My Credit Union

All Smiles Account



0.00% pa
Interest Rate

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An everyday low-fee transaction account with a wide range of access options.

  • $5 monthly Account Keeping Fee (can be waived if you have $2,000 or more credited from an external source to the account in a calendar month, are under 25 years of age or have an Average Relationship Balance of $125,000 or more)
  • account does not charge for everyday transactions (refer to Section 2.1 in Schedule of Fees and Charges)
  • funds available at call
  • rediCARD and Visa Debit card access options (no monthly Visa Card Fee for Visa Cards attached to this account (as the primary account)) and Visa Card can be added to digital wallet solutions like Apple Pay
  • can be linked to a loan and used as an offset facility
  • option to attach an Overdraft line-of-credit facility
  • complete range of access options including Branch withdrawals, personal cheque withdrawals, direct debits and credits, Internet/mobile and phone banking, BPAY, EFTPOS and ATM
  • the balance in this account contributes to your Average Relationship Balance and is used to calculate your monthly Fee Allowance to offset everyday fees – refer to Fees & Charges for more information
  • SERVICE ONE Alliance Bank deposits are deposits of Bendigo Bank and are covered by the Federal Government’s Financial Claims Scheme

  All Smiles Account Features:
All Smiles Account
Interest Rates
Maximum rate0.00% pa
Monthly fee$5 
Annual fee$0 
Interest PaymentsNA
Interest CalculationDaily, paid annually
Balance RequirementsNA
Funds availableAt call 
eLink or phoneLinkYes
ATM/EFTPOS accessYes 
Direct Entry (Credit/Debit)Yes
Branch accessYes 
Cheque bookYes 
Debit cardYes 
Periodic paymentsYes 





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Things you should know:

Terms and conditions apply and fees and charges are payable.