I'll bite, and answer the questions as my first post here.
First and foremost, all information is available on the ebucks website, its not a secret, just take some reading time. https://www.ebucks.com/web/eBucks/earn/earn-from-the-bank-2019.jsp
#1 Does the bank account type make a difference?
It does.There are certain caps on the earning.
Gold for example is capped on earning ebucks on a maximum spend of R7500 in-store and online. Earn rules @ https://www.ebucks.com/web/eBucks/earn/fnb-gold-2019.jsp
Premier for example is capped on earning ebucks on a maximum spend of R10000 in-store and R2500 online. Earn rules @ https://www.ebucks.com/web/eBucks/earn/fnb-gold-2019.jsp
For both, your checkers earn is capped at 20% of total monthly spend and R1750 for gold or R2000 for Checkers.
To get to that 15% earn for checkers, you need to be on ebucks reward level 5. To understand this, you need to look at "Maximise your points to reward level 5" on https://www.ebucks.com/web/eBucks/earn/fnb-gold-2019.jsp or https://www.ebucks.com/web/eBucks/earn/fnb-premier-2019.jsp
#2 FNB Fusion Gold VS FNB Fusion Premier – Which is best for ebucks?
The level account you go for, depends on both how big your income is and more importantly, how much you spend each month.
The spend caps for in-store spend is a good indicator. R10k a month or less spend, then go Gold. If your spend is closer to R15-20k a month then go Premier.
If your spend is less than R5k a month skip fnb/ebucks altogether.
#3 Does your ebucks cover your monthly bank account fee?For me, it far exceeds my monthly account fees!
I am on Private Clients which costs R390 a month (with no additional fees). I earn R2000 worth of ebucks a month, and spend it only on 40% discounted items/vouchers which means that R2000 become an effective R3334.
Then there are other benefits like free lounge visits at airports, avis free point-2-point, R100 Kauai voucher each month, FNB on the wimpy voucher, 500MB data free on the FNB sim ect.
I use most of those benefits, its insane to turn it down...if you spend enough each month on your card.
#4 Will ebucks benefit me?
You will need to make changes to your payments to make ebucks benefit you.
EFTs count for 0 ebucks.
You need at least 3-4 debit orders on your account to help you gain reward levels, so I would keep those as is mostly.
Municipal account, instead of EFT, I would pay into the account using credit card. Even if you pay part of it, and let the co-owner pay the other part whichever way he want, or EFT to you and let you pay with card.
Fuel, keep as is on card.
Paypal, keep as is, its online spend.
Airtime, buy with card at a retailer or online. I do online.
Electricity is easy to buy online, even possible on snapscan app now, which is what I use, its conveniant.
That said, its difficult to say without actual values.
Anyways, you need to do some homework to really know. I do this once a year, takes me 30 minutes then I am done for the year. Thats quicker than my e-filing takes.
Read through the rules on: https://www.ebucks.com/web/eBucks/earn/fnb-gold-2019.jsp or https://www.ebucks.com/web/eBucks/earn/fnb-premier-2019.jsp
Then use the calculator to work out what you can do to get to level 5 and then what you can earn with your expenses:
At a minimum, play with the calculator.
Hope that helps.