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Reduce my fees

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Endeavour Mutual Bank is committed to providing members with competitive interest rates, personalised service and a fair fee structure which is based on mutual support.

There are some very simple ways of reducing potential fees.

  • Using the Endeavour Mutual Bank mobile App is completely free. It allows you to perform most transactions 24/7 and is a great way to save time and money.
  • Although Endeavour Mutual Bank doesn't charge ATM fees, there are still some ATM networks which will direct charge.  Avoiding these ATMs is another way to save
  • Reduce ATM fees by making larger withdrawals. If you need to make a withdrawal from an ATM, make fewer, larger withdrawals instead of multiple small withdrawals. This will help reduce potential ATM fees.
  • Use EFTPOS to get two transactions for the price of one. Take some extra cash out when you are paying by EFTPOS. This way you can reduce your fees and maximise your transactions.
  • Make the most of fee free transactions. Whenever you make a purchase at a merchant or pay your bills, select the ‘Credit’ option when using your VISA debit card. This type of transaction is always a FREE transaction. You can also pay your bills via BPAY which is a free transaction.
  • Avoid dishonour, overdrawn and over limit fees with the Endeavour Mutual Bank Alerts System. Set up SMS reminders to help keep track of account balances and transactions to prevent your account from being overdrawn or going over limit.  Find out more about how to set up alerts and stay on track with your money here.  
  • Use your credit card to save on transaction fees. Instead of using cash or EFTPOS to make purchases, use your VISA Credit Card and utilise the 55 day interest free period. Credit transactions are free which means you save on transaction fees, but you must you pay off your credit card balance in full at the end of 55 day period to also avoid paying interest.  
  • Take advantage of the multiple ways Endeavour Mutual Bank can assist you with your banking needs. The more business you bring to Endeavour, the higher Loyalty Fee Rebate you can access, helping you to minimise fees or even avoid paying fees and charges altogether.

Find out more about Rates & Fees