Everyday Accounts

Cash Management Account

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.

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Product Features

Instant Access Account

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.

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Product Features

Everyday Access Account

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.

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Product Features

Everyday Basic Account

An account for concession card holders

Have a Commonwealth Seniors Health Card, Pensioner Concession Card or Health Care Card
Unlimited transactions
Reduced fees

Not sure which account is right for you?

Compare our everyday accounts

	Everyday Access Account	Instant Access Account	Cash Management Account	Everyday Basic 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	n/a	n/a	n/a	n/a
Cheque Book	n/a	n/a	n/a	n/a
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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Important Information

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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^® Registered to BPAY Pty Ltd (ABN 69 079 137 518).

To decide if a product is appropriate for you, please carefully read the relevant product terms & conditions or disclosure statement. View the Target Market Determination for this product.