Ezepac S20/21

An all-in-one package that offers you the convenience of a transaction account for your everyday banking, and a savings account with a competitive interest rate.

Overview

Enjoy two accounts in one

Ezepay S20 is an everyday transaction account where you deposit your salary and pay your bills electronically, saving you time and effort. You'll enjoy the following benefits:

  • an everyday transaction account
  • unlimited free cash and cheque deposits at a branch
  • unlimited free ATM1 transactions for withdrawals of $100 or more (Australia-wide) at any ATM
  • unlimited free eftpos transactions
  • unlimited free transactions when pressing ‘credit’ (accessing your own money)
  • 4 free branch withdrawals per calendar month
  • 4 free Visa cash advance cash withdrawals (includes overseas ATM transactions)3
  • no monthly account fees
  • optional cheque book facility
  • payWave and chip-enabled Visa Debit card
    - we monitor all Visa Debit card transactions for unusual or suspicious activity, even when you're shopping overseas or online. Read more about security and fraud protection
  • Unlimited free PayAnyone – Mobile Email feature in mobile banking to send funds by providing the recipient’s mobile phone number or email address.

Ezesaver S21 is a savings account where you can receive a higher interest rate and bonus interest if you don't make any withdrawals in a month, helping you save faster. You'll enjoy the following benefits:

  • high interest savings account with monthly interest
  • high interest from first $1*
  • bonus interest rate of 0.20%pa if no withdrawals are made within a month
  • no minimum balance required
  • direct transfers from between accounts 24/7 via internet, mobile and telephone banking
  • PayAnyone – Mobile Email feature in mobile banking to send funds by providing the recipient’s mobile phone number or email address.
  • no monthly account fees.

Other benefits

  • members under 18 years will not be charged any transaction fees (dishonour fees and service charges  are excepted)
  • if you withdraw $100 or more at an ATM, we will rebate all ATM operator fees within Australia1
  • optional cheque book facility is available upon your request - all cheque withdrawals will incur a $1 fee
  • 4 free Visa cash advance cash withdrawals (includes overseas ATM transactions) - additional transactions will incur a $4 fee3
  • a combined electronic monthly statement will be made available for Ezepac, detailing both EzePay and an Ezesaver.

The two accounts are directly linked, so you can move your money between your accounts via internet, mobile or telephone banking.

   

Features

Features of our Ezepac account include:

Handy hints guide

Avoid paying fees

  • Get into the habit of withdrawing $100 or more at any ATM Australia-wide and pay no fees.
  • Need to withdraw less than $100? Easy – use any eftpos machine as it's FREE.
  • Ezepac is designed to be a sustainable electronic banking package. Any over the phone operator-assisted transactions, or in-branch transactions requiring teller services will incur a $2 fee (excludes general enquiries, cash and cheque deposits, and 4 free Visa cash advance cash withdrawals per month).

Savings made easy

  • Deposit all of your pay into your Ezepay account and enjoy the convenience of an all-in-one package.
  • Be a savvy saver and set up an automatic savings plan. All you need to do is set up a regular payment from your Ezepay to your Ezesaver account and simply watch your savings grow. Plus you can earn bonus interest of 0.20%pa if you make no withdrawals within a month.
  • Do you have extra savings elsewhere? Make your money work harder for you and transfer any additional savings over to your Ezesaver account to help you earn high interest on your entire balance.

Smart banking

Branchless or electronic banking has never been easier! When you are out and about, use mobile banking as another way to access your accounts online. You can view your transaction history, transact or transfer funds from your Ezepay to your Ezesaver instantaneously.

 

Rates & fees

Rates

Ezesaver Standard rate pa Bonus rate pa2 Total rate pa (standard plus bonus)
Up to $1,000,000
1.80%0.20%2.00%
$1,000,000 plus
0.60%0.20%0.80%

2 Bonus rate is additional to the Standard rate and applies when no withdrawals are made in a month.
Rates are effective 1 Sep 2016 and subject to change at any time. Interest is calculated daily and credited monthly.

Fees & charges

Refer to Fees & Charges (PDF) for information on current fees & charges.

Apply now

3 easy ways to apply

Before you apply...

Remember to read the Product Disclosure Statements:

and the General Information, Terms and Conditions (PDF) which contains the terms and conditions for our products and services, and the Financial Services Guide (PDF) which tells you about us and the services we offer.

FAQ

Tips on how to make the most of your Ezepac account.

What is Ezepac?

Ezepac is a simple everyday banking package, which comprises two accounts– Ezepay and Ezesaver.

Ezepay is a transaction account where you can deposit your salary and enjoy the convenience of paying your bills electronically. Ezesaver is a savings account where you can receive a high interest rate and a bonus rate of 0.20%pa if you don’t make any withdrawals in a month.

Can I transfer money between Ezepay and Ezesaver?

Yes. The two accounts are directly linked so you can move your money between your accounts via online, mobile or telephone banking.

What type of transactional benefits can I expect to receive from Ezepac?

With Ezepac you can enjoy many transaction benefits including

  • unlimited free cash and cheque deposits at a branch
  • free ATM1 transactions for withdrawals of $100 or more (Australia-wide)
  • unlimited free eftpos transactions
  • 4 free branch withdrawals per calendar month
  • 4 free Visa cash advance withdrawals (includes overseas ATM transactions)3
  • no monthly account fees
  • optional cheque book facility

What type of member is Ezepac designed for?

Ezepac is primarily designed for members who are looking for a simple, all-in-one package and prefer to conduct their banking via electronic channels such as online, mobile and telephone banking.

Can I have a joint account with the Ezepac?

Yes. To set up your joint account holder will need to complete the Joint Account holder application form (PDF). To apply, simply call Service & Sales on 13 63 73.

Can I have more than one Visa Debit card?

No. You can only have one Visa Debit card with your accounts.

Can I open an Ezesaver account, without having an EzePay?

No. Ezepac is designed specifically as a bundle and consists of Ezepay and Ezesaver .

Can I open any other transaction and savings accounts with Ezepac?

Yes. Members choosing an Ezepac can apply for other savings accounts including Bonus Saver, Easyinvest and Christmas Club accounts. Don’t forget there is also our term deposits .

Are there any fees associated with Ezepac?

There are some over-the-counter and telephone assisted transaction fees associated with the Ezepac account including:

  • any over the phone operator-assisted transactions, or in-branch transactions requiring teller services will incur a $2 fee (excludes general enquiries, cash and cheque deposits). All cheque withdrawals will incur a $1 fee
  • 4 free Visa cash advance cash withdrawals (includes overseas ATM transactions)3 - for each additional transaction, you will incur a $4 fee

What if I withdraw $50 from an ATM – will I be charged a fee?

If your ATM withdrawal is under $100, a transaction fee will be incurred. Transactions at Westpac/Bank of Melbourne/St.George/BankSA ATMs will be charged at $1.80 per transaction. All other ATM transactions will incur an ATM operator fee.

What if I withdraw more than $100 at an ATM?

All ATM withdrawals of $100 or more (Australia-wide) are free. However, an ATM operator fee will appear on your statement as a line item. We will then rebate this fee to your account. Rebates will appear on your statement at the end of the next business day.

I am under 18 – will I be charged any fees with Ezepac?

No. Members under 18 years will not be charged any transaction fees. However, dishonour fees and service charges may apply if accounts are overdrawn.

BSB: 704 230

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