Related FAQs

  • What is the Visa card fee?

    Visa Credit Card Accounts 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.

    *Members with a previous financial planning relationship up to 1 February 2022 will still continue to receive this fee waiver.

  • 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 call 13 11 82 or visit your nearest branch.
  • 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 our Mobile Banking App, Internet Banking, SMS or Phone Banking or by visiting your nearest ATM or branch.
  • 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, call 13 11 82 or visit your nearest branch and a staff member can look it up for you.
  • How do I open a bank account?

    You can join People's Choice and open a new bank account online, by calling us on 13 11 82 or visiting your nearest branch.

    If you're already a member with us, you can open a new bank account via our Mobile Banking App or Internet Banking by following these steps: 

    1. Click on Apply in the main menu;
    2. Select Account from the drop-down;
    3. Complete the Account Open Request online form.

  • What is Bank@Post?

    People's Choice offers the convenience of Bank@Post to our members. This means you can make deposits and withdrawals on eligible accounts at participating Post Offices.
  • Are there fees for Bank@Post?

    There are no fees for Bank@Post. All transaction accounts have free and unlimited access to Bank@Post withdrawals.There is also no charge for depositing cash and cheques through Bank@Post. A fee may occur at the discretion of the Auspost branch when a cheque is deposited at a Bank@Post outlet and it is dishonoured. This fee is not charged by People’s Choice.
  • Can I open a bank account online?

    Yes. You can join People's Choice and open a new bank account online here.

    If you're already a member with us, you can open a new bank account via our Mobile Banking App or Internet Banking by following these steps: 

    1. Click on Apply in the main menu;
    2. Select Account from the drop-down;
    3. Complete the Account Open Request online form.
  • What do I need to open a bank account?

    To become a member and open a bank account with People's Choice, you need to be an Australian resident. Click here to apply online, this will take around 10-15 minutes to complete. 

    To make it easier, please have the following documents ready:

    •Australian driver's licence, Australian passport or Employment visa (if you hold a foreign passport)
    •Australian Tax File Number (TFN) or Taxpayer Identification Number or equivalent
    •Medicare card and Medibank private health insurance (if relevant)

    We use greenID, a secure online verification service to do this. The information you provide will be compared against relevant information databases. We encourage you to read greenID's privacy policy by clicking here.

    You can also call us on 13 11 82 or visit your nearest branch.
    If you're already a member with us, you can open a new bank account via our Mobile Banking App or Internet Banking by following these steps: 

    1. Click on Apply in the main menu;
    2. Select Account from the drop-down;
    3. Complete the Account Open Request online form.
  • Can I open an account with another person?

    Yes, you can open a joint account online or by visiting a branch.

    A joint account is held in the names of more than one person. It’s important to know that if you open a joint account, all joint holders will be liable for any money owing on the account. This means that we can request payment from both or either of person for any outstanding funds.

    When setting up the account, we’ll ask how you’d like to manage withdrawals. You can choose from the following options:

    ·   'All to sign' basis - All joint holders must sign to authorise a transaction (unavailable on the Everyday Living Account and Dream Fund) or,

    ·   'One to sign' basis – Only one joint holder needs to sign to authorise a transaction. In choosing this option, you can also have card access to this account.

    Please keep in mind that if the account requires all joint holders to authorise changes, there may be restrictions on Internet Banking access. You can always request to change these arrangements by contacting us.

    In the case of ‘all to sign’, any action on the account requires authorisation from all joint holders, including account closure. In the case of ‘one to sign’, one joint holder can authorise actions or close the account.

    If one joint holder passes away, the other joint holders will automatically take the deceased joint holder's interest in the account (this may differ for business accounts).

    Make sure to read the terms and conditions when opening a joint account, as they explain the important legal consequences of joint account ownership. 

  • How do I close a bank account?

    You can close your People's Choice bank account by calling us on 13 11 82 or visiting your nearest branch.

    If you're already a member with us, you can close a bank account via Internet Banking by following these steps: 

    1. Click on Services in the main menu;
    2. Select Close Account;
    3. Complete the Account Closure Request online form.



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