Retail Investors – Personal

Access 31

Access 31 is a fee-free*, higher interest non-transactional account that requires 31 days notice for the withdrawal of funds. Upon withdrawal, funds can only be paid to your nominated account with another financial institution.

Term Investment

For higher interest, longer term investments with options of 90 days, 6 months, 1 year and 2 years.

  • Attractive interest rates
  • You can choose to have interest paid at maturity or annually for investments longer than 12 months
  • Minimum investment is $5,000

Minister’s Expense Accounts (MEAs) & Minister’s Expense Card (MEA Visa)

For details regarding MEAs and MEA Visa please refer to the Associates – Churches and Ministries page.

It is important to note that the Minister’s Expense Card (MEA Visa) is issued by Indue Ltd ABN 97 087 822 464 AFSL 320206 (Head Office located in Brisbane). CCFS is an agent of Indue for distribution of the Card. This page may contain general advice. It does not take account of your personal objectives, circumstances or needs. Consider its appropriateness before acting on it. Read the Product Disclosure Statement or terms and conditions before deciding.

Long Service Leave (LSL) Accumulator Account

CCFS provides a customised solution to Long Service Leave provisions that is structured for funding and securing minister and employee entitlements independent and unexposed to the financial position of the church. In contrast to some previous arrangements, the account is an employer-owned and operated account. Please see the equivalent section under the “Associates – Churches and Ministries” page

Church Builder Interest Offset

Available to retail investors who wish to provide financial assistance for their church building activities. CCFS holds the investment on behalf of the investor, with the investor retaining ownership and control, whilst “donating” their interest in a tax effective manner. In accordance with APRA and ASIC requirements, any investment in an offset account requires 31 days notice for withdrawal.


BPAY is a bill payment service that enables you to pay your bills day or night, through internet banking. Paying bills with BPAY couldn’t be much easier. That’s why on average, over 4 million payments are made through BPAY every week.

BPAY gives you total control of your payments. You can pay one-off bills including telephone, electricity and gas on the internet or schedule payments for later. It’s easy and convenient. To view a full listing of BPAY billers visit

To pay with BPAY follow these simple steps:

  1. Look for the distinctive BPAY logo on your bills .

  2. Login to CCFS Online or call 1300 MY CCFS (1300 69 22 37)
  3. Select the BPAY or bill payment option and follow the simple instructions.

* These accounts do not attract any regular account keeping fees however, any third party fees (such as dishonour fees) will still apply.