We were going to go to bankwest until commonwealth bought them out. Instead we switched (me from cwth, dh from anz) to NAB. We pay $10 a month for unlimited transactions (obviously we have to pay if using another ATM - but there are lots of redi-atm about these days - but rarely use cash and take it out at the supermarket if we do need it) BUT if we deposit I think it is $4000 a month we dont have to pay for it.

I looked into CUs and noone else could offer that kind of deal. Sure maybe they could offer lower rates on a personal loan or CC, but in the end if i was having to pay x amount per month for transactions it wasnt worth it for me!