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BSB 704-191

First Access Account

With the protection of parental spend controls and a range of age-appropriate financial literacy resources, kids can have a great banking experience right from the start.

An everyday transaction account for kids and teenagers
Interest rate (all amounts)

The perfect tool to introduce kids under 18 to the world of banking

  • No account keeping or transaction fees¹

    So your kids get the most out of their money.
  • Easy access to funds

    Via Internet Banking, our Mobile App and branches.
  • Optional Visa Debit Card available

    Available to account holders from 12 years of age.
  • Fun learning experience

    Account holders receive kids’ newsletters with banking tips to help them learn.

It’s never too early to start saving

We also offer a First Saver Account, with tiered interest rates to help teach the benefits of saving money. By using both accounts, kids can learn the value of saving and managing their own money.

When completing your First Access Application for Membership, simply tick that you would also like a First Saver Account in section D.

Rates and Fees

  • Interest is calculated on whole of balance


    Interest rate (p.a.)

    All amounts



  • One-off Fees



    Account keeping fee


    Transaction fees1


    Ongoing Fees



    Annual fee



It’s easy to start banking today

Download an application form or email us today.

Important Information

Interest Rates effective 10 May 2024.

Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.

This information does not take into account your objectives, financial situation or needs. Therefore you should firstly consider the appropriateness of this information and refer to the Terms and Conditions or Product Disclosure Statement (PDS) before acquiring a product. These documents are available at our branches or by contacting us on 1300 654 822. Victoria Teachers Limited ABN 44 087 651 769, AFSL/Australian Credit Licence Number 240 960.

1. Other fees and charges may apply.