Easy Access Transaction Account
Your day to day savings account for all your basic banking needs. access your funds when and where you need them.
- 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 $500 to $20,000 | 0.01% | Tier 2 | every 6 months |
| Variable Balance $50,001 or more | 0.01% | Tier 4 | every 6 months |
| Variable Balance $20,001 to $50,000 | 0.01% | Tier 3 | every 6 months |
| Variable Balance $0 to $499 | 0% | Tier 1 | every 6 months |
Fees
| Fee | Type | Amount |
|---|---|---|
| Overdrawn Account Fee Payable when any Savings Account is overdrawn by $75 or more within a calendar month Interest will also be charged at the then current Overdraft interest rate | Event | $15.00 |
| Direct Debit Dishonour Fee Direct Debit Dishonour Fee per transaction | Dishonour | $9.00 |
| 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 |
| Bank@Post Cash Withdrawal fee Includes; cash withdrawals, declined Bank@Post transactions including incorrect PIN entered, insufficient funds and exceeding withdrawal limits | Withdrawal | $2.00 |
| Bank Draft Per Draft | Event | $15.00 |
Features
- ATM withdrawals up to $1000
- Free transactions — 10
- In addition 4 other Financial Institution ATM withdrawal fees are rebated, max $8 a month if on Reduced Fees program. 10 free RediATM transactions if on Reduced Fees program
- Overdraft available
- Adding flexibility to your account, Credit Overdraft. Attaching a Credit Overdraft facility to this account means you will always be prepared for those unexpected bills or bargain buys!
- Digital banking
- Internet banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere online with Internet Banking – the service is free.
- Bill payment (BPAY) — BPAY
- BPAY - for your bill payments with access to the BPAY system*
- Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.
Eligibility
- SMSF Allowed
- Minimum age — 18 years
- Individuals onlyIndividuals
- Residency status — Australian Residents
- Residency status — Australian Citizen
More Information
Published by Police Bank under the Consumer Data Right · Last updated 21 May 2026 · Product ID 555646a0-7dcd-43bf-b7a5-63d845ca1da8 · View on CDR.gov.au · View Source Data (JSON)