Community First Everyday Access Account

Community First Credit Union gives you plenty of options to customise your everyday account to meet your needs.

With the Everyday Access Account you have the buying power of a Visa debit card plus you get to choose if you need an overdraft, cheque book or deposit. This lets you personalise your everyday banking account to suit you.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee


Overseas transaction fee

of transaction value

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Product NameCommunity First CU Everyday Access Account
Monthly account fee$0
Card accessVisa
ATM Withdrawal Fee$1.50
International ATM Fee$5
International transaction fee3%
Monthly deposit required to waive account feeN/A
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This account could be suited to customers who have another banking product with community First, for example a home loan, and want to link a day-to-day account they can easily access. However, there are quite a few additional fees charged with this account in comparison to other everyday transaction accounts.

There’s no monthly account keeping fees, but there is a $2 monthly fee if you choose to link a debit card to the account. However this fee is waived if you also have a home loan with Community First. There’s also a fee of $1.10 when you use your debit card for EFTPOS purchases, a $1.50 fee for all ATM withdrawals in Australia, a $5 fee for overseas ATM withdrawals and a 3% international transaction fee.

It is, however, free to use your debit card for purchases when you select ‘credit’ at the terminal, and all BPAY payments are free of charge.

Key features


In order to take advantage of the Community First Everyday Access Account you must first become a member of the Community First Credit Union. This step can be completed as a part of applying for the account.

Monthly account keeping fees

Community First does not charge a monthly service fee for this account.

How to apply


If you find that the features of the Community First Everyday Access Account are in line with your banking needs, you can apply online. There are some eligibility requirements you will need to have to meet first in order for your application to be considered:

  • Minimum age. Applicants will need to be at least 18 years of age in order to be considered for the Everyday Access Account.
  • Residency requirements. You can apply so long as you are an Australian resident with an Australian residential address in Sydney and the Central Coast Region.

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