Better banking for not-for-profits

Community Sector Banking is Australia's first and only specialist banking service for not-for-profits:

  • major shareholders are not-for-profits themselves
  • exclusively for not-for-profits and their staff

Contact us

1300 550 603

business hours
8.30 am – 6.00 pm AEST

    Salary Benefit Card FAQs

    Salary Benefit Card

    Common Questions and Answers

    Can I make cash transactions with this card?
    No. You will not be given access to ATMs with this card, nor can you get CASH OUT at EFTPOS machines.

    Can I pay off my rent or home loan with this card?
    You CAN pay your rent or home loan with this card, including payments to loans with redraw facilities.

    Simply fill out the Salary Benefit Card Periodical Payment Authority (OA481a) in your application pack and send it through to us for processing.

    Community Sector Banking requires original forms for all new periodical payments.

    How do I make a change to my Periodical Payment?
    You will need to complete a new Salary Benefit Card Periodical Payment Authority (OA481a). This form can be e-mailed, faxed or posted to CSB for processing.

    Can I set up Direct Debits on these accounts?
    You can establish direct debits by ONLY using your BSB and account number. Please contact CSB on 1300 550 603 (9am - 5pm AEST) for your BSB and account details or for further information.

    What will happen if my Periodical Payment or Direct Debit does not go through?
    If your account does not hold sufficient funds at the time your direct debit is scheduled, the direct debit will be dishonoured and you will be charged a non-refundable $40 Direct Debit Dishonour Fee.

    If your account does not hold sufficient funds at the time your periodical payment is scheduled, or if you provide CSB with incorrect payee details, the periodical payment will be rejected. If the payment cannot then be made, you will be charged a non-refundable $20 Periodical Payment Dishonour Fee. However, attempts will be made to process the payment on four consecutive days prior to this fee being incurred.

    Can I use BPAY® or transfer money from my account using e-banking?
    No - you will be given restricted (“No Withdrawals”) e-banking access on your account. This type of access only allows you to view your transaction history online. No other e-banking facilities will be available, such as BPAY® Bill Payments or transfers.

    Will I get a (Personal Identification Number) PIN with my card?
    No, you will not be issued with a PIN with this card. To ensure your account remains compliant with FBT legislation, a PIN cannot be issued.

    Can I use my account overseas?
    You can use your Visa Debit Card anywhere that Visa is accepted. Some locations will require the use of PIN number as additional form of verification, so in this instance your card cannot be used.

    Can I deposit extra money to the card?
    No, the only funds that can be deposited to your card are your salary-sacrificed wage payments from your employer.

    Can I pay my credit card with this Salary Benefit Card?
    You are able to pay your credit card using your Salary Benefit Card by establishing a periodical payment from your account to your credit card. It will be necessary for you to retain a copy of the credit card statement for audit purposes as this type of transaction will appear on your statement as a cash transaction.

    Can I use the card to make superannuation contributions?
    You can use the card to make superannuation contributions although they would be treated as employer contributions as they are coming out of your pre tax income. You would need to take care that aged based superannuation limits are not exceeded.

    Can I build up a large amount of money to pay for a large purchase?
    There may be adverse tax implications if you have a credit balance at the end of each Fringe Benefit Tax Year.

    Contact your employer for more detailed information.

    What happens when I leave the organisation?
    The account will be closed and all plastic cards must be returned to CSB.

    Each organisation has different procedures relating to cessation of employment. Contact your employer or CSB for detailed information about procedures.

    How can I obtain the available balance on my account / card?
    You will be given restricted (“No Withdrawals”) e-banking access on these accounts, which will give you access to your available balances, transactions and allow you to print statements.

    You CAN also ring 1300 366 666 (Monday to Friday 8.00am to 8.00pm, Saturdays 9.00am to 4.00pm and Sundays 10:00am - 4.00pm) and press 0 (zero) to obtain your available balance using your card number and a verbal password you will select on your application. This number is available 8.00am to 8.00pm weekdays, 9.00am to 4.00pm Saturdays and 10.00am – 4.00pm Sundays. ALL queries, other than available balances, should be directed to 1300 550 603 (Monday to Friday 9.00am to 5.00pm)

    How can I use the money on this card?
    You are able to use this card to pay:

    • Bills - See your bill for details about credit card payment options;
    • Shops - You are able to use this card at any shop that accepts VISA cards. Swipe the card through the EFTPOS machine, select “Credit” and sign the receipt;
    • Periodical Payments or Direct Debits - By using your BSB and account number details.

    You CANNOT withdraw cash from EFTPOS machines or ATMs with this card.

    Will I be charged any fees?
    Below is a listing of fees and charges* that apply to this account:

    • A $5 Monthly Account-Keeping Fee will be charged at the beginning of the month.
    • The following non-refundable penalty fees may apply to your account:
      • $20 Periodical Payment Rejection Fee
      • $40 Direct Debit Dishonour Fee
      • $27.50 Overdrawn Account Fee.

    * Please note that all fees and charges are subject to change.

    How can my account become overdrawn?
    Your account can become overdrawn by:

    • a Periodical Payment Rejection Fee, Direct Debit Dishonour Fee, Monthly Account-Keeping Fee or Periodical Payment Service Fee being charged to your account, and/or;
    • making a purchase when there are insufficient funds in your account to cover the cost of the purchase. This can occur when the merchant’s EFTPOS machine cannot communicate with the Bank to confirm there are sufficient funds in your account.

    Please call 1300 550 603 (Monday to Friday 9.00am to 5.00pm) for more information.

    Please Note: You may be charged a $27.50 Overdrawn Account Fee in any of the above circumstances.

    What do I do if my card is lost or stolen?
    For Lost/Stolen cards please contact 1300 550 603 (Monday to Friday 9.00am to 5.00pm) during business hours.

    After business hours call 1800 035 383 to cancel your card, please call 1300 550 603 the next working day to have your card reordered.

    PLEASE NOTE:
    To activate your restricted (“No Withdrawals”) e-banking access, call 1300 366 666 (Monday to Friday 8am to 8pm and Saturdays 9am to 4pm and Sunday 10am to 4pm) and press 0 (zero) A login name and password will be provided to you.

    Don’t forget to consider the $5 Monthly Account-Keeping Fee (see above information) when arranging periodical payments or direct debits using your BSB and account number. By keeping track of your account’s available balances via the available balances phone number or your restricted (“No Withdrawals”) e-banking access you will be able to avoid any penalty fees (ie. $27.50, $20 & $40).

    All original documentation should be sent direct to PO Box 585 Corrimal NSW 2518.

    The contact numbers within this document are the only numbers you will need to use with this card. As the Salary Benefit Card is a specific CSB banking product inquiries about this card cannot be made at a Bendigo Bank or Community Bank Branch. The AVAILABLE BALANCES number is for AVAILABLE BALANCES ONLY, please direct ALL OTHER queries to 1300 550 603 (Monday to Friday 9.00am to 5.00pm) or This e-mail address is being protected from spambots. You need JavaScript enabled to view it