Everyday Account

Most popular questions...

• 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 [email protected] 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 Credit Card fee?

  Visa Credit Card Accounts carry a $59 annual fee. This fee is waived if you have a home loan, One to One or financial planning relationship with us or if you are under 25 years old and hold an Activate Account.

  Visa debit cards have no annual fee.

• 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.

• How do I activate my card?

  We offer a few options for you to activate your card.

  1. Activate your card through our Mobile Banking App by selecting 'Card Management' from the menu within the app.

  GET THE MOBILE BANKING APP

  2. Activate your card online using Internet Banking

  LOG IN TO INTERNET BANKING

  Simply 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, then click 'Activate Card'. Done!

  Remember to sign the back of your new card prior to use.

  Alternatively, we are here to assist with card activation through our National Contact Centre on 13 11 82 or by visiting your nearest branch. To complete this process you will be asked to provide appropriate ID, including your Member Access Password (MAP) or a seven point ID process.

• How do I open an account?

  You can open an account via our Mobile Banking App or in Internet Banking if you are an existing member. Alternatively you can call our National Contact Centre on 13 11 82 or visit your nearest branch.

More questions...

• 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 call 13 11 82 or visit your nearest branch.

• 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 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 [email protected] 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 [email protected] 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.

• How do I open an Everyday Account? 

  You can open an Everyday Account via our Mobile Banking App or in Internet Banking if you are an existing member. Alternatively you can call our National Contact Centre on 13 11 82 or visit your nearest branch.

• 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?

  Good choice! Simply apply to become a member and have your Tax File Number and identification handy.

  To make switching easy, please provide us a list of all regular transactions from your previous financial institution.

  Alternatively, click here to complete the form, return to us and we'll obtain a list on your behalf.

  Once completed, simply give us a call on 13 11 82 or visit one of our branches.