OOPs kept reading and... this is why I don't pay fees...
From TCU website (I have a homeloan WAAAYYYY over $100 000 so no fee for me)
Members can easily avoid the access fee if they fit into one of the following categories:
1. Are:
* Under 18 years or
* A Rewards Package member or
* Part of our Future Teacher program and deposit $50 per month
2. Have total loans or total deposits over $100,000
3. Have any 3 of the following:
* Home loan over $20,000
* Investment loan over $20,000
* Personal loan over $20,000
* Total deposits over $20,000
* Saving account deposits of $500 per month
* Teachers Credit Union Insurance direct debit
Members need to be the primary account holder of each account and the exemption apply to ONE S1 Everyday Account only for each member.
sorry feel a bit dumb now...I didn't realise Savings & Loan are an actual business/bank...I thought you meant savings accounts & loans etc
I'll butt out now...as obviously I have no idea! Lol
We are with a credit union as well (TEachers credit union). They're pretty good, way better than one of the big banks I used to use ('which bank?' )
We dont pay fees as we have our mortgage with them and the Visa debit card is really good because you can used it like a credit card but its your own money.
You do have to be a teacher tojoin this particular credit union, but there are heaps of other CU's that anyone can join, and from what I've seen most of the credit union do a Via or Mastercard Debit card and usually dont charge huge fees.
Definately have a look at some of the Credit unions before looking at the banks.
thought i would po back in..
i went in to the branch thursday to ask about a homeloan.. and our branch manager has the ball rolling and thinks we will have approval on monday! fantastic service
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feel a bit dumb now...I didn't realise Savings & Loan are an actual business/bank...I thought you meant savings accounts & loans etc 
) 
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