Fire Service Credit Union
S21 Business Account
The right business account can make it easier for you to do business
Savings & transaction accountsBank updated 19 Mar 2026
At a glance
- Base rate
- 0.05%
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | — | — | — | 0.05% | — | paid every 1 yr |
§ 02 — Fees · 23
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Branch Cash Withdrawals 1st Tier | Event | $3 | — | $2,000 - $14,999 |
| Branch Cash Withdrawals 2nd Tier | Event | $20 | — | $15,000 and over |
| Coin Deposits | Event | No fee | — | For coin deposits over $50.00 - 5% of deposit amount |
| Corporate Cheque Stop Payment Fee | Event | $5 | — | — |
| Direct Debit Dishonour Fee | Event | $10 | — | Payable whenever we dishonour a direct debit on your account due to insufficient funds. |
| Direct Debit Honour Fee | Event | $5 | — | Payable when we honour a direct debit on your account despite insufficient funds |
| Document Search Fee | Event | $5 | — | Payable when we have to search for documents or information in storage. |
| Dormant Account Fee | Event | $20 | — | Payable whenever there has been no transaction other than interest on your membership for a period of 12 months |
| Large Cash Deposits | Event | $20 | — | Payable whenever cash over $10,000 is deposited over the counter |
| Manual 'Other Bank' Deposits | Event | $10 | — | Payable whenever a deposit is processed manually through another Financial Institution |
| Overdrawn Account fee | Event | $10 | — | Payable whenever we send you a notice because your savings account is overdrawn with no pre-approved limit or your overdraft is over the approved limit |
| Payment Corrections | Event | $30 | — | Payable per manual DE Trace, BPAY enquiry, BPAY error correction or Mistaken Internet Payment |
| Periodical Payment Fee | Event | $5 | — | There are insufficient funds in your account, on four successive days, to make a requested payment. There are insufficient funds for any future dated BPAY payments. |
| Real Time Gross Settlement Inward Payment | Event | $15 | — | — |
| Real Time Gross Settlement Outward Payment | Event | $30 | — | — |
| Replacement PIN Fee | Event | $3 | — | We reorder and post a PIN to replace a forgotten PIN. |
| Replacement Statement Fee | Event | $2 | — | Payable when you request a copy of a statement that has already been issued |
| Staff Assisted External Transfer | Event | $2 | — | Staff assisted transfers, per transaction |
| Visa Chargeback | Event | $30 | — | We charge back a merchant for a Visa Transaction, on your behalf. A Visa Chargeback is represented and, at your request, the associated dispute is escalated for Visa Arbitration and/or compliace revi… |
| Visa Debit Card Replacement Fee | Event | $20 | — | We replace a lost or damaged Visa Debit card |
| Visa Debit Card | Event | $50 | — | Payable after the initial 2 Visa Debit Cards |
| Corporate Cheque Withdrawal Fee | Transaction | $10 | — | Corporate Cheque withdrawal, per cheque |
| Transaction Fees | Transaction | $0.50 | — | First 10 transaction per calendar month are free. For each transaction in excess of 10 per calendar month .50c each |
§ 03 — Features
Instant paymentsPayIDDigital bankingOverdraftMobile Wallet
- · Live data feeds available with MYOB & XERO
§ 04 — Eligibility & limits
- · Residency: Australian Residents only
- · Available to businesses
- · To have a business account with FSCU you must first be a member. To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Fire Service Credit Union under the Consumer Data Right, last changed by them on 19 Mar 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.