How to apply

Apply in person

You can apply in person for a Rural Bank Everyday Account, Gold Cash Management Account or Term Deposit at a participating Australia Post retail outlet.

Step 1

Check whether there is an Australia Post retail outlet near you that offers Rural Bank products.

Step 2

Bring the following with you to your participating outlet:

• originals of the specific documents required by our staff to verify your identity. Find out which identity documents you'll need to open your Rural Bank account.
• cash or a cheque if you are intending to make an opening deposit. Please note that you can't use EPTPOS to make your deposit. You can, however, make your opening deposit by an electronic fund transfer from another account within a set time period of opening your account.
• your tax file number, if you are planning to provide it at the time of opening your account. *

Step 3

Complete your Personal Account Application Form - this form is in Rural Bank's Personal Banking brochure, which is available at your participating Australia Post retail outlet.

Step 4

Take your form and identity documentation to the counter. If you are making an opening deposit, have your cash or cheque ready. Our staff will check all your details and send your application to Rural Bank.

Rural Bank will then open your new account and advise of your new account details generally within 1 business day. If you have requested a Visa Debit card or cheque book, these will be delivered to you within 7 to 10 working days.

Identification documents required to open your Rural Bank account

You need to bring original documents with you when opening your Rural Bank account at participating Australia Post retail outlet, so that our staff can verify your identity.

If you are:

• a new Rural Bank applicant
• an existing Rural Bank customer but you are not able to provide your current Rural Bank Customer Number and/or Account Number
• a joint applicant where either of the applicants is not an existing Rural Bank customer
• a joint applicant where both applicants are existing Rural Bank customers but one of you is unable to provide your existing Rural Bank Customer and/or Account number.

Then please bring originals of these documents with you:

• one original document from Category 1 AND one document from Category 2 or 3 or 4 in the table below

OR

• one original document from Category 2 AND one document from Category 3 in the table below.

All identity documentation presented must be in the same name/s that are written on your application form.

Category 1	Category 2
An Australian Driver's Licence or Learner's Permit (current) A Proof of Age or Photo Card (current and government issued)	An Australian Passport (current or expired with the last 2 years) A Foreign Passport (current and with a certified English translation) An Australian Birth Certificate An Australian Citizen Certificate
Category 3	Category 4
A Utility Bill or Council Rates Notice (less than 3 months old) A Taxation Notice or Centrelink Statement (less than 12 months old)	A Medicare Card (current) A Pension Card (current) A Health card issued by Centrelink (current)

If you are:

• an existing Rural Bank customer and able to provide your current Rural Bank Customer Number and/or Account Number
• a joint applicant where both applicants are existing Rural Bank customers and both can provide your existing Rural Bank Customer Numbers and/or Account Numbers.

Then please bring the original of ONE of the following documents with you:

• an Australian Driver's Licence or Learner's Permit (current)

OR

• a Proof of Age or Photo Card (current and government issued).

All identity documentation presented must be in the same name/s that are written on your application form.

Related links

• Important things that you should know