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staff packages

Your staff are the back bone of your organisation. Community Sector Banking understands that your staff are just as important as the communities you help - and that’s why we’ve created an innovative range of salary solutions which make it easier for not-for-profits with Public Benevolent Institution (PBI) status to pay staff and administer salary packaging.

Keep all your salary packaging under one roof with our b-packaged® and b-optimised® accounts which help you attract and retain staff with competitive salaries. 

 download our staff packages brochure

  • b-packaged debit MasterCard
  • b-optimised account
  • b-entertained

b-optimised account

The b-optimised account allows you to bundle your benefits and optimise your employees’ banking. Combining both the b-packaged and b-optimised accounts creates a salary payment solution for employers and employees.
The salary sacrificed portion of the employee’s salary for fringe benefits goes to the b-packaged debit MasterCard whilst the balance of the employee’s salary goes into their b-optimised account for everyday access to their money. 


  • Tiered interest rates - the higher your balance, the higher the return
  • Access to funds as needed
  • Minimum opening balance of $1
  • No account service fees
  • Transaction account rebate of $4
  • Internet banking, phone banking and BPAY services
  • Cash card, debit card, overdraft and cheque book facilities available


account fees
Direct debit FREE
Cheque book FREE
Individual cheques 70c
Withdrawals from 40c
Transfers from 40c


Tiered interest rates - the higher your balance, the higher the return:
$0 to $4,999 0.85% pa
$5,000 to $24,999 0.95% pa
$25,000 to $49,999 1.05% pa
$50,000 to $99,000 1.15% pa
$100,000 to $249,999 1.25% pa
$250,000 to $499,999 1.35% pa
$500,000 + 1.45% pa

terms + conditions

+ View the full terms and conditions