Overdraft

• Key Features
• Benefits
• FAQs

• Eligibility to apply for an Overdraft.
• How much can I borrow?
• How is interest calculated on my account?
• How long do I have to repay my balance?
• How do I make repayments to the account?
• How often will I receive information on my account?

Eligibility to apply for an Overdraft.
You will need to:

• be over 18 years of age;
• be an Australian resident;
• apply in personal names; and
• have a permanent monthly income and/or a stable job.

Find out about becoming our member. ^

How much can I borrow?
The maximum amount you can borrow is dependent on your ability to meet your repayments.

Want to calculate how much you can could borrow? Use our loan calculator. ^

How is the interest calculated?
Interest is calculated daily and charged monthly.^

How long do I have to repay my balance?
An overdraft is a continuous credit contract up to your agreed limit.^

How do I make repayments on the Overdraft?
You can arrange to make your loan repayments either by payroll deduction, transfer from your savings or transaction account, Internet or telephone banking transfer, at any one of our branches, or by a direct credit from another financial institution. Learn more about these methods of repayment. ^

How often will I receive information on my account?
Statements are issued monthly. A transaction list can be requested at any time from our branches, however a fee may apply for duplicate statements.

Account Balances and Statements are also available through our Internet and telephone banking services. ^

Applying made easy

	Apply using our easy online application form.
Overdraft form	Download form and return to your local branch.

Note: this form is provided in .pdf format and requires version, 4.0 (or later) of Adobe Acrobat Reader. You can download Acrobat Reader by clicking on the "Get Acrobat Reader" button below.

Why not call and talk to us about your loan solution.

Get in touch by phone, fax, post or online