A financial institution may also use one centralised BSB for all accounts. Many smaller financial institutions are now identified by the first three digits of the BSB with the "state" field being part of the "bank" identifier. While banks generally still follow the state branch structure, building societies and credit unions often do not. For example, 03 was for Westpac’s trading accounts, while 73 was for Westpac’s savings accounts. This is largely historic, a legacy from the time when banks maintained separate trading (cheque) and savings entities. In Australia, the major banks have at least historically structured their branch codes with the first of the four digit branch code indicating the state where the branch was located.
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