At-call deposit rates continue to fall 02 February 2015 4:11PM John Kavanagh All four of the big banks cut their at-call deposit rates in January and at least a dozen smaller deposit-takers followed suit.According to Mozo's latest Banking Insights Bulletin, banks and mutuals look like continuing the trend set last year, which saw a steady decline in at-call rates.The average bonus saver rate fell by 17 basis points last year, with the big bank rates falling by twice that amount.Mozo said that since the Reserve Bank last cut the cash rate, in August 2013, major bank at-call rates have fall from a range of 4.2 per to 4.4 per cent to the current range of 3.4 to 3.5 per cent.Last month, ANZ took 10 bps off the introductory rate of its Online Saver (which is now 3.5 per cent) and also took 10 bps off the bonus rate of its Progress Saver account (now 3.41 per cent).Commonwealth Bank dropped the introductory rate on its NetBank Saver account by 25 bps (now 3.45 per cent) and dropped the bonus rate on its GoalSaver account by 20 bps (now 3.45 per cent).NAB took 10 bps off the introductory rate on its iSaver account (now 3.4 per cent) and 13 bps off the bonus rate on its Reward Saver account (now 3.5 per cent).Westpac cut the introductory rate on its eSaver account by 20 bps (now 3.51 per cent) and cut the bonus rate on its Reward Saver by 10 bps (now 3.4 per cent).Other deposit-takers that cut at-call rate in January included Citibank, St George, Newcastle Permanent, HSBC, QPCU, CUA, Easy Street, People Choice, Maitland Mutual, bankmecu and The Rock.According to Mozo, the top at-call rate is 4.02 per cent UBank is offering as a bonus rate on its USaver account. ME Bank has an introductory rate of 4.1 per cent.