This document must be read together with the Summary of Accounts and Availability of Access Facilities and the Conditions of Use.

Together these brochures form the Conditions of Use for the South West Slopes Credit Union Account & Access Facility.

Emergency card or cash overseas

  • Approved USD$175.00 per card
  • If the request is declined or cancelled USD $50.00 per card


Currency Conversion Fee

  • Visa Credit 1.5% of the transaction amount will apply to any foreign currency.
  • Visa Debit 2% of the transaction amount will apply to any foreign currency.


Card Replacement Fees

  • Where replacement of a Visa Card is required, a $15.00 card replacement fee is payable at the time of requesting the new card. There is no charge for renewal or expired cards.


Chargeback & Voucher Retrieval Fee

  • Minimum of $30.00 per transaction lodged per Visa Dispute plus any additional fees incurred.
  • Minimum of $20.00 per transaction lodged per EFT Dispute plus any additional fees incurred.


Overlimit Fee

  • When a Visa Credit Card is over the approved credit limit a $30.00 fee applies.


Annual Fee

  • Visa Classic Credit Card $30.00 per annum.


Monthly Repayment

  • Visa Classic Credit Card has a minimum monthly repayment of 3% of the account debit balance on the last day of the statement period or $20.00 whichever is the greater or the account balance if it less than $20.00.


Transaction Fees

  • Excess Transaction fees do not apply where the <credit> option is selected at EFTPOS terminals. Cash out option not available at EFTPOS terminals where <credit> option is selected for all Visa Cards. Up to 55 days interest free on purchases applies to Visa Credit cards.

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Important information

Schedule of Fees and Charges and Transaction Limits

Third Party Fees and Charges – Any Fees and Charges charged to the Credit Union, including Government charges or charges by other Financial Institutions for products and services obtained on behalf of the member/s will be passed on to the member/s. All fees and charges, unless specified otherwise, will be charged to the account on the day it is incurred. All third party fees are subject to change without notice.

The ATM Direct Charging Fee is charged by the ATM Owner at the time of the transaction (ATM Partner Fee). This fee is at the discretion of the ATM Owner. SWSCU has no control over this fee.