--- title: "S21 Business Account — Fire Service Credit Union" description: "Transaction & Savings Accounts from Fire Service Credit Union. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/fire-service-credit-union/products/2 source: "CDR Compare" language: en-AU last_updated: 2026-03-19T04:00:33.2590705Z --- # S21 Business Account — Fire Service Credit Union > Transaction & Savings Accounts from Fire Service Credit Union. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Transaction & Savings Accounts** The right business account can make it easier for you to do business ## At a glance - **Base rate:** 0.05% ## Apply Applications are handled by the provider: [Apply at Fire Service Credit Union](https://www.fscu.com.au/accounts/transaction-accounts/) ## Deposit rates | Type | Rate | Applies to | Interest paid | | --- | --- | --- | --- | | Variable | 0.05% | — | yearly | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Document Search Fee — Payable when we have to search for documents or information in storage. | Event | $5.00 | | Visa Debit Card Replacement Fee — We replace a lost or damaged Visa Debit card | Event | $20.00 | | Visa Chargeback — We charge back a merchant for a Visa Transaction, on your behalf. A Visa Chargeback is represented and, at your request, the associated dispute is escalated for Visa Arbitration and/or compliace review. | Event | $30.00 | | Branch Cash Withdrawals 1st Tier — $2,000 - $14,999 | Event | $3.00 | | Branch Cash Withdrawals 2nd Tier — $15,000 and over | Event | $20.00 | | Corporate Cheque Withdrawal Fee — Corporate Cheque withdrawal, per cheque | Transaction | $10.00 | | Periodical Payment Fee — There are insufficient funds in your account, on four successive days, to make a requested payment. There are insufficient funds for any future dated BPAY payments. | Event | $5.00 | | Corporate Cheque Stop Payment Fee | Event | $5.00 | | Transaction Fees — First 10 transaction per calendar month are free. For each transaction in excess of 10 per calendar month .50c each | Transaction | $0.50 | | Direct Debit Dishonour Fee — Payable whenever we dishonour a direct debit on your account due to insufficient funds. | Event | $10.00 | | Direct Debit Honour Fee — Payable when we honour a direct debit on your account despite insufficient funds | Event | $5.00 | | Replacement PIN Fee — We reorder and post a PIN to replace a forgotten PIN. | Event | $3.00 | | Large Cash Deposits — Payable whenever cash over $10,000 is deposited over the counter | Event | $20.00 | | Coin Deposits — For coin deposits over $50.00 - 5% of deposit amount | Event | $0.00 | | Dormant Account Fee — Payable whenever there has been no transaction other than interest on your membership for a period of 12 months | Event | $20.00 | | Manual 'Other Bank' Deposits — Payable whenever a deposit is processed manually through another Financial Institution | Event | $10.00 | | Payment Corrections — Payable per manual DE Trace, BPAY enquiry, BPAY error correction or Mistaken Internet Payment | Event | $30.00 | | Overdrawn Account fee — Payable whenever we send you a notice because your savings account is overdrawn with no pre-approved limit or your overdraft is over the approved limit | Event | $10.00 | | Real Time Gross Settlement Inward Payment | Event | $15.00 | | Real Time Gross Settlement Outward Payment | Event | $30.00 | | Replacement Statement Fee — Payable when you request a copy of a statement that has already been issued | Event | $2.00 | | Visa Debit Card — Payable after the initial 2 Visa Debit Cards | Event | $50.00 | | Staff Assisted External Transfer — Staff assisted transfers, per transaction | Event | $2.00 | ## Features - **Bill payment (BPAY)** (Pay your bills from the comfort of your home with BPAY.) - **Card access** — Visa Debit Card (A Visa Debit Card gives you access to your money in branch, at an ATM, in stores and online.) - **Digital banking** (Do your banking online anytime, anywhere using our Internet Banking or Mobile Banking App!) - **Digital wallet** — Mobile Wallet (Load your FSCU Visa Debit card to your mobile device to make fast and easy transactions) - **Real-time payments (NPP)** (New Payment Platform (NPP) Transact instantly with real-time payments.) - **PayID** (PayID - and easily remembered identifier such as email, mobile or ABN linked to your accout at FSCU.) - **Live data feeds available with MYOB & XERO** - **Overdraft available** (Apply for up to $10,000) ## Eligibility - **Business customers** (Available for all members) - **To have a business account with FSCU you must first be a member. To join FSCU, you must either be employed by Emergency Services or have a family member employed in Emergency Services.** - **Residency status** — Australian Residents only ## More information from Fire Service Credit Union - [Overview](https://www.fscu.com.au/accounts/transaction-accounts/) - [Terms & conditions](https://www.fscu.com.au/accounts/transaction-accounts/) - [Eligibility](https://www.fscu.com.au/why-us/membership/) - [Fees & pricing](https://www.fscu.com.au/rates/) ## Data provenance - Published by Fire Service Credit Union under the Consumer Data Right - Product ID: `2` - Last updated by the provider: 19 March 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/fire-service-credit-union/2 - Provider page: https://www.cdrcompare.au/brands/fire-service-credit-union - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000135 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/fire-service-credit-union/products/2) — product data published by Australian data holders under the Consumer Data Right. 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