BSB 805 050

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BSB 805 050

Zip Account

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

For Members

Aged 25-54

Monthly Fee

$0^

Visa Debit

With payWave

Our Zip Account provides easy access to your money on the go, online, anywhere and anytime. With our Zip Account you could avoid monthly fees^ and get the choice of two unique Visa Debit card designs, with payWave access making it faster and easier to zip through your purchases.

  • No monthly fee for many transaction types when you have $2,000 per month credited to your account, or have a home loan with People’s Choice, and have not opted to receive paper statements^
  • Pay with your digital wallets: Android PayTM , Apple Pay, and Samsung Pay
  • 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*
  • Choice of two unique Visa Debit card designs, exclusive to the Zip Account
  • Visa payWave access to make faster, easier and secure transactions
  • Easy access to your account 24/7 with the People’s Choice Mobile Banking Apps, Internet Banking and Phone Banking
  • Access to over 3,400 rediATMs across Australia
  • Receive monthly eStatements direct to your email

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

  • $0 monthly administration fee - if you have $2,000 or more credited to the account per month, or have a home loan through People’s Choice^
  • $6 monthly administration fee - if you don't meet the above criteria^
  • Fees & Charges Brochure

 

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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

 

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, redi2PAY, Apple Pay, Android PayTM

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, redi2PAY, Apple Pay, Android PayTM

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

18 years and above

Interest Frequency

N/A

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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, redi2PAY, Apple Pay, Android PayTM

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

Interest Frequency

N/A

Remove

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 2.05% p.a.

Access to Account

Visa Debit, redi2PAY, Apple Pay, Android PayTM

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

Interest Frequency

Monthly

Remove

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, redi2PAY, Apple Pay, Android PayTM

Unlimited Free Access

Optional Cheque Facility

Optional Overdraft

Interest Frequency

Monthly

Remove

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
^You must have total credits of $2,000 or more (excluding internal transfers) made to your Zip Account by 5pm ACST on the last day of each calendar month or a drawn down Line of Credit limit or Home Loan with People’s Choice Credit Union to qualify for fee exemptions. 
*The monthly fee or fee exemption does not cover ATM transactions at non-rediATMs, rejected BPAY® transactions and declined electronic transactions, which will incur additional fees.

Android, Android Pay, and the Android Logo are trademarks of Google Inc.

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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