Amount: 0.00.

• Statement Copy Fee (> 12 Months) (Event), Amount: 5.00.

• Swift Payment Deposit (Event), Amount: 35.00.

• Over The Counter Cheque Withdrawal Fee (Transaction), Amount: 0.00.

• Electronic Funds Transfer Fee (Transaction), Amount: 0.00.

• Miscellaneous Service Fee (Event), Amount: 35.00.

• Atm/pos Withdrawal (Transaction), Amount: 0.00.

• Direct Debit (Transaction), Amount: 0.00.

• Over The Counter External Transfer Fee (Event), Amount: 8.00.

• Bpay Transaction Fee (Transaction), Amount: 0.00.

• Faxed Statement/transfer Fees (Event), Amount: 10.00.

• Replacement Visa Card Fee (Event), Amount: 25.00.

• Emergency Visa Fee (Event), Amount: 50.00.

• Visa Chargback / Voucher Fee (Event), Amount: 35.00.

• Account Combination Fee (Event), Amount: 15.00.

• Visa Manual Processing Fee (Event), Amount: 20.00.

• Staff Assisted Internet Banking Transaction (Event), Amount: 5.00.

• Paper Statement Fee (Event), Amount: 0.00.

• Discharge Of Mortgage Fee (Event), Amount: 500.52.

• Lenders Mortgage Insurance (Upfront), Amount: 0.00.

• Enforcement Collection Cost (Event), Amount: 0.00.

• Valuation Fee (Upfront), Amount: 0.00.

• Solicitors Fee (Upfront), Amount: 0.00.

• Registration Fee (Upfront), Amount: 0.00.

• Agents Fee (Upfront), Amount: 0.00.

• Credit Report Fee (Upfront), Amount: 20.00.

• Overdraft Establishment Fee - Mortgage Secured (Upfront), Amount: 655.00.

• Overdraft Establishment Fee - Self Employed (Upfront), Amount: 705.00.

• Bhccu Enforcement Expense (Event), Amount: 0.00.

• Contract Variation Fee (Event), Amount: 275.00.

• Guarantee Security Fee (Event), Amount: 325.00.

• Discharge Administration Fee (Event), Amount: 250.00.

• Credit Bureau Default Listing (Event), Amount: 75.00.

• Electronic Settlement Fee (Upfront), Amount: 0.00.

• Security Handling Fee (Event), Amount: 200.00.

• Settlement Fee (Event), Amount: 150.00.

• Debt Agreement Fee (Event), Amount: 150.00.

• Overdraft Account Keeping Fee (Periodic), Amount: 7.00.

• Enforcement Expense (Event), Amount: 0.00.

 Limitations & Restrictions (Constraints)

• Min Limit of 2000.00