Bank First Production
Everyday Account
Everyday Transaction account
Savings & transaction accountsBank updated 12 Aug 2026
At a glance
- Base rate
- 0.00%
- Monthly fee
- $0
§ 01 — Rates · 3
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | up to $150 | 0.00% | — | paid every 3 mo |
| Variable | — | — | $150–$300 | 0.00% | — | paid every 3 mo |
| Variable | — | — | $300+ | 0.00% | — | paid every 3 mo |
§ 02 — Fees · 20
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Visa Debit Over The Counter Cash Advance | Cash advance | $2.50 | — | — |
| Cheque Dishonour Fee | Dishonour | $17.50 | — | — |
| Direct Debit Dishonour Fee | Dishonour | $15 | — | — |
| Statement Request | Enquiry | No fee | — | Fee charged $0 per month applies. |
| Bank First Cheque Fee | Event | $5 | — | — |
| Bank First Corporate Cheque Stop Payment | Event | $15 | — | — |
| Coin Handling Fee | Event | $5 | — | Handling of a coin deposit or withdrawal - $5 per every $100. |
| Direct Debit Stop Request | Event | $9 | — | — |
| Direct Entry Return Fee | Event | $2.50 | — | — |
| Express Posting Of Card Or Pin In Australia | Event | $15 | — | — |
| Issue Card Or Pin Internationally By Registered Mail | Event | $15 | — | $15 dollars per item |
| Overdrawn Account Fee | Event | $15 | — | Applies when your Transaction / Savings Account is overdrawn or the balance exceeds the limit of any Overdraft attached to the account at close of business and charged again at seven day increments i… |
| Voucher Retrieval Fee For Cheque/Deposit | Event | $5 | — | $5.00 per voucher |
| Account Keeping Fees | Periodic | No fee | Every 1 mo | — |
| Inactive Membership Fee | Periodic | $30 | Every 1 yr | — |
| Emergency Overseas Replacement Card Fee | Replacement | $150 | — | This Fee is waived for Platinum credit card holders |
| Replacement Card Fee | Replacement | $8 | — | $12.00 Staff Assisted and $8 via Mobile Banking App |
| Currency Conversion Fee | Transaction | 3.00% of transaction | — | 3.0% of the transaction value for converting overseas currency transactions using your Visa Debit Card to Australian Dollars. Overseas banks may charge a separate fee. Note: Premier Package Home Loan… This fee is waived for Premier/Rewards Package Home Loan customers |
| Non- Individual Membership Establishment Fee | Upfront | $50 | — | Applies when a Non-Individual membership is established |
| Visa Debit Card Overseas Atm Withdrawals | Withdrawal | $2.50 | — | The ATM operator may charge a fee at the time of the transaction |
§ 03 — Features
Offset accountInstant paymentsPayIDDigital bankingUnlimited transactionsOverdraftGoogle PayApple Pay
- · Other service related charges apply based on your circumstances
- · Phone Banking is available
§ 04 — Eligibility & limits
- · Minimum age 18
- · Available to members only.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Bank First under the Consumer Data Right, last changed by them on 12 Aug 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.