The account is BCU's premium everyday banking product linked with Visa debit card and comes with cheque book and BPAY facilities. Customers have unlimited access to their funds via the linked Visa Debit card, Internet, mobile and in-branch banking.
BCU Access account
- Account keeping fee
- $0
- ATM withdrawal fee
- $0
- Overseas transaction fee of transaction value
- 3%
Our verdict
The BCU Access account is an everyday banking product with no account keeping fees.
This account has no monthly account fees to worry about, and there are no ongoing deposit conditions to meet either. This could be suited to you if you like to make transactions in a branch, as you can make unlimited withdrawals or deposits in a BCU branch for free. Some other transaction accounts charge a fee for in branch transactions. If you don’t live near a BCU branch you can also make cash deposits at the post office using Bank@Post, but there will be a transaction fee.
Something to be aware of with this account is the international transaction fee of 3%. There are lots of transaction accounts today that don’t charge this fee at all, so keep this in mind if you plan to use the account to make purchases overseas or online from international retailers.
Pros
-
No minimum deposit required.
-
$0 withdrawal fees at any BCU ATM.
-
No account keeping fee
Cons
-
International transaction fee applies on overseas purchases
Details
Key details
| Product Name | BCU Access |
| Monthly account fee | $0 |
| Card access | Visa |
| Own network ATM fee | $0 |
| International ATM Fee | International ATM fee $0 |
| International transaction fee | 3% |
| Monthly deposit required to waive account fee | N/A |
| Contactless Payments | Apple Pay, Google Pay, Samsung Pay |
Eligibility
| Minimum Age | 16 |
| Joint account availability | No |
| Minimum opening deposit | N/A |
| Residency status | Permanent Australian residents with an Australian address |
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Alison Finder
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