BSB 805 050

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BSB 805 050

Everyday Account

Flexible transaction accounts with unlimited selected transactions and a low monthly fee

For Members

Aged 25-54

Visa Debit

With payWave

Our Everyday Account has everything you need for your everyday transactions. You have easy access to your money with the benefit of selected transactions for a low monthly fee. You can have the low monthly fee waived if you hold three or more eligible products with People’s Choice Credit Union.

  • Visa Debit card with the convenience of payWave access to make faster, easier and secure transactions
  • Ability to link the account to a Visa PayTag and our redi2PAY App
  • Easy access to your account 24/7 with the People’s Choice Smartphone and iPhone App, Internet Banking and Phone Banking
  • Access to 3,400 rediATMs Australia wide
  • Make unlimited rediATM transactions, EFTPOS transactions, Visa Debit card ‘credit’ purchases, Direct Debits, BPAY® transactions, and People’s Choice Credit Union Branch, Agency, and Bank@Post transactions, all for a set monthly fee*
  • Ability to have the monthly fee waived if you have three or more eligible products with People’s Choice Credit Union^
  • Monthly statements with the option to receive eStatements direct to your email
  • Ability to link a cheque book or overdraft facility to your Everyday Account

You can open your new Everyday Account online, over the phone by calling 13 11 82 or by visiting your nearest branch.

  • Monthly administration fee - $6.50
    • The monthly fee is waived if you have a People's Choice Financial Planning relationshipor have three or more of the eligibile products outlined in our Fees & Charges Brochure.
  • Fees & Charges Brochure

Most popular questions...

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.

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Product Summary

Account Purpose

Administration Fee

Criteria to waive administration fee

Interest

Access to Account

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

Interest Frequency

 

Flexible transaction accounts with unlimited selected transactions and a low monthly fee

Account Purpose

An everyday transaction account that gives you easy access to your money with unlimited selected transactions for a low monthly fee. Ability to have monthly fee waived if certain criteria is met.

Administration Fee

$6.50 per month ($0 per month if you meet the criteria below)

Criteria to waive administration fee

3 qualifying products.
Refer to our Fees and Charges Brochure for eligible products.

Interest

N/A

Access to Account

Visa Debit, PayTag, redi2PAY

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

Interest Frequency

N/A

Under 25? Our Activate Account has it all with no monthly account keeping fees

Account Purpose

A transaction account designed specifically for members aged 13 to 24 years. With no monthly fees, easy access to your account via Internet and Smart Phone Banking and no minimum balance.

Administration Fee

$0

Criteria to waive administration fee

N/A

Interest

N/A

Access to Account

rediCARD, Visa Debit, PayTag, redi2PAY

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

18 years and above

Interest Frequency

N/A

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Provides easy access to your money on the go, online, anywhere and anytime

Account Purpose

An everyday transaction account designed for members aged 25 to 54 years with the ability to have no monthly fees! Easy access to your account via Visa Debit card with payWave, Internet and Smart Phone Banking and online eStatements.

Administration Fee

$6 per month ($0 per month if you meet the criteria below)

Criteria to waive administration fee

$2,000 per month credited to the account or a People's Choice Home Loan^

Interest

N/A

Access to Account

Visa Debit, PayTag, redi2PAY

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

Interest Frequency

N/A

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A transaction account designed specifically for people 55 years and over

Account Purpose

A transaction account designed specifically for people 55 years and over

Administration Fee

$0

Criteria to waive administration fee

N/A

Interest

Up to 3.00% p.a.

Access to Account

Visa Debit, PayTag, redi2PAY

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

Interest Frequency

Monthly

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An Offset Account is an everyday transaction account that can help reduce the interest charged on your home loan.  Speak to us today about your home loan needs

Account Purpose

A transaction account that can help you reduce the amount of interest you pay on your home loan. The account is linked to your People's Choice standard variable home loan and reduces the balance of the loan that you pay interest on by what savings you have in your Offset Account. 

Administration Fee

$8 per month when linked to a loan

$6 per month when not linked to a loan

Criteria to waive administration fee

N/A

Standard lending fees and charges apply. Refer to our Fees and Charges Brochure for details

Interest

N/A

Access to Account

Visa Debit, PayTag, redi2PAY

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

Interest Frequency

Monthly

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hi…

Thank you for your enquiry. Unfortunately we don’t have a branch in this area, so please call us on 13 11 82 to see how we can still help you.

®Registered to BPAY Pty Ltd ABN 69 079 137 518
*ATM transactions at non-rediATMs, rejected BPAY® transactions and declined electronic transactions are not free and will incur additional fees.
^ The monthly fee is waived if you have have an ongoing relationship with People’s Choice Financial Planning (Financial Solutions in WA) or have three or more of the eligibile products outlined in our Fees & Charges Brochure.

Terms, conditions, fees and charges apply and are available on application.

The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.

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