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ATM Access

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Following a review of ATM fees by the Reserve Bank of Australia, Hunter United along with all Australian Financial Institutions will be moving to ATM Direct Charging from 3 March 2009.

What is ATM Direct Charging?
Are there any other costs for using a Foreign ATM?
Why is direct charging being introduced?
Which ATMs will be affected by the changes?
Which transactions will incur an ATM owner fee?
What happens at Hunter United ATMs?
What will I be charged for transactions at a Hunter United, Westpac or St George ATM?
Where can I find my nearest Hunter United, Westpac or St Geogre ATM?
How can I minimise my ATM fees?

What is ATM Direct Charging?

ATM Direct Charging means that if you use another institution’s ATM - “Foreign ATM”, you will be charged directly by that ATM owner.

For example: If you withdraw $100 from another institution’s ATM, a $2.50 fee may be charged by the ATM owner and will appear on screen prior to final transaction giving you the option to decline. If you proceed with the transaction, a total of $102.50 will be directly deducted by the ATM owner at point of transaction.

Are there any other costs for using a Foreign ATM?

Hunter United still incurs a cost to process a member’s transaction at a Foreign ATM. Accordingly, each transaction at a Foreign ATM will also attract a Hunter United processing fee of 25c each which will be deducted from your account at the end of the month.

Why is direct charging being introduced?

The changes have been developed by the industry, together with the Reserve Bank of Australia and the Australian Payments Clearing Association, to give cardholders more choice and increase transparency of ATM costs.

Which ATMs will be affected by the changes?

From 3 March 2009, most of Australia’s 26,500 ATMs will show the “ATM Direct Charge Fee” set by the owner on the screen. However, about 2,500 ATMs will need to be re-programmed in the following months. These ATMs will use stickers to clearly display the ATM owner fee.

Which transactions will incur an ATM owner fee?

ATM owners will be able to charge you for withdrawals and balance enquiries. However, you cannot be charged for any transaction that is “declined” or unsuccessful.

What happens at Hunter United ATMs?

You should continue to use Hunter United ATMs as usual. In addition Hunter United has also made arrangements to share the Westpac and St George ATM network – over 2,700 ATMs in locations throughout Australia.

This means by using your Hunter United card at any Hunter United, Westpac or St George ATMs Australia wide, you can greatly reduce your ATM transaction fees by avoiding the new “ATM Direct Charge Fee”.

What will I be charged for transactions at a Hunter United, Westpac or St George ATM?

Your monthly Ezy Fee includes 5 ATM transactions per month you can use at either a Hunter United ATM, Westpac ATM or St George ATM (5 in total).

After you have used your initial 5 ATM transactions per month, the 6th and subsequent transactions in that month will be charged at $1.50 each which will be deducted from your account at month end.

Where can I find my nearest Hunter United, Westpac or St George ATM?

Please click here to download the list of Hunter United, Westpac and St George ATMs located in Newcastle and Hunter Valley.

How can I minimise my ATM fees?

You can use these simple methods to minimise any fees and charges.

  • Do your banking and lending with Hunter United so you maximise your reward rebate each month.
  • Plan your withdrawal activity on your accounts.
  • Avoid withdrawing small amounts frequently.
  • Use your card at Hunter United, Westpac or St George ATMs.
  • Take cash out during EFTPOS transactions.
  • Check your account balances and transactions by QuickCall Telephone Teller or our Ezy Net Internet Banking Facility.
  • Use Hunter United’s Ezy Pay, Visa Card or BPAY to pay bills.
  • Keep accurate records of your cheque account balance to prevent being overdrawn or having your cheque dishonoured.
  • Retain statements received for future reference rather than requesting copies.
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