Commercial Overdraft

Applies in the event that we require an agent to attend a settlement or handle documentation, relating to your loan.

Applies when we are required to prepare discharge of mortgage documentation relating to a property held as security for your loan.

Applies when you switch your existing Regional Australia Bank home loan to a different loan type, other than a Partnership Advantage.

Applies when we are required to prepare mortgage documentation relating to a property offered as security for your loan.

Applies when we process a settlement relating to your loan through PEXA.

Applies when we are required to value each property offered or held as security at the commencement of your loan, and when required throughout the life of your loan.

Applies when we are required to register a discharge of mortgage relating to a property held as security for your loan.

Applies when we are required to register a mortgage relating to a property offered as security for your loan.

Applies when we are required to register a transfer of land relating to a property held as security for your loan.

Applies when you request a replacement certificate of title relating to mortgaged property that is held as security for your loan.

Applies when we are required to perform a title search relating to a property offered, or held, as security for your loan.

The Access Fee is a flat monthly fee which entitles your membership to unlimited withdrawals via EFTPOS, ATMs, Internet, Phone and Mobile Banking.

Your first 10 cheque deposits to your membership each month are free, each subsequent deposit will be charged per cheque.

Applies to each foreign cheque, whether in Australian dollars or another currency, deposited into your account.

Applies to incoming Real Time Gross Settlement (RTGS)/ Telegraphic Transfers received to your account.

Applies when you perform a deposit or withdrawal on your account through a Bank@Post outlet. This fee also applies if your transaction is declined.

Applies as a percentage of the transaction value to withdrawals and purchases made outside of Australia using your Regional Australia Bank Visa Debit or Access Card.

Applies when you purchase foreign cash from us or wish to deposit foreign cash into your account. Minimum fee of $10.00 applies.

Applies to each International Payment you perform through Internet Banking.

Applies per counter withdrawal or debit transfer once the monthly limit of 6 included withdrawals is exceeded.

Applies to Real Time Gross Settlement (RTGS)/ Telegraphic Transfers to an account within Australia.

Applies to Real Time Gross Settlement (RTGS)/ Telegraphic Transfers to an account in a foreign country in Australian dollars.

Applies to Real Time Gross Settlement (RTGS)/ Telegraphic Transfers to an account in a foreign country in the destination currency.

Applies when you order bulk cash/coin from us. Minimum Fee Amount - $10.00 Cash Handling Fee Waiver

Charged per cheque when you order a cheque book for your account.

Applies where you request a copy of: a personal cheque you have written or deposited; a Regional Australia Bank cheque; or an ANZ deposit slip. Also applies where you wish to determine if a cheque yo…

Applies to each cheque deposited to your account that is dishonoured by the drawer’s bank.

Applies where you opt to dispute or request further information from the merchant about a Visa transaction. The fee will only apply to each dispute where evidence suggests you participated in or auth…

Applies when you fail to make your contracted repayments and we are required to issue a default notice to you.

Applies where a direct debit request is rejected by us due to insufficient funds in your account.

Charged per hour, or part thereof, when you request us to retrieve historical documents related to your account.

Applies if you request a duplicate copy of a formal account statement.

Applies where you erroneously request a funds transfer to an external account and subsequently ask us to attempt to recall the transaction

Applies where you erroneously request a funds transfer to an external account and subsequently request us to check the transaction.

Applies if you request us to issue you with an emergency replacement card whilst overseas.

Applies for each bank cheque you order from us.

Applies when a foreign currency cheque or draft that has been deposited into an account has been dishonoured.

3% above standard overdraft rate or existing rate applicable to the account.

Applies when you fail to make your contracted repayments by the repayment due date.

Applies on approval of an additional borrowing against a property that we hold an existing mortgage over.

Applicable if you exceed an approved overdraft limit linked to your account.

Applies when you ask us to cancel an overseas draft.

Applies when you order a draft from us.

Applies to each personal cheque drawn from your account where there are insufficient funds in the account to cover the value of the cheque.

The initial card on each account, replacements for defective cards and automatic card renewals are free, however a fee applies for each replacement card ordered at your request.

Secure Tokens are used to authorise large transactions initiated by Internet and Mobile Banking. The initial token is free, but this fee is levied to replace each broken or lost token.

Applies where you request us to cancel a personal or Regional Australia Bank cheque drawn on your account.

Where we allow you to draw on a temporary overdraft to assist with mortgage related costs this fee will apply.

Applies where you ask us to print a listing of your transactions. A minimum fee of $2.50 applies plus $0.50 per additional 2 pages or part thereof to a maximum of $10.00.