In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Compare other transaction accounts
  • Your reviews
  • Ask a question
IMB Everyday Account

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Account keeping fee
$0
ATM withdrawal fee
$0.7
Overseas ATM withdrawal fee
$5
Overseas transaction fee of transaction value
2.5%

Summary

This account offers a range of different ways to pay, however transaction fees do apply.

This is an everyday transaction account designed for your day-to-day spending and banking. It offers several different ways to pay including internet, phone and mobile banking as well as BPAY, Google Pay, Samsung Pay and instant payments via Osko.

While there's no account keeping fee, this account does charge more transaction fees than most standard transaction accounts including EFTPOS transaction fees and ATM withdrawal fees, even with IMB ATMs.

Pros

  • $0 account keeping fee per month

Cons

  • IMB ATM withdrawal fee applies
  • Overseas ATM fees and international transaction fees apply
  • EFTPOS transaction fees apply
  • Monthly fee applies to have a Visa Debit card

In this guide

  • Review
  • Details
    • Key details
    • Eligibility
  • Key features
  • How to apply
  • Compare other transaction accounts
  • Your reviews
  • Ask a question

Details

Key details

Product Name IMB Everyday Account
Monthly account fee $0
Card access Visa
Own network ATM fee $0.70
International ATM Fee
International ATM fee
$5
International transaction fee 2.5%
Monthly deposit required to waive account fee N/A
Contactless Payments Apple Pay, Google Pay, Samsung Pay, Garmin Pay

Eligibility

Minimum Age 18
Joint account availability Yes
Minimum opening deposit $1
Residency status Permanent Australian residents with an Australian address

Key features

Picture not described

No monthly account keeping fees

This account is free from any monthly account fees.

Transaction fees

Transaction fees do apply with this account. The most common fees you'll likely face are EFTPOS transaction fees and ATM withdrawal fees when using IMB ATMs.

You are given a transaction fee allowance based on the length of time you have been a member and the average monthly balance in your transaction account. However, based on the amount of transactions you make each month, you're still likely to incur fees even with the allowance deducted.


How to apply

Eligibility

You can start your application online. There is no need to become a member first, as activating your account assumes membership into the credit union. There are other eligibility criteria to take into consideration before you can begin your online application:

  • Minimum age. You must be at least 13 to open this account, and at least 18 to add a Visa Debit card.
  • Residency requirements. You must be a permanent Australian resident.

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Alison Finder

Editor

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