Transaction accounts

  • What documents do I need to be identified?

    The law requires us to verify your identity when you open an Account or Membership or when you become a signatory to an Account.

    The documents required for identification purposes can be one or a combination of identification pieces as required under the Anti-Money Laundering and Counter-Terrorism Financing Act (2006).

    When you visit a branch or Bank@Post outlet to become a member, please bring the following document/s with you:

    Primary Documents with photograph

      - Current Drivers Licence
      - Australian Passport (current or <2 years expired)
      - Current Foreign Passport
      - Student ID Card
      - Proof of Age Card (issued under law of an Australian State or Territory)
      - NSW Photo Card (Issued by NSW Road Transport Authority)
      - Current Firearms Licence
      - Indigenous Community Photo ID Card

    Primary Documents without photograph

      - Australian Birth Certificate or Extract
      - Australian Citizenship Certificate
      - Pension Card (issued by Australian Government for financial benefits)
      - Health Care Card (Issued by Centrelink)
      - Veterans Affairs Concession Card

    Secondary Documents


      - Utility Bills (current within last 3 months)
      - Council Rates (current within last 3 months)
      - Australian Taxation Notice (current within last 12 months)
      - Government Notice recording financial benefits (current within last 12 months)
      - Bank Statement (current within last 3 months)
      - Electoral Commission records
      - Housing Trust records
      - Children (under 18 years) - letter from school specifying name of child, currently residential address and period of time child attended the school (current within last 3 months)
      - There may be other acceptable ways to prove your identity. For more information please contact us. The new regulations require all identification to be current.

    The same rules apply to becoming a signatory to an existing Account .

    If you change your name, for example, upon marriage, you will need to give us suitable evidence. We will give you guidance on how to go about this.

  • 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.
  • 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 an account?

    You can open an account via our Mobile Banking App or in Internet Banking. Alternatively you can call our National Contact Centre on 13 11 82 or visit your nearest branch.
  • How do I become a member of People's Choice?

    You can open a membership online via our website or at your nearest People's Choice branch and will need to make sure you have sufficient identification documents with you.

    If you are unable to complete your membership application online or you are not located near a People's Choice branch, you can open your membership at a Bank@Post Australia Post outlet, please call us on 13 11 82 for details.

    What documents do I need to be identified?

    The law requires us to verify your identity when you open an Account or Membership or when you become a signatory to an Account.

    The documents required for identification purposes can be one or a combination of identification pieces as required under the Anti-Money Laundering and Counter-Terrorism Financing Act (2006).

    When you open a membership online or visit a branch or Bank@Post outlet to become a member, please have the following document/s with you:

    Primary Documents with photograph

    Current Drivers Licence
    Australian Passport (current or <2 years expired)
    Current Foreign Passport
    Student ID Card
    Proof of Age Card (issued under law of an Australian State or Territory)
    NSW Photo Card (Issued by NSW Road Transport Authority)
    Current Firearms Licence
    Indigenous Community Photo ID Card
    Primary documents without photograph

    Australian Birth Certificate or Extract
    Australian Citizenship Certificate
    Pension Card (issued by Australian Government for financial benefits)
    Health Care Card (Issued by Centrelink)
    Veterans Affairs Concession Card
    Secondary Documents

    Utility Bills (current within last 3 months)
    Council Rates (current within last 3 months)
    Australian Taxation Notice (current within last 12 months)
    Government Notice recording financial benefits (current within last 12 months)
    Bank Statement (current within last 3 months)
    Electoral Commission records
    Housing Trust records
    Children (under 18 years) - letter from school specifying name of child, currently residential address and period of time child attended the school (current within last 3 months)
     There may be other acceptable ways to prove your identity. For more information please contact us. The law requires all identification to be current.

    The same rules apply to becoming a signatory to an existing Account.

    If you change your name (for example, upon marriage) you will need to give us suitable evidence. We will give you guidance on how to initiate this change.
  • 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?

    On our transaction accounts, with the exception of the Expenses Account, the first two cash withdrawals per month through Bank@Post are free. Any additional cash withdrawals during that same month will incur a fee of $3.00 per withdrawal. There is no charge for depositing cash and cheques through Bank@Post.

Everyday Account

Offset Account

  • How do I open an Offset Account?

    To open an Offset Account you must have a People’s Choice Standard Variable Rate Home Loan or a Variable Rate Home Loan Package. You can open an Offset Account by visiting your nearest branch or, if you’re already a member of People’s Choice, by calling our National Contact Centre on 13 11 82.

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