If a transaction is made but settles in the following calendar month then the transaction will be counted in the following calendar month. Transactions that are not settled (are pending) do not count towards the Bonus Criteria. This does not include cheques written or deposited, branch cash withdrawals, transfers or payments to any BOQ account or to a non-BOQ account via Internet Banking, in branch or at ATMs, transfer of funds to accounts held at an overseas bank, BPAY payments and pending Visa Debit Card transactions. at least 5 direct debit transactions, ATM withdrawals or purchases of goods or services from a Merchant are made in the prior calendar month by using your eftpos Card or BOQ Visa Debit Card associated with your linked Everyday Business Account. This excludes amounts transferred from another one of your BOQ Accounts including any Account you may be linked to as an Authorised User or joint Account holder a minimum of $5,000 is credited to the linked Everyday Business Account in the prior calendar month. Bonus Criteria will be met where both the following conditions are met: 15A Bonus Interest variable rate will only be paid if Bonus Criteria are met in the previous month.