Whatever your need, Queenslanders can HELP you with the right account.

Daily Transaction Accounts

Some of the services linked to our everyday, flexible working accounts include:

• Over the counter funds deposits and withdrawals at our branches. Deposits can also be made at any National Australia Bank branch
• Access to all ATMs in Australia (not only Queenslanders Credit Union ATM’s) through the Queenslanders’ Redicard or Visa card
• Direct debit and periodical payment facilities
• EFTPOS facility
• BPAY facility to pay your bills over the phone
• Statements sent quarterly or monthly depending on the type of account
• Automatic payroll deductions of funds transfer from another account
• QuickDebit – transfer from another financial institution into your account.
• Automatic sweep facility available

Personal Cheque Book

Draw on your at-call savings account while still earning daily interest.

• Can also be linked to your MoneyMaker Account
• Monthly statements
• SmartCash facility available

Christmas Club Account

Make regular deposits and earn high interest until November 1st each year when the total balance of your account is automatically transferred to your Action Account.

• Automatic payroll deductions or funds transfer from another account
• Make additional deposits as often as you like
• Your Christmas Club account does not close on transfer of funds, it remains open for you to use the following year

Visa Debit Card

• Can be used as a debit card with or without a SmartCash facility.
• You pay no transaction fees* – so long as you press the “CR” (Credit) button and sign for your purchase. Pressing the “CR” button doesn’t mean you’re going into debt. Your card still works as a debit card and will access your nominated account. All it means is that your purchase is processed in such a way that it does not attract transaction fees.**
• You can use our Visa Debit Card at ANY ATM in Australia without incurring a facility fee for using another financial institution’s ATM.
• Pay bills over the phone, in store or via the internet
• Cash advances from ATMs
• 24 hour access through the worldwide ATM network and our Phone and Net Banking facilities
• Accepted by over 22 million merchants around the world
• You can access cash at over 700,000 ATMs in 134 countries.
• To check out Visa’s website click here

*Except where you use your card at unattended petrol pumps.
** Other fees & charges may apply.

MoneyMaker Account

Earn high interest while enjoying access to your funds.

• Minimum deposit of $5,000 required.
• 24 hour, 7 day access to funds through our Phone and Net Banking facilities.
• Interest calculated on the whole balance daily and paid monthly.
• 5 free transactions per month.
• No account keeping fees
• Regular statements
• Bill paying facilities.

Term Deposits

Perfect way to earn more on the money you don’t need access to everyday.

• Interest paid to suit your needs, upon maturity, annually or at regular intervals.
• Re-invest your interest and make your savings grow even faster.
• Minimum deposits apply.

To find out more information or for an application form contact one of our Service Consultants on (07) 3218 7202 or 1800 177 278 (toll free) during business hours or (07) 3218 7290 after hours.

Or email your request by using the Contact Us button on the left.

Fees & charges apply. Please refer to our Fees & Charges & Transaction Limits brochure. the Visa Debit Card, Term Deposit, S1 Account Account, S5 MoneyMaker Account and S7 Christmas Club Account are issued by Queenslanders Credit Union Ltd. These accounts are available through the one consolidated financial product, the Queenslanders Credit Union Account & Access Facility. You should consider the Product Disclosure Statement in deciding whether to buy or hold this product. A Product Disclosure Statement is available upon request at a Queenslanders Credit Union branch.

SmartCash

SmartCash is the fast, convenient and easy way to have ready access to money when you need it, whether its an emergency, or if you just feel like spoiling yourself. There’s no need to wait around for personal loans to be approved when you require extra cash.

With SmartCash you’ll also receive a Queenslanders’ Visa Debit card so that you access your SmartCash facility or you can use your own money without paying any interest. Visa is accepted at more than 22 million merchants around the world and is your passport to shopping in store, over the phone, or via the internet. And if you press the "Credit" button when making an EFTPOS purchase, you’ll pay NO transaction fees.

Our SmartCash interest rate is lower than most credit cards – to view our SmartCash Rates and Fees* click here.

How does SmartCash work?

Let’s say you have a balance of $2,000 in your Queenslanders Account and a SmartCash limit of $3,000. That means you have access to $5,000 in total.

A few days later you see that big screen TV on sale for $3,500. You use your Visa Debit card to buy the TV, using $2,000 of your own money from our account and $1,500 of your SmartCash. Interest is then charged on the $1,500 SmartCash amount you’ve accessed and this interest is debited from your account at the end of the month.

A week later, your pay is deposited into your account. Interest will cease to be charged on your SmartCash facility if the outstanding balance has been repaid and your account is again in credit. If you’re not using your SmartCash facility, you’re not being charged any interest.

To apply for Smartcash click here, your application will be assessed within 24 hours of being received at our office.

*Interest rates subject to change. Fees & charges may apply. Lending conditions apply. Full terms & conditions available on request. Offer not available on existing overdrafts.