Buy that coffee, direct debit your bills, transfer that money, or pay your employees. Whatever your endeavour, our range of transaction accounts are designed to make your daily banking easy.
Explore our full suite of transaction accounts:
You’ll also find helpful tools to help you stay on track with your transactions.
Explore our range of transaction accounts to make your everyday banking easier.
An everyday transaction account designed for suit everyone’s needs.
*Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682. AFSL 241 000. Standard account fee of $5 per month is waived if you meet one of the following criteria: you are under 30 or deposit at least $2k/month into the account or if you have $30k or more in deposits and/or loans with us.
An interest-earning transaction designed for pensioners and those over 50 years old.
*Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682. AFSL 241 000. Standard account fee of $5 per month is waived if you meet one of the following criteria: you are under 30 or deposit at least $2k/month into the account or if you have $30k or more in deposits and/or loans with us. Easy Access 50+ is available for persons aged 50 years and over. Interest paid on the portion of the balance that falls within each balance band. Advertised rate is for balances over $200k and subject to change without notice. See full disclaimer and more details on product page.
A transaction account to help make growing a business a little easier.
*Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682. AFSL 241 000. Standard account fee of $10 per month is waived if you meet one of the following criteria: you are under 30 or deposit at least $2k per month into the account or if you have $30k or more in deposits and/or loans with us.
Products issued by Southern Cross Credit Union Ltd. ABN 82 087 650 682. AFSL 241000. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs. Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.
Advertised rates and fees subject to change without notice. Available for new business only.
*Easy Access: Standard account fee of $5 per month is waived if you meet one of the following criteria: you are under 30 or deposit at least $2k/month into the account or if you have $30k or more in deposits and/or loans with us.
*Easy Access 50+: Standard account fee of $5 per month is waived if you meet one of the following criteria: you are under 30 or deposit at least $2k/month into the account or if you have $30k or more in deposits and/or loans with us. Easy Access 50+ is available for persons aged 50 years and over. Interest paid on the portion of the balance that falls within each balance band. Advertised rate is for balances over $200k and subject to change without notice.
Important: Easy Access 50+ interest rates are tiered based on balance bands. The credit interest is paid on the portion of the balance that falls within each balance band. Interest calculated daily and paid monthly on the last working day of the month. Transactions made to or from the account after 5pm NSW time on the last business day i.e. effective dated in the current month but posted in the following month, will be included in the interest calculation for the month in which they were posted. Balances include deposits made to your account.
*Business Plus: Standard account fee of $10 per month is waived if you meet one of the following criteria: you are under 30 or deposit at least $2k per month into the account or if you have $30k or more in deposits and/or loans with us.
Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.
Enjoy having your daily transactions at your fingertips with our mobile app or having personalised support when you need.
Easy-to-use everyday transaction banking account with offset feature linked to your home loan.
A transaction account that earns interest for customers aged 50 years and over, even for joint accounts.
Feature packed and no monthly fee for people under 30. The everyday account for all your needs.
Designed for business owners and entrepreneurs, a transaction account with multiple integrations.
Daily transactions made easier for Not-for-Profit organisations, community groups and charities.
International transfers and cash passport options available to let you bank your way.
Whether you’re on a higher paid job or managing life with a pension, getting clarity on your income and expenses is the best way to stay on top of finances.
With our Monthly Expenses Calculator, you can put your transactions under the microscope and plan your budget with confidence. Knowing where your money is going will give you power to decide on what is your the next best financial step.
Use the Monthly Expenses Calculator to:
As customer-owned and community focused, we place people and meaningful conversation at the core of everything we do. Unlike traditional banks, our profit doesn’t go to shareholders, they are reinvested into improving our services, products and banking solutions to support you every step of the way.
For over 60 years, we’ve helped everyday Australians with competitive financial products, award-winning service, financial education and smart digital solutions. We are here to make banking feel easy, more human, and better for the future.
With SCCU by your side, you are choosing a trusting banking partner who is proudly invested in you, your community, and your future.
Learn More About UsFrom your first transaction to lifelong investments, with you across all financial life stages.
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If you'd like a little extra help, call our team on 1300 360 744.
