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Hi Rolf Thanks for that...most recent account opened in Sep 05. Just checked the statements - one is a Home Loan Interest Saver (presume the HLIS you mentioned), the other (more recent)is called an ANZ One statement. I've never noticed the difference before - all I cared about were that...

Do you mean you have only one offset account, and ANZ want to charge fees for the second account? We have two loans with ANZ under their Breakfree package, and each has an offset account attached to it. We don't pay fees on either of the two offset accounts. Marg