Key Features	Everyday Account (S1)	Special Purpose Accounts (S2-S5)	Money Management Account (S6)	Pensioner Deeming Account (S7)	30 day N.O.W. Account (S8)	Christmas Club Account (S9)	E-Link Account (S10)	Community Account (S15)	Term Deposit Account
Availablity of funds	At Call	At Call	At Call (for withdrawals less then $10,000)	At Call	Each deposit is frozen for 30 days	At Call between 1 Nov - 31 Dec	At Call	At Call	At Maturity
Minimum to open	$1	$1	$10,000	$1	$500	$1	$500	$1	$1,000
Interest calculated	on minimum monthly balance	on minimum monthly balance	Daily	Daily	Daily	on minimum monthly balance	Daily	Daily	Daily
Interest paid	Quarterly	Quarterly	Quarterly	Quarterly	Quarterly	Quarterly	Monthly	Monthly	At Maturity
Access Methods
Branch Transactions	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No
ATM/EFTPOS	Yes	Yes	No	Yes	No	No	No	No	No
Phone Banking	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Internet Banking	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
BPAY	Yes	Yes	Yes	Yes	Yes	No	Yes	Yes	No
External credit transfers	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No
Personal cheque facility	Yes	Yes	No	Yes	No	No	No	Yes	No
Direct credits	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No
Direct debits	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No
Periodical payments	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No
Outward bound direct debits	Yes	Yes	Yes	Yes	Yes	Yes	Yes	No	No