Access transaction account
Easy access to your banking, every day. With the features you need, this is a simple and versatile account to use and move your money.
- Account service fee exempt for eligible members 1
- No minimum monthly balance
- 24/7 online access
- Online banking and mobile app, phone banking and cheque facility
- Visa Debit card to access your account 2
- ATM/eftpos
| Transaction Type | Fee |
|---|---|
| Visa Debit (where credit option is selected on purchases) | $0 |
| eftpos transactions (including declined) | $0.70 |
| payWave | $0 |
| Digital Wallet (Apple Pay and Google Pay) | $0 |
| Capricornian ATM withdrawals, balances and declined | $0 |
| Visa Debit cash advance 3 | $0.70 |
| Direct credits | $0 |
| Direct debits | $0 |
| Cash deposits | $0 |
| Cheque deposits | $0 |
| Cash withdrawals | $0 |
| Cheque withdrawals/encashment | $0 |
| Internal funds transfer | $0 |
| External funds transfer (in branch) | $0 |
| BPAY (via branch or contact centre) | $0 |
| Account Service Fee 1 | Exempt for eligible members |
| Transaction Type | Fee |
|---|---|
| Visa Debit (where credit option is selected on purchases) | $0 |
| eftpos transactions (including declined) | $0.70 |
| payWave | $0 |
| Digital Wallet (Apple Pay and Google Pay) | $0 |
| Capricornian ATM withdrawals, balances and declined | $0 |
| Visa Debit cash advance 3 | $0.70 |
| Direct credits | $0 |
| Direct debits | $0 |
| Cash deposits | $0 |
| Cheque deposits | $0.30 |
| Cash withdrawals | $0 |
| Cheque withdrawals/encashment | $0 |
| Internal funds transfer | $0 |
| External funds transfer (in branch) | $3.00 |
| BPAY (in branch or contact centre) | $3.00 |
| Account Service Fee 1 | Exempt for eligible members |
Other fees and charges may apply. For more detailed information please see Conditions of Use.
Eligibility criteria, terms and conditions, fees and charges apply. Please note this information does not take into account your personal circumstances and is general advice only. Before opening any Capricornian account, please read the Conditions of Use and decide if the account is right for you. Interest rates are subject to change without notice and should be verified with your local Capricornian Branch.
1 Account Service Fee Exemptions on Access Accounts where first account is exempt for eligible members on both Personal Access and Business Access Accounts. $6.00 per month subsequent accounts on Personal Access, $10 per month subsequent on Business Access Accounts. Eligibility criteria applicable on Personal Access Account; Minimum Deposit/Lending balance of $20,000 held within the membership, Members aged 25 years and younger and Members aged 65 years and older. Eligibility criteria applicable on Business Access Accounts; Minimum Deposit/Lending balance of $20,000 held within the membership.
2 Quarterly card fee applies with Capricornian Visa Debit Card. Exemptions apply to Pension Access Accounts or Capricornian Members aged 25 years and younger. Replacement card fee may apply.
3 Where credit option is selected for cash, or cash and purchase transactions.
Personal Access Account transaction fees apply to Credit Line, Mortgage Line of Credit and Mortgage Plus Home Loan products.
To close your account, please visit us in branch or call our Contact Centre on 1300 314 900. Please see Conditions of Use for further information.
