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Fees & Charges

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SERVICE ONE's fees... at a glance

Our approach to fees is simple - we look at your entire membership. The more SERVICE ONE Alliance Bank products and services you hold, the less you pay on everyday fees.

Depending on the types of SERVICE ONE Alliance Bank products and services you hold and/or your Average Relationship Balance, you will receive a monthly Fee Allowance and/or may be exempt from paying everyday banking fees and there will be no monthly account keeping fees.

The Average Relationship Balance is calculated using the sum of the monthly average deposit balance (savings and term deposits) and monthly average loan balance (loans and drawn down balances of approved overdrafts) in SERVICE ONE Alliance Bank products. For instance, if you have an average loan balance of $6,000 and an average deposit balance of $5,000, your Average Relationship Balance will be $11,000.

Fee Allowance

Below is a snapshot of the approach taken to determine your monthly Fee Allowance. At the very least, all SERVICE ONE Members are eligible for at least a $4.00 monthly Fee Allowance, but many Members are eligible for higher levels. The Fee Allowance can be used to offset the following everyday withdrawal fees:

  • over the counter cash withdrawal
  • personal cheque withdrawal
  • EFTPOS transaction
  • rediATM cash withdrawal
  • BPAY transactions
  • Direct Debits, and
  • electronic transactions (phone, mobile and Internet).

Please note any unused Fee Allowance does not accumulate. Members will receive the highest applicable level each month. This information should be read in conjunction with the Schedule of Fees and Charges (link below).

Members with: Fee Allowance per month:
  • An Average Relationship Balance of $125,000 or more
  • A Pioneer Banking Package
  • A Home Owner Banking Package, or
  • A FREEstyle Student Account.
  • An Average Relationship Balance between $25,000 and $124,999.99
  • A Wealth Manager Banking Package
  • A Small Business Banking Package, or
  • A Student Banking Package.
  • An Average Relationship Balance between $5,000 and $24,999.99
  • An Average Relationship Balance between $2,000 and $4,999.99
  • A Junior membership
  • An Aged, Disability, Invalid or Veterans' Affairs pension, or
  • A Senior Saver Account.
  • An Average Relationship Balance below $2,000.
Schedule of Fees and Charges 
  • Schedule of Fees and Charges (4 October 2017)
Schedule of Fees and Charges PDF
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