Community Account.

A specialised operating account for not-for profits.

Working with you for your community.

The Community Account is part of our ongoing commitment to support not-for-profit organisations, clubs, causes and Certified B Corp businesses.

We understand that every fundraising dollar counts, and the Community Account is designed with that in mind.

Key Benefits.

Flexible access methods, including Visa Debit card, Internet and Mobile Banking and Cheques.


No monthly account keeping fees.

Unlimited FREE deposits, withdrawals and transfers.1

Bonus 0.10% p.a. interest on our standard term deposits.2

Interest rates, fees and charges.

$0 - $4,999 0.01%
$5,000 - $49,999 0.50%
$50,000 - $99,999 1.00%
$100,000 plus 1.25%

Monthly Account Keeping Fee Free
Osko/PAY ID Fee Free
BPAY Fee Free
Branch over the counter cash or cheque deposits Free
Branch over the counter cash withdrawals Free
ATM withdrawals^ Free
Visa purchases Free
EFTPOS purchases Free
Personal cheque withdrawals* Free
Transactions performed via Internet, Mobile or Telephone Banking Free

Transaction Fee each
Declined ATM, EFTPOS or Visa debit transactions~ – one free per relationship per month then: $0.40
Visa debit card or rediCARD overseas ATM withdrawals $4.50
International Transaction Fee² 3.0% of the value of the transaction
Bank@Post deposits $2.00
Bank@Post withdrawals $4.50
TEXT ME! Fee³ $0.26


^Withdrawals and enquiries at Australian and overseas ATMs may incur an ATM operator fee charged by the ATM operator.

View our Fees and Charges Guide for the full details of other transaction and service fees that may apply.

How to apply.

Talk to one of our Community Development Managers who will assist you with the application process.

Who can apply?

This account is available for community groups, not for profit organisations and certified B Corp businesses.  When you acquire this product you will automatically become a member of Beyond Bank Australia and become a part-owner of the bank.

Interest rates are current as at 21 November 2023.

Interest is calculated daily on the whole balance and paid monthly.

*A fee is applicable for the printing and distribution of cheque books, please refer to the Fees and Charges Guide for more information.

`A declined transaction occurs in the following circumstances:

  1. Insufficient funds in the account
  2. Incorrect Personal Identification Number (PIN) entered; or
  3. number of PIN tries exceeded.

Excludes overseas ATM withdrawals and Bank@Post withdrawals and deposits.  Withdrawals and enquiries at Australian ATM’s may incur an ATM operator fee charged by the ATM operator.

Excluding special offers and negotiated term deposit interest rates.

TEXT ME! Fees are not inclusive of 2nd-factor secure SMS authentication messages.

4This fee is payable when you use your Visa Credit Card, Visa Debit Card, Visa Prepaid Card or rediCARD to make a transaction:

  • In a foreign currency when using your card either online or at a merchant point of sale (irrespective of where the transaction occurs); and/or
  • In Australian dollars, when either the merchant or its financial institution/payment processor is located or registered overseas, including transactions that involve dynamic currency conversion where a transaction denominated in a foreign currency is converted to local currency.

(This fee will be collected by Cuscal, with 1.0% payable to us, 1.0% is retained by Cuscal and 1.0% is paid to Visa International). Some overseas Merchants may allow you to pay in Australian dollars, for example, when you make a purchase online or over the phone. This is still considered an international transaction as the transaction is processed overseas and will attract any International Transaction Fee.

Terms, conditions, fees and charges apply. For full details please review our Financial Services Guide, Product Guide and Fees and Charges Guide available on our website at, by calling us on 13 25 85 to request a copy or by visiting a branch. 

This information has been provided without taking into account any of your objectives, financial situation or needs. Before acquiring any products you should read the relevant guides to decide if a product is right for you. 

All products and services are provided by Beyond Bank Australia Ltd, 100 Waymouth Street, Adelaide, SA 5000, ABN 15 087 651 143 AFSL/ Australian Credit Licence 237 856. © 2020

Back to top

Share this page

Excellent choice!

Do you already bank with us?

< Back

Welcome back!

You can open a new account quickly and easily using Internet Banking.

< Back

Welcome back!

Salary Packaging Customers can open a new account quickly and easily using Internet Banking.