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From checking your account balance, to paying your credit card, or withdrawing cash, there's a smarter, cheaper way to do your day-to-day banking.

• View and print previous statements for free
  With Internet Banking, you can view your statements from the previous 7 years and print as many copies as you like, at no charge. Over the counter copies of past statements cost $7.50 per statement.
  
  
• Save $1.85 when you withdraw cash from our ATMs (excludes Bonus Saver Accounts)
  Once you reach your account's fee-free transaction limit, withdrawals cost 65c at our ATMs instead of $2.50 over the counter. That's a saving each time of $1.85.
  
  You also pay fees for using other banks' ATMs. To avoid these fees, be sure to use our ATMs - there are over 1500 Westpac ATMs in Australia.
  
  
• Save $5 when withdrawing cash overseas
  Travelling overseas? You can avoid the $5 overseas ATM cash withdrawal fee if you use MasterCard/Cirrus ATMs in the following countries to withdraw cash from your savings or cheque account.

Country	MasterCard/Cirrus ATM Network
New Zealand	Westpac
Fiji, Vanuatu, Cook Islands, Samoa, Tonga	Westpac Pacific Banking
France	BNP Paribas
Germany	Deutsche Bank
Canada, Carribean, Mexico	Scotiabank
UK, Africa	Barclays Bank
USA	Bank of America

• Pay by EFTPOS and get cash out for free
  At many retailers you can pay by EFTPOS and withdraw cash at the same time. This counts as one withdrawal and can help you avoid transaction fees for excess withdrawals.
  
  
• Pay bills using BPAY
  Accounts with a cheque facility attract tax (where applicable) on all withdrawals made from that account. You also pay a $1 fee for each cheque written after you have reached your account's fee-free transaction limit.

So ask yourself, do you really need a cheque account? You can pay your bills using BPAY through Internet Banking and Telephone Banking.

Do more than pay bills with Internet Banking
View all your Westpac accounts in one place, move money between these accounts, schedule payments up to 90 days in advance, and transfer money overseas. Find out more with our Internet Banking User's Guide.

Final tip – keep an eye on your bank fees
We've introduced transaction fee summaries on statements so you'll be able to see at a glance the banking services you've used, how often you used them and how much they cost you. Keep an eye on this and wherever possible try to change your banking habits by adopting the tips above.

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