---
title: "Farm Management Deposit account (At Call) — CommBank"
description: "Transaction & Savings Accounts from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commbank/products/cea8baa02cca4e0990372984db2b0bf2
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-28T09:00:43.000Z
---

# Farm Management Deposit account (At Call) — CommBank

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

**Transaction & Savings Accounts**

A tax-effective investment that allows primary producers to set aside pre-tax income as a cash reserve for later years.

## At a glance

- **Base rate:** 1.35%

## Apply

Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/business/banking-and-cards/bank-accounts/farm-management-account.html)

## Deposit rates

| Type | Rate | Applies to | Interest paid |
| --- | --- | --- | --- |
| Variable (At Call Option. Payment frequency - Quarterly in March, June, September and December. Rate is on Per Annum basis.) | 0% | Amount $0–$999.99 | every 3 months |
| Variable (At Call Option. Payment frequency - Quarterly in March, June, September and December. Rate is on Per Annum basis.) | 0.01% | Amount $1,000–$29,999.99 | every 3 months |
| Variable (At Call Option. Payment frequency - Quarterly in March, June, September and December. Rate is on Per Annum basis.) | 0.75% | Amount $30,000–$99,999.99 | every 3 months |
| Variable (At Call Option. Payment frequency - Quarterly in March, June, September and December. Rate is on Per Annum basis.) | 1.35% | Amount $100,000+ | every 3 months |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Issue of transaction listing or Paper Statement Fee — At Call FMD Account - on the date of request for ad-hoc transaction listing or paper statement | Event | $2.50 |

## Features

- **Helps balance good and bad times, by allowing eligible customers to set aside their individual pre-tax income in good years as a cash reserve to withdraw from in less profitable years.**
- **Withdrawals and deposits are made by phoning your Relationship Manager, or visiting a branch of the Bank.**
- **When you select an At Call Deposit you will receive a standard variable interest rate. Interest is calculated daily and paid quarterly on the full balance when $1,000 or more is held in the account.**
- **Digital banking** (You will be able to renew the term of the Farm Management Deposit account at maturity, in NetBank and the CommBank app.)
- **Flexibility to choose between a fixed term and at call investment option**
- **$1,000.00 minimum ongoing balance in any individual FMD Account at any time.**
- **No account-keeping fees (standard government fees may apply).**
- **Funds held in a FMD account will be deducted from your assessable income in the year in which the deposit is made. Withdrawals are considered assessable income for that year's tax return. Keep in mind, deposits in the FMD account must be kept for at least 12 months to be eligible for tax benefits.**

## Eligibility

- **To be eligible for the scheme and to maintain FMD status, the account holder must be an individual primary producer (this can include the beneficiary of a trust, partner of a partnership, but not joint persons or companies) at the time when they open the account or make a deposit. Deposits must meet the criteria specified in the Income Tax Assessment Act 1997 and those outlined in the Terms and Conditions section of the Farm Management Deposit Accounts document. For further details on eligibility criteria refer to the Farm Management Deposits Law or visit the Department of Agriculture and Water Resources website at agriculture.gov.au. Account holders must also meet the FMD account eligibility criteria as set out by the ATO**

## Constraints

- **Maximum balance** — $800,000.00 (Aggregate balance of all FMD Accounts must not exceed $800,000.00)
- **Opening balance** — $1,000.00 (At Call FMD Account - $1,000.00 minimum deposit)

## More information from CommBank

- [Overview](https://www.commbank.com.au/business/banking-and-cards/bank-accounts/farm-management-account.html)
- [Terms & conditions](https://www.commbank.com.au/business/pds/ADB2671.pdf)
- [Eligibility](https://www.commbank.com.au/business/pds/ADB2671.pdf)
- [Fees & pricing](https://www.commbank.com.au/personal/apply-online/download-printed-forms/InvInterestRates_ADB1072.pdf)

## Data provenance

- Published by CommBank under the Consumer Data Right
- Product ID: `cea8baa02cca4e0990372984db2b0bf2`
- Last updated by the provider: 28 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/cea8baa02cca4e0990372984db2b0bf2
- Provider page: https://www.cdrcompare.au/brands/commbank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/cea8baa02cca4e0990372984db2b0bf2) — 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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