Do you carry out the majority of your financial transactions with Wagga Mutual?
As a member of Wagga Mutual Credit Union, you can enjoy FEE-FREE transactions on many of your daily and basic transaction needs.
| The following transactions are free for all members |
 Cash dispenser machine withdrawal |
Direct (payroll) credits |
| BPAY transactions |
Wagga Mutual account transfers |
| Internet banking login |
Electronic funds transfer within Wagga Mutual |
| Telephone banking login |
Visa credit purchases |
| BankPost deposits (formerly GiroPost) |
Cash deposits |
Member Plus
Where a member holds a combined average relationship balance of $30,000 or more during the month (including combined loans, savings, investments or credit facilities), extra benefits are provided. These members are called Member Plus and they receive additional free transactions.
Exemptions and Concessions
Junior members are exempt from fees and charges, however a combined limit of 6 atm/EFTPOS/EFT transactions each month applies. Junior members will pay a fee for each atm/EFTPOS/EFT transaction made after the maximum limit is reached.
It's all part of the Wagga Mutual difference: returning profits to our loyal members!
| Transaction Fees |
Junior |
Member |
Member Plus |
| Wagga Mutual Withdrawal atm/EFTPOS/EFT7 |
Free |
$1.00 |
Free |
| Westpac ATM withdrawal |
Free |
$1.50 |
$1.50 |
| Westpac ATM balance enquiry |
Free |
$1.00 |
$1.00 |
| EFTPOS insufficient funds decline |
Free |
$1.00 |
$1.00 |
| Direct debits |
Free |
$0.20 |
Free |
| Excess junior atm/EFTPOS/EFT2 |
$1.00 |
N/A |
N/A |
| Bank@Post withdrawal |
Free |
$3.00 |
$3.00 |
| Cheque deposit (per cheque deposited)6 |
Free |
$0.30 |
$0.30 |
| Member cheque (per cheque written)6 |
N/A |
$1.50 |
$1.50 |
| Staff Assisted Fees 5 |
Junior |
Member |
Member Plus |
| Over the counter cash withdrawal |
Free |
$2.00 |
$2.00 |
| Over the counter cheque withdrawal |
Free |
$5.00 |
$5.00 |
| Cheque encashment fee |
Free |
$1.20 |
$1.20 |
| Non Transaction Fees |
Junior |
Member |
Member Plus |
| Personal account fee3 |
Free |
$1.00 |
Nil |
| Business account fee4 |
N/A |
$5.00 |
$5.00 |
| Document archiving retrieval fee |
$15.00 per item or $60.00 per hour or part thereof |
Please download our fees and charges schedule.
Note: this form is provided in .pdf format and require version, 4.0 (or later) of Adobe Acrobat Reader. You can download Acrobat Reader by clicking on the "Get Acrobat Reader" button below.
1. Cash Dispenser Withdrawal - only applies to S1, S8 and S60 Account Holders. (NB- cash dispenser is located within our 141 Peter St Branch)
2. Excess Junior atm/EFTPOS/EFT - only applies to junior members for each ATM, EFTPOS or EFT transaction in excess of 6 (combined atm/EFTPOS/EFT) transactions in any month.
3. Personal Account Fee - only applies to Savings (S1), Special Purpose (S2), Visa First (S3), Access First (S4), and Lifestyle First (S8).
4. Business Account Fee - only applies to Business Account (S60) and Agribusiness (S61).
5. Staff Assisted Fees - applies when manual staff processing is required. Fee is charged at time of transaction. Additional fees may apply for electronic processing.
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