You've made a great choice - Welcome - Your guide to People's Choice Credit Union and how we can make your fi nances easy - People's Choice ...
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
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 365,000 members across It’s a simple philosophy that says a lot
Australia and branches and advice centres about how we operate – we’re about
in South Australia, Victoria, Northern people, not profit.
Territory, Australian Capital Territory and So that was a bit about us, and now, we’re
Western Australia. all about you.
Our origins date back to 1949 and we’ve
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 thousands of ATMs and EFTPOS
products and providing great service outlets around the country
and advice, rather than giving returns to
• 24-hour access to your accounts via
shareholders like the Big Four banks. In fact,
Internet Banking, Phone Banking and
our sole purpose is to help our members save
Mobile Banking
and borrow money to get ahead in life.
• Access to branches and advice centres in
People’s Choice offers some of the most
South Australia, Victoria, Northern Territory,
competitive rates in the market while providing
Australian Capital Territory and Western
you with friendly, professional service.
Australia. Selected branches stay open
longer for your convenience, including
The benefits of Saturday mornings
being a member. • Access to our friendly National Contact
Centre staff, who can assist you with a wide
As a member, you have a share in People’s range of services and transactions over the
Choice and a say in how we run our business. phone.
You can stand to be a Director, elect office
bearers and vote on constitutional changes at
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 almost $19 million with ATMs
over 1000 charities, sporting clubs, schools Enjoy convenient access to your money, 24
and community groups participating each hours a day.
year around Australia If you want to avoid fees, simply use one of
• Employee fundraising and volunteering, our People’s Choice ATMs to withdraw funds
with almost $30,000 raised and 1016 hours or change your card PIN. Many of our ATMs,
volunteered by hundreds of staff in located at branches, will also allow you to
2017/18 deposit cash and cheques.
• Our brand sponsorships include the You can also withdraw cash fee-free from the
People’s Choice BASSINGTHEGRASS Big Four bank ATMs. However, as this may
concert in NT, the Western Bulldogs change, we encourage you to check for any
football club in Victoria and our exciting fees when using the ATM before completing a
new sponsorship of the Adelaide Strikers transaction.
• Local community initiatives at the branch Your card is also accepted at any other ATM
level throughout Australia or through any ATM
We believe building strong communities overseas displaying the ‘Visa’ logo (Visa Debit
benefits us all. That’s why we’ve partnered cards) or ‘Plus’ logo (rediCards), but note that
with these fantastic organisations and events, you may incur charges from other financial
chosen with member and staff input, to help institutions.
make a real difference in the community. Internet Banking
For ultimate convenience head to
peopleschoicecu.com.au anytime from any
web-enabled device. With Internet Banking you
can view your account history, pay your bills,
send and receive money with Fast Payments,
open new accounts, and much more.
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 Mobile 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 locations and friendly staff in South
Australia, Victoria, the Northern Territory, innovation,
Australian Capital Territory and Western communication.
Australia, we’re here to help you. Visit your
nearest branch for help and advice. Talk to There are more reasons to visit
us about your banking needs from everyday peopleschoicecu.com.au than just Internet
banking enquiries through to savings, Banking — it’s almost like having access to your
insurance, loans, financial planning and more. very own 24-hour branch on your computer or
Smartphone.
Selected branches stay open longer for your
convenience, including Saturday mornings. To It’s easy to navigate up-to-the-minute
locate your nearest branch, visit our website. information on all our products and services.
You’ll find some handy tools to help in your
Bank@Post
decision making and some great advice. You
Deposit and withdraw money or deposit can also apply for certain products and a
cheques nationwide at any Australia Post whole lot more.
outlet displaying the Bank@Post symbol.
So stay up to date with the latest news about
Foreign currency your credit union at peopleschoicecu.com.au
Heading overseas? We’ve teamed up with or join the conversation on Twitter and Facebook.
Western Union, Travelex and Mastercard to Want to go behind the scenes of People’s
offer you a range of products with competitive Choice? Join the Green Room. Our VIP online
rates so you can safely access your money research community tells us how we can
anywhere in the world. deliver the products and service our members
Our Cash Passport offers you the flexibility to want, through exclusive online surveys and
purchase multiple currencies with the ability to more. Come backstage and join now at
reload online from anywhere at anytime. peopleschoicegreenroom.com.au
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 pre-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 for; more than 16 million retail establishments • Home and Contents worldwide, and they can be used at thousands • Car of 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 Protection 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 a great way to help avoid unwanted interest charges with up to 621 interest free days on purchases. 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. It’s more than just retirement banking.
planning, it’s about creating wealth, then
Your business banking account should work
protecting that wealth.
for you, not against you. We believe your ideal
Having a sound financial plan can help you business account won’t eat away at your funds
secure financial stability by meeting your through endless charges and fees or cause you
current and future lifestyle needs. grief by interfering with how you want to run
Our aim at People’s Choice is to address all of your business.
your financial needs, taking into account your With a choice of business accounts free of
short, medium and long term goals. account keeping or base service fees, we
believe we’ve got the account that’s right for
your business.
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, acceptance criteria and exclusions apply. The details of this brochure are current as at 1 March 2019 and are subject to change. The information in this brochure may contain general advice; it 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. The PDS and other disclosure documents are available by visiting a branch, calling us on 13 11 82 or at peoplechoicecu.com.au People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 (“People’s Choice”), acts under its own Australian Financial Service Licence (“AFSL”) 244310 and Australian Credit Licence 244310, and under agreements with the insurers: Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance (“CGU”). CGU is the issuer of general insurance (this includes home and contents, landlords, motor vehicle, caravan, boat and travel insurance). QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 is the issuer of mortgage protection and of the general insurance component of that policy. Integrity Life Australia Limited ABN 83 089 981 073 AFSL 245492 is the issuer of the life component of the mortgage protection policy. When you take out a policy through us, the insurers pay us commission at rates which range from 0% - 40% of the base premium. The commission rate varies depending on the type of insurance. *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 In order to be eligible for interest free purchases you must repay the closing balance of your statements of account in full by their due dates, otherwise interest may be charged. Our Lending Terms and Conditions provide more information on this. 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. 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 V5.0-0319 12
You can also read
