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Don't let Aussie banks to rape you. Finnish & swedish banks tried it for me... Finnish fuckers wanted 0.25% or at least ? 11 per check... I swicthed about all of my banking to better countires. Not to say that 0.25 % is much, but why give money away if you could get everything nearby 0% ???
Funny... I had recently a small issue with a one finnish bank about checks, they refused to take them. I get mad and faxed to 7 big US banks a small letter telling that their checks are crap in Finland... Next day finnish bank manager called and offered to clear checks for 0%. Finnish are crazy - just like I am.
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