Just months after a damning government report into dual pricing in the term deposit market, banks and credit unions are ramping up dual pricing on their at-call online savings accounts.Dual pricing is the practice of advertising a high headline interest rate and maintaining a lower ongoing rate. In the $500 billion term deposit market, the Australian Securities and investment Commission found that 98 per cent of new term deposit money was invested in the high interest rate term deposit deals that feature prominently in advertising.But almost half (47 per cent) of term deposit money ended up in lower rate term deposits after it was automatically rolled over by the bank or credit unions at the end of the term.ASIC concluded that "the dual pricing of term deposit interest rates [creates] a risk that retail investors could inadvertently rollover into and remain in low-interest term deposits."CUA's head of retail, Andrew Bartlett, said the move to introduce dual pricing to savings is designed to attract more deposit dollars. CUA introduced an introductory rate on its online savings account last month."The notion of introductory rate accounts has been around for a few years. It was competitors from overseas that led the way with this and up until this point we have resisted the temptation to do it."We have been looking at the option of doing this for some time now. The battle for deposit dollars is as fierce as ever and we need to be out there getting our share of the market," said Bartlett.As for the ethics of dual pricing, Bartlett said he was confident that CUA's pricing strategy is transparent and responsible."In the term deposit market the practice of automatically rolling someone onto a lower rate at the end of the term, well clearly that is unethical. "But people understand the notion of introductory pricing; it has been in the home loan market for a long, long time. People understand they are getting an incentive when they first come on board," said Bartlett."What differentiates our deal is that we have included incentives for our existing customers as well," said Bartlett.