Another plus, is that I have access to a free overdraft account (just pay for interest, which for me is less than 20c/month), so I just leave everything in the offset account.
Are you in a professional group like medicine? If so, there are special offers for certain professions. How long have you had your loan? If you have a stand alone loan and 100% offset attached they may have waived the first year's fee.
You mention discharge duties, if you were already with them and were substituting your security to a new home, and you were on a discounted rate on an older product, they may kept the arrangement for you. Also for large enough loans or if they are not meeting their sales targets, banks can throw in freebies for the first year. When competing for a customer with an identical loan to what I was offering, a bank branch lending staff paid the customer's home building insurance for a year to poach the customer. They may have made that back in subsequent years with their higher premium, though.