Student Access Account
The Student Access Account is designed to provide support to those aged 17-25 years who are studying at University or undergoing a traineeship/apprenticeship. The account provides full branch access for deposits, withdrawals or counter cheques as well as Visa Debit access.
- Base rate
- 0%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable | 0% | — | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| Visa Debit Cash Advance Where credit option is selected for cash, or cash and purchase transactions | Withdrawal | $0.70 |
| EFTPOS Including declined transactions | Withdrawal | $0.70 |
| Dishonour Fee Where there is not enough money in the account to pay a direct debit that the customer has setup. | Dishonour | $15.00 |
| International Transaction Fee Over The Counter Transaction fee charged at the result of the processing of an International Transaction - staff assisted. | Withdrawal | $30.00 |
| Account Service Fee Charged monthly · Account service fee exempt on first account, $6.00 per month subsequent accounts.
| Ongoing | $6.00 |
| International Transaction Fee via Internet Banking Transaction fee charged at the result of the processing of an international transaction via Internet Banking. | Withdrawal | $20.00 |
Features
- Digital banking
- Online banking and mobile app.
- Notifications — Notification via email, SMS or secure message in online banking.
- SMS and/or email notifications available.
- PayID
- An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available.
- Real-time payments (NPP)
- An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment. Osko by BPAY available.
- Bill payment (BPAY) — BPAY available
- Digital wallet — Google Pay
- Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.
Eligibility
- You will need to become a member of the Credit Union before we can issue The Capricornian Account and Access Facility to you
- Maximum age — 26 years
- Minimum age — 17 years
- Residency status — Individuals must be citizens or permanent residents of Australia
More Information
Published by The Capricornian under the Consumer Data Right · Last updated 28 April 2026 · Product ID 9c393395-f87c-4268-84a4-06a91b34b47c · View on CDR.gov.au