Transactions & Savings Because managing your money should be easy.

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1 Transactions & Savings Because managing your money should be easy. Your guide to how People s Choice Credit Union can help you with your everyday banking needs and achieve your saving and investment goals. 1

2 Making money accessible, helping to make it grow. 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. 2

3 Transaction accounts. What 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 Account The Everyday Account gives you easy access to your money with the benefit of unlimited selected transactions for a low monthly fee. Unlimited People s Choice Credit Union transactions, BPAY, Direct Debits, EFTPOS, rediatm transactions, SMS Banking, and Visa Debit card credit purchases for a set monthly fee Easy access to your account via Internet Convenience of Visa Debit with paywave Optional cheque book access An optional overdraft facility The option to receive online statements A redicard PLUS if you are under 16 years of age The ability to waive monthly fee Registered to BPAY Pty Ltd. ABN Zip Account Forget about your purse or wallet, the new 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. A uniquely-designed Visa Debit Card exclusive to Zip Account holders Access to Visa paywave to make transacting easier and faster No monthly fees when you have $2,000 per month credited to the account or have a home loan provided through People s Choice Round the clock access to your account via Internet Banking and the People s Choice app The choice to open the Zip Account easily online, giving you easy access to your new account Exclusive special offers and competitions Marketing communications from People s Choice sent electronically estatements. You ll never receive a paper statement again! An optional overdraft facility 3

4 Club 55 Specifically designed for members 55 years and over, the Club 55 account pays high credit interest rates and offers generous fee benefits. We have a special understanding of the unique needs of members who ve achieved this milestone, so we ve created this account to make your money work harder for you. So whether you are 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. You ll also receive significant insurance discounts* plus additional benefits on home, contents, motor vehicle and travel insurance. Unlimited People s Choice Credit Union transactions, BPAY, Direct Debits, EFTPOS, rediatm transactions, SMS Banking, and Visa Debit card credit purchases for no monthly fee Easy access to your account via Internet Convenience of Visa Debit with paywave Optional cheque book access An optional overdraft facility The option to receive online statements Insurance discounts * Market leading interest rates 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 your partner 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 Credit Union transactions, BPAY, Direct Debits, EFTPOS, rediatm transactions, SMS Banking and Visa Debit card credit purchases No monthly account keeping fees No minimum balance No annual fee on a People s Choice Credit card Easy access to money via Internet Banking, Phone Banking and SMS Banking Convenience of Visa Debit with paywave An optional overdraft facility for over 18s The option to receive online statements A redicard Plus if you are under 16 years of age 4

5 Transaction loan accounts. Generally 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 Credit Union 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 Credit A 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 Credit Union transactions, BPAY, Direct Debits, EFTPOS, rediatm transactions, SMS Banking, and Visa Debit card credit purchases for a set monthly fee Easy access to your account via Internet Optional cheque book access Monthly statements and the option to receive online statements Flexible repayment options Financial flexibility Interest only repayments Convenience of Visa Debit with paywave Ability to maximise interest offset by performing the majority of your transactions on a Credit Card account with up to 62 interest free days. 5

6 Offset Account If 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 Credit Union/ transactions, BPAY, Direct Debits, EFTPOS, rediatm transactions, SMS Banking, and Visa Debit card credit purchases for a set monthly fee charged to your loan Easy access to your account via Internet Optional cheque book access Monthly statements and the option to receive online statements Convenience of Visa Debit with paywave Ability to maximise interest offset by performing the majority of your transactions on a Credit Card account with up to 62 interest free days. Savings accounts. It s amazing just how effective regular saving can be. People s Choice Credit Union offers you a choice of savings accounts that will help you save your hard earned money and achieve your goals sooner. No matter if 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 Account By 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, deposits, Direct Debits and personal (member) cheques Easy access to your account via Internet 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 6

7 Online Saver Ideal 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, Direct Debits, SMS Banking, internal & external transfers (set up via Internet Banking and Phone Banking only) Easy access to your account via Internet A higher interest rate when no withdrawals are made during the month Competitive interest rates No minimum balance The option of payroll splits into this account to assist with your savings plan 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 Bonus Saver Account Sometimes 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, 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 Branch & Agency networks, Internet Competitive interest rates The option of payroll splits into this account to assist with your savings plan 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 7

8 Young Saver Account Designed 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, 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 Competitive interest rates The option of payroll splits into this account to assist with your savings plan Bi-annual statements (statements will be issued monthly if you have a qualifying account with a monthly statement cycle) Christmas Savings Account One 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 at year s end. 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 option of payroll splits into this account to assist with your savings plan The ability to view accounts via Internet No minimum deposit Access to Christmas Savings Account funds from 1 November to 31 January Free BPAY facility from 1 November to 31 January 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 8

9 Term Investment. If you ve got funds to invest, People s Choice Credit Union 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. The option of having interest paid annually, six monthly, quarterly, monthly or every 28 days The option to either reinvest interest earned or have it credited to your transaction/savings account The security of a fixed interest rate for a fixed term 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 Credit Union can help you to achieve your saving and investment goals, drop into a branch, call or visit peopleschoicecu.com.au 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. 9

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12 People s Choice Credit Union is one of Australia s largest credit unions. We offer: Home Loans Personal Loans Savings & Investments Transaction Accounts Insurance Financial Planning Superannuation Business Banking Financial Seminars Credit & Debit cards Internet, Phone & SMS Banking Foreign Currency Call us on , visit any branch or peopleschoicecu.com.au Terms, conditions, fees, charges, exclusions and lending criteria may apply and are available on application. The details of this brochure are current as at December 2013 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 , acts under its own Australian Financial Service Licence (AFSL ) and Australian Credit Licence (ACL ) and under agreement with the insurer CGU Insurance Limited ABN AFSL (CGU). When you take out a policy through us, CGU pays commission at rates which range from 0% - 30% 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 AFSL/ACL BRC v

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