Which bank / financial institution offers the best deal to the Australian general public for VISA Debit Cards?

Question

In your experience or opinion, which Australian only banks or financial institutions offer the best deal to the general public for VISA debit cards.
In order of importance to me, please provide details about:

The name of the bank or financial institution

Their physical location, such as nationwide (which country/ies), statewide (include state), local only (include locality).

A means of contact, such as phone, email, street address, website, etc

Your personal opinion of them!

Issues that concern me are annual account keeping fee, Australian AND overseas ATM withdrawl AND account balance check, the over-limit fee, transfer costs from same AND other banks in both directions, and the interest rate when "in the green" in debit AND when "in the red" overdrawn in credit.

I currently have information about ANZ Bank, National Australia Bank, Bendigo Bank, St George, StateWest, and a few others. These and other "big name" banks are the ones I want more information about. :O

Answer 1

I reakon Police and Nurses.
I have a visa that links to my savings account but is really a debit card(looks and acts like a credit card to the outside world)

Answer 2

Powerstate Credit Union

Answer 3

Barclays