Everyday banking for not-for-profit businesses that makes every dollar count, with no transaction fees whatsoever.

Community minded

Eligible businesses include charities, community and sporting groups, public schools, colleges, universities and other educational organisations, councils and registered political parties that are not-for-profit.*   


Manage your money online or via one of our financial services stores plus enjoy a range of options to make payments and more.

Features and benefits


Monthly fee

No monthly fees to help keep banking low cost


Transaction fees

There's no fee for transactions like direct debits and credits, making purchases with your debit card, paying bills or accessing ATMs. 1


Minimum monthly deposit

No need to make regular credits to the account to keep it transaction fee free.

Access options

A debit card is optional and depending on your needs, you can also choose to add a business overdraft 3 or business savings account to your account for even greater flexibility and convenience.

You can pay bills using BPAY® 2 , make fast payments using OSKO plus make deposits and withdrawals using Bank@Post via Australia Post. We also won't charge you a fee for using an ATM. 1

How to apply

You can apply over the phone or at one of our financial services stores.


Tap and go

Mobile Payments

Use your card to make payments via Apple Pay, Google Pay and Samsung Pay. 4

Find out more

Fast Payments


Send and receive money to participating financial institutions in seconds, 24/7.

How it works

Card security

Visa Secure & eftpos Secure

A free fraud prevention service to help protect you when shopping online.

Find out more

Fees and charges

You may be charged a fee for some transactions and specially requested services. Refer to our business fees and charges schedule for more information.

  • Multiple payments to payroll or bill payments
  • Multi user transaction authorisation and privilege delegation
  • View your current account balances
  • View your transaction history
  • Print out and download your transaction history to an accounting package or database
  • Obtain details of interest earned and charged
  • Record or change payment authorities
  • Arrange the transfer of funds between your accounts
  • Make regular or one off payments to suppliers
  • Transfer funds to accounts at other financial institutions
  • Dual authorisation available for payment services

Payroll can be conveniently managed using Community First internet banking. Internet banking provides you with one, easy to manage view including a number of functionalities to make your payroll simple.

You can view Target Market Determinations here.
*Community First may not accept structures that are unregistered charities, unregistered foundations or unregistered cultural associations. 

1 You may be charged a direct charge fee by the ATM owner.

2 ® Registered to BPAY Pty Ltd ABN 69 079 137 518

3 Credit eligibility criteria, terms and conditions, fees and charges apply.

4 Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Google Pay is a registered trademarks of Google Inc.

Community First Credit Union LimitedABN 80 087 649 938 | Operating as Community First Bank | AFSL and Australian credit licence 231204| BSB 512-170