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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.

Helping you help your community

Are you running, or helping to run, a sports or social club, charity or business association? We can help streamline the way your not-for-profit organisation handles its finances.

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.

Ready to open your Community Account?

We're happy to help you open your Community Account at your nearest branch

The Community Account is only available to not-for-profit groups.

You will 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 of age.
  • have an Australian mailing and residential address.
  • become a customer of P&N Bank.

If you don’t already bank with us you’ll need to bring your Australian driver's licence or a valid Australian passport for ID.

A list of alternative identification documents is available for anyone who:

  • is a non-resident
  • doesn't have an Australian photo identity document

You will 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.

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 0.01% p.a. Daily Quarterly
$100,000 + 0.05% 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 here to help

Talk to us

Whether you’d prefer to chat to us over the phone, in person, or online, you can get in touch.

Find a branch

We’ve got branches all over the Perth region, and as far south as Bunbury.

Get answers online

We’ve got heaps of info and answers to your questions in our comprehensive help centre.

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 are subject to 4 working days clearance.

BPAY® is registered to BPAY Pty Ltd ABN 69 079 137 518.