An everyday account for full time students (including high school, tertiary, college or university), apprentice or trainee aged 17-24.


No monthly account keeping fees or transaction fees. Plus we won't charge you to use an ATM in Australia (direct charge fees may apply).


Use your own money to securely shop in-store and online, pay bills via BPAY and direct debit, access cash and more.

Choose your options

A debit card is optional and you can also choose to add a $500 overdraft 1 for those unexpected expenses. 



Monthly account fee

A monthly account keeping fee does not apply.


ATM fees

We won't charge you an ATM fee however a direct charge fee may apply from the ATM owner.


Transaction fees

There's no fees for things like BPAY, direct debits, external transfers and purchases.


Minimum balance

There's no minimum deposit or minimum number of transactions required.

How to apply

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


Staying secure online

A kids guide

Take a look at the kids guide to using the internet securely and level up your knowledge.

View the guide

Tap and go

Mobile Payments

Make payments via Apple Pay 3 , Google Pay 2 and Samsung Pay 4 .

Find out more

Fast Payments


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

How it works

Fees and charges

Fees may apply for specially requested services. Refer to our latest fees and charges schedule below for a full list of fees and charges.

You can view Target Market Determinations here

1 Only available to members 18 and over. Credit eligibility criteria, terms & conditions, fees & charges apply.

2 Google Pay is a registered trademarks of Google Inc.

3 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.

4 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

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