Online saver

It’s flexible and it doesn’t eat away at your savings

Online Saver

Balances up to and including $100,000

Variable interest rate:

1.00 ^%_{p.a. ¹}

Interest calculated daily on the closing balance and paid monthly

Balances over $100,000

Variable interest rate:

0.00 ^%_{p.a. ¹}

Flexible

There’s no minimum regular deposits needed to earn interest and you can have multiple sub-accounts to manage your deposits.

No fuss

There’s no interest or fee penalties when you need to withdraw your money.

Easy

It’s easy to manage your funds – transfer in and out of the account at any time via our mobile app or internet banking. Direct debits are not available.

Features

$0

Transaction fees

Ability to transfer your funds via Internet Banking or within our mobile app and you won’t be penalised or incur transaction fees. You can view our Fees and Charges here.

$0

Monthly fees

No monthly fees so you can maximise your savings.

$0

Minimum deposit

No big hurdles – you’ll earn interest on any balances up to and including $100,000 regardless of how many times you transact on the account.

How to apply

Using our online application form, you can apply to become a member and open an account. We will verify your ID online and if unsuccessful, will contact you to get another form of ID.

Apply online

Invest for a term

Take a look at our latest term deposit options for more ways to grow your nest egg.

Find out more

Fees and charges

This account can only be accessed through Internet Banking or the Mobile App. Fees may be charged for specially requested services. Refer to our latest fees and charges schedule for more information.

Fees and charges

¹Rates are current as at 01/09/25 and subject to change without notice. Interest is payable on balances up to and including $100,000. Balances over $100,000 will not earn interest. You can view Target Market Determinations here .

A convenient, everyday bank account to help manage your daily business transactions.

Convenience

A convenient, everyday bank account with optional Debit Card to help manage your daily business transactions.

Value

Get unlimited electronic transactions at no extra cost to keep the cost of your banking down..

Access

Manage your money online or via one of our financial services stores plus enjoy a range of options to make payments and more.

$10

Monthly fee

Some transaction fees and charges may apply. For more information view our Fees and Charges.

$0

Minimum monthly deposit

There’s no minimum regular deposit needed.

+

User access

Multiple user access for Internet Banking if you need it to make managing your business easy.

Access options

A debit card is optional and depending on your needs, you can also choose to add a business overdraft ¹ or business savings account to your account for even greater flexibility and convenience.

You can pay bills using BPAY®, make fast payments using OSKO plus make deposits and withdrawals using Bank@Post via Australia Post. We also won’t charge you a fee for using an ATM. ²

How to apply

You can apply over the phone or at one of our financial services stores.

Tap and go

Mobile Payments

Use your card to make payments via Apple Pay, Google Pay and Samsung Pay.⁴

Find out more

Fast Payments

Osko

Send and receive money to participating financial institutions in seconds, 24/7.

How it works

No card? No worries

Digital Cards

Now you can access your card details in our mobile app for maximum convenience.

Find out how

Fees and charges

You may be charged a fee for some transactions and specially requested services. These may include but are not limited to in-store cash withdrawals, Bank@Post transactions, staff assisted transactions and overseas ATM withdrawals. Refer to our business fees and charges schedule for more information.

Fees and charges

What transactions can I make in Internet Banking?

Multiple payments to payroll or bill payments
Multi user transaction authorisation and privilege delegation
View your current account balances
View your transaction history
Print out and download your transaction history to an accounting package or database
Obtain details of interest earned and charged
Record or change payment authorities
Arrange the transfer of funds between your accounts
Make regular or one off payments to suppliers
Transfer funds to accounts at other financial institutions
Dual authorisation available for payment services

How can I manage my payroll?

Payroll can be conveniently managed using Community First internet banking. Internet banking provides you with one, easy to manage view including a number of functionalities to make your payroll simple.

You can view Target Market Determinations here . Community First may not accept structures that are unregistered charities, unregistered foundations or unregistered cultural associations.

¹Credit eligibility criteria, terms and conditions, fees and charges apply.

²You may be charged a direct charge fee by the ATM owner.

³® Registered to BPAY Pty Ltd ABN 69 079 137 518

⁴Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a registered trademarks of Google Inc.

The everyday account with the most heart

Access

With a choice of 2 cards, you can use your card wherever Visa is accepted – including overseas, plus make transactions at Bank@Post outlets and our financial services stores.

Feel good

Choose pink and know you’re helping make a difference by supporting the McGrath Foundation who raises money to fund McGrath Cancer Care Nurses.

Convenient

Use your own money to shop in-store and online, pay bills, access cash and more. Plus you have the option of attaching an overdraft¹.

Choose pink and together we can make a difference

By choosing the pink card, you’re helping fund McGrath Cancer Care Nurses in communities right across Australia. To date, this initiative has raised over $1 million for the McGrath Foundation.

About McGrath Foundation

Features and benefits

$0

Monthly fee

The $6 monthly fee will be waived if you’re aged 18-23, deposit at least $2,000 each calendar month (excludes bank-initiated transactions) or you have a membership value of $50,000 or more*.

$1

Donated

When you choose the pink card, $1 of your monthly fee goes to the McGrath Foundation each month.

$0

ATM fees

There’s no fees for things like BPAY®, direct debits, external transfers and Osko payments. International transaction fees apply. For more information view our

Fees and Charges.

$0

Deposit

No minimum monthly deposit, no minimum transactions.

How to apply

You can apply online, over the phone or at one of our financial services stores.

Apply online

Tap and go

Mobile Payments

Use your card to make payments via Apple Pay, Google Pay and Samsung Pay.⁴

Find out more

Fast Payments

Osko

Send and receive money to participating financial institutions in seconds, 24/7.

How it works

No card? No worries

Digital Cards

Now you can access your card details in our mobile app for maximum convenience.

Find out how

Fees and charges

For a full list of our fees and charges, including specially requested services, refer to our latest fees and charges schedule below.

Fees and charges

You can view Target Market Determinations here .

*Monthly fee of $6 is waived on the account if you’re aged 18-23, when you deposit at least $2,000 into the account each calendar month (excludes bank-initiated transactions, reversals, and refunds), or, if you have a membership value of $50,000 or more. Membership Value is calculated by taking the total closing balance of all your Savings, Term Deposits and Loan accounts each day for a membership and averaging this total daily balance across the number of days in the month. Note: Balances are calculated on the effective date of the transaction. Does not include overdrawn balances. Where an accounts debit balance is greater than its approved credit limit, the credit limit amount is instead used.

¹Credit eligibility criteria, terms & conditions, fees & charges apply.

²Google Pay is a registered trademarks of Google Inc.

³Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

⁴Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Be rewarded when you save each month and make no withdrawals

Goal Saver

Bonus rate

Includes standard rate

Variable interest rate for balances up to and including $3 million:

3.60%_{p.a. ¹}

Applies when you make at least one deposit of $50, maintain a credit balance and make no withdrawals or transfers in the month.

Standard rate

Excludes bonus rate

Variable interest rate for balances up to and including $3 million:

0.05 ^%_{p.a. ¹}

Applies when bonus conditions are not met.

Variable interest rate for balances over $3 million:

0.00%_{p.a. ¹}

Predictable

Set up a regular savings plan and be rewarded with interest calculated daily and paid monthly.

Realistic

Bonus interest conditions give you an incentive to save without dipping in.

Easy

It’s easy to keep track of your savings goals with alerts and our mobile app.

Features

$0

Alerts

Set up free SMS and email alerts via Internet Banking to keep track of your balance.