Unity Bank
Access Account
An Access account will provide you with your everyday transaction account needs. Funds are available 24 hours a day, 7 days a week.
Savings & transaction accountsBank updated 14 Sept 2026
At a glance
- Base rate
- 0.00%
- Monthly fee
- $7
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThe interest rate that applies to any overdrawn amounts. This is calculated daily and charged monthly. | — | — | — | 0.00% | — | — |
| VariableThis account does not pay interest | — | — | up to $2,000 | 0.00% | — | paid every 1 mo |
| VariableThis account does not pay interest | — | — | $2,000–$5,000 | 0.00% | — | paid every 1 mo |
| VariableThis account does not pay interest | — | — | $20,000–$50,000 | 0.00% | — | paid every 1 mo |
| VariableThis account does not pay interest | — | — | $5,000–$20,000 | 0.00% | — | paid every 1 mo |
| VariableThis account does not pay interest | — | — | $50,000+ | 0.00% | — | paid every 1 mo |
§ 02 — Fees · 17
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| FOREIGN_CHEQUE_DEPOSIT_OVER_$25,000 | Deposit | $50 | — | A processing fee charged when you deposit foreign cheques over $25,000 |
| FOREIGN_CHEQUE_DEPOSIT_UP_TO_$25,000 | Deposit | $20 | — | A processing fee charged when you deposit foreign cheques up to $25,000 |
| INWARD_RTGS_AND_SWIFT_PAYMENT_FEE | Deposit | $10 | — | A processing fee charged when you receive funds through this channel |
| DIRECT_DEBIT_HONOUR_FEE | Payment | $15 | — | A fee charged when you have insufficient funds in your account but we honour the transaction for you and overdraw your account |
| DORMANCY_FEE | Periodic | $20 | Every 1 yr | A fee charged if your account remains inactive for 7 years, and we will treat your account as dormant. We have a legal obligation to remit dormant balances exceeding $500 to ASIC as unclaimed money |
| MONTHLY_ACCOUNT_FEE | Periodic | $5 | Every 1 mo | Members are exempt from the monthly fee if they: A) Maintain a minimum business balance of $5,000 which is the combined balance of all deposits & borrowings, at all times throughout the month B) Unde… |
| PAPER_STATEMENT_FEE | Periodic | $2 | Every 1 mo | A fee charged to cover the cost of producing and sending paper statements |
| EMERGENCY_CASH/CARD_VISA_DEBIT | Replacement | No fee | — | Third party fee charged when you need an emergency replacement card delivered to you (fee is charged at cost) |
| ATM_INSUFFICIENT_FUNDS | Transaction | $1 | — | A fee charged if you don't have enough money in your account for an ATM withdrawal |
| DIRECT_DEBIT_DISHONOUR_FEE | Transaction | $17 | — | A fee charged when you have insufficient funds in your account and we are unable to honour the transaction for you |
| EFTPOS_DECLINE_FEE | Transaction | $1 | — | A fee charged if you don't have enough money in your account for an EFTPOS transaction |
| QUICKDEBIT_DISHONOUR_FEE | Transaction | $20 | — | A fee charged when you have insufficient funds in your account and we are unable to honour the Quick Debit transaction for you |
| TELEGRAPHIC_TRANSFER_-_AUSTRALIAN | Transaction | $50 | — | A fee charged for an online Australian transfer |
| TELEGRAPHIC_TRANSFER_-_ONLINE | Transaction | $20 | — | A fee charged for an online foreign transfer |
| TELEGRAPHIC_TRANSFER_-_SERVICE_CENTRE | Transaction | $30 | — | A fee charged for a staff assisted foreign transfer |
| VISA_CASH_ADVANCE_FEE | Transaction | $4 | — | A fee charged for cash advances and overseas transactions will attract an additional currency conversion fee |
| OUTWARD_RTGS_PAYMENT_FEE | Withdrawal | $30 | — | A Processing fee charged when you require funds to be sent straight away |
§ 03 — Features
Instant paymentsPayIDDigital bankingFraud protectionUnlimited transactionsOverdraftApple PayGoogle PaySamsung Pay
- · Securely lock your debit card in the Mobile App while you look for it and unlock it again when you find it
- · Backed by the Government Deposit Guarantee for deposits up to $250,000
- · Find the digital version of your card via the Mobile App before your physical card arrives in the mail.
- · Cards made from 82% recycled PVC
- · Make free deposits and withdrawals through a Bank@Post facility at Australia Post outlets.
§ 04 — Eligibility & limits
- · Residency: PERMANENT RESIDENT
- · Available to individuals
§ 05 — Compare
§ 06 — Run the numbers
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Published by Unity Bank under the Consumer Data Right, last changed by them on 14 Sept 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.