| Key Features | On Call Access Account | Cash Management Account | Plus 55s Account | Online Express Savings Account | Christmas Club Account | Little Phoenix Account | Headstart Account | Term Deposit Account |
| Availablity of funds | At Call | At Call (min transaction $500) | At Call | At Call | 1st Nov to 31st Jan | At Call | At Call |
At Maturity
|
| Minimum to open | $1 | $1 | $1 | $1 | $1 | $1 | $1 | $1,000 |
| Minimum to earn interest | $1 | $1 | $1 | $1 | $1 | $1 | $1 | $1,000 |
| Interest calculated | Daily / Tiered | Daily / Tiered | Daily / Tiered | Daily / Flat | Daily / Flat | Daily / Flat (Bonus int when one deposit & no withdrawal per mth) | Daily / Flat (Bonus int when one deposit & no withdrawal per mth) | Daily / Flat |
| Interest paid | Annually | Monthly | Monthly | Monthly | Annually | Monthly | Monthly | At maturity or monthly |
| Access Methods | ||||||||
| Branch Transactions | Yes | Yes | Yes | No | Yes | Yes | Yes | Yes |
| ATM/EFTPOS | Yes | No | Yes | No | No | No | Yes | No |
| Personalised Westpac Deposit book | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No |
| Phone Banking | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Balance enquries only |
| Internet Banking | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Balance enquries only |
| BPAY | Yes | Yes | Yes | Yes | No | No | Yes | No |
| External credit transfers | Yes | Yes | Yes | Yes | No | Yes | Yes | At maturity only |
| Personal cheque facility | Yes | No | Yes | No | No | No | No | No |
| Direct credits | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No |
| Direct debits | Yes | Yes | Yes | No | No | Yes | Yes | No |
| Periodical payments | Yes | Yes | Yes | Yes | No | Yes | Yes | No |