Why choose a Community Account?
ATM access
At atmx and major bank ATMs across Australia.
No minimum balance
Bank and spend on your terms without a worry.
Fee-free banking
Save money with no monthly or transaction fees.
Bank online, 24/7
Easily transfer money and pay bills using internet banking or our mobile app.
Manage and access your money with ease
- Available to not-for-profit community groups and sporting clubs.
- Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.
- Free cash withdrawals at atmx terminals and all major bank ATMs across Australia.
Rates & fees
Sometimes simple is better. And our Community Account keeps things simple.
Interest rates
| Balance | Interest rate | Interest calculated | Interest credited |
|---|---|---|---|
| Under $100,000 | 0.00% p.a. | Daily |
Quarterly
|
| $100,000 + | 0.00% p.a. | Daily | Quarterly |
| The basics | |
|---|---|
| Monthly fee | $0 |
| Minimum monthly balance | No |
| Everyday transactions | |
|---|---|
| EFTPOS and Visa purchase | Free |
| Withdrawal at atmx and major bank ATMs in Australia | Free |
| Internet banking & mobile app transfer | Free |
| BPAY® transaction | Free |
| Direct debits and direct credits | Free |
| Non-standard transactions | |
|---|---|
| Bank@Post™ withdrawal | $3.00 |
| Bank@Post™ deposit | Free |
| Card replacement - standard | $10.00 |
Other fees and charges may apply. For more information, please read the full list of account fees and charges.
We're happy to help you open your Community Account at your nearest branch.
When you open a Comminity Account, you'll need to provide a copy of the constitution for your organisation and meeting minutes to identify the people who'll be the account signatories.
To be an account signatory, you'll need to:
- be at least 18 years old
- live in Australia with a current residential address
- become a customer of P&N Bank
Please note: The Community Account it is only available to not-for-profit groups.
If you don’t already bank with us, you’ll need your Australian driver’s licence or a valid passport.
If you’re not an Australian resident or don’t have photo ID, we also accept alternative forms of identification.
You'll also need to provide a copy of the constitution for your organisation, and meeting minutes to identify the people who'll be the account signatories.
If your group is incorporated, we’ll also need your Certificate of Incorporation or a Certificate of Registration.
We're happy to help you open your Community Account at your nearest branch.
When you open a Comminity Account, you'll need to provide a copy of the constitution for your organisation and meeting minutes to identify the people who'll be the account signatories.
To be an account signatory, you'll need to:
- be at least 18 years old
- live in Australia with a current residential address
- become a customer of P&N Bank
Please note: The Community Account it is only available to not-for-profit groups.
If you don’t already bank with us, you’ll need your Australian driver’s licence or a valid passport.
If you’re not an Australian resident or don’t have photo ID, we also accept alternative forms of identification.
You'll also need to provide a copy of the constitution for your organisation, and meeting minutes to identify the people who'll be the account signatories.
If your group is incorporated, we’ll also need your Certificate of Incorporation or a Certificate of Registration.
We're here to help
Get answers online
Got a question? Our help centre is the ideal place to start.
Important information
Banking and Credit products issued by Police & Nurses Limited (P&N Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms & conditions, fees & charges apply.
Read the relevant product terms and conditions before deciding if a product is right for you.
Bank@Post™ deposits and withdrawals are available only with a P&N VISA Card. Cheques must be made out in the name of the cardholder to be accepted at Bank@Post™ and require a minimum of 7 business days for clearance.
BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.