1. Minimum deposit of $1,000 must be received in the account by close of business on the last business day of the month or you may incur an ATM operator fee. 2. ATM transactions less than $100 may incur an ATM operator fee. This will be disclosed at the time of the transaction. The deposit cannot be an internal transfer or interest earned from other BankVic products. Any advice is general advice only and has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice you should consider whether the advice is appropriate for you. Before you make any decision to acquire any product or service you should obtain and consider the relevant Product Disclosure Statement available at a branch or by calling 13 63 73.