Everyday banking
Transaction accounts
We offer a range of everyday accounts for the daily to-and-fro, so you can access your money easily.
Savings accounts
We have savings accounts to suit your long or short term savings plans.
Term deposits
With competitive interest rates and guaranteed returns, our term deposits can help you reach your savings goal sooner.
Make payments your way
Digital wallets
Say goodbye to bulky wallets – the future is digital. All you need is your phone.
Visa Debit cards
Make purchases all around the world, or just around the corner – wherever Visa is accepted.
International payments
Transferring money overseas, or need to receive money from an international account? We can help!
Get the most out of your BCU Bank account
Why choose BCU Bank?
As a customer-owned, customer first bank, we sit right alongside you, helping to navigate life’s financial journey.
We believe that every Australian should feel confident when it comes to their money, and we’ve helped our members achieve their financial goals for more than 50 years.
We understand that the more you know, the less overwhelming banking can feel – with BCU by your side, we make the complicated easy, and your dreams a reality. With local financial partners, competitive products, financial wellbeing content, and digital tools, our customers feel confident knowing BCU is by their side.
Discover the customer-owned differenceBecause we're here to help
Talk to the team
Got a question? Call us on 1300 228 228, pop into your local branch, or chat to us online.
Find your local branch
You’ll find us from Maroochydore to Port Macquarie – drop in and say hi!
Get answers online
Check out our how-to guides, search our FAQs, and find support services.
Got a question about bank accounts?
You can open an everyday banking, savings, or term deposit account online in a matter of minutes – even if you're not a BCU Bank customer.
If you're a new customer you’ll need to be at least 18 years old and have two forms of ID to open your account online.
To open a term deposit, you'll need to first open a fee-free Access Account (or a savings account) and transfer your money in. Once your funds have been received, you can log in to internet banking or the BCU Bank app and open your term deposit.
If you already bank with BCU it's even easier. You can open most deposit accounts online by going to ‘Apply’ in internet banking or ‘Open account’ in the BCU Bank app.
New customers
If you're both new customers of BCU Bank and looking for an account where either person can authorise transactions, the easiest and quickest way to apply for a joint account is to open an account online.
You'll both need to confirm your identity using two of the following identity documents:
- Australian driver licence
- Australian passport
- green Medicare card
Remember to have your tax file number (TFN) handy if you want to avoid being charged general withholding tax on any interest you earn. You can provide us with your TFN at a later date, but in the meantime, withholding tax may be applied to interest earned over a certain threshold.
You can also open your new joint account at your local branch. You’ll need to bring your Australian driver licence or a valid passport with you.
Find out what other identification documents you can use to open an account.
Existing customers
If you both already bank with us then you can open your joint account by calling 1300 228 228, or by visiting your local branch.
If you'd like to set up your account so that both account holders need to jointly approve transactions, you'll need to visit us in branch to sign an Authority to Operate Form.
Switching has never been easier – you can open a new account with BCU Bank online in just a few minutes.
We can guide you through the the steps to open your account, set up new payment arrangements with your new account or card and provide tips for a smooth changeover.
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
Read the relevant product terms and conditions before deciding if a product is right for you.
A member may hold a maximum of one Bonus Saver as a single account owner and one Bonus Saver as a joint account owner.
*The Bonus Saver bonus interest rate applies for the first four months on daily closing balances from account opening date. At the end of the bonus period the standard ongoing variable interest rate at that time will apply.