bcu - Access & savings products

	Access & savings products Products suited to: adults, couples, families, retirees order your access card
	Product requirements
	must have another product
	minimum balance
	Interest (view rates)
	interest paid
	bonus interest
	how interest is calculated
	when interest is paid
	Access to your money
	counter cheque and cash deposits
	counter withdrawals
	cheque book
	atm
	eftpos
	CueCard
	Visa debit
	credit card linked to account
	internet banking
	telephone banking
	direct credit
	direct debit
	periodical payments
	BPAY
	sweep facilities
	Summary of fees
	monthly account fee
	cheque book
	sweep facility
	eftpos
	bcu atm transaction
	WBC / St George atm
	other banks atm
	counter withdrawal
	counter deposit
	Account record
	frequency of statements
	Other
	sub accounts
	capital guaranteed

Scroll to see more products >>>

Print fact sheet

Reset table

bcu Scoot's super saver A combined savings and access product designed for children under 13 years, with no monthly fee and bonus interest to reward good saving habits. Open X	bcu basic access An everyday banking product with no monthly fee, for people who prefer to do their banking electronically, using eftpos and internet banking. Open X	bcu access An everyday access product with a low monthly fee, designed for people who want flexibility to bank without access restrictions. Open X	bcu advantage saver A combined savings & access product with a high rate of interest, designed for pensioners and retirees, catering to the government deeming rules. Open X	bcu saver A savings product with limited access privileges for individuals who prefer to do their banking in a bcu store. Open X	bcu isaver A savings product that pays a high rate of interest that can only be accessed via bcu internet and phone banking. Open X	Retirement Savings Account ⁸ A low cost, capital guaranteed investment product to grow superannuation and retirement savings. Open X

				¹	¹	¹
$0	$0	$0	$0	$0	$0	$0



whole of balance	not applicable	whole of balance over $500	whole of balance	whole of balance over $1,000	whole of balance over $1,000	whole of balance
monthly	not applicable	6 monthly	monthly	monthly	monthly	annually


						²






						³







$0	$0	$5 ⁴	$2	$0	$0	$0
not available	not available	no fee	no fee	not available	not available	not available
not available	not available	no fee	no fee	not available	not available	not available
no fee	no fee	no fee	no fee	not available	not available	not available
no fee	transaction fee ⁵	no fee	no fee	not available	not available	not available
atm operator fee	atm operator fee	1 free per month ⁶	1 free per month ⁶	not available	not available	not available
atm operator fee	atm operator fee	atm operator fee	atm operator fee	not available	not available	not available
no fee	$1 per transaction	no fee	no fee	no fee	not available	fee payable
no fee	$1 per cash tran. $1 per chq. tran.	no fee	no fee	no fee	not available	no fee

quarterly	6 monthly	6 monthly	6 monthly	6 monthly	6 monthly	annually


up to $250,000	up to $250,000	up to $250,000	up to $250,000	up to $250,000	up to $250,000	⁷

1. A bcu saver requires you have a bcu access or bcu advantage saver; a bcu isaver requires you have a bcu access, a bcu basic access or a bcu advantage saver; and a Retirement Savings Account requires you have a bcu access or bcu advantage saver.
2. Subject to eligibility
3. View account/download statements only through website 'Acurity On-Line'
4. $5 fee on bcu access is rebated for students.
5. First 4 transactions per month are free. Each transaction above that will attract a fee of $1
6. 1 free WBC / St George atm withdrawal / enquiry per month. Each atm transaction in excess of this will be charged a fee by the atm operator plus a bcu fee of 50 cents.
7. Balances are protected by bcu's assets and product balances up to $250,000 are covered by the Australian Government bank deposit guarantee.
8. This is general advice and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Before acquiring this product, you should consider whether this product is appropriate for you and refer to the Product Disclosure Statement (PDS) for Retirement Savings Account (RSA).

Home Dispute Resolution Privacy Site terms and conditions APS Disclosure	T: 1300 228 228 \| bsb: 704 328
Copyright 2013. Banking products issued by Bananacoast Community Credit Union Ltd ABN 50 087 649 750 AFSL 241077 Australian Credit Licence Number 241077. bcu is not responsible for any websites you access from www.bcu.com.au. bcu’s registered office is located at Level 2, 144-148 West High Street, Coffs Harbour, NSW 2450; PO Box 1563, Coffs Harbour, NSW 2450. This website contains general advice and has been prepared without taking into account your objectives, financial situation or needs. Therefore, you should consider whether this advice is appropriate for you and read the Terms and Conditions, Fees and Charges Schedule and Financial Services Guide before acquiring any basic deposit product. Loans available to approved applicants only. Normal lending criteria, terms and conditions apply. Interest rates, fees and charges are payable and are subject to change without notice. Please read bcu’s Credit Guide and Schedules of Fees and Charges for home loans and personal loans before acquiring a bcu loan or credit product.