Because managing your money should be easy.€¦ · Banking, Mobile Banking and Phone Banking •...

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Transactions & Savings

Your guide to how People’s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals.

Because managing your money should be easy.

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Because you’ll no doubt need to manage your income, take care of day-to-day expenses, pay bills or save something for a rainy day, you’ll need a day-to-day account that lets you take control of your finances.

We believe your account should be easy to access, reliable, convenient and tailored to suit your needs and lifestyle. That’s why we offer you a range of accounts designed to make banking and saving so much simpler.

Making money accessible and helping to make it grow.

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Transaction accountsWhat’s the point of a day-to-day account that doesn’t fit in with your everyday needs and lifestyle? People’s Choice Credit Union offers you a range of accounts that offer the convenience of easy access and flexibility without the pain of excessive fees.

Everyday AccountThe Everyday Account gives you easy access to your money with the benefit of unlimited selected transactions for a low monthly fee.

This account offers you:

• Unlimited People’s Choice Branch , BPAY®, Direct Debits, EFTPOS, People’s Choice ATM transactions, SMS Banking, and Visa Debit card ‘credit’ purchases for a set monthly fee

• The ability to waive monthly fee if qualifying criteria is met

• 24/7 access to your accounts via Internet Banking, Mobile Banking and Phone Banking

• Optional cheque book access

• Digital wallet access

• An optional overdraft facility

• eStatements - convenient access to all your statements 24/7 in Internet Banking

• Choose any one of our card designs

• Contactless transactions, including through Digital Wallets and payWave

• Fast Payments

Zip AccountForget about your purse or wallet, the People’s Choice Zip Account is all you’ll need. The Zip Account is packed with features and

boasts a distinctive portrait card design, Visa Debit and payWave access, minus the fees.

The Zip Account provides easy access to your money whenever you need it, putting the whole world at your fingertips. It has simple

qualifying criteria to ensure you don’t pay monthly fees and lets you take charge of your finances.


• Unlimited People’s Choice Branch, BPAY®, Direct Debits, EFTPOS, People’s Choice ATM transactions, SMS Banking, and Visa Debit card ‘credit’ purchases for a set monthly fee

• No monthly fees when you have $2,000 per month credited to the account or have a Personal Loan, or a Home Loan provided through People’s Choice


• A uniquely-designed Visa Debit Card or you can choose anyone of our other card designs



• The choice to open the Zip Account easily online, giving you easy access to your new account

® Registered to BPAY Pty Ltd. ABN 69 079 137 518.

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• Marketing communications from People’s Choice sent electronically

• eStatements - convenient access to all your statements 24/7 in Internet Banking • Contactless transactions, including

through Digital Wallets and payWave

• Fast Payments

Club 55 Specifically designed for members 55 years and over, the Club 55 account pays competitive credit interest rates and offers generous fee benefits. We have a special understanding of the unique needs of members who have achieved this milestone, so we’ve created this account to make your money work harder for you. So whether you’re still working, self funded, retired or receiving a government pension, as long as you or your partner are 55 or over, this could be your ideal account.


• Unlimited People’s Choice Branch, BPAY®, Direct Debits, EFTPOS, People’s Choice ATM transactions, SMS Banking, and Visa Debit card ‘credit’ purchases for no monthly fee





• eStatements - convenient access to all your statements 24/7 in Internet Banking

• Choose any one of our card design


• Fast Payments

Activate Account

If you’re a student or just starting your working life, the Activate Account is specifically designed for you. It’s a transaction account with the benefit of unlimited selected transactions without a monthly fee. As long as you, or a joint account holder, is 13 to 24 years of age, it’s the account to help you get off to a great financial start.


• Unlimited People’s Choice Branch, BPAY®, Direct Debits, EFTPOS, People’s Choice ATM transactions, SMS Banking and Visa Debit card ‘credit’ purchases for no monthly fee

• No annual fee on a People’s Choice Credit Card



• An optional overdraft facility for over 18s

• eStatements - convenient access to all

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your statements 24/7 in Internet Banking

• A uniquely deisgned Visa Debit card, or rediCARD PLUS card if you are under 16 years of age, or you can choose any one of our other card designs • Contactless transactions, including


• Fast Payments

Transaction loan accountsGenerally speaking, the best way to improve your savings is to reduce your debt. With most home loans you’ll be paying interest daily while your savings and your everyday account can earn you very little return.

People’s Choice offers you better solutions that can help you to pay off your home loan faster while still enjoying ‘at-call’ access to your funds.

Line of CreditA Line of Credit lets you access your funds in the usual manner while using your income to help reduce your loan. As your full wage or salary goes straight in the account, every dollar you earn works harder to reduce your debt.


• Unlimited People’s Choice Branch, BPAY®, Direct Debits, EFTPOS, People’s Choice ATM transactions, SMS Banking, and Visa Debit card ‘credit’ purchases for a set monthly fee



• Access to online monthly statements 24/7 in Internet Banking (eStatements)

• Flexible repayment options

• Financial flexibility

• Interest only repayments

• Ability to maximise interest offset by performing the majority of your transactions on a Credit Card account with up to 62 interest free days


• Fast Payments

Offset AccountIf a Standard Variable Rate Home Loan or Variable Rate Home Loan Package is the best fit for you, you may want to consider the extra benefits of an Offset Account.

Offering the convenience of a regular savings account, your Offset Account operates side by side with your loan to help reduce the amount of interest you pay.


• Unlimited People’s Choice Branch, BPAY®, Direct Debits, EFTPOS, People’s Choice ATM transactions, SMS Banking, and Visa Debit card ‘credit’ purchases for a set monthly fee charged to your loan



• Access to online monthly statements 24/7 in Internet Banking (eStatements)

• Ability to maximise interest offset by performing the majority of your transactions on a Credit Card account with up to 62 interest free days • Contactless transactions, including


• Fast Payments

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Savings accountsIt’s amazing just how effective regular saving can be. People’s Choice offers you a choice of savings accounts that will help you save your hard earned money and achieve your goals sooner.

Whether you’re saving for a holiday, special event or simply for a rainy day, we have a variety of savings options available to suit.

Expenses AccountBy separating your regular expenses from your day-to-day spending, this account is designed to help you budget for and pay your regular bills as easily as possible.


• Unlimited free BPAY®, Fast Payments, deposits, Direct Debits and personal (member) cheques


• Auto transfers for convenient bill management

• Bi-annual statements (statements will be issued monthly if you have a qualifying account with a monthly statement cycle) plus the option to receive online statements 24/7 in Internet Banking

(eStatements)

Online SaverIdeal for when you have a specific savings goal in mind, an Online Saver pays high interest on your savings. To help you achieve your goals faster, you’ll be rewarded with a higher interest rate when no withdrawals are made during the month.


• Unlimited free BPAY®, Fast Payments, Direct Debits, SMS Banking, internal & external transfers (set up via Internet Banking and Phone Banking only)*

• Easy access to your account via Internet Banking, Phone Banking and SMS Banking

• A higher interest rate when no withdrawals are made during the month

• Competitive interest rates

• No minimum balance

• Bi-annual statements (statements will be issued monthly if you have a qualifying account with a monthly statement cycle) plus the option to receive online statements 24/7 in Internet Banking (eStatements)

*Bonus interest will be lost when any debit or withdrawal is made.

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Bonus Saver AccountSometimes you may need a little extra incentive to help you save for a special event. Our Bonus Saver Account is a special purpose savings account that offers bonus interest to help you reach your goals.


• Unlimited free BPAY®, Fast Payments, deposits and internal & external transfers (set up via Internet Banking and Phone Banking)*

• Bonus interest when a deposit of at least $50 and no withdrawals are made during the month

• Easy access to your account via our Branches, Internet Banking, Phone Banking and SMS Banking


• The option of payroll splits into this account to assist with your savings plan



Young Saver AccountDesigned specifically for families to help secure your children’s financial future and teach them the value of saving. This special purpose account will help to ease the financial pressure in the years ahead, by saving for their future now.


• Unlimited free BPAY®, Fast Payments, deposits and internal & external transfers (set up via Internet Banking and Phone Banking)*

• Bonus interest when a deposit of at least $5 and no withdrawals are made during the month

• The ability to view accounts via Internet Banking, Phone Banking and SMS Banking


• Bi-annual statements (statements will be issued monthly if you have a qualifying account with a monthly statement cycle)


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Christmas Savings AccountOne of the greatest joys of the season is giving and by opening a Christmas Savings Account right now and adding to it regularly, you’re well on your way to eliminating money worries when those sleigh bells ring.

To help you reach your savings goals and fund your annual celebrations, the money in your account is available from 1 November to 31 January.


• Unlimited free deposits

• The ability to view accounts via Internet Banking, Phone Banking and SMS Banking

• No minimum deposit

• Access to Christmas Savings Account funds from 1 November to 31 January

• Free BPAY® payments from 1 November to 31 January


Term InvestmentIf you’ve got funds to invest, People’s Choice offers you a wide choice of options that can help you achieve your short, medium, or long-term financial goals. You’re able to invest a modest amount then watch it grow and help you to reach financial freedom.


• A range of terms from 2 months to 5 years

• Fixed rates for the full term of the

investment with interest paid at maturity

• For investments of one year or more, interest can be paid annually, half yearly, quarterly monthly or every 28 days

• The option to either reinvest interest earned or have it credited to your transaction/savings account

• Bi-annual statements (statements will be issued monthly for terms of less than six months)

Ready to take control? Now that you have a pretty good idea of all the different ways People’s Choice can help you to achieve your saving and investment goals, visit peopleschoicecu.com.au, drop in to a branch or call 13 11 82.

We’ll help you work out what options work best for you, so you can take control of your finances and make sure your money’s working harder - and smarter - for you.

CardsAt People’s Choice Credit Union, we want to make your life easier. That’s why our Visa cards offer you convenience, flexibility and security. Our Platinum card is a premium card for qualifying members which offers additional benefits such as domestic travel insurance and a 24/7 Visa Concierge service.

Whether you’re buying goods online or making everyday purchases, our cards are the ideal solution. Purchases and cash withdrawals are directly deducted from your transaction account, so there are no interest charges unless you’re using our overdraft option.

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People’s Choice Visa cards are welcome at more than 16 million retail establishments worldwide, and all our cards can be used at around 24,000 ATMs across the country and any Australia Post branch offering Bank®Post™ access.

All our Visa card holders have access to regular competitions and a range of exclusive entertainment offers, including pre-sale tickets for some of the biggest concerts and live events by signing up at visaentertainment.com.au

Card Designs:

Digital Wallet Free yourself from your wallet! Whether you have an Android phone or iPhone, we have payment options for you that are fast, convenient, secure and easy to use. Digital Wallet options are available for all our Visa cards in Apple Pay, Samsung Pay and Google Pay. Our rediCARDs are also accepted in Google Pay where your rediCARD has the contactless feature.

Tap. Pay. Done. It’s that easy.

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Terms, conditions, fees, charges, exclusions and lending criteria may apply and are available on application. The details of this brochure are current as at January 2018 and are subject to change. This information and general advice is provided without taking into account your individual objectives, financial situation or needs (“your personal circumstances”). Before using this advice to decide whether to buy a product you should consider the appropriateness of it having regard to your personal circumstances. You should also consider the Product Disclosure Statement (PDS) and other disclosure documents for the relevant financial product or insurance policy. Contact People’s Choice Credit Union for a copy of the PDS and other disclosure documents.People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125, acts under its own Australian Financial Service Licence (AFSL) 244310 and Australian Credit Licence 244310 and under agreement with the insurer Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. When you take out a policy through us, CGU pays us commission at rates which range from 0% - 40% of the base premium. *When calculating your annual premium based upon the sum of periodic payments, this total annual premium may differ from our quoted annual premium due to the impact of standard rounding.People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125, acts under its own Australian Financial Services Licence 244310 and Australian Credit Licence 244310.

Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay, and the Google Logo are trademarks of Google LLC. Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.

BRC 8.1.3 V3.3-0119

People’s Choice Credit Union is one of Australia’s largest credit unions.

We offer: Home Loans Personal Loans Savings & Investments Credit & Debit Cards Transaction Accounts Insurance Financial Planning Superannuation Business Banking Internet, Phone & SMS Banking Smartphone Apps Contactless Payments Foreign Currency Fast Payments

Call us on 13 11 82, visit any branch or peopleschoicecu.com.auConnect with us.

Because managing your money should be easy.€¦ · Banking, Mobile Banking and Phone Banking •...

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Transcript of Because managing your money should be easy.€¦ · Banking, Mobile Banking and Phone Banking •...