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!!!