Youth Access Account
The award-winning, Youth Access Account is designed for young people up to the age of 16 years, offering a full transactional account, no account service fee and no minimum monthly balance.
- Base rate
- 2%
Deposit Rates
| Type | Rate | Applies To | Interest Paid |
|---|---|---|---|
| Variable Account only for members under 18 years of age. | 2% | YOUTH ACCESS ACCOUNT_Tier_1 | monthly |
| Variable Account only for members under 18 years of age. | 1.5% | YOUTH ACCESS ACCOUNT_Tier_2 | monthly |
Fees
| Fee | Type | Amount |
|---|---|---|
| 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 an International Transaction being actioned after a staff assisted transaction. | Payment | $30.00 |
| 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 |
| Account Service Fee Charged monthly · First account free for eligible members. $6.00 per month subsequent accounts.
| Ongoing | $6.00 |
| Visa Debit Cash Advance | Withdrawal |
Features
- Real-time payments (NPP)
- Osko by BPAY available. An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment.
- Digital banking
- Banking app and Online Banking available. Access is available to online banking features for the product
- Digital wallet — Apple Pay
- Digital wallet — Google Pay
- Bill payment (BPAY) — BPAY available
- Notifications — SMS and/or email notifications 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.
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 — 16 yearsIndividuals up to the age of 16
- 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 b8cd6f23-27b7-4840-ab9d-2f8bfeda0b4f · View on CDR.gov.au · View Source Data (JSON)