Transactional Accounts
Transaction based accounts for your every day banking needs
There are some fees and charges that may apply to your account.
For the full list please refer to our CMB Schedule of Fees & Charges.
Features & benefits
| Everyday Access |
Budget Account |
Pension Account |
Everyday Offset |
|
|---|---|---|---|---|
| Type | Standard everyday transaction account | Simplified account for managing regular spending | Transaction account for pensioners | Transaction account linked to home loan to reduce interest |
| Unlimited Transactions* | ||||
| Visa Debit Card | ||||
| PayID | ||||
| NPP (Osko) | ||||
| Internet Banking | ||||
| Direct Debit / Credit | ||||
| Recurring Payments | ||||
| Interest | Minimum Monthly Balance | Minimum Monthly Balance | Interest calculated daily and credited monthly | Offset reduces interest on linked home loan balance |
| Monthly Fee | $5; waived for eligible youth & sub-accounts | See fee schedule (may apply) | $5 | No fee |
| Fee Notes | Unlimited transactions applies to online transactions, not in branch | Fee schedule applies; no specific access fee listed | Unlimited transactions applies to online transactions, not in branch | Unlimited transactions applies to online transactions, not in branch |
| Eligibility | Individuals & joint holders; youth version for age 12–21 | Individuals & joint holders | Pensioners over 65 ($65 individual/$66 joint) and receiving a government pension | Must hold a CMB home loan |
| apply now | apply now | apply now | apply now |
* Unlimited transactions include EFTPOS, Visa, ATM withdrawals, BPAY, direct debit, Osko/NPP and online/internal transfers where applicable.
Everyday Access
TypeStandard everyday transaction account
Unlimited Transactions*
Visa Debit Card
PayID
NPP (Osko)
Internet Banking
Direct Debit / Credit
Recurring Payments
InterestMinimum Monthly Balance
Monthly Fee$5; waived for eligible youth & sub-accounts
Fee NotesUnlimited transactions applies to online transactions, not in branch
EligibilityIndividuals & joint holders; youth version for age 12–21
apply nowBudget Account
TypeSimplified account for managing regular spending
Unlimited Transactions*
Visa Debit Card
PayID
NPP (Osko)
Internet Banking
Direct Debit / Credit
Recurring Payments
InterestMinimum Monthly Balance
Monthly FeeSee fee schedule (may apply)
EligibilityIndividuals & joint holders
apply nowPension Account
TypeTransaction account for pensioners
Unlimited Transactions*
Visa Debit Card
PayID
NPP (Osko)
Internet Banking
Direct Debit / Credit
Recurring Payments
InterestInterest calculated daily and credited monthly
Monthly Fee$5
Fee NotesUnlimited transactions applies to online transactions, not in branch
EligibilityPensioners over 65 ($65 individual/$66 joint) and receiving a government pension
apply nowEveryday Offset
TypeTransaction account linked to home loan to reduce interest
Unlimited Transactions*
Visa Debit Card
PayID
NPP (Osko)
Internet Banking
Direct Debit / Credit
Recurring Payments
InterestOffset reduces interest on linked home loan balance
Monthly FeeNo fee
Fee NotesUnlimited transactions applies to online transactions, not in branch
EligibilityMust hold a CMB home loan
apply now* Unlimited transactions include EFTPOS, Visa, ATM withdrawals, BPAY, direct debit, Osko/NPP and online/internal transfers where applicable.
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