The Finance Algorithm
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My Community Saver

A great, high interest earning savings account that has been designed with our community conscious members in mind.

Savings & transaction accountsBank updated 23 Sept 2026

At a glance

Up to
0.77%
Bonus rate
0.77%

How it compares

This account in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.

This account: 0.77%Every other institution's highest, 50 in all

Base plus bonus, when every condition is met. One dot per institution, at its highest bonus savings rate anyone can apply for; hover or tap a dot for its name.

RateThis accountBest anywhereTypical institutionWhere it sits
Bonus savings accountBase plus bonus, when every condition is met0.77%5.75%Defence Bank Limited's iSaver5.25%of 51 institutions51st highest of 51

Rates

The one rate Dnister Bank publishes for this account.

How the rate is made up

0.77%in a month every condition is met

0.00% base rate0.77% bonus, when its conditions are met
TypeApplies toTermBandRateComparisonConditions
BonusDnister pays a contribution based on the applicable interest rate and daily balance of a My Community Saver Account. This contribution is paid into the nominated eligible community organisation's Com…---0.77%-paid every 1 yr; Dnister Benefit Contribution

Fees

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

While you hold it1

  • Dormant Account
    $35 a year

When particular things happen21

  • ATM / EFTPOS dispute
    $45
  • Bank Cheque Fee
    $12
  • BPAY Trans Investigation
    $10
  • BPAY/PP Returned Fee
    $25
  • Copy of Interest Summary
    $10
  • Copy of statement of accounts
    $6
  • Corporate Cheque Stop Request
    $12
  • Dishonour of Direct Debit
    $15
  • Dishonour of Direct Debit
    $25
  • Foreign Cash/Cheque Deposit
    $30
  • Foreign Cash/Chq/Travel Money
    $30
  • Honour Fee
    $0.10
  • Honour Fee
    $10
  • Inter Credit Union Withdrawal
    $10
  • Inward Cheque Dishonour Fee
    $20
  • Mbr Chq / PP Trace Fee
    $60
  • Member Cheque Copy Fee
    $20
  • Paper Statement Fee

    Only customers older than a minimum age receive the discount

    $4
  • Paper Statement Fee

    Only customers older than a minimum age receive the discount

    $6
  • Presented Stopped Cheque Fee
    $35
  • Thomas Cook Draft Fee
    $20

Features

Instant paymentsPayIDDigital banking

Eligibility and limits

  • Available to individuals
  • This product is only available to members who are registered for Online Banking.

Published by Dnister under the Consumer Data Right, last changed by them on 23 Sept 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.