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Business Access Account

An everyday access account providing flexibility for you and your business to bank without limits.

Why choose a Business Access account?

Unlimited transactions

For a $20 monthly fee, you'll get unlimited access to all transaction types.

Digital banking

Easily manage your money using the BCU Bank app and internet banking.

Smartpay EFTPOS terminal

Fast and easy transactions for your customers, while you save on merchant fees.

Express banking and night safe

Secure, convenient, and after hours access to make deposits for your business.

The features don't stop there

  • Bank without restrictions with unlimited fee-free EFTPOS transactions, ATM and internet banking access, Smartpay EFTPOS, plus all of our extra features – all for just a $20 monthly fee.
  • Transfer money or securely pay bills using BPAY® on the go with the BCU Bank mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
  • Deposit cash and cheques, withdraw cash, and make balance enquiries at Australia Post using Bank@Post if you can't make it to a BCU Bank branch.
  • Set up bank feeds to accounting software such as Xero and MYOB.
  • Make purchases online or in-store using your Visa Debit card, including payWave.*
  • Protection against losses from unauthorised transactions when you take steps to stay safe online.

Rates and fees

Interest rates

Interest rate Interest calculated Interest credited
0.00% p.a. N/A N/A

The basics
Monthly fee $20.00 (waived for Not for Profit organisations)
Minimum monthly balance No
Everyday transactions
Internet banking and mobile app transfers Free
EFTPOS and Visa purchases Free
Direct debits and credits Free
BPAY® Free
Withdrawal at atmx and major bank ATMs in Australia Free
Non-standard transactions
Bank@Post™ withdrawal Free
Bank@Post™ deposit Free
Card replacement - standard $10.00

Other fees and charges may apply. See all fees and charges for transaction and savings accounts.


Ready to open a Business Access account?

Existing customers

Already have business accounts with BCU Bank? You have good taste. To open another business account, you can call us on 1300 228 228 or visit one of our branches during business hours.

Open your account in person at a branch

We’d love to see you in person. Visit your nearest BCU Bank branch to open an account.

You'll need to:

  • have a valid ABN,
  • be a sole trader, partnership, company, association, SMSF, trust, or not-for-profit,
  • be operating in Australia with an Australian address, and
  • bring your Australian driver licence or a valid Australian passport.

New customers

If you’re new to BCU Bank, you'll 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:

  • 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)

Don't have your photo ID?

Alternative identification documents are available for anyone who:

  • is under 18 years of age.
  • is a non-resident.
  • doesn't have an Australian photo identity document.

Because we're here to help

Get in touch

Call us on 1300 228 228 or visit your nearest branch for all your everyday business banking needs.

Find your local branch

You’ll find us from Maroochydore to Port Macquarie – drop in and say hi!

Meet our business lenders

Looking for a business loan? We have an experienced team who specialise in tailored solutions for your business.

Got a question about business bank accounts?

You can link your BCU Bank accounts with accounting software packages MYOB and Xero.

After you have signed up with your preferred provider they will contact us to allow access to your accounts.

If you have any queries please follow up with your software provider.

Find out more about MYOB

Find out more about Xero

To get your bank transactions imported into Xero, you’ll need to add your bank account into Xero by following the steps on the Xero website.

Once submitted through Xero, keep an eye on your Secure Mail, we’ll be in touch here if we need anything further from you.  

You can use Bank@Post at participating Australia Post offices Australia-wide to deposit cash or cheques, or make a withdrawal from your account. 

You will need to have a BCU Bank Visa Debit card in order to perform these transactions.

Fees and charges apply to some Bank@post transactions.

Profiles are a feature in internet banking that will make it easier to manage your money by clearly separating your personal banking accounts from those connected to your non-personal accounts if you are a signatory on a business, club or trust.

With profiles, you’ll be presented with a screen when you login to choose whether you want to see your personal accounts or view your business, association, club or trust accounts that you have signatory access to. 

You can also personalise your payee list for each profile under Transfer/Pay > Manage Payees.

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. 

*Available when the account is set up as 'anyone to sign'.

Bank@Post™ deposits and withdrawals are available only with a BCU Bank VISA card. Cheques must be made out in the name of the cardholder to be accepted at Bank@Post™ and are subject to 4 working days clearance.

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.