Community Account
An everyday transaction account designed for not-for-profit groups including sports and social clubs, charities and business associations.
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.
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.
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.
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 ATM Card or 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.