---
title: "Everyday Direct account — Firefighters Mutual Bank"
description: "Transaction & Savings Accounts from Firefighters Mutual Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/firefighters-mutual-bank/products/d891412c-d3d4-4c1c-97ff-80ed739f620c
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T08:20:03.000+10:00
---

# Everyday Direct account — Firefighters Mutual Bank

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

**Transaction & Savings Accounts**

Your everyday transaction account with VISA Debit access.

## At a glance

- **Base rate:** 0%

## Apply

Applications are handled by the provider: [Apply at Firefighters Mutual Bank](https://www.fmbank.com.au/banking/everyday-direct)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The overdraft (RediCredit) interest rate that applies to any overdrawn amounts.) | 12.64% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 0% | Everyday Direct account_Tier_1 | monthly |
| Variable | 0% | Everyday Direct account_Tier_2 | monthly |
| Variable | 0% | Everyday Direct account_Tier_3 | monthly |
| Variable | 0% | Everyday Direct account_Tier_4 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CASH_ADVANCES_FEE — Visa Debit and Visa Credit card cash advances at other financial institutions in Australia and overseas. Individual bank branches may not offer this service and may charge additional fees (at cost). | Cash advance | $4.00 |
| INTERNATIONAL_CONVERSION_FEE — 2.90% of transaction value in $AUD collected by Cuscal Limited - 0.90% paid to Us; 1.00% retained by Cuscal; 1.00% paid to Visa International. Payable when you transact in a foreign currency using your Visa card either online or at a merchant point of sale (irrespective of where the transaction occurs; performed not in Australian Dollar; or overseas merchants transact in a foreign currency.) | Transaction | 2.9% of transaction |
| ATM_WITHDRAWALS_OVERSEAS | Transaction | $4.00 |
| TELE_TRANSFER — Tele transfer within Australia to an account at another financial institution. | Event | $13.00 |

## Features

- **Card access** — Visa Debit with payWave
- **Additional cards**
- **Unlimited transactions**
- **Overdraft available** (You can apply to have an overdraft (RediCredit) linked to the Everyday Direct account. All applications for credit are subject to responsible lending criteria and fees and charges apply. For full details visit our website.)
- **Digital wallet** — Apple Pay
- **Digital wallet** — Google Pay
- **Digital wallet** — Samsung Pay
- **Digital banking**
- **PayID**
- **Real-time payments (NPP)**
- **Bill payment (BPAY)** — BPAY
- **Notifications** — Track payments with SMS and email alerts
- **Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.**
- **Make deposits and withdrawals through a Bank@Post facility at Australia Post outlets. For full details refer to our Conditions of Use. Fees and charges apply.**

## Eligibility

- **You must be a member. Membership is open to citizens or permanent residents of Australia who are current or retired employees or volunteers in the Australian emergency services sector or are family members of members (i.e. shareholders) of the Bank.**
- **Residency status** — Individuals must be citizens or permanent residents of Australia.

## More information from Firefighters Mutual Bank

- [Overview](https://www.fmbank.com.au/banking/everyday-direct)
- [Terms & conditions](https://www.fmbank.com.au/content/dam/documents/collateral/conditions-of-use.pdf)
- [Eligibility](https://www.fmbank.com.au/banking/everyday-direct)
- [Fees & pricing](https://www.fmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf)

## Data provenance

- Published by Firefighters Mutual Bank under the Consumer Data Right
- Product ID: `d891412c-d3d4-4c1c-97ff-80ed739f620c`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/firefighters-mutual-bank/d891412c-d3d4-4c1c-97ff-80ed739f620c
- Provider page: https://www.cdrcompare.au/brands/firefighters-mutual-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000146

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/firefighters-mutual-bank/products/d891412c-d3d4-4c1c-97ff-80ed739f620c) — 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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