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Local banking for local people

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.


No monthly fee

No monthly fee

Save with no ongoing fees

Digital wallets

Digital wallets

Tap and pay with your mobile phone

Free ATM withdrawals

Free ATM withdrawals

Available at all BCU, atmx and major bank ATMs

Faster payments through Osko

Faster payments through Osko

Use your PayID to make near real time payments

All the details

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:
  • Avoid unnecessary fees and charges by keeping up to date on your balance.
  • Set up alerts for credits, direct debits and due payments.
DescriptionFeeNumber 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

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 Bank 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.

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Important information

    Download Savings Account & Account Access Channels Terms and Conditions
    Download Fees and Charges