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
  • Interest calculated daily
  • You can choose to have interest paid at maturity or for longer term investments, at pre-determined intervals during the term of the investment.

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.

Long Service Leave (LSL) Accumulator Account

CCFS provides the solution, with a structure for funding and securing minister and employee entitlements that is 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 personal customers who wish to provide financial assistance for their church building activities. CCFS will hold the investment in Trust on behalf of the investor, with the investor retaining ownership and control over their investment at all times, whilst “donating” their interest in a tax effective manner. In accordance with APRA requirements, any investment in an offset account requires 31 days notice for withdrawal.

BPAY

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 bpay.com.au

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.