Internet Banking

Day to day banking

Income streams aren’t easy to control in farming. We have products that let you control your own money and give you access to finance from day to day and when you need it most.

See also - Day to day banking options in Banking for everyone.

Seasonal Account

Why be limited by your seasonal income cycle? With a Rural Bank Seasonal Account you can have easy access to finance all year round.

A Rural Bank Seasonal Account is an all-in-one account that lets you do all your banking, plus gives you the option of a working capital facility with a Seasonal Overdraft.

When your account is in credit, you’ll earn interest at our current rate. When you’re in debit, you’ll pay a competitive rate of interest – your choice of monthly, quarterly or every six months.

There’s no minimum opening balance, or any minimum balance you need to maintain. You can use your Seasonal Account whenever you need – with perfect freedom.

  • No minimum opening or ongoing balance requirement
  • A Rural Bank Visa Debit card to give you convenient access to your account*
  • Access to Rural Bank's Internet and Phone Banking service 24 hours per day, 7 days a week
  • Competitive interest rate on credit balances with interest calculated daily and paid either monthly, quarterly or 6 monthly
  • Choose from 6 monthly, quarterly or monthly statements
  • Optional business chequebook
  • Optional Seasonal Overdraft facility

How do I apply / find out more?

Related documents

Seasonal Account deposit interest rates

Seasonal Account deposits

$500 to $4,999

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

0.05%

$250,000 +

0.05%

Rates apply for Seasonal and Business Cheque Accounts with a credit (positive) balance. Interest rates quoted on a per annum basis and subject to change without notice. Interest rates on Seasonal and Business Cheque Accounts is variable, calculated daily on a tiered basis and credited to the account at the same frequency as debit interest (either monthly, quarterly or six-monthly).

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.