IMB Bank
Everyday Unlimited Account
Access your money the way you want great features and unlimited transactions. A monthly account keeping fee applies, but is waived if you maintain a balance above $2,000 for the month.
Savings & transaction accountsBank updated 22 Sept 2026
At a glance
- Base rate
- 0.00%
- Monthly fee
- $6
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.00% | — | — |
§ 02 — Fees · 40
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Visa Debit Card - Cash advances (domestic & international) | Cash advance | 2.50% of transaction | — | A transaction fee of the higher of $5 or 2.5% is charged for any international purchase made using a Visa Debit Card in: a) a currency other than $AUD (after conversion to $AUD); or b) $AUD (or any o… |
| Bulk coin count | Deposit | $5 | — | Maximum charge |
| Foreign cheque conversion (value AU$10,000 and greater) | Deposit | $50 | — | Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties |
| Foreign cheque conversion (value less than AU$10,000) | Deposit | $25 | — | Minimum charge, subject to additional fees and charges. Charges either wholly or partly imposed by third parties |
| Manual deposit other institution | Deposit | $10 | — | — |
| Audit Certificate | Event | $30 | — | Per certificate |
| BPAY payment return | Event | $5 | — | — |
| Card replacement (in excess of 1 p.a.) | Event | $10 | — | — |
| Copy of Financial Institution cheque | Event | $16 | — | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Copy of personal cheque | Event | $15 | — | — |
| Copy of withdrawal or deposit form | Event | $15 | — | — |
| Default fee | Event | $25 | — | When your savings account is overdrawn for 20 days, a Default fee will be debited from your account on the 20th day and a further Default fee debited each month thereafter while your account remains… |
| Default Notice fee | Event | $30 | — | A Default Notice fee of $30 will be debited from your deposit account or Personal Credit Line facility, where you are in breach of the PDS and/or the schedule and IMB issues a notice to you demanding… |
| Interest statement - Electronic | Event | $2.50 | — | Per page |
| Pin replacement (in excess of 1 p.a.) | Event | $5 | — | — |
| Recalculation of interest | Event | $30 | — | Per page |
| Rejected post-dated BPAY | Event | $5 | — | — |
| Research fee | Event | $30 | — | Per page |
| Retrieval of archived documents | Event | $20 | — | Per page |
| SMS Alerts | Event | $0.25 | — | Per alert. Everyday Unlimited and Everyday Unlimited Kick Start include 5 free SMS Alerts per month. |
| Special clearance on cheques | Event | $16 | — | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Stop payment fee (IMB cheques) | Event | $12.50 | — | Maximum charge. Charges either wholly or partly imposed by third parties. |
| Stop payment personal cheque | Event | $15 | — | — |
| Trace on Electronic Debit/Credit | Event | $20 | — | — |
| Trace on Financial Institution cheque | Event | $50 | — | Charges either wholly or partly imposed by third parties. |
| Trace on personal cheque | Event | $50 | — | Charges either wholly or partly imposed by third parties. |
| Transaction Listing - Electronic - 10 pages and over | Event | $0.50 | — | Per page |
| Transaction Listing - Electronic - up to 10 pages | Event | $5 | — | — |
| Transfers between accounts to cover overdrawn balance | Event | $15 | — | — |
| Unclaimed monies/dormant account | Event | $40 | — | Maximum charge per account |
| Urgent Visa card mailing | Event | $20 | — | — |
| Visa voucher request | Event | $15 | — | Per request. Charges either wholly or partly imposed by third parties, such as Visa. |
| Monthly Account Keeping Fee | Periodic | $6 | Every 1 mo | Nil Monthly Account Keeping Fee |
| Visa Debit Card - International purchase | Purchase | 2.50% of transaction | — | A transaction fee of the higher of $5 or 2.5% is charged for any international purchase made using a Visa Debit Card in: a) a currency other than $AUD (after conversion to $AUD); or b) $AUD (or any o… |
| Overseas Visa card replacement | Replacement | $150 | — | Charges either wholly or partly imposed by third parties. |
| Australia Post - Bank@Post deposit, enquiry & failed transactions | Transaction | $4.50 | — | Service availablility is at the discretion of the Australia post outlet |
| Other ATM - International ATM | Transaction | $5 | — | Direct charge as determined by ATM Operator may also apply |
| Australia Post - Bank@Post withdrawal transaction | Withdrawal | $4.50 | — | Service availablility is at the discretion of the Australia post outlet |
| Purchase of foreign currency | Withdrawal | 1.00% of transaction | — | $10 or 1% of the value of the total order (whichever is greater). |
| Total cash withdrawal over $2,000 in a day | Withdrawal | 0.20% of transaction | — | A fee of 0.2% of total cash withdrawals is charged for total cash withdrawals over $2000 in a day. |
§ 03 — Features
Instant paymentsPayIDDigital bankingFraud protectionOverdraftApple Pay.Google Pay.Samsung Pay.Garmin Pay.
- · Direct debit is available on this account type.
- · Direct Credit is available on this account type.
- · Schedule Electronic Funds Transfers or Periodic Payments via internet banking, in branch or telephone banking
- · Make and receive Electronic Funds Transfers (EFT) from this account type.
- · Do your day to day banking with your IMB transaction account at Australia Post Offices where Bank@Post is available.
- · IMB boasts an extensive branch network throughout the Illawarra, Sydney, NSW South Coast, the ACT and Melbourne.
- · IMB's Phone Banking Service gives you 24 hour access to your accounts from any touchphone.
- · IMB consultants are available Monday to Friday 8am - 8pm and Saturday 9am - 4pm
- · As of 1 June 2021, IMB will not offer a cheque facility to customers that become Members on or after that date, or to existing Members who have not been issued a cheque facility before that date
- · PayTo is available on this account type.
§ 04 — Eligibility & limits
- · Available to individuals
- · Opening balance $1
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by IMB Bank under the Consumer Data Right, last changed by them on 22 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.