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