BSB 806 015

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BSB 806 015

Community Account

Everyday transaction account designed for not-for-profit groups including sports and social clubs, charities and business associations.

Best for

Not-for-profit organisations

Monthly fee


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.

Our Community Account offers a range of free transactions with no monthly fee and no minimum balance required.

  • Get more bang for your buck - we don't charge any monthly fee on this account.
  • Fee free transactions - keep more money in your not-for-profit organisation. A range of fee free transactions are included in your Community Account.
  • ATM access - free and convenient access to your money at all major bank ATMs across Australia.
  • Easy access - access your funds 24/7 via Internet Banking, Mobile App, Phone Banking and SMS Banking.

Interest rates

Product Name Tier Rate
Interest Calculated Interest Credited
Community Account $0 - $99,999 0.01% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month
Community Account > $100,000 0.05% p.a. Daily balance Quarterly - Mar, Jun, Sept, Dec. Last day of month

* Community Account only available to not for profit groups

Community Account Fees & Charges

Account fees & charges
Monthly Base Balance Fee


Base Balance


Unlimited Free Transactions
  • Payroll Credit
  • Direct Credit
  • Bank@Post™ deposit¹
  • Internet Banking Transfer
  • Mobile App Transfer
  • Phone Banking Transfer
  • Express Cheque Deposit
  • Cheque Deposit
  • Cash Deposit (notes)
  • Direct Debit from another institution to P&N Bank
  • VISA Purchase
  • Internet Banking Transfer
  • Mobile App Transfer
  • Phone Banking Transfer
  • BPAY®
  • Auto Transfer (internal/external)
  • Direct Debit
  • Cash Withdrawal
  • Manual Transfer
Transaction fees & charges
Bank@Post™ withdrawal1$3.00 per transaction
Visa purchaseNot available
Cheque withdrawalNot available

The table above covers fees and charges related to this product.

Other fees & charges that apply to all of our accounts can be found on our fees and charges page.

¹ Bank@Post™ deposits and withdrawals are available only with an 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.

Card, Netlink and Phonelink access only available for one to sign accounts.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

What you need

To open a P&N Community Account, you 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.

To be an account signatory:

  • You need to be at least 18 years of age.
  • Have an Australian mailing and residential address.
  • Become a P&N Bank member.
  • If you’re joining as a brand new member, you need your Australian driver's licence or your Australian passport. You can also use one form of primary ID without your photo (eg. your birth certificate or citizenship papers) with one form of secondary ID (eg. your most recent power bill). Original and certified copies of documents are accepted.
  • Read and agree to our Privacy Statement and Terms and Conditions.
  • You don’t have to quote your Tax File Number or claim an exemption, however, if you don’t, you could have withholding tax deducted from any interest credited. You can supply your Tax File Number at any time by visiting a branch or contacting us.

How to get started

In person

Apply for a bank account at your nearest branch. Make sure you bring along all the documents you'll need.

Over the phone

Call us on 13 25 77 and one of our friendly consultants will help you with your application.

Up to 0.05 % p.a. Interest Rate

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