ANZ Access Advantage

Mozo snapshot:

The ANZ Access Advantage account is your standard bank account with unlimited ANZ ATM access, internet and phone banking. It has a $5 monthly service fee which is value for money if you need regular branch access or teller assistance (This fee is waived if you deposit $2000 into your account each month). If you do all your banking electronically there are other fee free options on the market that are worth considering. You can also get an image of your choice on your card for free, so this could be Fluffy or Buster's chance to finally score a place in your wallet!

Key features:

There are no minimum opening deposits or minimum balance requirements with an ANZ Access Advantage account. You'll get unlimited transactions from ANZ ATMs, phone and internet banking, full branch access, and EFTPOS.

As with most everyday transaction accounts the interest on balances is minimal - 0% on balances under $50,000, 0.01% above $50,000 and 0.02% over $100,000.

The ANZ Access Advantage account comes with a Visa debit card that has PayWave access and Apply Pay for iPhones, so you can make transactions under $100 simply by flashing your card. Plus Visa debit transaction have ANZ's Falcon fraud protection monitoring so you'll have peace of mind when online shopping.

If you're heading overseas you'll need to plan carefully if you want to avoid high fees with the ANZ Access Advantage. Overseas ATM withdrawals cost $5 a pop and purchases attract a 3.0% foreign exchange commission.

Who it's good for:

The ANZ Access Advantage is particularly good for anyone who needs full branch access on a regular basis as all over the counter and teller assistance is included in the $5 monthly fee.

If you are a full time student or you deposit over $2000 each month into the account, the monthly account fee can be waived.