Business Cheque Account Plus

Complete everyday business bank account, ideal for customers who mainly transact electronically, but have a high number of branch and cheque transactions each month.
Category: Transaction & Savings Accounts  Last Updated May 4, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a product. Additional Information
Interest Rate
NA PA
Comparison Rate
NAPA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Free Txns Additional Information: 25 in-branch transactions a month: Covers over-the-counter transactions, including cheque deposits and withdrawals.
  • Unlimited Txns Additional Information: Unlimited electronic transactions : Covers online and mobile transfers and payments, and direct debits and credits.
  • Card Access
  • Digital Banking Additional Information: Access anytime, anywhere : Manage and access your account online, on your mobile device, in branch, and via ATMs.
  • Digital Banking Additional Information: With PayTo, you can see, review and authorise all new PayTo payments for things such as recurring bills, memberships and subscriptions before the money leaves your account.
  • Notifications
  • Other Additional Information: Make non-cash payments via services such as BPAY, Pay Anyone, OSKO, Overseas Telegraphic Transfer (OTT) and Direct Debit.
  • Relationship Management Additional Information: RELATIONSHIP_MANAGEMENT is available for eligible customers.
  • Other Additional Information: Statements: Monthly statements are available
  • Other Additional Information: Cheque book, Periodical payments and direct debits, Agency banking features are available
  • Overdraft Additional Information: Overdraft option is available
  • Other Additional Information: Cash flow supported: BankSA business accounts use Osko, which deposits payments into your account near instantly for immediate use.�
  • Fraud Protection Additional Information: The product includes limited range of FRAUD_PROTECTION features.
  • Other Additional Information: Fast, secure payments enabled: Set up PayID to receive payments using your ABN as a unique identifier, which deters scammers.
  • Other Additional Information: Online security guaranteed: We?ll repay any missing funds if your account is compromised by Internet fraud, as long as you?ve complied with our T&Cs.
  • Other Additional Information: Bonus MYOB for 12 months: Buy 1 month of MYOB Business get 12 bonus months when you subscribe with your BankSA business transaction account, debit or credit card. Offer ends 8 Oct 2026.

 Product Eligibility

  • Min Age - 18. Additional Information: Applicant plus all signatories
  • Other Additional Information: Operating in Australia with an Australian address.
  • Other Additional Information: Must not be an individual using the account for predominantly personal purposes
  • Other Additional Information: Sole trader, partnership, company, association, self-managed super fund, trust, or not-for-profit organisation.

 Bank Fees and Charges

  • Account Keeping Fee (Periodic), Amount: 20.00.
  • Internet Banking (Transaction), Amount: 0.00. Additional Information: A transfer between your BankSA accounts, a transfer from your account to another account held within Australia, BPay and PayTo payments.
  • Phone Banking (Transaction), Amount: 0.00. Additional Information: A transfer between your BankSA accounts, a transfer from your account to another account held within Australia and BPay payments. Excludes staff assisted transactions.
  • Eftpos (Transaction), Amount: 0.00. Additional Information: An eftpos transaction other than transactions undertaken on an EFT Terminal.
  • Agency (Transaction), Amount: 0.00.
  • Direct Credit (Deposit), Amount: 0.00. Additional Information: This fee is fee is charged for a deposit to your account by direct credit.
  • Cheque Clearing (withdrawal) (Withdrawal), Amount: 3.00.
  • Cheque Clearing (deposit) (Deposit), Amount: 3.00. Additional Information: This fee is charged for each withdrawal relating to a cheque drawn on your account.
  • Staff Assisted Transactions (Transaction), Amount: 3.00. Additional Information: Where the Staff assisted transaction fee is payable, it is charged for: A withdrawal, transfer or deposit conducted through BankSA, St.George or Bank of Melbourne staff; or cashing a cheque at a BankSA, St.George or Bank of Melbourne branch.
  • Bank@post (Transaction), Amount: 0.00. Additional Information: A transaction conducted via Bank@Post.
  • Collection Item (Transaction), Amount: 3.00. Additional Information: This fee is charged for a cheque or merchant envelope deposit.
  • Direct Debit (Withdrawal), Amount: 0.00. Additional Information: A transfer of funds from your account drawn under a direct debit request you gave another person
  • Periodical Payment (Payment), Amount: 0.00. Additional Information: A transfer of funds that we make on a regular basis at your request from your account to another specific account.
  • Visa Debit Card Transaction (Transaction), Amount: 0.00.
  • Foreign Currency Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: This fee is charged for any transaction that involves the conversion of an amount of foreign currency into Australian Dollars
  • Frequent Statement Fee (Event), Amount: 0.00. Additional Information: This fee is charged for each additional statement provided to you. The fee is charged on the last business day of the month in which the additional statement is provided.
  • Overdrawn Fee (Event), Amount: 15.00. Additional Information: Payable for each day a transaction overdraws your account or increases the amount already overdrawn, is a withdrawal against uncleared funds, or exceeds the available funds in the account at the time of the transaction.

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