Encompass Credit Union

Savings and Transactions - Comparison Table

Key Features Access  Plus Account (S1) Budget Savings Account (S2) Cash Management  Account (S6) Christmas Club Account (S8) Deeming Account (S10) Emoney Account (S30) Hone Loan Offset Account (S57) Union Account (S3) Term Deposit Account
Availablity of funds At call At call At call From 1 Nov to 31 Jan At call At call At call At call At maturity
Minimum to open Nil Nil Nil Nil Nil Nil Nil Nil $1,000
Minimum to earn interest $1 $1 $1 $1 $1 $1 $1 $1 $1,000
Interest calculated Daily Daily Daily Daily Daily Daily N/A Daily Daily
Interest paid Monthly Monthly Monthly Monthly Monthly Monthly N/A Monthly Monthly, or at maturity
Access Methods
Branch Transactions Yes Yes Yes Yes Yes No Yes Yes Yes
ATM/EFTPOS Yes No No No Yes No No No No
Internet Banking Yes Yes Yes Yes Yes Yes Yes Enquires only Enquiries only
Phone Banking Yes Yes Yes Yes Yes Yes Yes Enquiries only Enquiries only
Bank@Post Yes No No No No No Yes No No
BPAY Yes Yes Yes Yes Yes Yes No No No
External credit transfers Yes Yes Yes No Yes Yes Yes Yes No
Personal cheque facility Yes No Yes No Yes No No No No
Direct credits Yes Yes Yes Yes Yes Yes Yes Yes No
Direct debits Yes Yes Yes No Yes No Yes Yes No
Periodical payments Yes Yes Yes No Yes Yes Yes Yes No