Normal every day bank accounts

[Arimeh]

Hmm there wouldn't be that much going in there - definitely not 2 grand! I mainly need separate accounts for me and DH to have our spending money in cos it's too hard to keep track of it, sometimes we overspend lol

So I thought if I could get an extra 2 accounts, then if I wanted to buy something I know I wouldnt be blowing our budget. If that makes sense?

[toomanyshoes]

Unless you already have accounts with the NAB I wouldn't open an account with them.

We HATE the NAB, if we ever get out act together we'll be switching banks. We have been stuffed around by them time and time again, people rarely return calls and a whole host of other things.

While most of our issues with them probably wouldn't affect an every day account I can't recommend them based on our experience.

Most of the bigger banks have higher interest rate accounts that are online only access, they would be listed on their websites.

[Aimz]

I have a UBank savings account set up for my savings. I have three accounts there - all for different things. At the moment they are for my Thailand Holiday, General Savings and one dubbed Project ***way - our account for baby savings! You can nickname all your accounts and they are 100% FEE FREE.

The only disadvantage (which I don't think is actually a disadvantage at all) is that they are 100% ONLINE meaning you can't go into a branch to deposit or withdrawl - it all has to be online. You also can't have a card on the account.

But I find this works great as it makes it difficult to access the money - which effectively means I can't spend it easily!!

[Arimeh]

I have a UBank savings account set up for my savings. I have three accounts there - all for different things. At the moment they are for my Thailand Holiday, General Savings and one dubbed Project ***way - our account for baby savings! You can nickname all your accounts and they are 100% FEE FREE.

The only disadvantage (which I don't think is actually a disadvantage at all) is that they are 100% ONLINE meaning you can't go into a branch to deposit or withdrawl - it all has to be online. You also can't have a card on the account.

But I find this works great as it makes it difficult to access the money - which effectively means I can't spend it easily!!

This sounds perfect!!! Most stuff we want to buy is online. Is it easy to transfer funds between banks? Does it show up fairly quickly?

[Aimz]

Seeing as Ubank is owned by NAB - you can have instant transfers to a nominated NAB account. Otherwise it is usually overnight.

Hope that helps!

[Cranky Kitten]

Hmm there wouldn't be that much going in there - definitely not 2 grand! I mainly need separate accounts for me and DH to have our spending money in cos it's too hard to keep track of it, sometimes we overspend lol

So I thought if I could get an extra 2 accounts, then if I wanted to buy something I know I wouldnt be blowing our budget. If that makes sense?

Hmmm, if you find a good one let me know? I need something similar for my own spending money, else I lose track of it and wind up buying household stuff with my slush money, then feeling guilty when I want something for me.

[~StarBright~]

I love credit unions!!!!

I do pay $5 a month, but that is a total for all of my accounts. Total.. no extra for anything. I can check everything online- we have one account that has a card for each DH and I, and then a seperate savings account we cant access with a card (thats the account i transfer any derict debt money or bill money into). Thats just our set up though, you can have more accounts with or without cards if thats how you want it.

Also we can use any NAB or REDI atm for free. I can go into the bank, or i dont have to. No minumim deposit. And i have no idea on the interest rates coz frankly our cash is never in there long enough to even worry about it gaining any interest lol!!!

You should be able to find your local credit union easy enough. I am still with the same one i was in in VIC even though we have moved! I love them too coz they are generally more friendly than banks!! They know me by name!!!