You need to firstly check the terms and conditions of your access facility. If it is your monthly salary you wish to transfer into the bond and use it as a transactional account it would be best to check with your bank. It is always advisable to transfer excess funds into your bond to reduce your interest burden - but there may be additional costs in using it as a transactional vehicle. As certain clients have experienced last year some of the banks froze access to the access facility and many clients were left stranded.