Fees and charges

Junior Access Account Amount
Minimum opening balance $10.00
Electronic transactions Free
Paper withdrawal fee $3.00 per transaction
Minimum balance fee Nil
Fee for closing account Nil
EFTPOS reject fee Nil
Account maintenance fee Free

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Fast Saver Account Amount
Minimum opening balance $10.00
Minimum balance for bonus interest to apply per month $10.00
At least one deposit amount for bonus interest to apply $10.00
Number of free withdrawals or transfers (i.e. staff assisted or self service will forego Bonus interest) 1
Number of deposits per month Unlimited
Fee when number of free withdrawals or transfers are exceeded (forego Base & Bonus Interest) $5.00 per transaction

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Progress Saver Account Details
Minimum opening balance $10.00
Number of free transactions per month 1 electronic**
Fee when number of free electronic transactions are exceeded $5.00 per transaction#
Minimum balance fee (balances below $500) Nil
Dormant account fee Nil

**Note: Electronic transactions are limited to: EFTPOS, Phone Banking or Internet banking and Local ATM transactions and international electronic transaction.
#Note: Interest is paid as long as you make no more than one withdrawal per month.

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Rural Savings Account Amount
Minimum opening balance Nil
Withdrawal fee $3.00 per transaction

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Retail Term Deposit Details
Break fee $30.00 each request
Penalty rate 50% off from the 'then' interest rate##

##The rate that would have been applicable for the duration of the term invested, at the time of the investment.

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Retail Transaction Accounts

Access Account Amount
Minimum opening balance $10.00
ANZ ATM - balance enquiry Nil
ANZ ATM - withdrawal, transfer and payment $0.30 per transaction
Non-ANZ ATM - balance enquiry $0.60 per transaction
Non-ANZ ATM - withdrawal, transfer and payment $1.00 per transaction
Electronic transactions $0.30 per transaction
Paper withdrawals $3.00 per transaction
Fee for closing account Nil
EFTPOS reject fee Nil
Dormant account fee Nil
Account maintenance fee $2.00 per month

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Access Freedom Account Amount
Minimum opening balance $10.00
Electronic transactions Free
Account maintenance fee $6.00 per month
Periodical payments fee (between ANZ accounts only) Free
Staff assisted withdrawals Free

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Access Simplicity Account* Amount
Staff assisted withdrawals $3.00 per transaction
Account maintenance fee $2.00 per month

*Account no longer available.

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High Performance Passbook Account* Amount
Number of free withdrawals Nil
Paper withdrawal fee $3.00 per transaction
Minimum balance fee Nil
Fee for closing account Nil
Dormant account fee Nil
Account maintenance fee $2.00 per month

*Account no longer available.

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Cash Management Account Amount
Minimum opening balance $250.00
Base maintenance fee $15.00 per quarter
Ledger activity including electronic transaction, each item $0.40
Collection fees on items deposited $0.40

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Rural Everyday Account Amount
Minimum opening balance $5.00
Account service fee $3.00 per month

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Senior Access Account Amount
Minimum opening balance $10.00
Electronic transactions Free
Paper withdrawals $3.00 per transaction
Fee for closing account Nil
EFTPOS reject fee Nil
Dormant account fee Nil
Account maintenance fee Free

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All fees and charges were current at time of publication, but are subject to change without prior notice with the exception of personal loan fees and charges subject to 30 days notice. You should confirm current fees and charges with your local ANZ branch, by calling 132 411 (local) or +679 3213 000 (overseas) during normal banking hours,prior to initiating a transaction or using a service in reliance upon the fees and charges as outlined here.