Easy Access Transaction Account
Your day to day savings account for all your basic banking needs. Your funds are at call and earn daily interest. You can access your money by card or cheque, set up bill payments and use internet or phone banking.
- Base rate
- 0.01%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable May be applicable if your account becomes overdrawn | 14.1% | — | — |
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Balance $20,001 to $50,000 | 0.01% | Tier 3 | every 6 months |
| Variable Balance $50,001 or more | 0.01% | Tier 4 | every 6 months |
| Variable Balance $500 to $20,000 | 0.01% | Tier 2 | every 6 months |
| Variable Balance $0 to $499 | 0% | Tier 1 | every 6 months |
Fees
| Fee | Type | Amount |
|---|---|---|
| Additional Statement Fee $1.50 per page. Payable if and when you request an additional statement. | Event | $5.00 |
| 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 | Event | $21.50 |
| Visa Overseas Emergency Fee Payable when you request an emergency replacement Visa Card or emergency Cash Advance overseas | Event | $175.00 |
| 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. | Event | $10.00 |
| 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 | Event | $12.00 |
| Bank@Post Cash Withdrawal fee Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits |
Features
- Bill payment (BPAY) — BPAY
- BPAY - for your bill payments with access to the BPAY system*
- PayID
- Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.
- 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 as well as qualify for fee rebates.
- Free transactions — 4
- All Members receive 4 RediATM transactions and are therefore charged 1.37 per transaction. 4 without Reduced Fees Program
- Card access — Visa Debit
- A Border Bank Easy Access Account offers all the features you could ask from an everyday access facility
- ATM withdrawals up to $1000
Eligibility
- Minimum age — 18 years
- SMSF Allowed
- Residency status — Australian Citizen
- Individuals onlyIndividuals
- Residency status — Australian Residents
More Information
Published by Border Bank under the Consumer Data Right · Last updated 21 May 2026 · Product ID 4a05a5a8-0612-4d07-bd8d-319abb66b32e · View on CDR.gov.au