S1 On Call Account

Transaction & Savings AccountsNegotiable ratesCENTRAL WEST CREDIT UNION LTDData Sharing Status

Sign up to start your financial journey with Central West Credit Union with our On-Call Account, an everyday access account with the option to add a Visa debit card and Internet Banking.

Base rate: 0.05%

Apply at Central West CUL

Interest Rates

Type	Rate	Comparison	Applies To
Variable A overdraft facility is allowed on this account. Debit interest is charged every month.	0%	—	—

Deposit Rates

Type	Rate	Applies To	Interest Paid
Variable	0.05%	S1 On Call Account_Tier_1	yearly
Variable	0.05%	S1 On Call Account_Tier_2	yearly

Fees

Fee	Type	Amount
DECLINED_ATM/EFT_FEE Capped at $0.00 −$1.50 — Under 18 years of age	Cash advance	$0.50
DIRECT_DEBIT_REJECTION_FEE Capped at $0.00	Cash advance	$10.00
EFTPOS Capped at $0.00 · Discounts apply −$50,000.00 — Relationship Balance −$0.90 — Under 21 years of age	Cash advance	$0.50
MONTHLY_VISA_CARD_FEE Capped at $0.00 · Fee is applicable to active cards only −$50,000.00 — Relationship Balance −$2.50 — Under 16 years of age	Cash advance	$2.00
OVER_THE_COUNTER_CASH_WITHDRAWALS Capped at $0.00 · Discounts apply −$1.50 — Under 18 years of age −$50,000.00 — Relationship Balance	Cash advance	$1.50

Features

Card access — Visa debit card
Unlimited transactions
Digital wallet — Apple, Samsung & Google Pay
Digital banking
Unlimited transactions
Funds at Call
Overdraft available

Eligibility

Residency status — Australian Residents only
Minimum age of 18 applies if applying for an overdraft

More Information

Published by Central West CUL under the Consumer Data Right · Last updated 30 May 2026 · Product ID On_Call · View on CDR.gov.au