Access Account
Our Access Account is transaction account, Enjoy an easy-to-use account with no monthly fees. Free Visa debit card is provided, with payWave. You can request a free Visa Debit Card with payWave which you can load into Google Pay, Apple Pay, Samsung Pay and Garmin Pay. Now you can pay for purchases using your smart device, wherever mobile payment systems are offered. Get unbeatable security through measures such as the Visa Zero Liability policy (which protects against unauthorised transactions) and our own 24/7 fraud monitoring service. You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking. Online banking with this account is available 24/7 with Internet Banking and our Mobile Banking App. Internet banking will provide you with eStatements as well as the means to securely message each other, reducing paper and postage costs.
- Base rate
- 0.00%
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.00% | — | paid every 1 mo |
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears | Event | $15 | — | Payable each day that your account is overdrawn (where you have no approved credit limit) or the account is overdrawn beyond your approved credit limit and you have performed at least one debit trans… |
| Currency Conversion | Event | 3.00% of transaction | — | — |
| Direct Debit Dishonour | Event | $10 | — | Payable when you have insufficient funds at the time a direct debit is set to occur and the direct debit is dishonoured |
| Lost VISA Card | Event | $10 | — | Payable when you lose or misplace your VISA Card and we need to order you a new card |
| Overdraft or overlimit fee | Event | $15 | — | Payable when you perform a transaction in a currency other than Australian dollars using a Visa card. This fee is included in the AUD amount debited to your account and comprises 2.00% charged by thi… |
| Deposit Periodic | Periodic | No fee | — | Where permitted by the account terms and conditions, you can perform unlimited transactions of the following types and we will not charge you a transaction fee: ATM enquiry, ATM transfer, ATM withdra… |
| Paper Statement | Periodic | $2 | — | If you have not opted in for eStatements and we send a paper statements to your nominated postal address we have on record. Note: An electronic statement can be requested at any time with no fee paya… |
| Transaction | Transaction | No fee | — | Payable whenever we send you a letter because you do not make a repayment in full on or before the due date and the default continues for 3 days or more. |
- · Round-ups (origin account)
- · Round-ups (destination account)
- · Lock, block and control your card
- · Business Banking can be attached to the product
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Published by Credit Union SA under the Consumer Data Right, last changed by them on 29 June 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.