A no-fuss, do-it-all account that helps you do more with your money. It’s completely free of transaction fees* and there are no monthly fees.

Free Visa Debit Card with payWave

You also get a free Visa Debit Card with payWave which you can load into Google Pay™, Apple Pay, Samsung Pay, Fitbit Pay and Garmin Pay™. Now you can pay for purchases using your smart device, wherever mobile payment systems are offered.

Unbeatable security

Get unbeatable security through measures such as the Visa Zero Liability policy (which protects against unauthorised transactions) and our own 24/7 fraud monitoring service.

You’ll also be able to temporarily lock your card (if you misplace it), plus block payWave, international and online transactions whenever you need to – using the Mobile Banking App or Internet Banking.

Online banking 24/7

Online banking with this account is available 24/7 with Internet Banking and our Mobile Banking App. Internet banking will provide you with eStatements as well as the means to securely message each other, reducing paper and postage costs.

No transaction fees

Make transactions without it costing you – the way it should be. Learn more

No monthly fee

There are no monthly access fees on the Access Account.

Free Visa Debit Card

With payWave access. Learn more

24/7 banking

Tap. Pay. Done. It’s that easy. Say hello to Google Pay™

Access Account interest rates

Product NameInterest Rate
Access Account0.00% pa

Access Account fees

Fee

Amount

Monthly Fee

There are no monthly access fees on the Access Account.

$0

Transaction Fee

There are no transaction fees on the Access Account.*

$0

ATM Withdrawal Fee (Australia and Overseas)

Credit Union SA does not charge for ATM withdrawals.*

Please note: overseas transactions have a 3% currency conversion fee.

$0

Apply now

If this sounds like the right account for you, apply online right now!

Apply online

Already a member?

Open an account using your Mobile Banking App or Internet Banking.

Mobile Banking App

  • Select Open new account from the drop-down menu, then click Access Account and follow the instructions.

Internet Banking

  • Select Apply for from the top navigation menu, click Account, then choose Access Account from the list and follow the instructions.

Call us on (08) 8202 7777

Visit us at 400 King William Street, Adelaide

Save and budget

We’ve got you sorted with a number of handy calculators that will help you work out exactly what you’ll need to do to achieve your financial goals, whether that be borrowing money, making repayments, or creating a savings plan.

Calculate now

Flexible banking

Mobile Banking App

Available for both Apple and Android smart devices, the Credit Union SA Mobile Banking App allows you to utilise all the best functionality of our website and Internet Banking services – anytime and anywhere you have an internet connection.

Learn more

Digital Wallet

Digital wallets can be used to pay for purchases via a Credit Union SA Visa Debit Card or Visa Credit Card loaded into your smart device, wherever mobile payment systems are offered.

Learn more

The credit union difference

At Credit Union SA, we offer all the same services as a bank but with one very important difference - our highest priorities are our members and our community.

Learn more about us

FREQUENTLY ASKED QUESTIONS
View all Accounts FAQs

This can depend on what you want to use your account for. View a list of all of our accounts, and their benefits.

Alternatively call (08) 8202 7777 during business hours or visit us at 400 King William Street, Adelaide.

Credit Union SA has a range of Transaction Accounts for you to choose from giving you the control to select the account type that suits your banking needs best.

The all-in-one Access Account gives you the flexibility to conduct your day-to-day banking whenever and however you want. It’s completely free from transaction fees* and there are no monthly fees.

There are also no fees for card order or reissues, and online banking with this account is available 24/7 with Internet Banking and our Mobile Banking App.

Find out which transaction account is best for you.


*We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

At Credit Union SA we like to help people where we can, and tailored, fee free* savings accounts for children and students are a perfect example.

Access Account (Students)

Our Access Account for students will serve you well in all forms of transactions. It’s completely free of transaction fees* and there are no monthly fees.

Find out more


*We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

At Credit Union SA we want you to be able to make the most of what you've earned. That’s why we offer a dedicated 55+ Account that offers members aged 55 and up the ability to earn high returns without having to lock funds away, with no monthly account keeping fees or transaction fees.

View our current rates and fees.

As a member of Credit Union SA, you have access to a unique Access Code, which will enable us to verify your identity and ensure that it's only you who accesses your funds and personal information.

Using your Access Code you are able to quickly:

  • Receive any information about account(s)
  • Check your balances and transactions
  • Open a new account
  • Advise us how you wish us to deal with a maturing Term Deposit
  • Change or cancel periodical payments
  • Rearrange existing payroll deduction authorities
  • Transfer funds between your accounts or to an external account
  • Stop payment on a cheque
  • Change any personal details.

If you don't yet have an Access Code, you can download the form and return to our branch.

Secure Mail is only accessible through Internet Banking, which you can access via the login button at the top right of the Credit Union SA home page. If you aren’t registered for Internet Banking visit us at 400 King William Street, Adelaide or call us on (08) 8202 7777 and we’ll get you setup in no time.

We offer Home Loan Offset Accounts on our Standard Variable Rate Home Loans and variable loans under a Home Loan Package. To find out more visit the Compare Home Loans page.

You can notify us using your Mobile Banking App or Internet Banking.

Mobile Banking App

Select ‘Overseas Travel’ from the drop-down menu, then ‘Travel notifications’ and follow the prompts.

Internet Banking

Select ‘Cards’ from the top navigation menu, then click ‘heading overseas’ and follow the prompts.

Alternatively, you can call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide.

We’ll then be able to make educated assessments as to the legitimacy of your financial transactions and notify you immediately if any suspicious activity takes place, whether abroad or locally.

INFORMATION YOU SHOULD KNOW

The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination

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*We do not charge any fees when using ATMs within Australia. However, some ATM operators may charge a fee to process your transaction or balance enquiry. If withdrawing cash overseas a fee may be charged by the ATM operator and the details will be disclosed at the time of the transaction or enquiry. Other fees and charges may apply. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

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Android, Google Pay, and the Google Logo are trademarks of Google LLC. Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Fitbit and the Fitbit logo are trademarks or registered trademarks of Fitbit, Inc. in the U.S. and other countries. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.