The Finance Algorithm
Central West Credit Union Ltd logoCentral West Credit Union Ltd

S1 On Call Account

Sign up to start your financial journey with Central West Credit Union with our On-Call Account, an everyday access account with the option to add a Visa debit card and Internet Banking.

Savings & transaction accountsRates on applicationBank updated 31 May 2026

At a glance

Pricing
Rates on application
Base rate
0.05%

Rates

Every rate Central West Credit Union Ltd publishes for this account, 3 in all.

TypeApplies toTermBandRateComparisonConditions
VariableA overdraft facility is allowed on this account. Debit interest is charged every month.---0.00%--
Variable--up to $5,0000.05%-paid every 1 yr
Variable--$5,000+0.05%-paid every 1 yr

Fees

11 fees published, grouped by when they're charged.

  1. When you take it out$150OVERDRAFT_ESTABLISHMENT_FEE
  2. While you hold itUp to $2.502 fees, each listed below
  3. When you close it or pay it offNo fee published

When you take it out1

  • OVERDRAFT_ESTABLISHMENT_FEE

    Only applicable when applying for an Overdraft facility

    $150

While you hold it2

  • MONTHLY_VISA_CARD_FEE

    Fee is applicable to active cards only Relationship Balance Under 16 years of age

    $2
  • PAPER_STATEMENT_FEE

    Under 16 years of age

    $2.50

When you make a transaction7

  • DECLINED_ATM/EFT_FEE

    Under 18 years of age

    $0.50
  • DIRECT_DEBIT_REJECTION_FEE
    $10
  • EFTPOS

    Discounts apply Relationship Balance Under 21 years of age

    $0.50
  • STAFF_ASSISTED_BPAY_TRANSACTION_FEE
    $1
  • STAFF_ASSISTED_DIRECT_TRANSFER_FEE

    $10 for immediate transfer

    $5
  • OVER_THE_COUNTER_CASH_WITHDRAWALS

    Discounts apply Under 18 years of age Relationship Balance

    $1.50
  • OVERDRAWN_ACCOUNT_FEE
    $10

When particular things happen1

  • DORMANT_ACCOUNT_FEE

    Charged after 2 years of inactivity

    $10

Features

Digital bankingUnlimited transactionsOverdraftApple, Samsung & Google Pay
  • Funds at Call

Eligibility and limits

  • Residency: Australian Residents only
  • Minimum age of 18 applies if applying for an overdraft

Published by Central West CUL under the Consumer Data Right, last changed by them on 31 May 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.