Close this search box.

Business Account

Manage your cashflow seamlessly with our simple and secure Business account. Open an account today.

Key Features

Everything you need for running and managing your business day-to-day. 

A convenient way to bank

Everything you need for your everyday business banking including internet banking, flexible payment options and an optional debit card.

Access extra money if you need it

Secured overdraft available for eligible customers.

Old-school service

Our friendly and helpful team is always available to give you a hand in the branch or over the phone.

Competitive fees

$0 monthly account keeping fees.

Rates & Fees

Amount ($)Interest
All credit balances 0.01%
Overdraft rate8.50% p.a.

Most of our banking is free. Where we need to make a charge, we keep these to an absolute minimum.

Monthly Fee$0
EFTPOS cash out$0
Direct debits and external transfers, cheque deposits (single cheque)5 free per month
$0.50c there after


NB: The ATM owner may charge an additional fee.
$1 per withdrawal
Visa debit card $25 p.a.

How to apply

We’ll help you every step of the way through the loan process.  All you need to do is:

1. Contact our Home Loan Specialists

2. Provide us with supporting documentation.

Business account FAQs

Who is Cairns Bank?

Cairns Bank is the trading name of Cairns Penny Savings & Loans Ltd. We’ve been supporting the Cairns community with their banking needs for over 125 years.

We take pride in our personal approach to banking. Getting to know our customers and delivering simple products and services is what we’re all about.

And as a customer owned bank we make decisions based on our customers’ needs, rather than the needs of shareholders.

We understand that switching banks can be a painful process. If you pop into our branch our friendly staff can help you open your new bank account and also help you switch your regular payments to your new bank account.

Yes. Money placed in a business account with Cairns Bank is protected by the Australian Government’s Financial Claims Scheme (FCS).

The scheme protects deposits up to $250,000 per person, per financial institution. Learn more about the FCS.

We will set up your online banking at the same time we are setting up your account.  Please contact the branch if you wish to set up your online banking at a later time.

Open a business account today

To find out more or to open a savings account, book an appointment with our friendly team or visit us in branch.