If you bank mostly online or by card, the Instant Access Account gives you the freedom to bank anytime, anywhere in Australia. There's no monthly fee and unlimited free online transactions.
Our Everyday Access Account is perfect for those who like the freedom of unlimited transactions and withdrawals and enjoy banking face-to-face at our branches.
Enjoy the flexibility of an everyday account with a the interest of a savings account. There’s no fixed-term contracts and if you maintain a balance of $5,000 or more, we’ll even waive the account service fee.
If you hold a Centrelink Pension Card, then this is the account for you.
| Everyday Access Account | Instant Access Account | Cash Management Account | Everyday Pension Account | |
| Overview | Unlimited free Auswide Bank transactions for a flat monthly fee | Unlimited free online and card transactions | Earn more interest when you maintain a higher minimum balance | For pensioners |
| Interest Paid | No Interest | No Interest | Higher interest on larger balances | Interest in calculated on the daily opening balance at the tiered rate of interest |
| Monthly Account Fee | $5* | nil | nil or $5 ($5 monthly fee applies when balance falls below $5,000) |
nil |
| Unique Eligibility Criteria | personal use only | personal use only | personal & business use | Centrelink Pensioner |
| Visa Debit Card (to access ATM's, EFTPOS, Bank@Post, Online and Overseas purchases) | ✓ | ✓ | ✓ | ✓ |
| Branch Access | ✓ | ✓~ | ✓ | ✓ |
| Counter Cheques | ✓ | ✓ | ✓ | ✓ |
| Cheque Book | n/a | n/a | n/a | n/a |
| Phone/Mobile/Internet Banking | ✓ | ✓ | ✓ | ✓ |
| BPAY® to pay bills | ✓ | ✓ | ✓ | ✓ |
| Direct Credits (wages, pension, rent, dividends etc) | ✓ | ✓ | ✓ | ✓ |
| Direct Debits (to other financial institutions and organisations) | ✓ | ✓ | ✓ | ✓ |
| Electronic Periodical Payments (to other Auswide accounts) | ✓ | ✓ | ✓ | ✓ |
| Auto-Sweep Facility | ✓ | ✓ | ✓ | ✓ |
| Sub-Accounts (eg S1.1,S1.2 etc) | ✓ | ✓ | ✓ | ✓ |
| Account Label (eg "holiday" account, "car" account etc) | ✓ | ✓ | ✓ | ✓ |
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Everyday Access Account, Instant Access Account and Everyday Pension Account available for personal use only - businesses, companies, body corporate, superannuation funds, family trusts, clubs and non-profit organisations are not eligible.
Refer to Guide to Personal Bank Accounts for full account Terms and Conditions and Fees and Charges.
'Auswide Bank' branded ATMs are classified as ATMs displaying the 'Auswide Bank' logo.
* The monthly Account Service Fee may be waived if:
you are an Auswide Bank home loan or line of credit customer with regular payroll credits into this account, or hold an eligible Auswide Bank mortgage or Shareholder Advantage;
or you are a full time primary, secondary or tertiary student and show your current student ID card or proof of enrolment with an Australian educational institution (school, university, TAFE or college) at an Auswide Bank branch. The account service fee waiver will continue to the end of your senior year or the date of expiry shown on your student ID card or proof of enrolment
~ Some branch transactions may incur a fee.
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