Access Account

A feature packed transaction account that covers all of your everyday banking needs. Open your new account online in minutes and access your instant Visa Debit card.

Apply online

Benefits

No monthly fee

Save with no ongoing fees

Digital wallets

Tap and pay with your mobile phone

Free ATM withdrawals

Available at all bcu and major bank ATMs

Faster payments through Osko

Use your PayID to make near real time payments

All the details

Features

Feature	Description	Available
Visa Debit card	Easy access to your money online, over the phone and anywhere in the world where Visa is accepted.	Yes
BPAY	Pay your bills easily and securely.	Yes
Direct debit	Set and forget automatic payment of your regular bills.	Yes
Osko	Send and receive money in near real time between participating banks.	Yes
Digital wallets	Tap and pay with your mobile phone using Apple Pay, Google Pay or Samsung Pay.	Yes
Cheque book	For members who prefer to make payments via cheque.	Subject to approval
Bank@Post	Deposit and withdraw cash at Australia Post if you can't get to a bcu branch.	Yes
Internet banking	Convenient and secure access through bcu iBank is available 24/7.	Yes
Mobile app	Manage your money on the go with the bcu Connect App straight from your phone.	Yes
Card controls	Temporarily lock your card or block certain transactions such as overseas purchases or Visa payWave.	Yes
bcu alerts	Stay on top of your banking with alerts: Avoid unnecessary fees and charges by keeping up to date on your balance. Set up alerts for credits, direct debits and due payments.	Yes

Fees and charges

Description	Fee	Number of free transactions
Staff assisted withdrawal / deposit / transfer / future payment	$0.00	Unlimited
Staff assisted BPAY / bill payment services	$0.00	Unlimited
EFTPOS transactions	$0.00	Unlimited
Cheques drawn against your bcu account	$0.00	Unlimited
Direct debit	$0.00	Unlimited
Internet banking - BPAY / external transfer	$0.00	Unlimited
bcu or major bank ATM withdrawal	$0.00	Unlimited
Bank@Post deposit / declined deposit	$2.50	4
Bank@Post withdrawal / declined withdrawal	$2.50	0
Monthly fee	$0.00	N/A

View all fees and charges relating to Access and Savings accounts

Interest

Interest calculated	N/A
Savings and Transaction Account Interest Rate Schedule

How to apply

Apply online

If you’re over 18 years of age you can open your Access account online in minutes.

New members

To apply for an account online you must:

be over 18 years of age
be an individual
be an Australian resident with a current Australian residential address, and;
provide two of the following - a valid Australian driver's licence; an Australian passport; a Medicare card.

Existing members

You can open your new account in bcu iBank or via the bcu Connect App.

Apply at a bcu branch

Open your new account by visiting your nearest bcu branch. You must be 12 years of age or older.

If you’re joining as a brand new member, you need your Australian driver's licence or a valid passport. You can also use one form of primary ID without your photo (eg. your birth certificate or citizenship papers) with one form of secondary ID (eg. your most recent power bill). Original and certified copies of documents are accepted.