Access Account
A transaction account that covers all your everyday banking needs. Open your new account online in minutes and access your instant Visa Debit card.
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, atmx and major bank ATMs
Faster payments through Osko
Use your PayID to make near real time payments
All the details
| 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 |
| Bank@Post | Deposit cash and cheques, withdraw cash or make balance enquiries 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 Bank app straight from your phone. | Yes |
| Pay&Save | Pay&Save at the same time with a BCU Access Account and BCU iSaver account. | 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:
|
Yes |
| 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, atmx or major bank ATM withdrawal | $0.00 | Unlimited |
| Bank@Post deposit / declined deposit | $0.00 | Unlimited |
| Bank@Post withdrawal / declined withdrawal | $0.00 | Unlimited |
| Monthly fee | $0.00 | N/A |
View all fees and charges relating to Access and Savings accounts
| Interest calculated | N/A |
| Savings and Transaction Account Interest Rate Schedule |
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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:
Existing members You can open your new account in BCU iBank or via the BCU Bank app. |
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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. |
