BCU Basic Access

BCU Basic Access

Fee Free Deposit

0

Account Keeping Fee

0.00

Cover your everyday banking needs with this BCU account that offers online access and a Visa debit card.

  • No monthly account keeping fee
  • Internet and Phone banking
  • $0 minimum balance

Product details

The Basic Access account from BCU is an everyday banking account designed for Australians who prefer the convenience of banking online with a linked Visa debit card. No monthly charges apply and in most cases you can also avoid transaction fees when you use non-branch methods of banking, including when you use your debit card.

Important

As of NOVEMBER 2018, this product is only available to existing customers. It is no longer available to new customers. For existing customers, variable interest rates still apply.

Review more banking products from bcu.

What are the features of the BCU Basic Account?

Consider the features of the BCU Basic Access account and compare them to other options so that you can find the right account for your needs and circumstances.

$0 Monthly account keeping fee

There is no monthly service charge for the Basic Saver account.

Other fees you may be charged

You are allowed a set number of EFTPOS and ATM transactions each month before a fee applies. The number of transactions, and the amount charged, varies depending on the type of membership you have with BCU. There is, however, always a $2.50 charge for any staff assisted deposits or withdrawals.

Access your account online or over the phone

Your account can be accessed online, with the option of adding features such as BPAY, direct credit, direct debit and periodical payments. You can also check balances and make withdrawals at an ATM using your Visa debit card or Cue card. Telephone and branch banking is also included and a cheque book facility is available upon request.

Linked Visa debit card

Depending on your age, you will have the choice of a Cue or Visa debit card. The Cue card is a basic debit card for making ATM withdrawals while the Visa debit card allows you to make purchases online and overseas.

Access to the Westpac ATM network

Your Visa or Cue debit card can be used at any BCU, Westpac or St.George ATM at a reduced fee. Other network ATMs may charge you additional ATM operator fees.

One-off membership fee

The Basic Access account is only available to members of BCU. Membership is open to all Australians and can be requested online.. Individuals aged 18 or older will need to make a one-time purchase of shares in the credit union, valued at $10.Younger applicants pay a portion of that fee when they apply and the balance after reaching their 18th birthday.

Pros

  • No monthly account keeping fee
  • Internet and Phone banking
  • $0 minimum balance

Cons

  • No interest paid
  • Only available to members of BCU

Important

As of NOVEMBER 2018, this product is only available to existing customers. It is no longer available to new customers. For existing customers, variable interest rates still apply.

Review more banking products from bcu.

Back to top Back to top Back to top

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy & Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.
Ask a question
Go to site