CUA Everyday Account
An everyday account with no monthly fees that gives you access to your money anywhere and anytime you need it.
The CUA Everyday Account is a convenient transaction account for everyday spending. The account comes with no monthly account keeping fees, unlimited fee-free everyday transactions and multiple ways to access and use the account including Internet and mobile banking, Apple Pay, Google Pay and Samsung Pay.
Account keeping fee
ATM withdrawal fee
Overseas ATM withdrawal fee
Overseas transaction fee
of transaction value
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Alison Banney is the banking and investments editor at Finder. She has written about finance for over six years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.
The CUA Everyday Account is designed for everyday spending, with no account keeping fees and unlimited fee-free electronic transactions in Australia.
It offers lots of different ways to spend including a free Visa Debit Card as well as Apple Pay, Google Pay and Samsung Pay. You can also set up a personal PayID for the account to make online transfers without using your BSB or Account Number.
Overseas ATM fees do apply and there’s a foreign transaction fee applied to international transactions too. So if you travel a lot, or if you regularly shop online on overseas sites, you might want to consider the CUA Everyday Snap Account instead where you can avoid these fees.
But if saving is your main priority, you’ll get bonus interest on a CUA eSaver Reward account when you link to this account and meet the monthly deposit conditions. Plus, you can use CUA’s Savings Top Up feature to round up your everyday purchases and add the remaining money straight into your savings.
No monthly account keeping fees
With CUA you are not charged a monthly fee for your Everyday Account.
Multiple ways to access your account
You can bank in person at any CUA branch or Bank@Post, or you can use Internet, mobile and phone banking to manage your funds.
Linked Visa Debit Card with Visa payWave
This account is linked to a Visa Debit Card, allowing you to make withdrawals at ATMs and EFTPOS purchases wherever Visa is accepted. You can also use your debit card to tap-and-go without entering your PIN for purchases under $100.
Samsung Pay, Google Pay and Apple Pay available
You can add your CUA Visa Debit Card to Samsung Pay, Google Pay or Apple Pay to start making secure contactless payments on the go with your phone.
Access more than 10,000 ATMs Australia-wide
Make cash withdrawals from rediATMs as well as any CommBank, Westpac, NAB or ANZ ATM for free.
Mobile banking app available
CUA offers a free mobile app for iPhone and Android devices, so you can manage your balance and make payments on-the-go.
Ongoing balance of just $1
You need to maintain a minimum of $1 in the account in order for it to stay active.
How to apply
CUA is an Australian credit union that offers membership to anyone regardless of where you live or work. You can apply for this account online. Eligibility requirements you will be asked to meet include:
- Minimum age. You must be at least 18 years of age for your application to be accepted.
- Residency requirements. Membership into CUA and the Everyday Account are available for Australian residents with residential addresses.
- Depository requirements. In order for this account to be activated you must make an opening deposit of at least one dollar.
Filling in the application forms will be made easier if you have the following documentation readily available:
- Tax file number. Your tax file number (TFN) or exemption code is used on interest earning accounts to help ensure that the correct withholding tax rate is being applied.
- Identification. Acceptable forms of photo identification documents include your passport, driver's licence or Medicare card.
What happens after I submit my application?
Upon verifying that the information you provided is correct, CUA will contact you with the details of your new account. You will also receive your Visa debit card, which will need to be activated before you can begin making any ATM or EFTPOS transactions.