The Finance Algorithm
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CHOICE ACCOUNT

CHOICE ACCOUNT

Savings & transaction accountsBank updated 17 Apr 2026

At a glance

Pricing
Rates on application

Fees

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

While you hold it2

  • MEMBERSHIP_FEE

    Charged when becoming a customer of WCU

    $5
  • STATEMENT_FEE

    When paper statements are requested - charged on statement cycle

    $2

When you make a transaction9

  • CHEQUE_BOOK_ISSUE_100_CHQS

    Fee payable every time a cheque book is supplied to a customer

    $32
  • CHEQUE_BOOK_ISSUE_200_CHQS

    Fee payable every time a cheque book is supplied to a customer

    $65
  • CHEQUE_BOOK_ISSUE_25_CHQS

    Fee payable every time a cheque book is supplied to a customer.

    $8.25
  • ENCODED_DEPOSIT_BOOK_ISSUED

    Fee payable ever time an encoded deposit book has been issued to a customer

    $3
  • ATM_TRANSACTION_FEE_OTHER_ATM_WITHDRAWALS

    ATM Fees are debited to the account with which the card is linked as part of end of day processing

    $1.50
  • EXCESS_DRAWINGS_FEE

    When funds are transferred to cover drawings without customer established instructions

    $5
  • OVERSEAS_TRANSACTION_FEE

    Fee applied by WCU when a withdrawal is made at an ATM overseas (including VISA access card cash advances)

    $4
  • PERIODIC_PAYMENT_FEE_BRANCH_ACTIONED

    Transfers to a non-WCU Account. WCU to WCU are free

    $6.50
  • PHONE_ASSISTED_TRANSFERS

    Only charged when staff assistance is required to transfer funds over the phone

    $2.50

When particular things happen2

  • ATM_TRANSACTION_FEE_BALANCE_ENQUIRY

    ATM Fees are debited to the account with which the card is linked as part of end of day processing

    $1.50
  • VISA_DEBIT_CARD_REPLACEMENT

    Charged unless proven compromised or stolen

    $12

Features

Offset accountInstant paymentsPayIDDigital bankingApple Pay and Google Pay
  • Personal Cheque Facility

Eligibility and limits

  • Residency: Individuals must be citizens or permanaent residents of Australia
  • Choice Account to be opened to enable Offset Account to be set up
  • Must be a member of the Credit Union

Published by Darling Downs Bank under the Consumer Data Right, last changed by them on 17 Apr 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.