FAQ

Mobile Banking

Most popular questions...

• What is a PayID?

  PayID is an easy way to make sending and receiving payments simpler. It allows you to link financial accounts to more common information such as your mobile number or email address.

  Your accounts will still have a BSB and Account Number, but you will be able to provide your PayID to receive payments without sharing your BSB and Account Number. You can also send money to others using their PayID.

• How do I know if my payment is being sent via Osko?

  When making a payment via Osko, the Osko logo will be displayed on the Payment Confirmation screen within Internet Banking and the Mobile Banking App. You will also be shown a message on this screen stating: ‘This payment will be made using Osko and should arrive within minutes’. 

• Do I need a PayID to make or receive Fast Payments?

  No, you do not need a PayID to make or receive Fast Payments – this is an option only. 

• I have tried to create a PayID but it is saying that my email or mobile number is already in use.

  You can only link your PayID to one account across all financial institutions. If you think you might have created this PayID at another financial institution, you can change your existing PayID to a transferrable status with that financial institution and then register it with People’s Choice.

  If you think someone has incorrectly registered your PayID, you can lodge a dispute by completing the ‘Dispute PayID’ process in Internet Banking or our Mobile Banking App. Follow the registration steps to create your PayID, complete the verification process and lodge your Dispute.

• Can I schedule or create recurring payments using PayID?

  No, you are not able to schedule or create recurring payments using PayID. If you would like to schedule a payment or create a recurring payment, please pay to a BSB and Account Number. Scheduled payments will not be sent as a Fast Payment, so make sure you consider this when setting your transfer dates. 

More questions...

• How can I create a PayID?

  A PayID can be created within Internet Banking or your Mobile Banking App.
  Simply select ‘Manage PayID’, click ‘Create New PayID’, fill in the required fields and complete the steps. For detailed instructions please view our instructional video here.

• How will I know when I am sending a Fast Payment?

  When making a Fast Payment the Osko logo will be displayed on the Payment Confirmation screen in Internet Banking and your Mobile Banking App. You will also be shown a message on the same screen advising when your payment is expected to be received.

  You can also check the list of participating financial institutions to see if the receiving financial institution is listed. 

• My payment didn’t arrive in minutes. Why not?

  We are only able to send Fast Payments between participating financial institutions. Please check with your Financial Institution to see if your account is eligible for Fast Payments. 

  A full list of participating institutions can be found here.

• Why can others see my name when they search for my PayID?

  The name of a person registered to a PayID is displayed to the payer to avoid mistaken payments and cases of fraud. The information cannot be used to withdraw money or create a false identity, and is only provided in accordance with the person’s consent and according to the terms and conditions of the PayID service. People’s Choice and other financial institutions also use additional measures to prevent against fraud. Members can use an email address as their PayID instead of a mobile number and still enjoy the benefits of fast, secure and convenient payments with Fast Payments.

• What is Osko?

  Osko is a service built on the New Payments Platform which will enable Fast Payments to a PayID or a BSB and Account Number.

• I have sent a Fast Payment but would like my funds to be returned.

  To request a payment return you will need to contact a People’s Choice branch or call us on 13 11 82; we will then lodge a request with the receiving financial institution.  

• I have received unexpected funds in my account. What should I do?

  To investigate a payment received in your account in error, contact us in branch or by calling us on 13 11 82; we will then lodge a request with the sending financial institution.  

• What if I sent money to the wrong person?

  You can request a payment sent in error to be returned to yourself. Contact our team directly in branch or by calling us on 13 11 82; we will then lodge a request with the receiving financial institution.  

• How do I change my pin?

  To change your pin, simply follow these steps:

  1. Sign in to your People’s Choice Mobile App
  2. Go to card management
  3. Tap the card you would like to change the pin for
  4. Select Change Card PIN
  5. Enter and confirm the new PIN
  6. Tap Change.
• What is the difference between locking and closing a PayID?

  A PayID which is locked will not be able to receive payments however you can unlock your PayID at any time. A closed PayID will no longer be able to receive payments into the linked account and will be available to be registered by others who may have access to it i.e. a family email address.  

  Manage your PayID:

  Download the latest version of the People’s Choice App, go to Menu > Manage PayID

  Or login to People’s Choice Internet Banking and go to Accounts > Manage PayID 

• Can I choose my PayID name?

  When creating your PayID you will be provided a list of name options that reasonably represent and identify you as the account holder. You must select an option from this list.

  For example an Account Name of Jonathon Smith with a preferred name of John may be provided the following options:

  • John Smith
  • Jonathon Smith
  • J Smith
• How do I Tap and Pay with Google Pay, Apple Pay or Samsung Pay?

  GOOGLE PAY
  To Tap and Pay with your phone using Google Pay, simply follow these steps:

  1. Check your mobile number is up to date on your People’s Choice account via internet banking, if it is not up to date, make sure it is before continuing
  2. Register for Google Pay by downloading the Google Play App from the Google Play Store
  3. Add your People’s Choice Credit Union card
  4. Tap & Pay! There's no need to launch the App - simply wake your device to make payments.

  
  APPLE PAY
  To Tap and Pay with your phone using Apple Pay, simply follow these steps:

  1. Open the People’s Choice Mobile Banking App
  2. Tap ‘Add your cards now’ at the top of the home screen
  3. Select the card you’d like to add to Apple Pay
  4. Follow the prompts.

   

  SAMSUNG PAY
  To Tap and Pay with your phone using Samsung Pay, simply follow these steps:

  1. Download the Samsung Pay App
  2. Open the Samsung Pay app and sign in with your Samsung ID.
  3. Register your fingerprint and device passcode which you’ll use to authorise payments.
  4. Have you got a Galaxy S8 or Galaxy S8+? You can even use iris authentication!
  5. Scan or enter your People’s Choice Visa Debit or Credit card details.
  6. Verify your card details and enter the verification code.
• How do I register for Secure Code?

  Once you have installed the People’s Choice Mobile Banking App and registered -  that’s it. 

  If you choose to transact via Internet banking at any time, you can access a secure code from the hamburger menu option via your Mobile Banking App, or, simply approve the push notification received to your device.

• How do I find an ATM near me?

  To find an ATM near you, simply follow these steps:

  1. Sign in to thePeople’s Choice Mobile App
  2. Tap the hamburger menu
  3. Select Locate Us
  4. Enter your location in the search bar
  5. Select the green branch icon on the map to view branch details and opening hours and select the red ATM icon on the map to view ATM details.
• How can I move my PayID to People’s Choice?

  You can only link your PayID to one account at one financial institution at a time. If you have created this PayID at another financial institution, you can change your existing PayID to a transferrable status with that financial institution and then try and register it with People’s Choice again. 

• I am making a payment to a PayID but the Payees PayID name does not appear to be correct?

  If you are unsure about the name shown contact the payee directly to confirm their PayID name. 

• I am a business customer. Can I register my ABN/ACN as a PayID?

  Initially, you will only be able to create a PayID using an Australian mobile number or email address with People’s Choice; however you are able to link your PayID to your business accounts.

• What happens once I have lodged a PayID dispute?

  We will lodge an enquiry with the Financial Institution that currently has the PayID registered and we will be in touch with you once we have a response.

• How can I update the details of my PayID?

  Your PayID can be updated within Internet Banking or your Mobile Banking App. Simply select ‘Manage PayID’, select the relevant PayID and then open ‘PayID Settings’. From here you can update your PayID name, change the account which it is linked to, lock, close or transfer your PayID.  

• How can I close my PayID?

  A PayID can be closed within Internet Banking or your Mobile Banking App. Simply select ‘Manage PayID’, click the applicable PayID and then ‘PayID Settings’. From there select the ‘Close PayID’ button and follow the prompts.

• Can I link a PayID to my account?

  Not all account types are eligible to have PayIDs linked to them – please refer to the Summary of Accounts & Access Facilities Table to find out if your account type is eligible.

• Can I have multiple PayIDs linked to my account?

  Yes, one account can have multiple (unique) PayIDs created to it (e.g. joint accounts).

• How can I use Mobile Banking to pay my bills?

  If you are using the:

  iPhone App: Select the Transfer Pay/Transfer option from the Navigation bar at the bottom of the page then select Bpay and enter Payment details.  To select a Bpay from your saved favourites, select the tab on the right hand side of the Bpay screen and then select the biller details.

  Android App: Tap on the hamburger icon  on the top left of the screen to display a list of payment options , then select Bpay from the list.  If you do not logout using the logout button your session will remain actve for 1 minute.

  Accessing via Browser: Select the Bpay symbol from the top Navigation bar and enter Payment Details.   To select a Bpay from your saved favourites start typing biller details in Saved Favourites and then select the favourite from the drop down list.

• How do I make transfers and payments using Mobile Banking?

  With Mobile Banking you can:

  • Transfer money from or to your own accounts with People's Choice Credit Union
  • Transfer money to other membership at People's Choice Credit Union
  • Transfer money to other financial institutions
  • Make a payment to anyone with an account with an Australian Financial Institution via mobile or email for more information visit the Pay Easy FAQs
  • Pay a bill using BPAY®

  Tap on the hamburger menu icon in the top left hand corner of the screen to display the menu options, then select from the options available.

  Please note: Scheduled transfers can only be viewed and edited via Internet Banking and are unavailable via the Mobile Banking platform.

• What types of accounts can I access from Mobile Banking?

  You can access any type of account you have access to on Internet Banking.

• How do I adjust the Mobile Banking screen size on the screen of my phone?

  On most phones you can adjust the screen size to suit. Most phones have a menu screen which will enable you to change the view of your phone from 'slim' to 'widescreen' view for example.

• Can I access Mobile Banking from overseas?

  If you travel outside Australia you may still have access to our Mobile Banking service. You should check with your telephone communications provider whether your mobile phone will be able to use relevant networks in those countries in which you are traveling. You might have extra charges for having your mobile on international roaming from your telephone communications provider.

• Are there transaction limits for Mobile Banking?

  The current Internet Banking daily limits for transferring money to your own accounts, other memberships at People's Choice Credit Union, other financial institutions or paying bills using BPAY® apply to Smartphone Banking, so any transfers and BPAY® payments made will be included in the daily Internet Banking limit totals.

• What services can I use with People's Choice Credit Union Mobile Banking?

  With Mobile Banking you can:

  • Check your account balance
  • View your transaction history
  • Transfer money from or to your own accounts with People's Choice Credit Union
  • Transfer money to other membership at People's Choice Credit Union
  • Transfer money to other financial institutions
  • Make a payment to anyone with an account with an Australian Financial Institution via mobile or email for more information visit the Pay Easy FAQs
  • Pay a bill using BPAY®

  Please note: Scheduled transfers can only be viewed and edited via Internet Banking and are unavailable via the Mobile Banking platform.

• How do I access Mobile Banking?

  To use Mobile Banking you must have registered for Internet Banking and have a mobile device that includes internet access. To register for Internet Banking you can click on "Register" from the Internet Banking panel, on the People's Choice Credit Union website home page.

  You can access Mobile Banking using an Android or iPhone app which can be downloaded from the Google Play store or iTunes App store by searching 'People's Choice Credit Union’. You will need to ensure your mobile device is running a supported version of the Operating system before using the App :
  Android - 4.0 and above
  iPhone – 7.0 and above

  Windows and Blackberry phones can also be used to access Mobile Banking.

  
  Visit Mobile Banking for more information.

• Who can use People's Choice Credit Union Mobile Banking?

  People's Choice Credit Union members registered for Internet Banking can use the Mobile Banking service.

• What is the difference between Internet Banking and Mobile Banking?

  Mobile Banking is a feature of Internet Banking and provides quick and easy access to your accounts and common transactions on your mobile device. Internet Banking is a practical way to access full banking services from your computer, tablet or smartphone.  

• What Mobile Banking Apps are available?

  We have free Mobile Banking Apps available for both iPhone and Android mobile phones. Download the Apps from our Mobile Banking page.

  • The iPhone App is compatible with iOS 7.0 and above.
  • The Android App is compatible with Android 4.0 and above.
• Will People's Choice Credit Union Mobile Banking work on my phone?

  To enable Mobile Banking you must have a mobile device capable of accessing the internet. The Mobile Banking Apps require your device to be running a version of the operating system that is supported :
  Android - 4.0 and above
  iPhone – 7.0 and above

  Check with your mobile phone provider whether your phone and/or plan enables access to the internet.

  Windows and Blackberry phones can also be used to access Mobile Banking.

  Visit Mobile Banking for more information.

• Do I have to register to be able to use People's Choice Credit Union Mobile Banking?

  Not specifically. Once you are registered for Internet Banking, you can use Mobile Banking.

  To register for Internet Banking you can click on "Register" from the Internet Banking panel, on the People's Choice Credit Union home page.

• What if my fingerprint is not allowing me to authenticate?

  If your registered fingerprint doesn’t work you can log in using the App PIN to authenticate by selecting ‘Cancel’ when prompted for Touch ID.  The Enter PIN screen will be displayed and you can login using your App PIN.

• I can’t see the Touch ID option in the main menu?

  Click on ‘Settings & Terms’ in the left-hand menu to display the list of options.  If ‘Touch ID’ is not displayed check a fingerprint(s) has been registered in the iPhone settings.    The App ‘Touch ID’ option is only visible if a fingerprint(s) has been registered in the iphone settings.

   

  Currently only  the iPhone App supports Touch ID authentication on models iPhone 5S, iPhone 6, iPhone 6Plus. We may review our service offering as more devices make this feature available and meet our security standards.

• How do I access all my accounts and services using the App?

  The Home Screen allows you to save an account and 2 payment types as your favourites on the home screen. The account will become the default account for activities such as transfers, payment and viewing transaction history.
  
  To access all your accounts :
  Android App: Tap on the Account tile on the home screen or select Accounts from the main menu which is available by tapping on the hamburger menu icon in the top left corner of the screen. Your default account will be displayed, tap on this account to display all your accounts.
  
  iPhone App: Tap on the Account tile on the home screen or select Accounts from the main menu which is available by tapping on the hamburger menu icon in the top left corner of the screen. Your default account will be displayed, scroll left and right through to the account you require.
  
  To access all available services tap on the hamburger menu icon in the top left corner of the screen, the main menu will be displayed, tap on the service required from the menu.

• How many accounts can I use my PayID for?

  A PayID can only be linked to one account across all financial institutions. 

• How does it work?

  People's Choice Credit Union Mobile Banking Apps can be used from any mobile device that has access to the internet with a version of the operating system that is supported :
  Android - 4.0 and above
  iPhone – 7.0 and above

  Windows and Blackberry phones can also be used to access Mobile Banking.

  Visit Mobile Banking

  You can confirm if your mobile has access to the internet with your mobile provider.

• How do I enable and disable Touch ID?

  To enable Touch ID you must have your fingerprint(s) registered in the device settings, if your fingerprint is not registered the App ‘Touch Id’ menu option is not available. Ensure only your fingerprint(s) is registered on your device.

  You can enable or disable Touch ID at any time, tap the hamburger menu icon in the top left corner of the screen and select ‘Settings and Terms’ then ‘Touch ID’. The Touch ID information screen is displayed with the Touch ID toggle button, read the information on the screen, and slide the toggle button to the right (green) to enable to the left (grey) to disable. For security reasons if you are not logged into the App you will need to authenticate by entering your 4 digit App PIN before you can enable or disable Touch ID.
  
  

  Note: if Touch ID is enabled you can still opt to log in using the four digit security PIN by selecting ‘Cancel’ when prompted to authenticate.

  Currently only the iPhone App supports Touch ID authentication on models iPhone 5S, iPhone 6, iPhone 6Plus. We may review our service offering as more devices make this feature available and meet our security standards.

   

• Can I change the default payment options on the home page?

  You can change the default payment options displayed on the home screen, press and hold on the payment option tile you wish to change until the list of payment options is displayed, select the payment option you wish to display as the default. This will become the payment option displayed on the home screen.

• How can I register a different member on my smartphone?

  To register a different member number to a device that has already been registered you need to:

  Android and iPhone App: Select Forgot PIN from the left hand slide-out menu.  The device registration page will be displayed for you to register a different member, or if you are logged in select ‘Devices’ from the main menu accessible via the hamburger icon in the top left of the screen.  Your registered devices will be displayed with the active device highlighted.  Select the active device and delete it.

  Accessing via Browser: Clear your Browsers cookies/cache.

• Can I register more than one member to the same smartphone?

  The PIN and Device security feature only allows one member to register to a device.  A member can register with many devices but there can only be one member registered to a single device.

• What if I lose my mobile phone, is my information secure?

  Yes. When you finish banking through People's Choice Credit Union Mobile Banking you can logout by tapping on the logout icon in the top right hand corner of the screen and therefore exit the system. None of the information accessed through Mobile Banking will be saved on your mobile phone. Do not save your Internet Banking password on your mobile browser in case of loss or theft on your mobile phone.
  
  If you press the Home button when logged into the app your session will remain active for 90 seconds.

• Can I change the default account on the home page ?

  You can change the default account displayed on the home page, press and hold the account tile until the list of accounts is displayed, select the account you wish to be your preferred account from the list. This will become the account displayed on the home screen and the default account for activities such as transfers and viewing transaction history.

• How do I logout of Mobile Banking?

  iPhone and Android: Tap the logout button in the top right hand corner of the screen.

  Accessing via Browser: Select 'More Options' in the top menu bar, then select 'Logout'.

  If you press the Home button when logged into the app your session will remain active for 90 seconds.

• Is there any monthly or yearly limit of access to Mobile Banking on my phone?

  No monthly or yearly limit applies.