Rural Bank is committed to providing you with convenient, reliable and secure access to your accounts. Click on the headings below for further details.
Accessing your funds
Rural Bank offers a number of convenient options for you to access your funds. They include:
ATMs
You can use your Rural Bank card and PIN at any Bendigo Bank or Suncorp Bank ATM free of charge. This shared network arrangement means you have access to 2000 ATMs nation wide.
Using an ATM you can:
- make withdrawals
- obtain account balances
- transfer funds between linked accounts
- deposit cash and cheques (at selected ATMs only)
- change your PIN (at selected ATMs only)
Your Rural Bank card is also accepted at any ATM within Australia or overseas displaying the Visa symbol (please note a fee may apply).
EFTPOS
EFTPOS is a convenient way to pay for your purchases without carrying cash. You can use your Rural Bank card at any location displaying the EFTPOS symbol around Australia. You may also be able to withdraw additional cash when making your payments – please note that some retailers may limit the amount of cash you can withdraw.
Bank@PostTM
You can access your Rural Bank accounts at over 2,500 Australia Post outlets across the country, 1,300 of which are in rural and regional locations. Simply swipe your Rural Bank card and enter your PIN to:
- deposit and withdraw cash (withdrawal limits may apply)
- check your account balance
- pay bills
Internet Banking
Manage your accounts online, 24 hours a day, seven days a week. More details about this service can be found on our Internet Banking section.
Phone Banking
Phone Banking provides Rural Bank customers another conveinient method to access their funds. More details about this service can be found on our Phone banking section.
Metropolitan Branches
Rural Bank customers can also access their funds from one of our metropolitan branches located in Adelaide and Perth. More details about our branches can be found on our Locate Us section.
Investing with Rural Bank
Rural Bank provides a variety of financial products and services including direct debit and credit facilities, phone and internet banking, and access to worldwide ATM and EFTPOS networks.
Our wide range of flexible deposit products has been specifically developed for depositors wanting to earn high interest rates, enjoy bank security on funds invested and obtain easy access to their funds.
Rural Bank offers a choice of investments that can be tailor made to meet your short term cash flow needs as well as longer term investment returns. Deposits over $500,000 are negotiable, based on daily professional money market interest rates. For more information, contact our Money Market team directly.
We look forward to welcoming you to Rural Bank, offering you high interest rates and products with a strong commitment to customer service.
Invest with confidence
Rural Bank is an Authorised Deposit taking Institution (ADI). ADIs such as banks are prudentially regulated by the Australian Prudential Regulation Authority (APRA).
APRA sets and enforces stringent standards designed to ensure that under all reasonable circumstances, ADIs can meet their obligations to depositors. ADIs must comply with APRA prudential standards at all times and are subject to ongoing supervisory oversight by APRA.
The Australian Securities and Investments Commission (ASIC) regulates Rural Bank.
US financial markets
Rural Bank has no direct exposure to the US sub-prime mortgage market or to off-shore financial markets. Rural Bank does not have any sub-prime housing assets and has not invested in highly structured products or securitisation vehicles.
Rural Bank continues to adopt a conservative approach in investing. All investments are made in Australia, either as cash investments in Australian ADIs or loans to primary producers.
Rural Bank’s 2010 financial results demonstrate the strength of the bank with:- record after tax profit of $55.4m (up 23% on 2009)
- return on average equity of 16.8%
- total assets of $4.24bn
- loans under management of $3.67bn
- total deposits of $3.62bn
- 10 years of continual positive financial returns
Use your money online and over the phone
A Rural Bank Visa Debit card allows you use your own money to pay bills and make purchases wherever Visa is accepted, without the need for a credit card.
Australian Government Financial Claims Scheme
Like all other Australian ADIs, deposits with Rural Bank are protected by the Financial Claims Scheme (formerly referred to as the Government Deposit Guarantee). For more information, view our fact sheet.
