At Country First Credit Union we don’t like charging our members fees, but we do need to recoup some of our costs. Our current fees and charges are based on a user pays system that offers rebates of up to $240.00 per year for supporting members.

Of course, we understand that some Country First Credit Union members still conduct much of their banking when other financial institutions and so we’re keen to win back, this business. Our fee rebate system is one way we hope to do that.

We are also keen to encourage all members to reduce the cost of their banking even when it’s not possible for them to increase their level of banking with Country First Credit Union.

Member Rewards and Rebates

We're so committed to helping you save money that we even offer fee rebates to supporting members.

Minimising Fees and Charges

There are also ways in which you can avoid paying fees or charges:

• Use Internet Banking
• Use Telephone Banking
• Use BPAY instead of direct debit or cheques, where ever possible
• Use EFTPOS to make cash withdrawals
• Use ATMs wisely and sparingly
• Make sure you have sufficient funds to cover withdrawals

Use Internet Banking

With Internet Banking you can access details of balances and transactions; transfer funds between your own accounts; transfer funds to another Country First Credit Union account; transfer funds externally; and pay your bills using BPAY. Use Telephone BankingCheck your balances and transactions; transfer funds between your accounts; and pay your bills using BPAY - all withTelephone Banking. It's as quick and easy as picking up your phone!

Use BPAY

Use BPAY to pay your bills, instead of direct debits or cheques , when ever possible. BPAY is a free service and currently there are over 4,000 registered suppliers. BPAY is easier, faster and better.

Use EFTPOS to make cash withdrawals

If you're using EFTPOS to pay for goods, you can also withdraw cash at the same time. This means you pay only for one transaction, rather than for a separate ATM withdrawal.

Use ATMs wisely and sparingly

Plan your cash withdrawals wisely. If you withdraw large amounts less frequently from ATMs, you'll incur less charges.

Make sure you have sufficient funds to cover withdrawals

Always ensure you have sufficient cleared funds in your account to cover all your withdrawals. Doing so means you'll avoid paying a fee for insufficient funds.