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My Freedom Account (S3) is a transaction account for persons aged 55 years and above and who no longer work full time. Funds in your S3 account are available at call, subject to clearance of cheques and any outstanding Visa authorisations.

You can access your funds in a number of ways, such as by presentation of a signed withdrawal form, cheque withdrawals, withdrawals via Merchants, ATM or EFTPOS using your VISA card, by Direct Debit or by an authorised Periodical Payment. Some of these facilities require an application to be completed prior to them being available on your S3 account, and may be subject to fees or charges. Please refer to the Fees and Charges section for associated costs.

Interest is calculated on the minimum monthly balance and credited to the account on March 31 each year or when the account is closed.

My Freedom Account is only available to members who are aged 55 years or older and no longer working full time.