All our bank accounts are with ANZ and I have a personal loan (which was used to purchase a car) with them too. Have always found them to be great, fees are reasonable and customer service is good overall. They have just brought out a new product- it's an online savings account (can't remember exactly what it is called) but it has no fees and the interest you earn on savings is pretty darn good- we used to have normal savings accounts (Progress Saver) with them but have just transferred all money into the Online Saver as the interest is so much better- we have roughly $400 in there at the moment, and last month earnt about $5 interest on it from memory, heaps better than the measly few cents we got with just a normal savings account!
The interest charged on my personal loan is quite reasonable too, think it's one of the lowest rates out there at the moment.
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....
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!
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
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!
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.
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
Savings & Loan?
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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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