You can reduce, or even avoid fees and charges, by following the simple steps outlined below:
Get an account that matches your needs
Consider the features offered by each of our personal bank accounts. And make sure you have the right account for your needs. For help, look at Compare accounts.
Register for eBanking
You can use eBanking to pay bills and check your balance and statements at any time. Why not order eBanking right now? You can reduce your fees and charges. Sign up for our e-mail and text messaging service, and we’ll send you an e-mail or text message if your balance falls below a certain amount.
Stay in credit
The easiest way to reduce fees and charges is to stay in credit. It only takes a few minutes each day to review and manage your finances through eBanking.
Make sure your overdraft matches your needs
Stay within your overdraft limit and make sure that the limit matches your needs. There is no point in having an overdraft limit you don't really need.
Budget for your overdraft repayments
It is also wise to budget for your overdraft repayments. Remember: an overdraft is not a permanent loan, it is repayable on demand.
Talk to us before you go overdrawn
Contact us before you go overdrawn. We will be glad to help you avoid any unnecessary borrowing fees.
Make sure you have the money to cover your purchases
Don't use a debit card if you do not have the money to pay for your purchases. If you’re unsure, you can check your available balance through ATM's or eBanking before making purchases.