The Finance Algorithm
Fire Service Credit Union logoFire Service Credit Union

S1 On Call Savings

An everyday transaction account that gives you easy access to your money.

Savings & transaction accountsBank updated 28 Oct 2026
Apply at Fire Service Credit Union ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Base rate
0.05%

Rates

The one rate Fire Service Credit Union publishes for this account.

TypeApplies toTermBandRateComparisonConditions
Variable---0.05%-paid every 1 yr

Fees

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

When you make a transaction1

  • Corporate Cheque Withdrawal Fee

    Corporate Cheque withdrawal, per cheque

    $10

When particular things happen20

  • Annual Service Fee
    Varies
  • Branch Cash Withdrawals 1st Tier

    $2,000 - $14,999 Cash withdrawal fees do not apply to members with a FSCU Home Loan or Retiree Access account

    $3
  • Branch Cash Withdrawals 2nd Tier

    $15,000 and over Cash withdrawal fees do not apply to members with a FSCU Home Loan or Retiree Access account

    $20
  • Corporate Cheque Stop Payment Fee
    $5
  • Direct Debit Dishonour Fee

    Payable whenever we dishonour a direct debit on your account due to insufficient funds.

    $10
  • Direct Debit Honour Fee

    Payable when we honour a direct debit on your account despite insufficient funds

    $5
  • Document Search Fee

    Payable when we have to search for documents or information in storage.

    $5
  • Dormant Account Fee

    Payable whenever there has been no transaction other than interest on your membership for a period of 12 months

    $20
  • Manual 'Other Bank' Deposits

    Payable whenever a deposit is processed manually through another Financial Institution

    $10
  • Overdrawn Account fee

    Payable whenever we send you a notice because your savings account is overdrawn with no pre-approved limit or your overdraft is over the approved limit

    $10
  • Payment Corrections

    Payable per manual DE Trace, BPAY enquiry, BPAY error correction or Mistaken Internet Payment

    $30
  • Periodical Payment Fee

    There are insufficient funds in your account, on four successive days, to make a requested payment. There are insufficient funds for any future dated BPAY payments.

    $5
  • Real Time Gross Settlement Inward Payment
    $15
  • Real Time Gross Settlement Outward Payment
    $30
  • Replacement PIN Fee

    We reorder and post a PIN to replace a forgotten PIN.

    $5
  • Replacement Statement Fee

    Payable when you request a copy of a statement that has already been issued

    $2
  • Second Visa Debit Card

    A second card is ordered on a membership

    $50
  • Staff Assisted External Transfer

    Staff assisted transfers, per transaction

    $2
  • Visa Chargeback

    We charge back a merchant for a Visa Transaction, on your behalf. A Visa Chargeback is represented and, at your request, the associated dispute is escalated for Visa Arbitration and/or compliace revi…

    $30
  • Visa Debit Card Replacement Fee

    We replace a lost or damaged Visa Debit card

    $20

Features

Instant paymentsPayIDDigital bankingUnlimited transactionsOverdraftMobile Wallet

Eligibility and limits

  • Residency: Australian Residents only
  • Available to individuals
  • To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.

Published by Fire Service Credit Union under the Consumer Data Right, last changed by them on 28 Oct 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.