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bcu business access

Business Access Account

An everyday access account offering flexibility for businesses to bank without restrictions.
You can enjoy unlimited EFTPOS transactions, bcu iBank, Smartpay EFTPOS and ATM access, plus all of our extra features all for a $20 per month fee.

All the details

Account eligibility Business owner
Other products required None
Minimum balance $0.00
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 24/7 fast peer to peer payments. Yes
Smartpay EFTPOS Charging options to suit both you and your customers, with the simplicity of one device. 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
In-branch banking Face to face service with a smile. Yes
Internet banking A convenient and secure online banking solution available 24/7. Yes
Mobile app Manage your money on the go with the bcu Connect App straight from your phone. Yes
Express banking and night safe Secure, convenient and out of hour deposits for your business. 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.
Overdraft Attached to your access account and allows you to go below zero (up to your approved limit) for added flexibility when unexpected expenses come up. Subject to approval
DescriptionFeeNumber of free transactions
Staff assisted withdrawal / deposit / transfers / future payment $1.00 40
Staff assisted BPAY / bill payment services $0.50 0
EFTPOS transactions $0.00 N/A
Declined EFTPOS transactions $0.50 0
Cheques drawn against your bcu account $0.30 20
Direct debit $0.00 N/A
Internet banking - BPAY / external transfer $0.00 N/A
bcu ATM withdrawal $0.00 N/A
bcu ATM balance enquiry $0.00 N/A
bcu ATM declined transactions $0.00 N/A
Bank@Post deposit / declined deposit $2.50 8
Bank@Post withdrawal / declined withdrawal $2.50 0
Monthly fee $20.00 N/A
Interest calculated Daily
Tiered interest rates Yes
Bonus Interest No
Savings and Transaction Account Interest Rate Schedule  

Apply at a bcu branch

Open your new account by visiting your nearest bcu branch.

If you’re joining bcu as a new business member, you will need a registered Australian Business Number (ABN). If you are opening a company membership you will need an Australian Company Number (ACN), and a registered business name may also be applicable. An ASIC extract that validates the identification of the business and its directors will be obtained prior to opening the business membership.

Personal identification is required for all signing directors and beneficial owners, so you will need the following:

  • your Australian driver's licence OR a valid passport
  • one form of primary ID without your photo (eg. your birth certificate or citizenship papers)
  • one form of secondary ID (eg. your most recent power bill)


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