If you're new to Queensland Country Bank, you can open a Membership and one of our Savings or Transactional account online. Read more about joining Queensland Country Bank.

If you're already a Member, you can open an account online through Internet Banking or the Mobile App. Click on the ‘Apply’ button and then select ‘Create account’.

Alternatively, you can attend your local branch or call our Contact Centre to become a Member or open a new account if you're already a Member.

We use IDVerse to verify that you are who you say you are when you start the process online to open a Membership and an account with us. To learn more about IDVerse and what to expect visit our Online Identity Verification FAQs.

Yes, but sometimes fees may apply depending on your account type, or you may lose any bonus interest for the month. You should check our fees and charges brochure before making the withdrawal.

You can access your Christmas Club account and make unlimited transactions during November and December. There's no card access, but you can make a withdrawal in branch, or transfer to another account on Internet Banking or the Mobile App.

"At call" is a term usually used in relation to savings accounts, and means funds that you can access at any time after they've been deposited and cleared.

For example, our Online Saver is an at call savings account - you can transfer money out of it at any time without affecting your interest.

All personal accounts offered by Queensland Country Bank, provided they meet the specific account eligibility criteria (e.g. age, investment limits and/or lending criteria), can be opened individually or jointly.

The Method of Operation of an account (e.g. multiple signatories, Internet Banking, etc) may impact the access options of the account.

To open a joint account, both you and the intended joint owner will need to visit your local branch or call our Contact Centre on 1800 075 078.

Unfortunately, joint accounts cannot be opened online at this time.

If you no longer require a joint account, we must close the existing account and open a new individual account. Joint owners cannot simply be removed from an existing account.

To get this process started, please visit your local branch or call our Contact Centre on 1800 075 078 for assistance.  

If you no longer need an account, we can help you close it. To get started, you can visit your local branch or call our Contact Centre on 1800 075 078.

If the account is jointly held, we’ll also need authorisation from the other account holder before we can proceed with the closure.

We’re unable to close accounts through the Queensland Country Bank Mobile App or Internet Banking at this time.

We issue your statements either by paper or electronically through Internet Banking (eStatements).

Our preferred method is eStatements, as this supports our environmental sustainability goals and offers you faster, more convenient access to your statements.

We apply your statement delivery method at a Membership level, which means we’re unable to provide a combination of eStatements and paper statements.

If your Membership is closed, we’ll send you a final paper statement to the postal address last held on your Membership.

We make it easy for you to view, download and print your account statements using eStatements in either the Queensland Country Bank Internet Banking or Mobile App.

Mobile App:

• Log into the app and tap the menu icon in the top-left corner of the home screen
• Select ‘eStatements’
• Select ‘View eStatements’
• Then either enter a specified date range or select one of your previously-issued statements from the bottom half of the screen

Internet Banking:

• Log into Internet Banking and select ‘Services’ from the header menu at the top of the home screen
• Select ‘eStatement View’
• Then either enter a specified date range or select one of your previously-issued statements in the bottom half of the screen

Your statement includes important account details such as your name, address, BSB and account number, and can often be used for identification purposes with many Government Departments and businesses.

Should you require additional assistance, you can request a copy of your statement by visiting your local branch or by calling our Contact Centre on 1800 075 078.

BPAY^® is a widely used Australian electronic bill payment system that allows you to pay your bills securely directly from your bank account.

It operates using a unique Biller Code and Customer Reference Number (CRN), which you’ll find on your bill or invoice.

We offer BPAY^® as a payment option to support your bill-paying requirements.

We issue six-monthly statements by default.

If you’d prefer to receive your statements more frequently, we can arrange this for you. Please note, this may be subject to a Service Fee if you choose paper statements as your preferred method of delivery. Please refer to our Fees & Charges brochure for details.

eStatements will not incur a fee when any other frequency is selected.

If you’d like to change the frequency of your statements or the method of delivery, please visit your local branch or call our Contact Centre on 1800 075 078.

A trust account is a specialised, regulated bank account which imposes an obligation upon a person (a trustee) to hold property for the benefit of another person or class of persons (beneficiary) or for the advancement of charitable purposes. In respect to the latter, this is referred to as a Charitable Trust.

We offer several options to pay your bills using BPAY^®:

Mobile App or Internet Banking:

You can make BPAY^® payments through the Queensland Country Bank Mobile App or Internet Banking using the ‘Pay’ option.

In branch:

You can visit your local branch with a copy of your bill and we’ll process the BPAY^® payment on your behalf.

Over the phone via our Contact Centre:

You can call our Contact Centre on 1800 075 078 and we’ll assist you with your BPAY^® payment.  

If you would like to open a Trust Account, please visit your local branch or call our Contact Centre on 1800 075 078.

A Proof of Balance is an official document issued by Queensland Country Bank which verifies a Members’ account details and the exact amount of money in their account at a specific point in time.

You can request a Proof of Balance by visiting your local branch or by calling our Contact Centre on 1800 075 078.

Please note that your Proof of Balance may include uncleared payments (like cheques, for example), so it may differ from your Available Balance.

An overdraft is a short-term credit facility linked to a bank account that allows you to continue spending even when the balance drops below zero, up to an agreed limit. It acts as a financial safety net for cash flow gaps, with interest typically charged only on the amount used.

We currently offer an overdraft facility on the following products: Line of Credit, Visa Credit Card, Visa My Rewards Credit Card, Business Visa My Rewards Credit Card and Business Overdraft (Secured and Unsecured).

Subject to eligibility, it is possible to attach a Business Overdraft to a Business Account product. Terms and conditions apply. If you wish to explore this option, please visit your local branch or speak to a member of our Business Banking Team.

We also encourage you to read our Financial Services Guide, Target Market Determinations and Privacy Policy when considering opening an account.

If you’d prefer to talk through your options, please visit your local branch or call our Contact Centre on 1800 075 078.