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Precisely this is why you need to do your homework there is an offset account (titled "X OFFSET") linked/attached to the loan account It is not a convenional loan account (First Mac are not licensed to hold deposits for one) it is a loan redraw as Rolf, Pete and others have now stated...

It is not a matter of not getting behind them more as i have known Kim Cannon for nearly 15 years back in his Nationale days but still disgaree it is an offset account in the true sense of the world.

MP, Interesting i thought i knew the details of the First Mac product being Brisbane based and to my knowledge the product never had a 100% offset account linked to it. I guess like anything you have to read the small print.