Perfect for Cash management needs, such as EFTPOS use and interest on balances above $3,000 in the one account  
Convenient access Access your money via ATM's, EFTPOS and online banking  
Account features No minimum balance required  
Low cost No account-keeping fees  
Earn 1.25% p.a. interest on every dollar over $3,000 (and 0.05% p.a. on every dollar up to $3,000)
15 free EFTPOS transactions per month^
24/7 ATM and EFTPOS access
A linked cheque book option available
As many free direct debits and credits as you like
Free phone and online banking service


Account Balance

Interest rate

$0 - $3,000 (Tier 1)

0.05% p.a.

Over $3,000 (Tier 2)

1.25% p.a.


Monthly account-keeping fee No fee

First 15 EFTPOS transactions per month – free.

Each EFTPOS transaction over the monthly free limit - $11

ATM cash withdrawals and balance enquiries at ME Bank, Westpac, Bank of Melbourne, St.George or BankSA ATMs


Withdrawals and balance enquiries at all other Australian ATMs may incur an ATM operator fee charged by the ATM operator




Overdrawn account fee

If your account is overdrawn at any time


Direct entry dishonour fee

When any outgoing direct entry payment from your ME Bank account is dishonoured because you do not have enough funds


Copy of account statement

That has previously been provided to you

$5 per page2

Copy of interim account statement

That has previously been provided to you

$5 per page2

Voucher copy fee

If you request ME Bank to produce a voucher or other documents in relation to the conduct of your account (e.g. a copy of a cheque)

$5 per document; or $60 per hour (whichever is lesser)2

Trace fee

If you request ME Bank to investigate a transaction that has been posted to your account. Note: the fee will be waived if the trace shows that the transaction has been incorrectly posted to your account

Direct debit request No fee
Dishonour (inward) No fee
Dishonour (outward) $252
Stop payments No fee
Bank cheque purchase $61
Bank cheque repurchase $61
Replace bank cheque $251
Cheque written fee $1 
Cheque dishonour fee $25 

1 Charged last day of the month and upon account closure

2 Charged to your account immediately

Things you should know.

^ Additional transactions will be charged at $1.00 each. 

Interest rates are current at 8am 21-Apr-2015 and are subject to change. Fees and charges apply. Terms and conditions available on request. This is general information only and you should consider if this product is appropriate for you.