Business Access Overdraft
Take control of your cash flow with a Capricornian business overdraft so you can ride out those unexpected business expenses.
- From
- 9.1%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Customer margin may apply · Aged 18 years or older | 9.1% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Visa Debit Cash Advance Where credit option is selected for cash/cash and purchase transaction | Withdrawal | $0.70 |
| Establishment Fee - Temporary Overdrafts, Increase of limit between $10 - $10,000 | Upfront | $100.00 |
| BPAY - Branch and Contact Centre | Payment | $3.00 |
| Establishment Fee - Temporary Overdrafts, Increase of limit greater than $10,001 | Upfront | $250.00 |
| Overdraft Service Fee - Overdraft Limit $5,000 and under Charged monthly | Ongoing | $5.00 |
| Overdraft Service Fee - Overdraft Limit between $5,001 - $100,000 Charged monthly | Ongoing | $20.00 |
| Cheque Deposits | Transaction | $0.30 |
| EFTPOS Including declined transactions |
Features
- Digital wallet — Apple Pay
- PayID
- An account of this product type can be used as the target of an NPP PayID. Osko by BPAY available
- Digital banking
- Access is available to online banking features for the product.
- Account Sweep Available Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transaction account's available balance.
- Additional cards
- Notifications — Notification via email, SMS or secure message in online banking.
- SMS and/or email notifications available.
- Card access — A Visa Debit payWave card is available for the product to access funds.
Eligibility
- Minimum age — 18 years
- Credit history - all borrowers, owners, directors and guarantors must have clear credit records. All statutory payments and ATO liabilities need to be up to date and not under arrangement
- Residency status — Individuals must be citizens or permanent residents of Australia.
- Security: Business Overdrafts will require security in the form of residential property, commercial property, or other types of security. A guarantee will also be required by company directors for corporate borrowers.
- You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
More Information
Published by The Capricornian under the Consumer Data Right · Last updated 10 May 2026 · Product ID b441353b-3897-437f-a0da-4ad6f7ae9ea3 · View on CDR.gov.au