Business Fees And Charges - Bendigo Bank

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Business.Fees and Charges.5 February 20211

It’s not just business banking.Table of contentsIt’s bigger than that.Section A – Transaction Account Rebates2It’s your company thriving and your customers gettingwhat they want, then coming back for more. It’s jobs inthe community and it’s your future. We think thatbusiness banking is more than just balance sheets andbudgets. Which is why we’re doing more than ever tohelp every Australian business succeed.What is a Transaction Account Rebate?2Section B – Business Accounts2Bendigo Transaction Accounts2Bendigo Savings Accounts2About this documentBendigo Trust Accounts2Bendigo Term Deposit Accounts2The Business Fees and Charges booklet providesinformation about a range of business account services,the applicable fees and transaction account rebates.However it may not include all fees applicable to youraccount.Bendigo Accounts no longer offered(existing accounts only)3Salary Sacrificing Accounts3Business Credit Cards3Business Debit Cards3You should refer to your account Standard Terms orcontact us to find out which services are available toyour account.Transaction Fees4We may change our fees, charges and transactionaccount rebates from time to time and Governmentcharges may change at any time. You can obtain acurrent copy of this booklet at any time by contacting us.ServicesThis booklet includes fees for:This document should be read in conjunction with youraccount Standard Terms, Facility Details (or otherdisclosure documents) and Schedule of Interest Rates.Section C – Business Transaction Fees and9Section D – Business Finance17Small Business Lending17Commercial Lending17Interest Rate Risk Management18Debtor Finance18 Business accounts Term Deposit accounts Business credit cards Business debit cardsEquipment Finance18 Business and commercial financeInternational Trade Services18 Business investment accounts Interest rate risk managementLoan Variation and Securities20 Debtor finance Equipment finance International servicesFor information about personal account products andservices available please contact us.1

Section A – Transaction Account RebatesSection B – Business AccountsWhat is a Transaction Account Rebate?Bendigo Transaction AccountsIf you hold an eligible account as listed in Section B of thisbooklet we will give you a monthly fee allowance (a rebate)that we will use to reduce the eligible monthly TransactionFees you incurred on your account.The period for calculating your Transaction Account Rebatecommences on the first day of each month and ends on thelast day of each month.Eligible Transaction Fees are accumulated during a calendarmonth and charged to your account on the first day of thefollowing month. On the first day of each month we willsubtract your Transaction Account Rebate from the eligibleTransaction Fees charged to your account. Any unusedrebate does not carry over to the following month.Fees that are eligible for the rebate in this booklet areidentified by ‘(R)’.AccountMonthlyService FeeTransactionAccountRebateBendigo Business EverydayAccount 15.00NoBendigo Business BasicAccountNoNoBendigo BusinessInvestment FacilityNo 25.00Bendigo AccountantEveryday Account 15.00NoBendigo Accountant BasicAccountNoNoNot-For-Profit EverydayAccountNoNoBendigo Savings RebateBendigo Business EasySaverAccountNoNoBendigo BusinessCommunitySaver AccountNoNoAccountMonthlyServiceFeeBendigo Real Estate Trust AccountNoTransactionAccountRebateNoBendigo Solicitors Trust AccountNoNoBendigo Conveyancer Trust (VIC)AccountNoNoBendigo Retention Money Trust(NSW) untRebateBendigo Standard Term DepositAccountNoNoBendigo Gold Term DepositAccountNoNoBendigo Trust AccountsBendigo Term Deposit Accounts2

Bendigo Accounts no longer offered (existing accounts ate 10.00 4.00Business Credit Card 4.005NoQantas Business Credit CardNo8NoNo 4.00b-maximised Credit CardNoNoNo 4.00Bendigo Primary ProducerAccountNo ateBendigo Business CashManagement AccountNoNoBusiness Debit Mastercard 3.007NoBendigo Schools CashManagement Accountb-packaged Debit Mastercard 3.006NoNo 10.00b-entertained Debit Mastercard 3.006NoBendigo Trust AccountNo 6.00Bendigo Business SolutionsAccountBendigo Business AccountBendigo GST ManagementAccountBendigo Club AccountBendigo Emergency ServicesAccountBendigo Community ChoicePartners AccountBendigo Business Flexi OffsetNot-for-Profit CashManagement AccountGift Fund AccountCapacity Builder AccountSocial Investment DepositAccount 10.00 20.002. Formerly Bendigo Oxfam Australia Cash Management Account orBendigo Oxfam Australia Deposit AccountNoNo4. Standard Transaction Account Rebate applies however:No 1.75No 7.00NoNo1NoNo1NoNoA further Transaction Account Rebate may be negotiated between Bendigo Bankand the customer. However, not all customers will obtain a further TransactionAccount Rebate. If a further Transaction Account Rebate is negotiated, it will becalculated based on the income earned from the monthly average balance held lessthe cost of Transaction Fees and (if applicable) is reviewed quarterly and may berenegotiated at that time.NOTE: As at 8th August 2011, existing Not-for-Profit Cash ManagementAccount holders with negotiated rebates will continue to receive their existingrebate. Cash Management accounts opened from this date (8th August 2011) willreceive Transaction Account Rebates as per the above.No 4.0045. Applies when you have a Business Credit Card linked to your account. This fee ischarged per card linked to the account and is charged to the account monthlyNoNoAvailable3 1.75No 4.006. Applies when you have a Business Debit Mastercard, b-packaged DebitMastercard or b-entertained Debit Mastercard linked to your account (excludingBendigo Business Account's with overdrafts). This fee is charged per account,regardless of the number of linked debit cards and is charged to the account on thefirst calendar day of the month7. Does not apply to the Bendigo Business Everyday Account, Bendigo BusinessBasic Account, Bendigo Accountant Everyday Account, Bendigo Accountant BasicAccount and Not-For-Profit Everyday Account.AccountBendigo Schools ManagementOur Community AccountBendigo Oxfam CommunityInvestment Account2Bendigo Community ChoiceInvestment NoBusiness Credit CardsBendigo Commercial EverydayAccountAvailableonApplicationNoBendigo Commercial BasicAccountNoNoBusiness Debit Cards1. Account exempt from eligible Transaction Fees3. Available subject to approval8. An 89 card fee applies when you have a Qantas Business Card linked to youraccount. This fee is charged per card linked to the account and is charged to theaccount annually.Salary Sacrificing Rebateb-packaged Account 2.00Nob-entertained Account 2.00Nob-maximised Account 6.00No3

Current Transaction AccountsTransactionMonthly Service tBasic 15.00 15.00N/AN/ANot-ForProfitEverydayAccountN/AFee for existingaccountsEligible foraccountrebateN/ARefer to page 3N/ACommercial accounts no longeroffered (existing accounts only)CommercialEverydayCommercialBasicWhen is fee charged? 0.00 0.00 0.00 0.00 0.00N/A 3.00N/A 0.001st of following monthSweep facility ail tedN/AUnlimitedN/AUnlimitedUnlimitedN/ABendigo Bank ATM edN/AUnlimitedN/AUnlimitedUnlimitedN/ADirect credit t al payment k@Post loan itedN/AUnlimitedN/AUnlimitedUnlimitedN/ABendigo Bank ATM edN/AUnlimitedN/AUnlimitedUnlimitedN/ACash deposit (in -Bendigo Bank ATMCard initiatedAccountantEverydayBusiness Accounts no longeroffered (existing accounts only)Available onapplication 0.00Business Debit Mastercard Feeenquiry1N/A1st of following N/AUnlimitedN/AUnlimitedUnlimitedNon-Bendigo Bank ATM imitedN/AUnlimitedN/AUnlimitedUnlimitedN/ABPAY withdrawalUnlimitedUnlimited 0.40 0.40Unlimited 5.00 0.40YesUnlimited 0.401st of following monthe-banking internal transferUnlimitedUnlimited 0.40 0.40Unlimited 5.00 0.40YesUnlimited 0.401st of following monthPhone Banking transferUnlimitedUnlimited 0.40 0.40Unlimited 5.00 0.40YesUnlimited 0.401st of following monthe-banking Pay Anyone transfer,including Osko Cash withdrawalUnlimitedUnlimited 0.40 0.40Unlimited 5.00 0.40YesUnlimited 0.401st of following monthUnlimitedUnlimited 1.75 1.75Unlimited 5.00 1.75YesUnlimited 1.751st of following monthTransferUnlimitedUnlimited 1.75 1.75Unlimited 5.00 1.75YesUnlimited 1.751st of following monthAgency withdrawalUnlimitedUnlimited 1.75 1.75Unlimited 5.00 1.75YesUnlimited 1.751st of following monthCollection itemUnlimitedUnlimited 0.70 0.70UnlimitedUnlimited 0.70YesUnlimited 0.701st of following month 3.00 3.00 3.00 3.00 3.00Unlimited 3.00Yes 3.00 3.00at time of transaction2, 3EFTPOS withdrawalUnlimitedUnlimited 0.70 0.70UnlimitedN/A 0.70YesUnlimited 0.701st of following monthBendigo Bank ATM mitedN/AUnlimitedN/AUnlimitedUnlimitedN/ABendigo Bank ATM tedN/AUnlimitedN/AUnlimitedUnlimitedN/ABank@Post withdrawal³ 4.00 4.00 4.00 4.00 4.00N/A 4.00No 4.00 4.00at time of transaction3Bank@Post deposit³Bank@Post balance enquiry 4.00Nil 4.00Nil 4.00Nil 4.00Nil 4.00NilN/AN/A 4.00NilNoN/A 4.00Nil 4.00Nilat time of transaction3N/A0.50% min 3.25Unlimited0.50% min 3.25Unlimited0.50%min 3.25 0.700.50% min 3.25 0.700.50%min 3.25Unlimited0.50% min 3.25 5.000.50% min 3.25 0.70No0.50% min 3.25at time of transaction3YesUnlimited0.50% min 3.25 0.70 10.00 10.00 10.00 10.00 10.00 10.00 10.00Yes 10.00 10.00at time of transaction2, 3EFT Credit Transfer 4.00 4.00 4.00 4.00 4.00 5.00 4.00Yes 4.00 4.00at time of transaction2, 3Periodical payment by chequePeriodical payment to other financialinstitution 3.75 3.75 3.75 3.75 3.75 3.75 3.75 3.75 3.75 3.75 5.00 5.00 3.75 3.75YesYes 3.75 3.75 3.75 3.75at time of transaction2, 3at time of transaction2, 3National Australia Bank (NAB) deposit³Cash advanceCheque acilityBusinessInvestmentFacilityBank cheque withdrawal³1st of following month¹ Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day the transaction is completed.2 Fee charged on the 1st of the following month for accounts no longer offered. 3 Fee charged on the 1st of the following month for Accountant Basic account and Accountant Everyday account.³ This Fee Will continue to be charged where the bank is notified that all customers of the account are deceased, as a service will continue to be performed. Registered to BPAY Pty Ltd ABN 69 079 137 5184

Current Savings AccountsTerm Deposit AccountsTransactionWhen is fee charged?Business EasySaverOtherBranch/Agente-bankingFreeMonthly Service FeeBusiness CommunitySaverStandard Term DepositGold Tern DepositN/AN/AN/AN/AN/ASweep facility (internal)UnlimitedUnlimitedN/AN/AN/ADirect credit (inward)UnlimitedUnlimitedN/AN/AN/ADirect debitUnlimitedUnlimitedN/AN/AN/APeriodical payment (internal)UnlimitedUnlimitedN/AN/AN/ACash deposit (in BPAY withdrawalUnlimitedUnlimitedN/AN/AN/Ae-banking internal transferUnlimitedUnlimitedN/AN/AN/APhone Banking transfere-banking Pay Anyone transfer, includingOskoCash mitedN/AN/AN/A 1.75 1.75Unlimited¹Unlimited¹1st of following monthTransfer 1.75 1.75Unlimited¹Unlimited¹1st of following monthAgency withdrawal 1.75 1.75Unlimited¹Unlimited¹1st of following monthCollection item 0.70 0.70N/AN/A1st of following monthN/AN/AN/AN/AN/ABank cheque withdrawal 10.00 10.00 10.00 10.00at time of transactionEFT Credit Transfer 4.00 4.00 4.00 4.00at time of transactionPeriodical payment by cheque 3.75 3.75N/AN/Aat time of transactionPeriodical payment to other financialinstitution 3.75 3.75N/AN/Aat time of transactionNational Australia Bank (NAB) deposit²¹For Standard Term Deposits, transactions only available seven days from the review date or initial deposit. For Gold Term Deposits only for amounts up to 25% of the initial deposit amount without interest rate reduction.² This fee will continue to be charged where the bank is notified that all customers of the account are deceased, as a service will continue to be performed.5

Credit CardsOtherCard initiatedBranch/Agente-bankingFreeTransactionWhen is fee charged?Business Credit CardQantas Business CreditCardMonthly Service FeeN/AN/A1st of following monthBusiness Debit Mastercard FeeN/AN/A1st of following monthSweep facility (internal)UnlimitedUnlimitedN/ARetail purchaseUnlimitedUnlimitedN/ABendigo Bank ATM depositUnlimitedUnlimitedN/ADirect credit (inward)UnlimitedUnlimitedN/ADirect debitUnlimitedUnlimitedN/APeriodical payment (internal)UnlimitedUnlimitedN/ABank@Post loan repaymentN/AN/AN/ABendigo Bank ATM enquiryUnlimitedUnlimitedN/ACash deposit (in branch)UnlimitedUnlimitedN/ANon-Bendigo Bank ATM enquiry¹UnlimitedUnlimitedN/ANon-Bendigo Bank ATM withdrawal¹UnlimitedUnlimitedN/ABPAY withdrawalUnlimitedUnlimitedN/Ae-banking internal transferUnlimitedUnlimitedN/APhone Banking transfere-banking Pay Anyone transfer, includingOsko by BPAY Cash /AAgency withdrawalUnlimitedUnlimitedN/A 3.00 3.00at time of transactionEFTPOS withdrawalUnlimitedUnlimitedN/ABendigo Bank ATM withdrawalUnlimitedUnlimitedN/ABendigo Bank ATM transferNational Australia Bank (NAB) deposit³UnlimitedUnlimitedN/ABank@Post withdrawal³ 4.00 4.00at time of transactionBank@Post deposit³ 4.00 4.00at time of transactionBank@Post balance enquiryN/AN/AN/ACheque withdrawalN/AN/AN/ABank cheque withdrawal² 10.00 10.00at time of transactionEFT Credit TransferPeriodical payment by chequePeriodical payment to other financialinstitution 4.00 3.75 4.00 3.75at time of transactionat time of transaction 3.75 3.75at time of transaction1Otherfinancial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee asshown. If using your credit card interest will be charged from the day the transaction is completed.2Excludes cheques drawn at settlement3This Fee will continue to be charged where the bank is notified that all customers of the account are deceased, as a service will continue to be performed.6

Regulated Trust AccountsTransactionSolicitor Trust¹Conveyancer Trust (VIC)¹Retention Money Trust (NSW)¹Monthly Service FeeN/AN/AN/AN/AN/ABusiness Debit Mastercard itedN/ARetail purchaseN/AN/AN/AN/AN/ABendigo Bank ATM depositN/AN/AN/AN/AN/ADirect credit ect ical payment ank@Post loan repaymentN/AN/AN/AN/AN/ABendigo Bank ATM nlimitedN/ANon-Bendigo Bank ATM enquiry²N/AN/AN/AN/AN/ANon-Bendigo Bank ATM withdrawal²N/AN/AN/AN/AN/ABPAY withdrawal 0.40 0.40 0.40 0.401st of following monthe-banking internal transfer 0.40 0.40 0.40 0.401st of following monthPhone Banking transfer 0.40 0.40 0.40 0.401st of following monthe-banking Pay Anyone transfer, including Osko 0.40 0.40 0.40 0.401st of following monthCash withdrawal 1.75 1.75 1.75 1.751st of following monthTransfer 1.75 1.75 1.75 1.751st of following monthAgency withdrawal 1.75 1.75 1.75 1.751st of following monthCollection item 0.70 0.70 0.70 0.701st of following monthNational Australia Bank (NAB) deposit³ 3.00 3.00 3.00 3.001st of following monthEFTPOS withdrawal 0.70 0.70 0.70 0.701st of following monthBendigo Bank ATM withdrawalN/AN/AN/AN/AN/ABendigo Bank ATM transferN/AN/AN/AN/AN/ABank@Post withdrawal³N/AN/AN/AN/AN/ABank@Post deposit³N/AN/AN/AN/AN/ABank@Post balance enquiryN/AN/AN/AN/AN/ACash advanceN/AN/AN/AN/AN/AFreeSweep facility (internal)Card initiatedBranch/Agente-bankingCash deposit (in branch)OtherWhen is fee charged?Real Estate Trust¹Cheque withdrawal³ 0.70 0.70 0.70 0.701st of following monthBank cheque withdrawal³ 10.00 10.00 10.00 10.001st of following monthEFT Credit TransferPeriodical payment by cheque 4.00 4.00 4.00 4.001st of following month 3.75 3.75 3.75 3.75 3.75 3.75 3.75 3.751st of following month1st of following monthPeriodical payment to other financial institution¹ If you have a Solicitors Trust, Real Estate Trust, Conveyancer Trust (VIC) or Retention Money Trust (NSW) as well as holding that account, you must open and maintain another Bendigo primary demand deposit account in the same name at all times. Feesassociated with the regulated trust accounts are to be debited from the primary demand deposit account.² Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day thetransaction is completed.³This fee will continue to be charged where the bank is notified that all customers of the account are deceased, as a service will continue to be performed.7

Salary Sacrificing AccountsTransactionb-maximised 2.00 2.00 6.00N/AN/AN/AN/AN/A1st of following month N/AN/AN/A 3.00N/AN/A 3.00N/A1st of following month 3.00N/AN/AN/AN/AN/AN/AN/A1st of following monthN/A 3.00N/AN/AN/AN/AN/AN/A1st of following monthSweep facility edUnlimitedN/AN/ARetail UnlimitedN/AN/Ab-packaged Debit Mastercard Feeb-entertained Debit Mastercard FeeFreeBendigo Bank ATM ct credit imitedUnlimitedN/AN/ADirect N/AN/APeriodical payment mitedN/AN/ABank@Post loan ndigo Bank ATM AUnlimitedN/AN/ANon-Bendigo Bank ATM BPAY withdrawalN/AN/AN/A 0.40N/AN/A 0.40Yes1st of following monthe-banking internal transferN/AN/AN/A 0.40 0.40 0.40 0.40Yes1st of following monthPhone Banking transferN/AN/AN/A 0.40 0.40 0.40 0.40Yes1st of following monthe-banking Pay Anyone transfer,including OskoN/AN/AN/A 0.40 0.40 0.40 0.40Yes1st of following monthCash withdrawalN/AN/AN/A 1.75N/A 1.75 1.75Yes1st of following monthTransferN/AN/AN/A 1.75 1.75 1.75 1.75Yes1st of following monthAgency withdrawalN/AN/AN/A 1.75N/A 1.75 1.75Yes1st of following monthCollection item³N/AN/AN/AN/AN/AN/A 0.70Yes1st of following monthNational Australia Bank (NAB)deposit³N/AN/AN/A 3.00N/AN/A 3.00Yesat time of transaction2Cash deposit (in branch)Branch/Agente-bankingNon-Bendigo Bank ATM enquiry1EFTPOS withdrawalCard initiatedEligible foraccountrebateb-entertainedBusiness Debit Mastercard Fee 0.70 0.70N/AN/AN/AN/A 0.70Yes1st of following monthBendigo Bank ATM withdrawalN/AN/AN/AN/AN/AN/AUnlimitedN/A1st of following monthBendigo Bank ATM transferN/AN/AN/AN/AN/AN/AUnlimitedN/A1st of following monthBank@Post withdrawal³N/AN/AN/AN/AN/AN/A 4.000Noat time of transactionBank@Post deposit³N/AN/AN/AN/AN/AN/A 4.00Noat time of transactionBank@Post balance enquiryNilNilNilN/AN/AN/ANilN/AN/ACash advanceN/AN/AN/AN/AN/AN/A0.50% min 3.25Noat time of transactionCheque withdrawalOtherWhen is fee charged?Fees for otherexistingaccountsb-packagedMonthly Service FeeGift FundAccounts no longer offered(existing accounts only)SocialCapacity BuilderInvestmentDepositN/AN/AN/A 0.70N/A 0.70 0.70Yes1st of following monthBank cheque withdrawal³ 10.00 10.00N/A 10.00N/A 10.00 10.00Yesat time of transaction2EFT Credit Transfer 4.00 4.00N/A 4.00 4.00 4.00 4.00Yesat time of transaction2Periodical payment by chequePeriodical payment to otherfinancial institution 3.75 3.75N/A 3.75N/A 3.75 3.75Yesat time of transaction2 3.75 3.75N/A 3.75N/A 3.75 3.75Yesat time of transaction2¹ Other financial institutions may charge you a fee for using their ATMs. This fee will be displayed at the time of the transaction and allows the customer to accept or decline the fee as shown. If using your credit card interest will be charged from the day the transaction is completed.2 Fee charged on the 1 st of the following month for accounts no longer offered³ This fee will continue to be charged where the bank is notified that all customers of the account are deceased, as a service will continue to be performed. Fee charged on the last day of the month for b-maximised accounts.8

Section C – Business Transaction Fees andServicesCash Deposit (in branch)This section lists banking services that are available to yourBendigo Business Bank account.When you make a deposit ‘over the counter’ at any BendigoBank branch or agent. A collection item fee may apply. Pleaserefer to the Collection Item fee in this booklet.FreeFees that are eligible for the rebate are identified by ‘(R)’.Statement FeeBank Confirmation - Audit Request¹When you or your representative (for example, youraccountant) request us to provide a written statement of yourfinancial accounts with Bendigo Bank. 60.00 per hour(Minimum charge 30.00)If you request us to provide you with a copy of a statement wewill apply a fee to each statement we re-issue to you. 5.00Transfer (in branch) (R)Payable for each copy of any document requested (apart fromcopies of documents entitled to be obtained under theNational Credit Code). 16.50When you make an ‘over-the-counter’ request at aBendigo Bank branch to transfer funds from your account toanother Bendigo Bank account (including scheduled in branchtransfers where you request one or more future datedtransfers as opposed to establishing a periodical payment orsweep facility). 1.75Branch/Agency TransactionsVoucher Search¹Agency Withdrawal (R)When you make a cash withdrawal or request to transferfunds from your account to another Bendigo Bank account atany Bendigo Bank Agency. 1.75Where you request us to search and/or retrieve voucher/s orother documentation. 60.00 per hour(Minimum charge 15.00)Document Request¹Cash Withdrawal (in branch) (R)Bulk PaymentsCollection Item (R)Bulk Payments allows customers to make multiple paymentsin one batch file (eg: for payroll payments). Bulk payment feesare inclusive of GST. They are payable by direct debit from anominated account. A tax invoice will be issued upon request.A Direct Debit Request Authority is completed as part of theapplication process.When you make a cheque deposit or deposit of paper items toany Bendigo business account. 0.70Establishment FeeOnce approved, Bulk Payment customers are charged a oneoff Establishment Fee of 99.00.EFT Credit Transfer (R)Processing feeCustomers are charged 16.5c per transaction (per accountnumber credited). 15c is charged at the time of the upload,with GST being built up and charged on the first business dayof the month.When you make a cash withdrawal from your account orpresent a Bendigo Bank cheque for cash ‘over-the-counter’ ata Bendigo Bank branch. 1.75When you make an ‘over-the-counter’ request at a BendigoBank branch to transfer funds to an account at another bank. 4.00National Australia Bank (NAB) Deposit (R)¹When you make a deposit into a Bendigo Bank account² at abranch of the National Australia Bank. To use this service, youwill need a printed deposit book that can be arranged at anyBendigo Bank branch.Bendigo Bank reserves the right to decline any request for theservice. National Australia Bank may charge other fees inconnection with this service and reserves the right not toprocess a deposit. 3.00¹ This fee will continue to be charged where the bank is notified that allcustomers of the account are deceased, as a service will continue to beperformed.² Excludes Social Investment Deposit Accounts.9

Card Initiated TransactionsBank@PostTM¹Transactions made at a Bank@Post terminal in an AustralianPost office, where this facility is available.Bank@Post Balance Enquiry FreeBank@Post Deposit 4.00Bank@Post Loan Repayments FreeBank@Post Withdrawal 4.00Bank@Post and its device mark are trademarks (registered or otherwise) ofAustralian Postal Corporation. All rights reservedBendigo Bank ATM DepositWhen you make a deposit of cash or cheques into a BendigoBank ATM. This service is only available at Bendigo Bank ATMswhich have a deposit facility.FreeBendigo Bank ATM EnquiryWhen you make an enquiry at a Bendigo Bank ATM.FreeBendigo Bank ATM TransferWhen you transfer funds from your account to anotherBendigo Bank account at a Bendigo Bank ATM.FreeBendigo Bank ATM WithdrawalWhen you make a withdrawal at a Bendigo Bank ATM or anATM that forms part of a Bendigo Bank shared ATM network.FreeEFTPOS Withdrawal (R)When you make a payment for goods and services by selectingsavings or cheque, or request cash from an EFTPOS terminalin Australia or overseas using a PIN. 0.70Non-Bendigo Bank ATM Enquiry9When you make an enquiry on your account at a non-BendigoBank ATM.Free9 Other financial institutions may charge you a fee for using their ATMs. This feewill be displayed at the time of the transaction and allows the customer toaccept or decline the fee as shown. If using your credit card, interest will becharged from the day the enquiry is completed.Non-Bendigo Bank ATM Withdrawal10When you make a withdrawal from your account at a nonBendigo Bank ATM.10 OtherFreefinancial institutions may charge you a fee for using their ATMs. This feewill be displayed at the time of the transaction and allows the customer toaccept or decline the fee as shown. If using your credit card, interest will becharged from the day the enquiry is completed.International Card TransactionsRetail PurchaseWhen you make a payment for goods and services by selectingcredit.FreeNote: Where 'credit' account is selected when making purchases using yourBusiness Debit Mastercard, b-packaged Debit Mastercard, b-entertained DebitMastercard or Business Credit Card or Qantas Business Credit Card.Card Services (other)Credit Card Default FeeWhen your minimum repayment on a Bendigo credit cardexceeds 25.00 and it has not been made 30 days after thedue date. This fee is charged to your account at the end of themonthly statement period. 15.00Emergency CashBusiness Debit Mastercard or Business Credit Cardcardholders. 100.00Personalise My CardYou can request the Personalise My Card service for yourBusiness Debit Mastercard or Business Credit Card. This fee ischarged for each card issued using an uploaded image orgallery image. 10.00Replacement personalised card using a new image that youupload or a gallery image. 10.00Replacement CardReplacement, reissue or redirection fees:Standard PostDomestic Express PostDomestic Toll CourierInternational Registered PostInternational CourierFree 15.00 15.00 15.00 60.00Emergency replacement of a Business Debit Mastercard, bpackaged Debit Mastercard, b-entertained Debit Mastercard,b-maximised Credit Card, Business Credit Card or QantasBusiness Credit Card lost or stolen overseas, within 72 hoursof request. 100.00Replacement PINIssue of a replacement Personal Identification Number (PIN)for a Business Debit Mastercard, Bendigo Easy Money card, bpackaged Debit Mastercard, b-entertained Debit Mastercard,b-maximised Credit Card, Business Credit Card or QantasBusiness Credit Card.Free¹This fee will continue to be charged where the bank is notified that allcustomers of the account are deceased, as a service will continue to beperformed.Refer to International Services heading.10

Sales Voucher Retrieval¹Cheque Cancellation Fee¹Applies if we make a retrieval request for a sales voucher for anon-PIN generated transaction and the retrieval request iswithdrawn or determined as being a valid transaction. 10.00 per retrievalWhen you request us to place a stop on a cheque(other than a lost or stolen cheque) you have issued.Cash AdvanceMeans credit provided in the form of cash, either directly fromus or from another financial institution, and credit providedthrough a Pay Anyone transaction, a Bendigo Phone Bankingtransaction or a Bendigo e-banking transaction.0.50% (Minimum charge 3.25)Note: When you provide a merchant with your BSB and account number in orderto establish a direct debit payment to your card account, this transaction willalso be treated as a cash advance. 5.00Cheque Dishonour (Inward)¹When you deposit a cheque into your account and that chequeis subsequently dishonoured by the financial institution onwhich it was drawn. 10.00Cheque Dishonour (Outward)¹When we dishonour a cheque, you have written. 10.00Cheque Search¹Cash Order or Exchang

Basic Account, Bendigo Accountant Everyday Account, Bendigo Accountant Basic Account and Not-For-Profit Everyday Account. 8. An 89 card fee applies when you have a Qantas Business ard linked to your C account. This fee is charged

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