Perfect for Everyday banking and purchases using your own money
Low cost banking No monthly account-keeping fee and no minimum deposit required
Convenient access Free access to over 3,000 ATMs Australia-wide and 24/7 online banking
Debit card Free Debit MasterCard®
Security Every time you press 'credit' your purchases are protected by MasterCard® Zero Liability#
Free ATM access at more than 3,000 ATMs across Australia including ME Bank, Westpac, St.George, Bank of Melbourne and BankSA ATMs
Free EFTPOS transactions
Unlimited BPAY® and PayAnyone transactions
Unlimited direct debits and credits
Tap & Go™ with MasterCard PayPass™ for purchases under $100
Peace of mind with MasterCard Zero Liability® for protection against fraud and unauthorised transactions#
Choice of card colour - Lime, Metallic or Pink (supporting the National Breast Cancer Foundation)
Benefit from MasterCard's Promotions and Exclusive Programs
MasterCard’s SecureCode for enhanced online security at participating merchants


Interest Rate There is no interest earned with the EveryDay Transaction Account
Monthly account-keeping fee  No fee 
Debit MasterCard® No fee

(purchase and/or cash out)

No fee

ATM cash withdrawals and balance enquiries at ME Bank, Westpac, Bank of Melbourne, St.George or BankSA ATMs

No fee
Withdrawals and balance enquiries at all other Australian ATMs may incur an ATM operator fee charged by the ATM operator

International ATM balance enquiries 

No fee
Withdrawals and enquiries at international ATMs may also incur an ATM operator fee charged by the ATM operator

International ATM withdrawals

$4 per withdrawal1
Withdrawals and enquiries at international ATMs may also incur an ATM operator fee charged by the ATM operator

Foreign currency conversion fee for cash withdrawals and purchases 


2.50% of AUD value2

Withdrawals and enquiries at international ATMs may also incur an ATM operator fee charged by the ATM operator

(cash withdrawal, cash or cheque deposit, balance enquiry)


Cheque book (50 leaves)


Cheque book dishonor fee
When you write a cheque but do not have enough cleared funds


Purchase of a bank cheque


Repurchase of a bank cheque
When you return a bank cheque you have purchased to credit funds back into your ME Bank account


Replacement of a bank cheque that may have been lost or stolen


Stop payment on a personal cheque


Special answer
When you ask us to process a cheque sooner than the standard timeframes


Request to change colour of card


Emergency replacement card within Australia


Emergency replacement card outside Australia


Emergency cash


Duplicate or interim statement

 $5 per statement2

Telegraphic transfer (domestic only)


Trace fee
When you request ME Bank to investigate a transaction that has been posted to your account. Note, the fee will be waived if the trace shows that the transaction has been incorrectly posted to your account 


Voucher retrieval
When you request ME Bank to produce a voucher or other documents in relation to the conduct of your account (e.g. a copy of a cheque)

$5 per document or $60 per hour, whichever is less2

Direct entry dishonour fee
When any outgoing direct entry payment from your ME Bank account is dishonoured due to a lack of cleared funds in your account


Overdrawn account fee
If your account is overdrawn at any time


 Cheque written

No fee

1 Charged last day of the month and upon account closure

2 Charged to your account immediately

Pink Debit MasterCard

We've joined with the National Breast Cancer Foundation to create the Pink Debit MasterCard.

Every time you make a purchase using your Pink card, ME Bank will donate 1 cent to the National Breast Cancer Foundation's research projects.

Breast Cancer is one of the major causes of cancer death in Australian women, accounting for 2,800 lives each year. Approximately 14,000 cases will be diagnosed this year, including at least 100 men.

To date, the National Breast Cancer Foundation has allocated more than $55 million to more than 230 research projects in Australia. With your help, we can do more.

Things you should know.

# MasterCard Zero Liability protection is subject to meeting MasterCard's conditions. For full details of the MasterCard Zero Liability policy and conditions visit

MasterCard and the MasterCard brandmark are registered trademarks of MasterCard International Incorporated. Tap & Go and PayPass are trademarks of MasterCard International Incorporated. BPAY® Registered to Bpay Pty Ltd ABN 69 079 137 518. 

Fees and charges apply. Terms and conditions available on request. This is general information only and you should consider if this product is appropriate for you.