Deposit Account Fees & Charges

*You may be charged a fee by the ATM owner.

BPAY transactions
Free

Direct Debits
Free

Declined electronic transaction fees:
ATM/EFTPOS/BPAY withdrawals declined due to insufficient funds available and/or uncleared funds in the account	$0.50

Account statement fee:
Replacement of previous month statement	$2.00 per page
Any other account statements previously issued	$2.00

Periodical payments / Electronic Funds Transfer (EFT)
EFT via internet	Free
Over the counter (OTC) transactions that are forwarded electronically (EFT) to another financial institution	$2.00
Variation to current regular periodical payment authority	4 Free then $5.00
Periodical Payments that are forwarded through the mail	Free

General:
Staff assisted transaction fee	$2.00
Voucher/Record Search	$50.00/hour
Overdrawn account fee	$15.00
Inactive Account/Dormancy fee	$20.00 per annum
Statement Reprint (per statement)	$2.00 per page
Transaction Summary Print (per request)	Free
Staff-Assisted Transfer (in-branch or by phone)	$2.00
Christmas Club- Early Withdrawal	$10.00
Staff-Assisted BPAY Transaction	$2.00
Coin Handling (non-business customers, over $100 total)	1% of total coin value
Real Time Gross Settlement (RTGS) inward	$8.05
Real Time Gross Settlement (RTGS) outward	$13.27
Trace on Deposit or Cheque	$20.00
Voucher Retrieval (each)	$50.00/hour (min $10)
Audit Certificate	$20.00
Document Copy (e.g. deposit slips, account info)	Free
Direct Debit Cancellation	Free
Physical Card Replacement (lost or stolen)	$10.00
Physical Card Replacement (damaged)	$10.00
Digital Card	Free
International Conversion Fee- this is payable on all transactions made overseas on Visa Debit Card	3%
Chargeback/ATM Dispute- payable if cardholder wrongly disputes a transaction	$25.00

Dishonour Fees:
Dishonour of Direct Debit (inbound or outbound) where there are insufficient funds available and/or uncleared funds in the account held with Geelong Bank or other financial institution	$10.00
Cheque Dishonour (insufficient funds or technical)	$20.00

Travel & International Services:
Foreign Cash Order (under $1,000 AUD equivalent)	1% of order value in AUD
Telegraphic Transfer- Foreign Currency (in branch)	$30.00
Telegraphic Transfer- Foreign Currency (online)	$15.00
Telegraphic Transfer- AUD	$50.00
Foreign Cheque Conversion < $25,000 AUD	$20.00
Foreign Cheque Conversion > $25,000 AUD	$50.00

Withdrawal of ALL or PART of your Fixed Term Investment Account or Regular Income Investment Account during the term of your investment:

Where the funds have been invested for at least 75% of the term interest will be paid up to the date of withdrawal without penalty.
Where the funds have been invested for less than 75% of the term, any accrued interest on the amount that has been approved for early release will be paid at the penalty interest rate of 1%, plus any interest that has been previously paid during the current term of the investment on the amount of the approved early withdrawal will be recalculated at the rate of 1%, the difference being deducted from the principal amount that is being released. If the remaining balance falls into a lower tier then the interest rate on this remaining balance will alter.
If you withdraw part or all of your investment during the 5 working day period after the investment matures, the interest rate applicable between the maturity date and the date of withdrawal will be paid at the penalty interest rate of 1%.

Questions?