How our fees work

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There are a number of ways you can reduce or avoid the fees and charges you could incur as part of your transactional activity whilst using your People's Choice Credit Union transaction or savings accounts and services. As everyone's transactional behaviours are driven by their individual needs, the information provided below can only be considered as general information and you should consider your individual circumstances when determining how to adapt your behaviour to reduce or avoid fees.

For further information, assistance and advice on how to reduce your transactional or service fees, please contact our National Contact Centre on 13 11 82 or visit your nearest branch.

Choose the right account for your needs

You should choose the account best suited to your needs by looking at your transacting and banking patterns. A high interest earning account may seem like the obvious choice but there are various situations where choosing a different account may be a better option for your needs. Since everyone has different transactional requirements, it might be best to talk to our staff on 13 11 82 to discuss your requirements and options available in detail.

Consolidate your banking

If you hold funds or have accounts with other financial institutions, it may make sense to consolidate your accounts to minimise your fees. Our staff can assist you to switch your accounts to People's Choice Credit Union.

Topics

  1. How our fees work

  1. How our fees work

    1. How do I find out about fees, rates and charges for my accounts?

      To find out more information about our fees and charges, please refer to our Fees and Charges brochure located on the website.

    2. How can I avoid transaction fees?

      These are the easiest and most cost-effective ways for members to transact at People's Choice Credit Union:

      How to avoid transaction fees
      What you want to do How you should do it Cost
      Check account balance Use Phone, Internet or SMS Banking
      or Balance printer (in branch) or rediATM      		 FREE
      Transfer funds between
      People's Choice Credit Union
      accounts      		 Use Phone or Internet Banking FREE
      Make purchases at EFTPOS 

      Visa Card holders should select credit

      rediCARD holders should use EFTPOS

      FREE#

      FREE or $1.25*
      Deposit funds Use People's Choice Credit Union
      branches or Bank@Post      		 FREE
      Withdraw cash Use rediATMs or EFTPOS FREE or $1.25*

       

       

    3. Check account balance before you transact

      Keep your ATM transaction slips as a record of your balances held and avoid attempting transactions when you have insufficient funds, or use the account balance facility before attempting a withdrawal to avoid overdrawing from your account. Phone, Internet and SMS Banking are free services that you can also use to find out your account balances before you transact.

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Copyright © 2013 People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd
ABN 11 087 651 125    Australian Financial Services Licence (244310) and Australian Credit Licence (244310)    BSB 805-050