You've made a great choice - Welcome - Your guide to People's Choice Credit Union and how we can make your finances easy - People's Choice ...
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Welcome
You’ve
made
a great
choice.
Your guide to People’s Choice Credit Union and how we can make your finances easy.
1
Welcome
to People’s
Choice Credit
Union!
Having choice in your banking is Being member-owned means our
important, and we think you’ve made the customers and owners are the same
right one. Welcome to People’s Choice. – our members. Everything we do is
designed to benefit our members.
We’re one of Australia’s largest credit
unions with 360,000 members across It’s a simple philosophy that says a lot
Australia and branches in South Australia, about how we operate – we’re about
Northern Territory, Victoria and Australian people, not profit.
Capital Territory. So that was a bit about us, and now, we’re
Our origins date back to 1949 and we’ve all about you.
grown significantly to become a trusted
financial services provider and a genuine
alternative to the major banks.
2
We’re a credit People’s Choice offers you many other
benefits, including:
union. • Affordable banking through a fairer fee
People’s Choice members are part of 4 million structure
Australians who choose to do their banking • Competitive interest rates on our home
with an organisation that’s owned by its loans, personal loans, credit cards, savings
customers. and investment accounts
We reinvest our profits into creating better • Access to a national network of rediATMs
products and providing great service free of direct charges, and thousands of
and advice, rather than giving returns to ATMs and EFTPOS outlets
shareholders like the banks. In fact, our sole
• 24-hour access to your accounts via
purpose is to help our members save and
Internet Banking, Phone Banking and
borrow money to get ahead in life.
Mobile Banking
People’s Choice offers some of the most
• Access to 40 branches, 4 advice centres
competitive rates in the market while providing
and 2 worksites across South Australia,
you with friendly, professional service.
Northern Territory, Victoria, Australian
Capital Territory and a presence in Perth.
The benefits of Selected branches stay open longer for
being a member. your convenience, including Saturday
mornings
As a member, you have a share in People’s • Access to our friendly National Contact
Choice and a say in how we run our business. Centre staff, who can assist you with a wide
You can stand to be a Director, elect office range of services and transactions over the
bearers and vote on constitutional changes at phone.
our Annual General Meeting.
3
In the community. Banking how you
At People’s Choice we take great pride in want it, when you
supporting the economic and social wellbeing
of our members and the community.
want it.
This support takes many forms, including: It’s your money, so why shouldn’t you be
able to access it in as many ways as possible
• Corporate social responsibility wherever and whenever you need to?
partnerships with the Cancer Council
SA and HeartKids SA/NT People’s Choice provides you with various
ways to access your funds, and our services.
• Since 1984 The People’s Choice Community
Lottery has raised more than $17.5 million ATMs
for over 6,000 community groups Enjoy convenient access to your money, 24
• Employee fundraising and volunteering, hours a day.
with $40,000 raised and 2100 hours If you want to avoid direct charges, simply use
volunteered by hundreds of staff in the network of direct charge free rediATMs
2016/17 across Australia, where you can withdraw
• Sponsorship of major community events, funds, change your card PIN, and at selected
such as the Credit Union Christmas ATMs you can deposit funds.
Pageant, the People’s Choice Classic as Your card is also accepted at any other ATM
part of the Santos Tour Down Under and throughout Australia or through any ATM
People’s Choice BASSINTHEGRASS overseas displaying the ‘Visa’ logo (Visa Debit
• Local community initiatives at the branch cards) or ‘Plus’ logo (rediCards), but note that
level you may incur charges from other financial
institutions.
• Sponsorship of the Western Bulldogs
Football Club. Internet Banking
We believe building strong communities For ultimate convenience head to
benefits us all. That’s why we’ve partnered peopleschoicecu.com.au anytime from any
with these fantastic organisations and events, web-enabled device. With Internet Banking you
chosen with member and staff input, to help can view your account history, transfer money
make a real difference in the community. and pay your bills, send and receive Fast
Payments, register PayIDs, set up scheduled
payments, view uncleared transactions or
apply for most products online.
4Mobile Banking Apps Fast Payments
If you have an iPhone or Android smart device, Fast Payments enable you to make and receive
download the People’s Choice Mobile Banking payments between participating financial
App to view your account history including institutions within minutes, delivered via Osko.
uncleared transactions, transfer money and You can make and receive payments to a
pay your bills, send and receive Fast Payments, PayID using easy-to-remember details — like
register PayIDs, create scheduled payments your mobile phone number or email address
and so much more. that you register and link to your account.
Download today from the App Store or Google Make Fast Payments via Internet Banking or
Play Store. your Mobile Banking App 24/7. To find out
People’s Choice Secure Code more visit peopleschoicecu.com.au/Fast-
Payments
When performing banking via Internet Banking
and the latest version of our Mobile Banking Contactless Payments
App, you will be protected with our advanced Free yourself from your wallet! Whether
online security solution, People’s Choice you have an Android phone or iPhone, we
Secure Code, delivered in partnership with have payment options for you that are fast,
global cyber security leader, Symantec. Secure convenient, secure and easy to use. Digital
Code will perform real-time threat analysis Wallet options available: Apple Pay, Google Pay
to assess the likelihood that the Internet and Samsung Pay.
Banking functions being performed on the Phone Banking
mobile, tablet or computer are being made by
a legitimate member. If someone is trying to Phone Banking allows you to find out about
gain access without your permission: your account details, transfer funds, and pay
bills via mobile or landline 24 hours a day,
a. they will be prompted to enter a Secure seven days a week. Simply call 13 11 82 and
Code which only registered members have follow the prompts.
access to, or
National Contact Centre
b. you will be sent a push notification to
‘Approve’ or ‘Deny’ the transaction if using The right advice is never further away than
the Mobile Banking App or VIP Access App your telephone. Simply call the National
for mobile. Contact Centre on 13 11 82 for help with
everyday banking, your savings and
eStatements investment, lending or insurance needs.
Register to receive ‘eStatements’ via We’re here to help 8.00am – 8.00pm Monday
Internet Banking as a simple way to help the to Friday and 8.30am – 4.30pm on Saturday,
environment. Plus eStatements are more excluding National Public Holidays (Australian
secure, provide you with quick access to your Central Standard Time).
account card and loan summary and are
always at your fingertips!
5Branches
Information,
With 40 branches, 4 advice centres and 2
work sites located throughout South Australia, innovation,
Northern Territory, Victoria and Australian communication.
Capital Territory, plus a presence in Perth,
we’re here to help you. Step into your nearest There are more reasons to visit
branch for on-the-spot access, help and advice peopleschoicecu.com.au than just Internet
ranging from everyday banking enquiries Banking — it’s almost like having access to your
through to savings, insurance, loans, financial very own 24-hour branch on your computer or
planning and more. Smartphone.
Selected branches stay open longer for your It’s easy to navigate up-to-the-minute
convenience, including Saturday mornings. To information on all our products and services.
locate your nearest branch, visit our website. You’ll find some handy tools to help in your
decision making and some great advice. You
Bank@Post
can also apply for certain products and a
Deposit and withdraw money or deposit whole lot more.
cheques nationwide at any Australia Post
So stay up to date with the latest news about
outlet displaying the Bank@Post symbol.
your credit union at peopleschoicecu.com.au
Foreign currency or join the conversation on Twitter and Facebook.
Heading overseas? We’ve teamed up with Want to go behind the scenes of People’s
Western Union, Travelex and Mastercard to Choice? Join the Green Room. Our VIP online
offer you a range of products with competitive research community tells us how we can
rates so you can safely access your money deliver the products and service our members
anywhere in the world. want, through exclusive online surveys and
Our Cash Passport offers you the flexibility to more. Come backstage and join now at
purchase multiple currencies with the ability to peopleschoicegreenroom.com.au
reload online from anywhere at anytime.
Order foreign cash online at anytime and
collect at your preferred branch.
Perform International Transfers to over 200
countries and territories and more than 140
currencies, with competitive exchange rates
provided by Western Union. For additional
convenience save transfer details as a ‘Favourite’
and use the ‘Find My Bank’ feature which allows
you to search for missing information.
6A loan with Deposit products.
principles. We know you work hard for your money, so
we’d like to make your money work harder for
We specialise in designing home loans and
you through a range of transactions, savings
personal loans with flexibility and options, with
and investment products.
all the features you need.
Whether you’re saving for a dream holiday,
Home Loans a special event or planning for a retirement
• Competitive interest rates and terms of up free of money worries, we’ve got a choice of
to 30 years accounts to suit your goals.
• Longer terms may be available for first
home buyers
• Fixed and variable interest rate loans
• Redraw facilities available on variable loans
• Loan offset available on eligible variable rate
loans
• Investment Loan options
• Line of Credit facilities
Personal Loans
• Start from $2,000
• Competitive fixed interest rates
• No monthly fees
• No penalty for repaying your loan early
• Flexible loan terms
• Redraw facilities
• Fast approval
7Cards for your Insure against convenience. nasty surprises. Our Visa cards offer you convenience, We believe insurance should protect you from flexibility and security. Whether you’re making nasty surprises, not cause them. We offer a everyday purchases or buying your favourite range of insurance to help you guard against items online, our Visa cards are the ideal the impact of unfortunate financial and solution. physical events. People’s Choice Visa cards are welcome at We can arrange competitive insurance on more than 16 million retail establishments • Home and Contents worldwide, and they can be used at thousands • Car ATMs across the country and any Australia • Travel Post branch that offers Bank@Post™ access. • Landlord’s Residential Property Our Visa cards have the latest in security • Mortgage Repayment measures such as microchips, contactless • Caravan, boat and motorcycle ability, a free fraud protection service and For added convenience, you can pay your Verified by Visa for online purchases. annual premiums fortnightly or monthly at no Beyond reliability, security and convenience, extra cost*. our Visa Credit cards also offer the perfect way to help avoid unwanted interest charges with up to 621 interest free days. Visa Entertainment Visa cardholders can get access to a range of exclusive entertainment offers, including pre-sale tickets for some of the biggest concerts and live events. Sign up at visaentertainment.com.au Visa Checkout Visa Checkout is a secure method of transacting online. Simply register your Visa card with Visa Checkout and you will be able to speed through your online shopping experiences without needing to re-enter your card number or address each time. To create a Visa Checkout account, go to visacheckout.com.au 8
Financial Planning Business Banking.
you can count on. At People’s Choice we know that if you’re
running a business you have far more
Financial Planning is about helping you plan
important things to worry about than your
for your future. At each stage in life you
banking.
are faced with new priorities and different
financial resources, lifestyle needs and Your business banking account should work
personal goals. for you, not against you. We believe your ideal
business account won’t eat away at your funds
• Financial Strategies
through endless charges and fees or cause you
• Investing
grief by interfering with how you want to run
• Personal Insurances
your business.
• Superannuation
• Aged Care With a choice of business accounts free of
account keeping or base service fees, we
Our Financial Planners can help you make the
believe we’ve got the account that’s right for
most of your life and navigate through a range
your business.
of possible solutions.
People’s Choice also offers a range of flexible
financing options that can help make your
plans a reality.
Our Business Banking Relationship Managers
are mobile and will happily meet you at a
convenient time for you and your business.
910
11
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.au Connect with us. Terms, conditions, fees, charges and lending criteria may apply and are available on application. The details of this brochure are current as at May 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. 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 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. *Fortnightly and monthly instalments are unavailable for Travel Insurance. When calculating your annual premium based upon the sum of periodic payments, this payment may differ from our quoted annual premium due to the impact of standard rounding. 1 The interest free period applies to purchases only providing the statement balances (recording the purchase) for the current and preceding months are paid in full when due otherwise interest will apply from the date of the purchase. Our current interest rates are available at peopleschoicecu.com.au Cash advances and balance transfers do not qualify for the interest free period and attract interest from the date of the cash advance. 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 8.6.10 V3.2-0518 12
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