a brighter future
At Community First, we put our members before profit.

Member Allowances


To minimise or even avoid paying fees and charges we have a Member Allowance system in place, which rewards you,  for the more business you have with Community First.

Under our Member Allowance you will start to receive free transactions based upon the combined total balances of your loans and deposits with Community First.

Combined Total Balances*
of Loans and Deposits

 Free Transaction Allowance
per month
$0 - $4,999

Nil
$5,000 - $19,999

$4.00
$20,000 - $49,999

$8.00
$50,000 - $99,999

$12.00
$100,000 +

$27.00


Additional rebates can be gained by Members when they hold the following products.

Eligible product

 Rebate amount per month
Community First Visa Credit Card

$2.00

Holder of current
CGU Car or Home Insurance policy

$2.00

Any transaction charges, in excess of your monthly allowance, will be debited monthly.

*Your monthly balances for calculating your free transactions allowance are the total closing balances, on the last day of the month, of all your deposit accounts and all your loan accounts. Please note that balances held by you under a second membership will not generally be taken into account when calculating fees.

How to Avoid Paying Excess Transaction Fees

1. Make use of our free transactions - not all transactions cost money

Our free transactions are:

  • Internet Banking Internal Transfer 
  • Telephone Banking Transfer within same Membership
  • Direct Credit from an external party 
  • Payroll Credit   
  • Bpay
  • Visa Debit

2. Take out some extra cash when you are paying by EFTPOS. This way you can save an ATM withdrawal fee at a later time. However if you need to make a withdrawal from an ATM, make larger than needed withdrawals rather than multiple small withdrawals.

3. Always ensure that you have sufficient cleared funds in your account to avoid dishonour fees.

4. Consolidate your business - to take advantage of our Member Balance Allowance, you might want to consider moving the business you have elsewhere to Community First to gain increased benfits under the allowance.

5. Sign for all Visa transactions - when conducting a Visa transaction, select the credit button and sign for your transaction.

6. Avoid direct charge fees by using either the rediATM network or NAB's ATM network, which has recently joined the rediATM network.

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