Become a Member

The Fine Print

All Access account: 

*Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges and for definitions of the terms Direct Entry and Contributing Accounts.

** The Monthly Account Service Fee of $6 is waived for each month that you satisfy one or more of the following:

External direct credit of $1,000 or more to your All Access account each month; or
Total savings, investments and borrowings of $50,000 or more held in any of the Contributing Accounts as at the last day of each month; or
An Australian War Veteran, Aged or Disability Pension is directly credited to the All Access Account; or
A current Queensland Country Ultimate Home Loan Package is held in the same name as one of the account holders; or
You (the account holder) are under 18.^^
^ Refer to our Account and Access Facility Conditions of Use brochure for more information.

^^ Restrictions apply to Members under 18 years of age.

# Restrictions apply for Members aged 13 to 15.

The information above does not take into account your objectives, financial situation or needs. Before acting on the information you should consider whether it is right for you and seek your own advice.

Before acquiring this product, the information above should be read in conjunction with the following document to determine if this product is right for you: Target Market Determination

Online Saver

*Refer to our Fees and Charges brochure for information on transactions which do not incur a fee, and information on transactions which may attract fees and charges.

Children under the age of 13 require a parent or guardian to open the account as an authorised person. The Online Saver account is opened in the child’s name. Whilst transactions should generally be performed online, if transactions do occur in branch, they will require the signature of the authorised parent/s or guardian/s.

# Internet banking and mobile app access for Members under the age of 13 is restricted to view only. Authorised parents and/or guardians are permitted full access.

Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable.

Before acquiring this product, the information above should be read in conjunction with the following document to determine if this product is right for you: Target Market Determination

Learners and Earners

*Refer to our Fees and Charges brochure for information on other transactions which may attract fees and charges and for definitions of the terms Direct Entry and Contributing Accounts.

The information above does not take into account your objectives, financial situation or needs. Before acting on the information you should consider whether it is right for you and seek your own advice.

Before acquiring this product, the information above should be read in conjunction with the following document to determine if this product is right for you: Target Market Determination

Future Start Account

*Refer to our Fees and Charges brochure for information on transactions which do not incur a fee, and information on transactions which may attract fees and charges.

Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable.

Before acquiring this product, the information above should be read in conjunction with the following document to determine if this product is right for you: Target Market Determination

Pension Plus

Applicants for a Pension Plus account must be at least 65 years of age.

*Refer to our Fees and Charges brochure for information on transactions which do not incur a fee, and information on transactions which may attract fees and charges.

Before acquiring this product, the information above should be read in conjunction with the following document to determine if this product is right for you: Target Market Determination

Bonus Saver 

*Refer to our Fees and Charges brochure for information on transactions which do not incur a fee, and information on transactions which may attract fees and charges.

Bonus interest is not earned in any month where a withdrawal or transfer is made from the account, regardless of whether that transaction is made within the free allowance for that calendar month.

Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable.

Before acquiring this product, the information above should be read in conjunction with the following document to determine if this product is right for you: Target Market Determination

Christmas Club

*Refer to our Fees and Charges brochure for information on transactions which do not incur a fee, and information on transactions which may attract fees and charges.

Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable.

Before acquiring this product, the information above should be read in conjunction with the following document to determine if this product is right for you: Target Market Determination

Important details

Please be aware that interest rates may change at any time without agreement. All interest rates quoted are per annum. Fees and charges are payable. Before acquiring any of these products, the information above should be read in conjunction with the following documents to determine if these products are right for you: Financial Services Guide; Personal Savings and Transaction Accounts brochure; Account and Access Facility Conditions of Use and Deposit Interest Rate Schedule.