Fees and Charges effective 1 October 2016      

Download our 2016 Fees and Charges

Please ask our friendly Team about tips on how to save on fees. ACU is dedicated to providing solutions for your financial needs. Selecting the right accounts and services will simplify your banking and save you money.  Remember, as “Your” Credit Union, we are here to help You, your family…… and anyone else you care about, so, now is a great time to review your package.

 

Debit Card Fees (per transaction)

*ATM withdrawal/enquiry-non ACU

$2.00

*ATM withdrawal –ACU

*ATM Balance enquiry - ACU

$0.10

$0.10

International ATM withdrawal

$7.00

International ATM enquiry

$0.80

*EFTPOS

$0.50

International EFTPOS withdrawal

$0.80

ACCESSCARD Maestro overseas transaction

(%of overseas transaction amount)

2.5%

*Card issue

FREE

*Card replacement

$15.00

*PIN replacement

$5.00


Access Debit MasterCard

New or replacement card fee

Administration fee

Foreign currency fee


Disputed transaction Fee



$10 per card

$5.00 six monthly

2.25% of $NZ amount

$50.00

There may be additional merchants and/or ATM charges fees which should be bought to the attention of the card user at the time of sale.

A tiered “Fee Rebate” for transaction fees applies to Members who have savings relationship from $5,000 or more with ACU.  The Loan Provider [S6] account is excluded from the fee rebate.  All other fees and charges are charged at current rate. The Tiered Rebates are as follows:

 

$5,000.00 Up to  $ 25,000.00                   $1.25/wk rebate applies

$25,000.0+                                               $2.50/wk rebate applies

     

Children aged under 16 years old and Members over 65 years old receive a rebate of $2.50/wk.  1 Account is permitted for rebates only.

 

 *The Board and the Staff of the Credit Union are exempt from these fees/charges. 1 account is permitted for rebates only.  All other fees and charges are charged at current rate.

 

 

 

Counter/Administrative Fees (per transaction)

Cheque Withdrawal over counter

$5.00

Transfer between accounts over the counter

$3.00

Stopped cheques

$25.00

Special Answer

$32.00

Inter credit union withdrawal

$10.00

Automatic Payment / Direct Debit setup or alteration

$5.00

Automatic Payment or Direct Debit transaction

$0.50
Dishonoured Automatic Payment $15.00

Dishonoured Direct Debit

Internal Split Payment loading and alterations

$25.00

Free

Traces and voucher searches

$13.00

ACCESSTXT (all mobile networks)

$1.00

Credicare/Tangihanga claim – maximum of

$2.00

Faxing at member’s request

Mobile APP Access

Mobile APP transfers

$5.00

Free

$0.50

Statement search

Statement 6 monthly –System Generated

Additional Statement request – Over Counter

$50.00

Free

5.00

 


Account Fees

Base fee (Weekly Membership Fee)

Early Christmas Club withdrawal

Withdrawal from Loan Provider [prior to 14-day notice]

$1.25

$10.00

$10.00


Lending Fees

Loan application fee - Within shares

$40.00

Loan application fee – Express loans

$60.00

Loan application – Secured Loan Car/other

Loan application – Mobile Plan Loan

Loan application – Unsecured

Overdraft Application Next Pay

Overdraft Application Fee 6month Term

Overdraft Weekly Management Fee 6-month Term

Credit Check Fee

PPSR Individual Person Search Fee

Auto Check Plus Search Fee

Motor Check Vehicle Search Fee

Redbook Valuation Search Fee

Driver License Check Fee

PPSR Registration Fee – Vehicle/Bike/Boat/Caravan

$500-$750

$150.00

$150.00

$10.00

$25-$50
$10.00

$10.00

$5.00

$20.00

$5.00

$5.00

$5.00

$60.00


Debt Collection

Instruction fee

per invoice

Debtor trace – successful/unsuccessful

per invoice

Debt recovery field visit

per invoice

Repossession/per attempt

per invoice

1st Delinquent loan letters
Subsequent letters
Penalty Interest

$20.00
$50.00
10%