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We're finding the reverse, we're with credit unions with no loans or anything so our 'portfolio' is very small. With the change in fees structure they've snuck in over the years we're actually paying a small fortune in credit union fees. Having the loan and transaction account with CBA it is...

CBA insisted we open a regular transaction account with them when we refinanced, and takes the payments out of that. I don't think we were even given an option of another account at a different bank. We transfer money every fortnight from our respective credit union accounts to the CBA...