Police BankEasy Access Transaction Account
Your day to day savings account for all your basic banking needs. access your funds when and where you need them.
At a glance
- Base rate
- 0.00%
Rates
Every rate Police Bank publishes for this account, 5 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableMay be applicable if your account becomes overdrawn | - | - | - | 14.10% | - | - |
| VariableBalance $0 to $499 | - | - | up to $499 | 0.00% | - | paid every 6 mo |
| VariableBalance $20,001 to $50,000 | - | - | $20,001–$50,000 | 0.01% | - | paid every 6 mo |
| VariableBalance $500 to $20,000 | - | - | $500–$20,000 | 0.01% | - | paid every 6 mo |
| VariableBalance $50,001 or more | - | - | $50,001+ | 0.01% | - | paid every 6 mo |
Fees
20 fees published, grouped by when they're charged.
- When you take it out$50Overdraft Limit Establishment Fee
- While you hold it$31 a yearAnnual Overdraft Fee
- When you close it or pay it offNo fee published
When you take it out1
- Overdraft Limit Establishment Fee
A fee will be debited to your overdraft when your account is opened and when any future application for an increase in overdraft limit is approved
$50
While you hold it1
- Annual Overdraft Fee
Annual charge of overdraft facility
$31 a year
When you make a transaction6
- Visa Cash Advance Fee
Visa Cash withdrawal at a merchant using the CR (Credit) facility, another financial institution, or an overseas ATM withdrawal, or any ATM withdrawal from an S14 Visa Credit Card.
$3.80 - External Electronic Periodical Payments
If part of the Reduced Fees program, the first 3 transactions are free, Per transaction if Police Bank staff set up on your behalf.
$1 - Visa International Fees
Payable if and when you use the Visa Card overseas and the transaction is in a foreign currency. All overseas transactions are converted to Australian dollars and are subject to this fee as a percent…
3.00% of transaction - Bank@Post Cash Withdrawal fee
Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits
$2 - Counter Cash withdrawal $25,000 and over
Charged Per cash withdrawal $25,000 or over
$50 - Counter Cash withdrawal fee up to $24,999
First 3 free if part of Reduced Fees program
$2
If a payment is late or fails1
- Direct Debit Dishonour Fee
Direct Debit Dishonour Fee per transaction
$9
When particular things happen11
- Additional Statement Fee
$1.50 per page. Payable if and when you request an additional statement.
$5 - ATM Balance Enquiry fee
At Cost
No fee - Bank Draft
Per Draft
$15 - Coin Handling Fee
Fee can also be 2 % of the amount whichever is the greater. Payable whenever coins deposited in a single month reach an accumulated value in excess of $100
$12 - Default Notice Fee
Payable if and when we send you a default notice for an overdrawn account where an arrears remains unremedied after we have sent you an arrears letter
$21.50 - Document Retrieval Fee
Minimum $22.77 per hour retrieval fee and minimum $30 per hour administrative fee. Payable on request for documents to be retrieved
No fee - Dormant Accounts fee
After 3 years an account is classed as dormant if no Member transactions occur. Interest, fees and government charges are not classed as transactions.
$10 - Overdrawn Account Fee
Payable when any Savings Account is overdrawn by $75 or more within a calendar month Interest will also be charged at the then current Overdraft interest rate
$15 - Replacement Card Fee
Payable for any second or subsequent request for the replacement of a Visa Card.
$10 - Third Party Costs
At Cost. Any costs charged to us from a third party will be passed on to you. Information on these costs is available on request.
No fee - Visa Overseas Emergency Fee
Payable when you request an emergency replacement Visa Card or emergency Cash Advance overseas
$175
Features
- ATM withdrawals up to $1000
- Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participatin…
- Bank@Post, Withdraw cash at any participating Australia Post outlets with Bank@POST™
- Contributes to Reduced Fees Program. Simply maintain a combined monthly balance of $5000 or more worth of savings, investments or loans and you will receive more fee free ATM and EFTPOS transactions…
- Periodical Payments. Account allows Periodical Payments via Cheque and can also make External Periodical Payments
- Eftpos transactions. Eftpos transactions are free if on the Reduced Fees program, otherwise 25 transactions are free per month, thereafter will cost 0.55 per Eftpos transaction
- Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Police Bank assesses the risk of the tra…
- Direct Debits. Set up Direct Debits from this account
- Direct Credits. Set regular payments like your pay sent straight to your account
- Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discoun…
- Periodical Payments. Can set up Periodical Payments
- Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™
Eligibility and limits
- Minimum age 18
- Residency: Australian Citizen
- Available to individuals
- SMSF Allowed
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Published by Police Bank under the Consumer Data Right, last changed by them on 13 Oct 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.