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Speaking from my perspective as an experienced forex trader assessing brokers, the fee structure at CMCU raises several points requiring careful consideration. According to their official details, most CMCU accounts incur a $5 monthly access fee, which is already higher than what I typically expect from the more competitive forex brokers. When it comes specifically to deposit and withdrawal fees, CMCU's documentation mentions fees attached to various forms of transactions—such as cash withdrawals in-branch being charged at $2.50, BPAY and electronic transfers at $0.50, OSKO payments at $0.20, and staff-assisted transfers at $2.50 per transaction. While these charges do not specifically separate “deposit” from “withdrawal,” in my direct experience with Australian financial institutions, such listed fees usually apply to account activities that cover both withdrawals and some deposit-related transfers, especially when handled in-branch or with staff assistance. The recurring and transactional fees, especially for anything beyond basic electronic transactions, can eat into returns, which is a considerable downside for active traders or frequent movers of funds. Given the lack of full clarity and the presence of multiple layered fees, I must remain cautious. Transparent and minimal fee structures are important for me, and the complexity here introduces unnecessary risks. I always recommend fully reviewing every charge applicable to deposits, withdrawals, and ongoing account maintenance before making any firm commitment. For traders who value cost efficiency and transparency, these fees and policies are significant and warrant careful review.