Most popular questions...

• There's a transaction I don't recognise on my account. What should I do?

  If there are unauthorised transactions on your account, contact us as soon as possible, as we will need to cancel and re-issue your card.
  You will then need to complete a Visa Card Transaction Enquiry form. As soon as we receive this form we will begin investigating the transactions in question and may contact you for more details.
  A fee may apply for this investigation, but will be reimbursed if the transaction is deemed to be unauthorised. Refer to our Disclosure Documents for more details.
  Depending on the complexity of the investigation, it may take up to 45 days to resolve your enquiry.

• What documents do I need to be identified?

  The law requires us to verify your identity when you open an Account or Membership or when you become a signatory to an Account or Membership.

  The documents required for identification purposes can be one or a combination of identification pieces as required under the Anti-Money Laundering and Counter-Terrorism Financing Act (2006).

  When you visit a branch or Bank@Post outlet to become a member, please bring the following document/s with you:

  Primary Documents with photograph

  • Current Drivers Licence
  • Australian Passport (current or <2 years expired)
  • Current Foreign Passport
  • Student ID Card
  • Proof of Age Card (issued under law of an Australian State or Territory)
  • NSW Photo Card (Issued by NSW Road Transport Authority)
  • Current Firearms Licence
  • Indigenous Community Photo ID Card

  Primary Documents without photograph

  • Australian Birth Certificate or Extract
  • Australian Citizenship Certificate
  • Pension Card (issued by Australian Government for financial benefits)
  • Health Care Card (Issued by Centrelink)
  • Veterans Affairs Concession Card

  Secondary Documents

  • Utility Bills (current within last 3 months)
  • Council Rates (current within last 3 months)
  • Australian Taxation Notice (current within last 12 months)
  • Government Notice recording financial benefits (current within last 12 months)
  • Bank Statement (current within last 3 months)
  • Electoral Commission records
  • Housing Trust records
  • Children (under 18 years) - letter from school specifying name of child, currently residential address and period of time child attended the school (current within last 3 months)

  At least one of the documents you  provide must contain your photograph or signature. There may be other acceptable ways to prove your identity. For more information please contact us. The new regulations require all identification to be current.

  The same rules apply to becoming a signatory to an existing Account or Membership.

  If you change your name, for example, upon marriage, you will need to give us suitable evidence. We will give you guidance on how to go about this.

   

• What is the Visa card fee?

  Visa credit cards carry a $59 annual fee. This fee is waived if you have a home loan, One to One or financial planning relationship with us. 

  Visa debit cards have no annual fee.

• How do I activate my card?

  Your card can be activated online, via your internet banking, at your local branch, or by calling 13 11 82.

  To activate your card online, log in to internet banking and click on Services in the menu bar. Select Activate Card and enter your new card number and expiry date, and click 'Activate Card'. Your card will then be activated. If you wish to change your Personal Identification Number (PIN) you will need to attend your local People's Choice Credit Union branch or a rediATM to process the change of PIN (except NAB or BOQ rediATMs). You will also need to ensure that you sign the back of your new card prior to use.

  Alternatively, visit your local branch or call 13 11 82 to activate your card. To complete this process you will be asked to provide appropriate ID, including your Member Access Password (MAP) or a seven point ID process.

  To activate your PayTag, please visit your local People's Choice Credit Union branch.

• How do I open an account?

  You can open an account using by visiting your nearest branch or calling our National Contact Centre on 13 11 82.

More questions...

• How do I change my contact details?

  If you are registered for Internet Banking you can change your email, address or phone number online using the tools tab. You can also change your contact details by completing a change of address form.
  To change your name or any other details, visit your nearest branch or call 13 11 82.

• How do I open an Everyday Account? 

  You can open an account online, by visiting your nearest branch or, if you’re already a member of People’s Choice Credit Union, by calling our National Contact Centre on 13 11 82.

• How do I get my monthly fee waived? 

  The monthly fee on your Everyday account can be waived if you have a Financial Planning relationship or meet three or more of the criteria listed on page 5 of our Fees & Charges Brochure.

• How do I become a member of People’s Choice Credit Union?

  How do I become a member of People’s Choice Credit Union?

  You can become a People's Choice Credit Union member by buying a redeemable $2 share.

  Your $2 share gives you part ownership in People's Choice Credit Union and allows you access to our wide range of products and services. It also lets you vote at our general meetings and in the annual election of Directors.

  You can open a membership at your nearest People's Choice Credit Union branch and will need to make sure you have sufficient identification documents with you.

  If you are unable to visit a People's Choice Credit Union branch or would prefer to open your membership at a Bank@Post Australia Post outlet, please call us on 13 11 82 for details.

  What documents do I need to be identified?

  The law requires us to verify your identity when you open an Account or Membership or when you become a signatory to an Account or Membership.

  The documents required for identification purposes can be one or a combination of identification pieces as required under the Anti-Money Laundering and Counter-Terrorism Financing Act (2006).

  When you visit a branch or Bank@Post outlet to become a member, please bring the following document/s with you:

  Primary Documents with photograph

  • Current Drivers Licence
  • Australian Passport (current or <2 years expired)
  • Current Foreign Passport
  • Student ID Card
  • Proof of Age Card (issued under law of an Australian State or Territory)
  • NSW Photo Card (Issued by NSW Road Transport Authority)
  • Current Firearms Licence
  • Indigenous Community Photo ID Card

  Primary documents without photograph

  • Australian Birth Certificate or Extract
  • Australian Citizenship Certificate
  • Pension Card (issued by Australian Government for financial benefits)
  • Health Care Card (Issued by Centrelink)
  • Veterans Affairs Concession Card

  Secondary Documents

  • Utility Bills (current within last 3 months)
  • Council Rates (current within last 3 months)
  • Australian Taxation Notice (current within last 12 months)
  • Government Notice recording financial benefits (current within last 12 months)
  • Bank Statement (current within last 3 months)
  • Electoral Commission records
  • Housing Trust records
  • Children (under 18 years) - letter from school specifying name of child, currently residential address and period of time child attended the school (current within last 3 months)

  At least one of the documents you provide must contain your photograph or signature. There may be other acceptable ways to prove your identity. For more information please contact us. The law requires all identification to be current.

  The same rules apply to becoming a signatory to an existing Account or Membership.

  If you change your name (for example, upon marriage) you will need to give us suitable evidence. We will give you guidance on how to initiate this change.

• Are there any hidden fees?

  No, there are no hidden fees. Having the wrong product for your banking needs can result in fees, such as excess withdrawal fees. Check that you're using the right account for your banking needs. Visit the Disclosure Documents section for details on our transaction fees. You can also visit your nearest branch or call 13 11 82.

• Do you have any special arrangements for older members?

  Yes, members aged 55 and over are eligible for our Club 55 account which has high credit interest rates and generous fee benefits.

• How can I switch my transaction accounts to People's Choice?

  For your convenience, there are two options to switch your transaction banking to People’s Choice:

  • We can help you switch your regular payments using our simple switching service; or
  • Manually switch your regular payments (direct credits, direct debits) using our Easy Switch tool

  For more information on using the switching service and the Easy Switch tool, please read the corresponding sections.