For those aged 18+
CUA Everyday Account

  • $0 monthly account fees
  • Unlimited fee-free electronic transactions
  • Top up your savings as you spend
  • Tap and pay securely with your phone
Open in less than 5 minutes

Reasons to choose our CUA Everyday Account

When you open a CUA Everyday Account, you get lots of benefits and great tools to help you keep your life running smoothly.

Chat banking from anywhere

Our iM CUA app lets you message the CUA Personal Banker of your choice from anywhere at a time that suits you.

Unlimited fee-free electronic transactions

Enjoy fee free card purchases within Australia, EFTPOS cash out in store plus free access to thousands of ATMs nationwide.

Get a PayID

Link your CUA Everyday Account to a PayID for easy transfers using just your mobile number or email address.

Tap and pay with your phone

No wallet? No worries. Use your phone to tap and pay at the checkout with Google Pay, Apple Pay or Samsung Pay.

Save while you spend

With Savings Top-up, you can add a little extra to your savings account with every debit card purchase over $10.

Earn bonus interest

Deposit $1,000 or more into your Everyday Account each month and receive bonus interest on a linked eSaver Reward Account.


Doing your day-to-day banking should not be expensive.

That's why we don’t charge you fees for electronic transactions nationwide, and offer you loads of ways to access your money.


account keeping fees

Monthly account keeping free
Deposits to your account free
BPAY transactions free
Visa & PayWave purchases (domestic) free
CUA ATM balance enquiry free
EFTPOS purchases and cash out free
Personal cheques $1.50 (from 1 March 2020)
Staff assisted transfers free
Periodical payments free
Bank@Post deposits free
Bank@Post withdrawals $3.00 (from 1 March 2020)
Cash withdrawals at CUA ATM, branch free
For full details of all fees, please refer to our Schedule of Fees.

Getting started

You can open an account online with us in less than 5 minutes.

Apply online

Complete our online application. We can check your ID instantly.

Get your card

Once your account has been opened, your CUA Visa Debit card should arrive in the mail within 7 days.

Switch your regular payments

We can help you switch your salary and regular payments to your new account.

Need some help?

We are always happy to answer any questions you may have.

You'll need your CUA member number and Web Access Code (WAC) to log on.

If you're not set-up for Online Banking yet and don't have a WAC, then click here to register securely for online and mobile banking in less than 2 minutes.

If you've previously registered and forgotten your WAC, then follow the "Reset your WAC" link on the Online Banking login page or call us on 133 282 You can download the CUA Mobile Banking app from the Apple App Store or Google Play.

To save time, you can activate your CUA Visa Debit card in online banking.

Just log in, select ‘My Cards’ and enter the requested information. You'll then be sent a one-time password and as soon as this is entered, your card will be ready to use.
Remember, you only need to activate your card if it’s your first debit card with CUA or a replacement of a card that’s been lost, stolen or damaged. If it’s a replacement for an existing card about to reach its expiry date, the you don’t need to activate it and your current personal identification number (PIN) is still valid.

You can also activate your card in any CUA branch or by calling us on 133 282.

A PayID is a simpler way to identify your CUA account so you can receive instant payments from other participating Australian financial institutions. Your PayID can be your mobile number, email address or ABN (if you’re a busines). Once it’s set up, give your easy-to-remember PayID, instead of your BSB and account number, to anyone transferring money to your CUA account. Your CUA account also allows you to make instant transfers to other people’s PayIDs.

You can create a PayID and make instant payments using CUA Online Banking.
Learn more

Savings Top-up allows you to automatically save every time you make a purchase over $10 from your everyday account using your CUA Visa Debit or rediCARD. For every eligible purchase, you can choose to automatically transfer between $0.50 and $5 into a linked CUA savings account.

You can easily set up Savings Top-up through CUA Online Banking.
Learn more

Important information Important information Show content

The CUA Everyday Account, CUA Everyday Snap Account and CUA Everyday Youth Account are designed to help you manage your day-to-day transactions, so they do not earn interest. For accounts that do earn interest, please consider the CUA Everyday 50+ Account (if you are eligible) or check our range of savings accounts and term deposits.

Your needs and financial circumstances have not been taken into account. Terms and conditions are available on application. Other fees and charges may apply. A General Information, Terms & Conditions brochure and Schedule of Fees are available online or from your local CUA branch. You should read both these documents before deciding whether to purchase this product, issued by CUA.

Deposits up to $250,000 per account holder are guaranteed by the Federal Government under the Financial Claims Scheme.

>| There is no fee for accessing your CUA accounts using your mobile. You may incur charges from your mobile provider – please check with your provider for more details. Access is subject to availability and maintenance.