---
title: "Everyday Business Account — Maitland Mutual Limited"
description: "Transaction & Savings Accounts from Maitland Mutual Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Everyday_Business
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-03T15:28:57.000+10:00
---

# Everyday Business Account — Maitland Mutual Limited

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

**Transaction & Savings Accounts · The Mutual Bank**

A business transaction account.

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Business Overdraft Variable Rate. Minimum rate, margin may apply.) | 10.79% | — | — |
| Variable (Commercial Overdraft Variable Rate. Minimum rate, margin may apply.) | 12.04% | — | — |
| Penalty | 20% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| CHEQUE_DISHONOUR — A dishonoured cheque is a cheque that is not paid by the financial institution on which it is drawn. A dishonour fee will apply each time the cheque is presented for payment and dishonoured. | Event | $9.00 |
| DIRECT_ENTRY_DISHONOUR — Payable when a direct entry (inward and outward) is dishonoured. | Event | $9.00 |
| DOCUMENT_FEE — $60.00 per hour (subject to minimum $10.00 per copy). Payable if you request copies of documents such as withdrawal forms or statements, or you ask us to verify a transaction performed on your Account e.g. evidence of a Visa Debit Card purchase. | Event | $60.00 |
| FOREIGN_CURRENCY_CONVERSION_SERVICE_FEE — A 1% service fee on the Australian dollar equivalent is payable for foreign currency transactions using your Mutual Visa Debit Card. | Transaction | 1% of transaction |
| MISCELLANEOUS_SERVICE_FEE — $60.00 per hour. Payable if you request information not covered by the Document Fee. | Event | $60.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_AUSTRALIAN_CURRENCY — Payable if we assist you send funds electronically overseas in Australian dollars. | Event | $50.00 |
| OVERSEAS_TELEGRAPHIC_TRANSFER_(OUTWARD)_-_FOREIGN_CURRENCY — Payable if we assist you send funds electronically overseas in a foreign currency. | Event | $30.00 |
| PHYSICAL_FOREIGN_CURRENCY — 1% of Australian currency equivalent amount. Payable when physical foreign currency is issued or purchased. | Transaction | 1% of transaction |
| UNCLAIMED_MONIES_FEE — The lessor $20.00 or account balance. Payable when an account is classified as dormant. | Cash advance | $20.00 |
| REPLACEMENT_CARD_FEE_(INTERNATIONAL) — Payable if you request a replacement card when overseas via Visa Global Cardholder Assistance Service (GCAS), payable when the request is processed. | Event | $100.00 |
| REPLACEMENT_CARD_FEE_-_VISA_DEBIT_CARD — $Nil - Payable if you request a replacement Visa Debit Card. | Cash advance | Variable |
| ONLINE_INTERNATIONAL_TRANSFER_(OUTWARD) — Payable if you use online banking to transfer funds internationally. | Event | $30.00 |
| BECS_SPONSORSHIP — Subject to approval if your business requests sponsorship within BECS. $500.00 upfront fee, $0.25 per non direct debit item for The Mutual Bank, $Nil per direct debit item for The Mutual Bank. | Upfront | $500.00 |
| ATM_OWNER_FEE — This fee amount is disclosed at the time of the ATM transaction and charged by the ATM owner for an ATM transaction including an ATM enquiry. | Cash advance | Variable |
| AGENTS_COSTS_OVERDRAFT — May apply if overdraft facility approved. Not ascertainable. Payable to us or our solicitor or their agent when they attend to the registration of a discharge of mortgage at your request or when an agent is required to attend a settlement, produce or lodge documents at the Lands and Property Services division of New South Wales Department of Lands or its equivalent in other jurisdictions. | Cash advance | Variable |
| CONSENT_FEE_OVERDRAFT — May apply if overdraft facility approved. Per consent. Payable to us when you ask us to consent to leasing, subdividing or any other dealing in relation to the security property. | Event | $200.00 |
| DEFAULT_ADMINISTRATION_FEE_OVERDRAFTS — May apply if overdraft facility approved. Payable to us when you are in default because you have not (or a security provider has not) performed an obligation on time (including any obligation to pay money). | Event | $50.00 |
| DISCHARGE_ADMINISTRATION_FEE_OVERDRAFT — May apply if overdraft facility approved. Per security. Payable to us each time we release a security. | Event | $200.00 |
| DUPLICATE_FEE_OVERDRAFTS — May apply if overdraft facility approved. Per copied document. Payable to us when we provide a copy of a document at your request. | Event | $20.00 |
| DUPLICATE_STATEMENT_FEE_OVERDRAFTS — May apply if overdraft facility approved. Payable to us when we provide a copy of a statement at your request. | Event | $7.00 |
| INFORMATION_FEE_OVERDRAFTS — May apply if overdraft facility approved. $1.00 per minute ($20.00 minimum fee). The fee will be calculated on the actual time spent retrieving and providing the information requested. Payable to us to provide information and that information is provided in writing. | Cash advance | $20.00 |
| PRODUCTION_FEE_OVERDRAFTS — May apply if overdraft facility approved. Per document per production, plus any agents fees. Payable to us if we produce a document to the Land and Property Information division of the NSW Department of Lands or its equivalent in other jurisdictions. | Event | $200.00 |
| RENEGOTIATION_FEE_OVERDRAFTS — May apply if overdraft facility approved. Amount available on application. Payable to us whenever we agree to renegotiate or vary conditions on your loan other than altering interest rate options. | Cash advance | Variable |
| SECURITY_SUBSTITUTION_FEE_OVERDRAFTS — May apply if overdraft facility approved. Per new security. Payable to us to substitute a new security for an existing one. | Event | $300.00 |
| LOAN/OVERDRAFT_SERVICE_FEE_COMM — Minimum fee $50.00 per quarter. Amount available on application. Fee is debited on your account quarterly in arrears on the last day of March, June, September and December. | Cash advance | $50.00 |
| SETTLEMENT_FEE_OVERDRAFTS — May apply if overdraft facility approved. Per settlement. Payable to us each time we or our solicitors attend settlement in connection with a security. | Event | $150.00 |
| VALUATION_FEE_OVERDRAFTS — May apply if overdraft facility approved. Valuation fees are available upon enquiry. Valuation Fees are payable in relation to each property to which a loan is secured, and may vary according to the location of the secured property. | Cash advance | Variable |
| OVERDRAWN_FEE — If your Account is overdrawn, without our prior agreement, a fee will be charged each time this occurs. Penalty interest (at the rate disclosed on the Deposit Interest Rate Schedule) will also be charged until the Account is brought back in order. | Event | $9.00 |
| DORMANT_ACCOUNT_FEE — This fee is charged to each of your Deposit Accounts closed due to dormancy. The lesser of $20.00 or the account balance. | Event | $20.00 |

## Features

- **Additional cards**
- **Bill payment (BPAY)** — BPAY (Pay bills using BPAY)
- **Card access** — Visa Debit Card
- **PayID**
- **Real-time payments (NPP)**
- **Overdraft available** (Available to approved applicants only)
- **Notifications** — Mutual Alerts - Balance, low and high balance, deposit, withdrawal
- **Digital banking**
- **Digital wallet** — Apple Pay and Google Pay
- **Staff assisted transactions - Branch and Contact Centre**
- **Unlimited transactions**

## Eligibility

- **Business customers** (A domestic business with an ABN or ACN where relevant (e.g. company, sole trader, partnership, association, trust))
- **Where an overdraft is approved, the overdraft will be secured by residential property, commercial property and/or business assets**

## Constraints

- **Opening balance** — $0.00
- **Minimum balance** — $0.00

## More information from Maitland Mutual Limited

- [Overview](https://www.themutual.com.au/business/transaction-accounts/everyday-business-account/)
- [Terms & conditions](https://www.themutual.com.au/help-support/important-documents/)
- [Eligibility](https://www.themutual.com.au/help-support/important-documents/)
- [Fees & pricing](https://www.themutual.com.au/help-support/important-documents/)

## Data provenance

- Published by Maitland Mutual Limited under the Consumer Data Right
- Product ID: `Everyday_Business`
- Last updated by the provider: 3 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/maitland-mutual-limited/Everyday_Business
- Provider page: https://www.cdrcompare.au/brands/maitland-mutual-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000203

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/maitland-mutual-limited/products/Everyday_Business) — 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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