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Transaction Accounts

Everyday banking made easy. Open an account today.

Access Plus

A day-to-day transaction account.


A day-to-day transaction account designed for pensioners.

With Cairns Bank you get

$0 monthly account keeping fees

Personal Service

Access your money when you need it

Open an account today

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

Transaction 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.

When you come into the branch to finalise your account we’ll set up your online banking and help you get started.

Yes. Money placed in a transaction 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.