---
title: "S90 Business Smart — Central West CUL"
description: "Transaction & Savings Accounts from Central West CUL. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/central-west-cul/products/S90_Business
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-14T09:20:34.000+10:00
---

# S90 Business Smart — Central West CUL

> Transaction & Savings Accounts from Central West CUL. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Transaction & Savings Accounts · CENTRAL WEST CREDIT UNION LTD**

Transactional Account for Business customers

## At a glance

- **Base rate:** 1.75%

## Apply

Applications are handled by the provider: [Apply at Central West CUL]( https://www.cwcu.com.au/lending/apply-for-a-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 0% | — | — |

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable | 1.15% | S90 Business Smart_Tier_1 | monthly |
| Variable | 1.2% | S90 Business Smart_Tier_2 | monthly |
| Variable | 1.3% | S90 Business Smart_Tier_3 | monthly |
| Variable | 1.4% | S90 Business Smart_Tier_4 | monthly |
| Variable | 1.75% | S90 Business Smart_Tier_5 | monthly |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| DECLINED_ATM/EFT_FEE — Discount −$1.50 — Under 18 years of age | Transaction | $0.50 |
| DIRECT_DEBIT_REJECTION_FEE | Transaction | $10.00 |
| DORMANT_ACCOUNT_FEE — Charged after 2 years of inactivity | Event | $10.00 |
| EFTPOS — Discounts apply · Discount −$50,000.00 — Relationship Balance · Discount −$0.90 — Under 21 years of age | Transaction | $0.50 |
| MONTHLY_VISA_CARD_FEE — Fee per card · Fee is applicable to active cards only · Discount −$50,000.00 — Relationship Balance · Discount −$2.50 — Under 16 years of age | Ongoing | $2.00 |
| OVERDRAFT_ESTABLISHMENT_FEE — Only applicable when applying for an Overdraft facility | Upfront | $150.00 |
| OVERDRAWN_ACCOUNT_FEE | Withdrawal | $10.00 |
| OVER_THE_COUNTER_CASH_WITHDRAWALS — Discounts apply · Discount −$1.50 — Under 18 years of age · Discount −$50,000.00 — Relationship Balance | Withdrawal | $1.50 |
| PAPER_STATEMENT_FEE — Charged when a paper statement is produced · Discount −$2.50 — Under 16 years of age | Ongoing | $2.50 |
| STAFF_ASSISTED_BPAY_TRANSACTION_FEE | Transaction | $1.00 |
| STAFF_ASSISTED_DIRECT_TRANSFER_FEE — $10 for immediate transfer | Transaction | $5.00 |

## Features

- **Card access** — Visa debit card
- **Digital banking**
- **Digital wallet** — Apple, Samsung & Google Pay
- **Free transactions** — 4 (4 Free over the counter withdrawals per month)
- **Free transactions** — 8 (8 Free EFTPOS transactions per month)
- **Free transactions** — 3 (3 fee Bank@Post transactions per month)
- **Unlimited transactions**
- **Unlimited transactions**
- **Funds at call**

## Eligibility

- **Residency status** — Australian Residents only
- **Minimum age 18 applies if applying for a overdraft**

## More information from Central West CUL

- [Overview](https://www.cwcu.com.au/savings/on-call-savings)
- [Terms & conditions](https://www.cwcu.com.au/disclosure-documents/conditions-of-use)
- [Eligibility](https://www.cwcu.com.au/savings/on-call-savings)
- [Fees & pricing](%20https://www.cwcu.com.au/disclosure-documents/fees-and-charges)
- [Bundle information](%20https://www.cwcu.com.au/lending/apply-for-a-loan)

## Data provenance

- Published by Central West CUL under the Consumer Data Right
- Product ID: `S90_Business`
- Last updated by the provider: 13 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/central-west-cul/S90_Business
- Provider page: https://www.cdrcompare.au/brands/central-west-cul
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000278

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/central-west-cul/products/S90_Business) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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