Our Access Account provides convenient access to your money anytime day or night. A no fuss everyday savings account that is designed to cater for your banking needs.

• No monthly or annual fees
• RediATM network of 3100 ATMs
• Internet and Phone banking
• Cheque books and
• Direct credits and debits

On-line only savings account offering a higher rate of interest than your On-call savings account, whilst providing you with an easy and simple way to save.

Funds are available at call and can be accessed via internet banking transfer to your nominated savings account. Transactions cannot be actioned on this account over the counter.

There are also no account keeping fees making this a cost effective way to save. You must be registered for internet banking to be eligible for an online savings account.

This account can be used as a transaction account but offers a higher rate of interest than the On-call account. There is a minimum balance requirement of $3000.00 to earn the higher rate of interest.

Your funds are available at call and there are no account keeping fees.

This account is available to members who are subject to the Government Deeming Provision. It is not obligatory for members in receipt of a pension or other Government assistance to operate a Deeming Account.

There are no minimum balance requirements or monthly account keeping fees.

This account is a special purpose account for members to save towards Christmas expenses.

Withdrawal restrictions apply to this account from February to October each year. There are no minimum balance requirements or monthly account keeping fees.

A penalty applies to early withdrawal from this account.

Our Mortgage Offset account may perfectly complete your home loan with us. Any funds deposited in an Offset account are deducted from your home loan balance prior to calculating your interest expense.

This account is a non interest earning account which means you not only reduce the amount of interest you pay on your loan, but you are also reducing the amount of tax you pay on your savings interest. The account has no minimum balance requirements and can be used as an everyday working account as well.

Mortgage Offset Account Application

Direct Debits

A direct debit is a convenient and efficient method for making a variety of payments but is usually best suited to small to medium recurring payments of a fixed amount such as insurance premiums. Care should be taken before giving a direct debit authority for unpredictable expenses or for amounts that can vary significantly.

You will usually give direct debit authority to a merchant, which permits them to directly debit your nominated account with us in payment for goods and services. You should always review your bank statements to ensure that the merchant is debiting your account in accordance with your authority.

You can cancel a direct debit authority that is linked to an account with us by either contacting the biller or us. If you contact us we will promptly process your instruction to cancel the direct debit authority.

You should maintain sufficient funds in your account to cover the cheques that you write.

Internet Banking

Internet banking allows you to do your banking from the comfort of home 24/7.
You can use our internet banking to check your account balance, or transfer money between your accounts with First Choice Credit Union or to any other financial institution. You can also use BPAY to pay any bill with the BPAY symbol.

You must be registered to use internet banking and should read our online security tips before using.

Log onto Internet Banking

Internet Banking Registration Form

You can use phone banking to check your balances, transfer between First Choice Account or pay bills using BPAY. Phone 6362 2944.

Redicard is a debit card that is linked to the funds available in your account. Using redicard you can withdraw cash at any ATM in Australia and you can also make purchases via EFTPOS terminals at supermarkets and retail stores.

Redicards are part of the RediATM network so redicard users can now use their card in any RediATM (more than 3100 Australia wide including NAB ATMs) without being charged a direct charge fee. You can find your nearest RediATM online at www.rediATM.com.au or by texting your location to 199 55 286.

Please click here for Conditions of Use Brochure

Information for Members - 1 JULY 2010

2/18 SALE STREET ORANGE NSW 2800 - Ph 6362 2944