Business Access Overdraft

 General Lending Rates

 Product Features

• Card Access

• Additional Cards

• Npp Enabled Additional Information: Osko by BPAY available

• Npp Payid Additional Information: Osko by BPAY available

• Digital Banking

• Notifications

• Bill Payment

• Other Additional Information: Our sweep service automatically transfers funds from certain savings accounts to cover most transactions which would otherwise exceed your transasction account's available balance.

• Digital Wallet

 Product Eligibility

• Residency Status Additional Information: Individuals must be citizens or permanent residents of Australia.

• Business Additional Information: Only a business may apply for the account.

• Other Additional Information: You will need to become a member of the Credit Union before The Capricornian can accept a loan application.

 Bank Fees and Charges

• Account Service Fee Business (Periodic), Amount: 10.00.

• Cheque Deposits (Transaction), Amount: 0.30.

• External Funds Transfer Branch (Transaction), Amount: 3.00.

• Bpay Branch (Transaction), Amount: 3.00.

• Eftpos Including Declined Transactions (Transaction), Amount: 0.70.

• Visa Debit Cash Advance (Transaction), Amount: 0.70.

• Commercial Loan And Overdraft Service Fee Under $5000 (Periodic), Amount: 5.00.

• Commercial Loan And Overdraft Service Fee $5001 To $100000 (Periodic), Amount: 20.00.

• Commercial Loan And Overdraft Service Fee $100,001 To $250,000 (Periodic), Amount: 30.00.

• Commercial Loan And Overdraft Service Fee Greater Than $250000 (Periodic), Amount: 50.00.

• Establishment Fee Commercial Loans And Overdrafts Under $20000 (Upfront), Amount: 500.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

• Establishment Fee Commercial Loans And Overdrafts $20000 To $100000 (Upfront), Amount: 600.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

• Establishment Fee Commercial Loans And Overdrafts $100001 To $250000 (Upfront), Amount: 800.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

• Establishment Fee Commercial Loans And Overdrafts Greater Than $250000 (Upfront), Amount: 1000.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.

• Establishment Fee Temporary Overdraft-commercial And Personal $100-$10000 (Upfront), Amount: 100.00.

• Establishment Fee Temporary Overdraft-commercial And Personal Greater Than $10000 (Upfront), Amount: 250.00.

• Establishment Fee Commercial Overdraft Topup (Upfront), Amount: 400.00. Additional Information: Excludes solicitors costs in mortgage and security preparation, valuation/s and settlement fees.