FAQ

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 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 or if you are under 25 years old and hold an Activate Account. 

  Visa debit cards have no annual fee.

• 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.

• 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 check my account balance?

  You can check your account balance using Internet, Phone or SMS Banking, or by visiting your nearest ATM or branch. You can also check your balance via your Mobile App.

More questions...

• Where can I find my account number?

  Your account number can be found on Internet Banking by clicking on the Accounts tab or on your paper statement or eStatement. If you are unable to locate your account number, visit your nearest branch or call 13 11 82 and a staff member can look it up for you.

• 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.

• How do I open a Zip Account?

  You can open a Zip 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 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 [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 Activate 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 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 can I switch my transaction accounts to People's Choice?

  For your convenience there are options on how you can switch your transaction accounts to People's Choice:

  • Apply for a membership  with your Tax File Number and identification.
  • With a list of all regular transactions from your old financial institution, visit one of our branches.
  • Call us on 13 11 82.

   

  For more information on why you should switch your transaction accounts to People's Choice Credit Union click here.

• How do I open a Club 55 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 open an Offset Account?

  To open an Offset Account you must have a People’s Choice Credit Union Standard Variable Rate Home Loan or a Variable Rate Home Loan Package. You can open an Offset Account 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.