Business Basic Access Account
A pay-as-you-go access banking product with no monthly fee, suited to businesses who have limited banking needs.
All the details
| Description | Requirement |
|---|---|
| Account eligibility | Business owner |
| Other products required | None |
| Minimum balance | $0.00 |
| Feature | Description | Available |
|---|---|---|
| Visa Debit card1 | 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 |
| 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. | No |
| 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 |
| 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 Bank 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:
|
Yes |
| 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 |
| Description | Fee | Number of free transactions |
|---|---|---|
| Staff assisted withdrawal / deposit / transfers / future payment | $2.50 | 0 |
| Staff assisted BPAY / bill payment services | $0.50 | 0 |
| EFTPOS transactions | $0.00 | Unlimited |
| Declined EFTPOS transactions | $0.00 | Unlimited |
| Direct debit | $0.00 | Unlimited |
| Internet banking - BPAY / external transfer | $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 |
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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:
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