Checking Accounts

Easy access checking account

Even when you’re not using your money, most of your deposits are building a clean and fair world by financing local businesses and other change‑makers who bank with us locally and globally.

How to Get Started?

Watch how it works with this helpful how-to video.

1

Fill the Form

Choose "Checking Account in the navigation menu of your mobile app and choose the account form.
2

Verify Your ID

Enter all your data information, your ID and other bio-data — you are on your way to getting your account reacy.
3

Enjoy!

Confirm the details, submit and you're done. You account will be created and fully setup within 24-48hrs
It's Quick and Easy to Apply Online

Convenient Everyday Banking. Open An Account Today!

If you’re an existing customer with an overdraft, you can log on to online banking and manage your current arranged limit. Our phone, online and mobile banking services are there for you 24 hours a day, every day of the year.

  • Manage your money when you want
  • Withdraw up to $700 a day
  • Get help day or night
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Take a Closer Look

  • Enjoy peace of mind with an arranged overdraft You can apply for one when you open your account, giving you a handy safety net in case you ever need it. Overdrafts are subject to status.
  • Get help day or night If you need a hand we're always here to help. Online, on our app, by phone and in branch.
  • Pay bills and friends with ease Set up new payees, standing orders and direct debits in moments with our app.
  • Earn 7.00% on your checking account. Build up your checking pot with our Regular Saver33, View footnote 3. You can save between $25-$250 each month and earn 1.00%

Compare Accounts

Credit is subject to status, affordability and terms and conditions. At the end of any promotional period, balance transfers and purchases will revert to the standard variable rate. Earn Reward points on eligible purchases you make.

  • No monthly maintenance fee, no minimum balance
  • Paper checks and every digital feature
  • $10 Maintenance Fee
  • No Interest Bearing
  • Interest bearing
  • Discounts on checks
  • Waivable Monthly Maintenance Fee
  • No Fee ATMs
  • $40 Maintenance Fee
  • Yes Interest Bearing
  • Relationship rates and discounts
  • Automatic daily sweeps to savings
  • Premium management and investing services
  • Financial management and our best standard rate
  • $70 Maintenance Fee
  • Yes Interest Bearing
Useful Information

Frequently Asked Questions

Got a question about how we’re organised, applying to work for us, or looking for financial or shareholder information? View more Q&A here

APR is the annual percentage rate (APR) and is used to describe the overall cost of money borrowed. It takes into account the interest rate, when it is charged (daily, weekly, monthly or annually), any fees charged when setting up the loan and any other costs applicable.

Sunray Federal is a full service financial institution offering a full line of personal chequing and savings accounts for personal and business members. We also offer special corporate account for all accounts.

Paying your utility bills or setting up pre-authorized withdrawals will ensure your bills are paid on time, automatically, at a regular interval of your choosing. To set up automatic withdrawal with your bill supplier, you’ll need a pre-authorization form.

You can request a “stop payment” on an individual cheque, on a series of cheques, or on the next pre-authoried debit in a series that you have pending on your accounts by using SunRay® Online Banking or at your branch. A fee may be applied to the stop payment order.

Ready to get started?