Text Increase font size Decrease font size

Summary of Access Facilities

Attention: open in a new window. Print

To help you choose an account that’s right for you, we have provided a summary of key features of our access facilities.

You should also consider the Conditions of Use, Interest Rates and Fees and Charges before making decisions about these products.

Product/Transaction Redi Access Busi Access Mortgage Offset Investment Saver Special Saver Bonus Saver SmartSaver SMSF Saver Term Deposit
ATM/EFTPOS Yes Visa Debit Yes No No No rediCARD No No
Internet Banking Yes Yes Yes Yes Yes Yes Yes Yes Yes
Phone Banking Yes Yes Yes Yes Yes Yes No Yes No
BPAY® Yes Yes Yes Yes Yes Yes Yes Yes No
Visa Debit card Yes Yes Yes No No No No No No
rediCARD Yes No Yes No No No Yes No No
Cheque Book Yes Yes Yes No No No No Yes No
Direct Debit Yes Yes Yes No Yes No No Yes No
Direct Credit Yes Yes Yes Yes Yes Yes Yes Yes No
Quickdebit Yes Yes Yes Yes Yes No No Yes Yes
Periodical Payments Yes Yes Yes Yes Yes No No Yes No
NAB Deposits Yes Yes Yes No No No No Yes No
Bank@Post Yes Yes Yes No No No No No No

Transaction Limits

Daily transaction limits which apply to access facilities are shown below:

Transaction Type Limit Per Day
EFT, ATM and/or Bank@Post withdrawals using rediCARD and Visa $1,000
Bank@Post cash deposit $3,000

Internet Banking/Mobile Banking

  • BPAY
  • External transfers
  • Internal transfers





Phone Banking

  • BPAY
  • Internal transfers




Mobile Banking

  • Mobile and email payments (ME2U)



Clearance days for cheques

Deposit Clearance times
Cheques via mail / over counter 3 business days
Cheques deposited at NAB 5 business days
Cheques deposited through Bank@Post 7 business days
International cheques 45 business days
  Useful Links and Tools


If you have any questions, please contact us


® Registered to BPAY Pty Ltd ABN 69 079 137 518

“Being a large bank customer all my life, I was sceptical when I was recommended a credit union by a friend. However to date, I have been impressed with the prompt customer service I have received on my everyday accounts. This goes to show the dedication staff have to their jobs and more importantly, is a representation of what Quay Credit Union is about. My whole loan process was managed by one staff member who consistently responded to my questions in a timely and efficient manner and ensured that I was kept in loop throughout the loan approval process. This greatly facilitated my ability to continue to build my investment portfolio and has evidently been the driver to me recommending Quay Credit Union to others. Well done Quay Credit Union!”

Wendy, St Leonards NSW
1 February 2012