Home Loan Offset Account

• · Sub accounts - For budgeting purposes, separate your funds into multiple accounts
• · BPAYView - Receive your bills directly to your internet banking and pay with one click
• · Sweep Facility - Automatically move funds between your accounts based on a minimum or maximum balance to be maintained on the specified account
• · Government Guarantee - Under the FCS certain deposits are protected up to a limit of $250,000 for each account holder at any bank, building society, credit union or other authorised deposit-taking in…
• · Receive international payment to your account through Western Union. No fee for sender or receiver.
• · Send International Payments self serve through your internet banking or staff assisted
• · International exchange on foreign cheques and cash
• · International purchase foreign draft
• · International purchase foreign cash
• · International Prepaid MasterCard Cash Passport
• · Overdrawn accounts (with a balance below $0.00) will be charged the current lending rate applicable to the account. See Lending Rates above.
• · Free LCU counter cheque - order a counter cheque online or in person at no cost.

• · Residency: If not an Australian resident, you must complete a Tax Residency Declaration. Loan Products are restricted to Australian Citizens
• · Available to individuals
• · Must be a shareholder owning a $10 share. Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you c…
• · To be eligible to join you must be referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area;…
• · You must have a mortgage secured loan in the same name as the offset account

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