Savings Comparison - SERVICE ONE Members Banking

Key Features	Day to Day Account	Student Account	Christmas Club Account	Pension Deeming Account	Money Management Account	Term Deposits	Savings Investment Account
Funds available at call	Yes	Yes	1 Nov to 31 January	Yes	7 days after initial deposit	Available at maturity	Yes
Minimum to open	Nil	Nil	Nil	Nil	$2,000	$500	Nil
Interest income	Calculated daily, paid on 31st May	Calculated daily, paid on 31st May	Calculated daily, paid 31st Oct	Calculated daily, paid on 31st May	Calculated daily, paid monthly	Calculated daily, paid at maturity	Calculated daily, paid on 31st May
Access Methods
Cheque Book	Yes	Yes	No	Yes	No	No	Yes
EFTPOS/ATM Access	Yes	Yes	No	Yes	No	No	Yes
Bank @ Post	Yes	Yes	No	Yes	No	No	Yes
Redicard	Yes	Yes	No	Yes	No	No	Yes
Internet and Phone Banking	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Direct Debit/Credit	Credit/Debit	Credit/Debit	Credit Only	Credit/Debit	Credit/Debit	Credit Only	Credit/Debit
BPAY	Yes	Yes	No	Yes	No	No	Yes
Periodical Payments	Yes	Yes	No	No	No	No	Yes
Branch Transactions	Yes	Yes	Yes	Yes	Yes	Yes	Yes