So I am going to be charged a fee for Nov/Dec, which should bring me under the 600 reporting threshold. Hopefully that works OK.

Man this card is more of a pain to maintain than I originally thought. Hopefully they notify us Access Investing clients before the move on how it will affect the fee status criteria. Depending I may just close it altogether... I'm only on my 2nd year.

So my understanding is that if Access Investing disappears and I'm only left with CashPlus, I would be charged $55/month + $695/year card fee - $695 credit = $660/year for card + free AU, is that right?