Business Access Account

Our low-cost Business Access transaction account is designed with community groups and small to medium businesses needs in mind and handles your day-to day non-personal transactions efficiently.

Rates

Our Business Access account for community groups and small to medium business needs handles day-to-day transactions to save money with no monthly account keeping fees. Some of the account features and benefits are:

$0 monthly account fee

Save money with no monthly account keeping fees

Get money out fee free

Get money out fee free at People First Bank ATMs and big 4 Bank ATMs in Australia~

Digital security

Cancel or hold your card and block selected transaction types 

Payments on the go

Use a range of smart devices to pay

24hr local service

24 hours, 7 days a week mobile, internet and phone banking

Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year
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$0

Monthly account keeping fee^

Interest Rate
$1 or more
Interest calculated on daily balances and paid 3 monthly

$1 or more

Interest Rate
0.01%

Interest calculated on daily balances and paid 3 monthly

Interest Rate

Interest Rate
Rates Effective From 01/06/2026
Transaction fees

Transaction type 

Fee per transaction
Direct credits and debits Free
EFTPOS
 Free
Visa debit and Visa payWave Free
Counter cash deposits, withdrawals, transfers and BPAY® Free
People First Bank ATM withdrawals, transfers and balance enquiries Free
Cheque deposits Free
Overseas ATM or counter withdrawals (Visa)  $5.00 plus overseas currency conversion fee 
Bank@Post Transactions Free

 

Heritage Online Security Token to authorise batch payments

$50 per token, every 3 years. Includes replacement tokens 
How to open a business account
Whether you're a Sole Trader, Partnership, Company or Trust, we'll need you to provide some specific information to open your new business account.
Learn more
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How to save more money
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Interest rates for accounts
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We're here to help

Our Business Banking Specialists are available to answer any of your questions, so you can choose the product that best suits your needs. They can also help with setting up your business account, internet banking and lots more.  Tap here for assistance.