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Everyday Community Account

With not-for-profit community organisations, every cent counts. Rural Bank’s Everyday Community Account is designed to make your money work as hard as you do. It’s a low-cost account, with no monthly service fee, that also pays a competitive rate of interest.

  • No monthly service fees
  • Minimum opening and on-going balance of $1
  • Access to a business cheque book and Rural Bank Visa Debit card
  • Internet and Phone banking services 24 hours a day, 7 days a week
  • A competitive interest rate
  • Interest calculated daily and paid monthly
  • 6 monthly, quarterly or monthly statements

How do I apply / find out more?

Related documents

Frequently asked questions

Everyday Community Account interest rates

Everyday Community Account

$500 to $4999

0.05%

$5,000 to $9,999

0.05%

$10,000 to $49,999

0.05%

$50,000 to $149,999

0.05%

$150,000 to $249,999

0.25%

$250,000 +

0.25%

Interest rates quoted on a per annum basis and subject to change without notice. Interest on Everyday Community Accounts is variable, calculated daily on a tiered basis and credited on the first day of the following month. Minimum opening balance is $1.

Overdrawn interest rate

Overdrawn interest rate

All overdrawn balances

19.90%

Applies to any unauthorised overdrawn balance on Everyday, Gold Cash Management, Money For Living, Interest Earning at Call, Seasonal (with no credit facility) and Seasonal Plus accounts. Quoted interest rate is on a per annum basis, variable and subject to change without notice. Interest is calculated daily on the closing balance and charged monthly.

Financial Claims Scheme

Deposits with Rural Bank are covered by the Financial Claims Scheme. The account holder may be entitled to payment under the Financial Claims Scheme. Payments under the Scheme are subject to a limit for each depositor. Information about the Financial Claims Scheme can be obtained from the APRA website at www.fcs.gov.au and the APRA hotline on 1300 55 88 49.

Fees and charges

For all Rural Bank fees and charges, download the Schedule of fees and charges document.


Interest rates quoted are subject to change without notice. This information has been prepared without taking into account your personal circumstances, objectives, financial situation or needs. Terms, conditions, fees and charges may apply. Full details are available on application, by phoning our Customer Service Centre on 1300 660 115, online or by visiting your local branch. All information is subject to change. Products are issued by Rural Bank Limited.