Savings & Loan?

[Amaunet]

I'm a member of a credit union (NSW Teachers) and I would NEVER go back to a bank.

[LaDeeDa]

Yep Credit Union.

SS_Storm - I currently have everything with ANZ but they cannot match the offer Savings and Loan have on the table - I asked and they have no interest - even though I have a considerable amount in savings, CC and about 5 accounts....

[The[cookie]Doctor]

I couldn't justify going to a CU.

I looked into all the fees, had lengthy phone conversations etc and the amount I use my card/bpay and how little I use cash. Not a chance.

If you are a person that carries cash - I suspect CU 'can' be great. But I pay everything via bpay or bank deposit and I'm a swiper - so when I wasn't paying bank fees at all already, there was no point! Even now when I'm back to earning less and paying $10/month it's still loads better for me.

Good luck hopefully you find something that suits you!

[Amaunet]

I pay no fees at my CU unless i use atm/foreign atm too often. i have Visa debit to swipe (unlimited per month) and bpay etc unlimited. I am not a cash person either and am much better off than I was with Westpac. I think all CU are different - shop around - mine is AWESOME

[The[cookie]Doctor]

Oh where CF?

Everywhere I spoke with gave you 10 bpay / bank deposit per months and 10 swipes. Then after that each transaction was $1 !!! I would use my monthly quota on a pay day lmao!

[Amaunet]

I'm with NSW Teachers CU - you have to be a Teacher (or family member) to join. My VISA debit avoids any atm/external trans fees - always free when I push the credit button.

[Amaunet]

OK - it actually has a $5 fee now per month - it has changed since i signed up 10 yrs ago - still cheaper than the $15 wespac charged me!