Key Features	Access	Goal	NetPlus	SaverPlus	Christmas Club	Term Investment
Interest rates	View our interest rates
Availability of funds	At call	At call	At call	At call	1 Nov - 31 Dec	At maturity
Minimum opening balance	$1	$1	$1	$500	$1	$2,000
Interest income	Calculated daily, paid annually	Calculated daily, paid twice yearly	Calculated daily, paid monthly	Calculated daily, paid twice yearly	Calculated daily, paid annually	Calculated daily, paid at maturity
Line of Credit available	Yes	No	No	No	No	No
Access Methods
Branch Transactions	Yes	Yes	No	Yes	Yes	Yes
ATM / EFTPOS	Yes	No	No	No	No	No
Bank @ Post	Yes	No	No	No	No	No
Internet & Telephone Banking	Yes	Yes	Yes	Yes	No	Enquiries only
BPAY	Yes	Yes	Yes	Yes	No	No
Direct debits & credits	Yes	Yes	Yes	Yes	Credits only	No
Personal cheque facility	Yes	No	No	No	No	No