Internet Banking

  • Where can I find uncleared transactions on my account?

    You can view uncleared transactions from:

        1. The Transaction History page by selecting ‘Accounts’ from the top level menu and then ‘Transaction History’ from the slide out menu, or

        2. The Account Balances page, by clicking on the ‘down’ arrow on the right, next to Account Balances to display the account details, and then by clicking on the red ‘Uncleared Transactions’ amount.
  • What is an uncleared transaction, how is the total calculated and when will it be cleared?

    A transaction is considered an uncleared transaction when the amount is not available for use. The transaction is reflected in the 'Available Balance' section of an account. The total value of uncleared transactions can be made up of:

        1. Pending debits such as VISA/Paywave, where the debit has occurred, but the funds haven’t been debited from the account

        2. Pending credits such as Visa refunds

        3. Cheque deposits that haven’t been cleared

        4. Holds placed on funds by People’s Choice for a specific reason, such as suspected fraud, a foreign cheque deposit or an amount reserved for a significant purchase, e.g. a home

    Please note: Uncleared credits will not update the Available or Current Balance.
    The clearing of an uncleared transaction will vary depending on the type:
  • Can I change the name of my accounts?

    Yes, by selecting ‘Settings’ from the main menu, then ‘Update Account Name’ from the slide out menu, and entering the personalised name next to the Account number you want to change. Only eligible account types can be updated.
  • How do I make an International Transfer?

    We’ve simplified the process and now only ask for the information required by the receiving country, so you don’t need to fill out unnecessary fields in the ‘International Transfers’ section inside Internet Banking.

        - Simply begin with selecting the country you’re wanting to send the money to

        - Next, the form will display only the fields of information required for that particular country

        - Go through the required fields and click ‘send’

    If you prefer the previous version of the International Money Transfers form with all fields, simply click ‘Manual’ in the ‘To Bank section.
  • Where is the IBAN on my email receipt for International Transfers?

    If you’ve opted in to receiving email notifications for foreign payments, the email receipt data will display the IBAN number in the ‘Accounts’ line when used. When an account number is used, this will populate in the ‘IBAN’ line.
  • Why can’t I find New Zealand info in International Transfers?

    When using Internet Explorer, you might experience issues where the bank search will not return any results when New Zealand is selected as country.

    In this case, simply enter the details manually for the New Zealand bank, or alternatively use a Chrome browser.
  • Is there an Internet Banking user guide?

    You can find complete information about Internet Banking on our Internet Banking page
  • How can I tell when I last logged into Internet Banking?

    A message will appear on your welcome screen as soon as you log in to Internet Banking, advising the last time you've logged in. If this is incorrect, please contact us on 13 11 82. You can also check your login history at any time by selecting ‘Services’ from the main menu, then ‘Session History’ from the slide out menu.
  • What should I do if I think my passwords have been compromised?

    You should reset your password as soon as possible by calling 13 11 82 or visiting any branch. For security reasons our Contact Centre will do an identity check before releasing your new password.
  • What services are available on Internet Banking?

    Internet Banking offers you access to your accounts online, 24 hours a day. It is secure to use and gives you the convenience of choosing your own banking hours while carrying out the following;
        - Activate your card
        - View your account balances
        - View transaction history
        - View uncleared transactions such as pending debits and cheque deposit holds
        - Make payments using BPAY®
        - Transfer funds to accounts within Australia using Fast Payments
        - Tell us when you’re going overseas
        - Schedule payments
        - Make International Transfers
        - Order Foreign Cash
        - Apply for loans, credit cards and check payroll details
        - Open and close accounts
        - Set up email alerts, manage your personal details and more

    You can also register for:
        - eStatements
  • I haven’t used Internet Banking for a while and I’m locked out. Why?

    If you don't log in to Internet Banking for 180 days or more, your password will be made inactive for security reasons.To reset your password you can:

        - Call us on 13 11 82. For security reasons we’ll do an identity check before releasing your new password.

        - Visit one of our branches. For security reasons you’ll need to present photo identification before a new password is released.
  • Is Internet Banking secure?

    People’s Choice uses industry-standard encryption to help you to stay safe while you’re online banking with us. See our tips to stay safe online.
  • If I have a joint account, can I access another account holder’s Internet Banking?

    No. The information available on Internet Banking is membership based. You’ll have access to all accounts under your membership, including any joint accounts.
  • How can I change or reset my password via Internet Banking?

    You can change your password at any time by selecting the ‘Settings’ tab from the top menu then ‘Change Password’ from the slide-out menu. You can also reset your password via the ‘Reset Password’ link on the Internet Banking Login page.

    If you are locked out due to inactivity of your Internet Banking account for 180 days or more, or because you have used the incorrect password 3 times, call us on 13 11 82, use our secure online form on our website, or drop into a branch.
  • Which accounts can be accessed via Internet Banking?

    You can access any type of account you have with People's Choice, such as:

        - Home loans

        - Personal loans

        - Accounts

        - Credit cards

        - Term investments

    You can also use Internet Banking to pay bills using BPAY®, check account balances and transaction history, schedule transfers, check your electronic statement and more. Check out our Internet Banking page for complete information.
  • How do I register for Internet Banking and do I need an email account?

    To register, call us on 13 11 82 or drop into your local branch. You don't need an email account to register for Internet Banking, but you do need one if you want to register for Internet Banking alerts and/or eStatements.
  • Do I need Internet Banking to register for the Mobile Banking App?

    Yes, the Mobile Banking App is a revised version of Internet Banking that is designed to be used on mobile devices. To use the Mobile Banking App you must be registered for Internet Banking and have supported device. Visit our Mobile Banking FAQs for more information.
  • What should I do if I lock myself out of Internet Banking?

    For security reasons, if you enter your password incorrectly three times you’ll be locked out of Internet Banking. This is to protect you against an unauthorised person trying to access your bank account. If you’re locked out of Internet Banking and you have set up secure code, you can use the Reset Password function here. Otherwise, you can get your password reset by:

        - Calling us on 13 11 82. For security reasons our we’ll do an identity check before releasing your new password.

        - Visiting one of our branches. For security reasons you’ll need to present photo identification before a new password is released.
  • What if I can’t remember my member number and Internet Banking password?

    If you can't remember your password you can:

        - Use the Reset Password function here if you have set up secure code

        - Calling us on 13 11 82. For security reasons our we’ll do an identity check before releasing your new password.

        - Visiting one of our branches. For security reasons you’ll need to present photo identification before a new password is released.
  • Do I need Internet Banking to receive eStatements?

    Yes, you need Internet Banking to be able to register and view your electronic statements. To register, call us on 13 11 82 or drop into your local branch.
  • I’m going overseas soon, what information do I need to give you and how?

    You’ll need to let us know your departure and return dates, and where you’re going. You can do this via Internet Banking by selecting ‘Services’ from the main menu then ‘Travel Advice’ from the slide-out menu and entering the details requested. If you’re travelling to multiple destinations, enter a travel note for each destination. For example, if you’re visiting different countries in Europe, you’ll need to add each country and the dates you’re visiting, separately. You can also call us on 13 11 82 to notify us of your travel arrangements.

    While we’re aware that you’ll be using you Visa Debit card overseas, our Fraud department may still contact you if they find any suspicious transactions on your account. So that we can contact you, please also provide your phone number or email address.

    The travel note will only be applied to your personal membership. If you’re travelling with another person that also holds a People’s Choice membership, they’ll need to notify us too.

    Please also be aware that using your Visa card overseas may incur fees for conversion. For more information visit Fees & Charges brochure found on this page
  • How do I pay a bill using BPAY?

    Once logged in to Internet Banking, select the ‘Transfer/Pay’ tab from the top of the screen and ‘BPAY’ from the slide-out menu. Complete a Second Tier Authentication when prompted (A Second Tier Authentication is only required once per Internet Banking Session). Select which account you wish to debit from the drop down menu. You can change your default debit account by selecting the ’Settings’ tab and ‘General Settings’ from the slide-out menu.

    To pay an account from a previous BPAY biller, select the relevant biller from the Payees list on the right hand of the screen and enter the amount you wish to pay. To find your previous Biller easily, you can sort your billers by the Biller Name, Description or the last payment date. You can also search for a previous biller by selecting the “Search” icon with the magnifying button and typing in your search criteria.

    Complete the remaining fields by entering the amount you wish to pay. Ensure the Customer Reference Number is correct, as some billers change this number for each bill. Ensure that ‘Update billers’ is ticked if you would like to save this biller’s information in the Payees List on the right hand side of the page.

    Click the ‘Create Payment’ button to proceed with the BPAY. Confirm the details on the screen, and when correct click ‘Confirm’ to finalise the payment or click the ‘Edit Payment’ link to modify the payment details. You will receive an email confirmation if you have this option turned on.
  • Can I schedule a regular BPAY payment or set one up for another day?

    Once logged in to Internet Banking, select the ‘Transfer/Pay’ tab from the top of the screen and ‘BPAY’ from the slide-out menu. Complete a Second Tier Authentication when prompted (a Second Tier Authentication is only required once per Internet Banking Session). Then select the ‘Schedule Payment’ link at the bottom of the page which will display the scheduled payment required fields. Select the date of your first payment, the frequency of the payments from the drop down list and the number of payments you wish to make or click ‘Ongoing’ for ongoing payments.

    Click on the ‘Set Schedule’ button to proceed, the payment details will be displayed. Verify the payment details and click the ‘Confirm’ button if they are correct or the ‘Edit Payment’ link if you wish to modify the payment details. You will receive an email confirmation if you have this option turned on. To view and manage your scheduled transfers and BPAY select the ‘Transfer/Pay’ tab from the top of the screen and ‘Edit Scheduled Transfers and BPAYs’ from the slide-out menu.
  • How do I view, search and download my transaction history and details?

    Once logged in to Internet Banking, ‘Accounts’ tab from the top of the screen and ‘Balances’ from the slide-out menu. Click in the Account pane of the Account you wish to view transactions. Alternatively select ‘Transaction History’ from the slide-out menu from the ‘Accounts’ tab. The account with the smallest account number will be displayed by default. To view the transactions of a different account, select the arrow of the dropdown menu and make a different selection.

    To modify the Transaction search criteria, or to see greater than the last 14 days of transactions, click on the magnifying glass icon located under the account details panel on the right.

    To download the transactions into XLS, CSV, QIF or QFX format or to print the transactions, click on the downward arrow at the end of the transactions, then select from the options displayed.
  • How do I transfer between my accounts?

    Once logged in to Internet Banking, select the ‘Transfer/Pay’ tab from the top of the screen and then click ‘Transfer’ from the slide-out menu. Select the accounts you wish to transfer between and enter the amount you wish to transfer. The ‘Reference’ is a personal description of your transfer and will appear on your statement.

    To set up a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ option and select the date of your first transfer, the frequency from the drop down list and the number of transfers you wish to make, or select ‘Ongoing’ for ongoing payments. Enter the amount you wish to transfer. Click ‘Create Transfer’ or ‘Set Schedule’ to process or schedule the transfer. Confirm the details of the transaction and click the ‘Confirm’ button if correct or the ‘Edit Payment’ link if you wish to modify the payment details.
  • What order are Saved Payees displayed for Transfers and BPAYs?

    Saved Payees are displayed on the right hand side of the page for BPAY billers and Transfers in Description order. You can select the order saved Payees are displayed by clicking on the dropdown icon to display the sort options and then selecting the option. You can also search saved Payees by clicking on the magnifying glass in the green circle above the Payee list.

    Note: payees are automatically saved when you complete the transaction, if you do not want to save the Payee, uncheck the ‘Update Billers’ for BPAYs or ‘Update Favourites’ for Transfers checkbox above the Amount.
  • How do I transfer funds to another person or People’s Choice member?

    Once logged in to Internet Banking, select the ‘Transfer/Pay’ tab from the top of the screen and then click ‘Pay Anyone’. Complete a Second Tier Authentication when prompted (A Second Tier Authentication will only need to be selected once per Internet Banking Session for first time payees and non-transactional functions).

    Select between the ‘Now’ and ‘Later’ option. If you have transferred to this account previously, you can select the account from the Payee list displayed. To find your previous Payee easily, you can sort your payee by the Payee Name, Description, BSB number or the last payment date. You can also search for a previous payee by selecting the ‘Search’ icon with the magnifying button and typing in your search criteria. Alternatively select the ‘Someone new’ option to add in new account information. 
  • How do I stop my browser from saving my Internet Banking password?

    Some recent browser updates mean that you may now be prompted to save your Internet Banking password when logging on to Internet Banking.
    If you have saved your Internet Banking password and would like to clear your saved password data, or disable the feature completely, you can do this through your browser settings.

    For security reasons, we recommend you never use this feature to store your Internet Banking password. This is of particular importance when using a public or shared computer as someone else could access your personal information without your knowledge.

    If you need help accessing your browser settings we've provided links to the main browser websites below. Please note that in some cases your browser version may be different from that in the links and you may need to search the relevant site for more specific instructions.

        -  Internet Explorer

        -  Google Chrome

        - Safari

        - Firefox
  • How will I receive a response to my Secure Mailbox?

    You will receive a response directly into your Secure Mailbox. Please ensure you check back regularly to see if you have a response to your enquiry.
  • Can I increase my Internet Banking limit via the Secure Mailbox?

    No, however, you can increase your Internet Banking limit by calling us on 13 11 82 or by visiting one of our branches.
  • How can I see my account details easily and make quick transfers?

    The first screen you will see after logging in to Internet Banking is the ‘Accounts Balances’ page. This screen allows you to view your accounts and account balances at a glance. You can reorder the display of your accounts by clicking the ‘Reorder Accounts’ link located above the first displayed account. To perform a quick transfer or payment, click on the double downward arrow located next to your account balances.
  • How do I update my details in Internet Banking?

    To update your details, login to Internet Banking and select Settings > Member Details and follow the prompts.
  • Why can I see new details on my super payment in my Internet Banking?

    From 9 April 2021, your super provider will be able to use the New Payments Platform (NPP) to make payments into your bank account. NPP is an industry-wide initiative that allows fast payments that are safe and secure. If your super provider chooses to make payments via NPP, two new fields will appear on the super payment in your Internet Banking. These two fields are IDENTIFICATION and SCHEME NAME. Identification is the Unique Superannuation Identifier (if provided) and Scheme Name will always display USI. 

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