Illawarra Credit Union – Everyday Account

The Illawarra Credit Union is a member owned financial service provider, open to all Australians to join. The Everyday Account is structured the same like any bank’s everyday accounts, giving account holders benefits like internet banking, Visa debit card access and over the counter transactions. With a number of options for handling your day to day banking needs, you will find it easy to manage your spending.

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Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameIllawarra Credit Union Everyday Account
Monthly account fee$6
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account fee$2,000
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Review by

Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.

Expert review

This is an everyday bank account to help you manage your general, day-to-day banking and make daily purchases with your own money. Keep in mind that you need to keep your account balance above $2000 otherwise a monthly account fee of $6 applies.

This account could be suited to you if you’ve got another product with Illawarra Credit Union (like a loan, term deposit or savings account) and want to keep all your banking in the same place. Although all Australians are welcome to join the credit union, if you like to bank in branch it might be better suited to those living within the Illawarra region.

Key features


In order to apply for any banking product with Illawarra Credit Union, you must first apply to become a shareholder. The fee is $2 to join, and membership is open to all Australians.

Monthly account keeping fees

The account keeping fee is based on how much money you have in all of your Illawarra accounts. In months where that total is less than $2,000, you will be charged a $6 account keeping fee.

How to apply


Illawarra Credit Union makes it easy to apply by providing a link to an online application that can found by visiting their website. First, however, you will need to become a member, which can also be done by filling out an online application. Other eligibility requirements directly related to the Everyday Account include:

  • Minimum age. Illawarra Credit Union does not specify any minimum age requirement either for becoming a member or opening this transaction account.
  • Residency requirements. Only Australian permanent residents or citizens are eligible for the Everyday Account.

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    Default Gravatar
    January 12, 2017

    trying to find my new estatement to check bill payments

      Avatarfinder Customer Care
      January 13, 2017

      Hi Denis,

      Thanks for your question.

      If you want to check your statement, you can view it when you log into Illawarra Credit Union internet banking. You can also visit a local branch and request them to print your statement, for a fee.


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