---
title: "PENSIONER CHOICE — Darling Downs Bank"
description: "Transaction & Savings Accounts from Darling Downs Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/darling-downs-bank/products/S10
source: "CDR Compare"
language: en-AU
last_updated: 2026-02-13T08:37:06.000+10:00
---

# PENSIONER CHOICE — Darling Downs Bank

> Transaction & Savings Accounts from Darling Downs Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · WARWICK CREDIT UNION**

PENSIONER CHOICE

## At a glance

- **Base rate:** 1.6%

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0.35% | PENSIONER CHOICE_Tier_1 | monthly |
| Variable | 1.1% | PENSIONER CHOICE_Tier_2 | monthly |
| Variable | 1.6% | PENSIONER CHOICE_Tier_3 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ATM_TRANSACTION_FEE_BALANCE_ENQUIRY — ATM Fees are debited to the account with which the card is linked as part of end of day processing | Event | $1.50 |
| ATM_TRANSACTION_FEE_OTHER_ATM_WITHDRAWALS — ATM Fees are debited to the account with which the card is linked as part of end of day processing | Transaction | $1.50 |
| CHEQUE_BOOK_ISSUE_100_CHQS — Fee payable every time a cheque book is supplied to a customer | Payment | $32.00 |
| CHEQUE_BOOK_ISSUE_200_CHQS — Fee payable every time a cheque book is supplied to a customer | Payment | $65.00 |
| CHEQUE_BOOK_ISSUE_25_CHQS — Fee payable every time a cheque book is supplied to a customer. | Payment | $8.25 |
| ENCODED_DEPOSIT_BOOK_ISSUED — Fee payable ever time an encoded deposit book has been issued to a customer | Payment | $3.00 |
| MEMBERSHIP_FEE — Charged when becoming a customer of WCU | Ongoing | $5.00 |
| PERIODIC_PAYMENT_FEE_BRANCH_ACTIONED — Transfers to a non-WCU Account.  WCU to WCU are free | Transaction | $6.50 |
| PHONE_ASSISTED_TRANSFERS — Only charged when staff assistance is required to transfer funds over the phone | Transaction | $2.50 |
| STATEMENT_FEE — When paper statements are requested - charged on statement cycle | Ongoing | $2.00 |
| VISA_DEBIT_CARD_REPLACEMENT — Charged unless proven compromised or stolen | Event | $12.00 |

## Features

- **Card access** (Visa Debit Card)
- **Additional cards** (Additional Visa Debit Cards available)
- **Unlimited transactions** (Unlimited in branch transactions)
- **Offset account** (100% mortgage offset available)
- **Digital wallet** (Apple Pay and Google Pay)
- **Digital banking** (Internet Banking and WCU Connect App)
- **PayID** (Osko PayID supported)
- **Real-time payments (NPP)** (Osko PayID and BSB and Account Number supported)
- **Personal Cheque Book facility**

## Eligibility

- **Pension recipients** (You must be receiving a pension or allowance from Centrelink or Veteran Affairs and the pension or allowance must be paid directly into the account)
- **Residency status** (Individuals must be citizens or permanent residents of Australia)
- **Must be a member of the Credit Union**

## Data provenance

- Published by Darling Downs Bank under the Consumer Data Right
- Product ID: `S10`
- Last updated by the provider: 12 February 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/darling-downs-bank/S10
- Provider page: https://www.cdrcompare.au/brands/darling-downs-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000232

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/darling-downs-bank/products/S10) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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