Open your new account and activate your Visa Debit Card

You'll need to be a member with us and have a People's Choice account to be eligible for a Visa Debit Card.

Visa Secure

  • How much does Visa Secure cost?

    This additional security benefit is provided to you free of charge.
  • Can I use Visa Secure from any computer?

    Yes, you can use Visa Secure from any mobile device or computer connected to the internet, with a compatible browser.
  • Can I request that all transactions I make online go through the Visa Secure service?

    No. Only merchants and retailers that have signed up to the Visa Secure service will have this security facility on online transactions. The list of retailers becoming Visa Secure merchants is expanding everyday.
  • Can I use Visa Secure if I have a joint account?

    Yes. Both joint owners of the account should have their own card issued, and you should be using the card that is in your name when performing online purchases. When using your card to perform an online transaction through a participating Visa Secure merchant you may be required to enter in personal information that is held by People's Choice to complete the transaction.
  • Will my account be billed for Visa Secure purchases?

    Your Visa Secure purchases will appear as normal purchases on your statement, under the name of the 'merchant' - that is, the company from which you made your purchase.
  • How does Visa Secure work?

    As you make a purchase online, Visa Secure assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (name on card, member number and date of birth) so People’s Choice can be sure the card isn't be used without your permission.
  • What is the Visa Secure service?

    Visa Secure is a service designed to ensure you are protected while shopping online with your Visa card.
  • Will I need to apply for a new card to use Visa Secure?

    No. We will register your card for Visa Secure on your behalf, so you'll automatically be protected.
  • Why would I be asked to confirm personal details and is this safe?

    Each time you make an online purchase, Visa Secure assesses the risk level of the transaction – certain activity may seem out of the ordinary, maybe because it’s a high dollar value, or a retailer you’ve never bought with before. If People’s Choice is concerned a transaction may be fraudulent, you will be prompted to confirm your identity, and you will be requested to enter some personal details unique to your account with us. This information is used only to verify your identity, and is not stored by Visa Secure, nor is it passed to anyone including the online merchant.
  • Will I require a username and password for the Visa Secure service?

    Protection the Visa Secure way is simple because you don’t have to remember usernames and passwords – you will be automatically registered and protected. If your Visa card is new, People’s Choice will register the card before we issue it to you. With existing Visa cards, People’s Choice will take care of registering it as part of the Visa Secure service.
  • What is Verified by Visa?

    Verified by Visa has recently been renamed to Visa Secure. Visa Secure is a service that automatically sends a One Time Password to your mobile phone, to authenticate the purchaser and protect your card against unauthorised use.

Visa payWave

  • What is Visa payWave?

    Visa payWave is a globally accepted, contactless payment solution. It allows Visa cardholders to complete transactions under $100 without having to swipe or insert the card. You simply wave the Visa card in front of the contactless terminal and go. No need to enter a PIN or sign for the transaction. It’s that simple.
  • Can I still use my People's Choice Visa Card at merchants that do not have contactless terminals?

    Yes. The card can still be used the traditional way at non-contactless terminals as it still has a chip and magnetic stripe, by either swiping or inserting the card and entering a PIN or signing you can complete the transaction. You can still choose to use your PIN or sign for transactions less than $100 if you prefer not to use the payWave functionality if the merchant facility still allows transactions to be made in this way.
  • Are there still fees for using payWave?

    There are no fees for setting up or using the payWave feature on your card. However standard fees and charges may apply to our cards or card related transactions. For more information, please refer to our Fees and Charges document.
  • Are Visa payWave transactions safe?

    Yes, they are:

        - You are in control - your contactless card never leaves your hands to make a payment

        - No accidental payments - your contactless card must be extremely close to the reader at the checkout to work

        - Customers won't be double-charged for the same transaction even if the card touches the reader more than once.

        - The maximum reach of 4cm means that you can't unknowingly pay for another person's purchase

        - Virtually impossible for any of your Visa card details to be intercepted while in use. Each payWave card reader contains security based on industry-wide standard.
  • What are the benefits of using Visa payWave?

    It's like having exact change wherever you go, so you don't have to worry about carrying a lot of cash or looking for change.
    Contactless payments are a form of innovative payment technology that makes small payments as easy as tapping your card.
    Your Visa payWave card never leaves your hand at the checkout and eliminates the risk of card skimming as there is no need to enter the card into a card reading device.
    You can keep track of all transactions made using your Visa payWave card by checking your statement or Internet Banking transaction record, instead of keeping piles of receipts for your small purchases made with cash. It’s a fast and convenient payment method, especially at places where speed is essential, like at supermarkets, fast food restaurants, convenience stores and more.
  • How do I know only one Visa payWave transaction has been processed when I wave my Visa payWave card?

    All Visa payWave readers are tested and certified to make sure a card is only read once per transaction. As a safeguard, each transaction must be complete or void before another one can take place.
  • What do you need to be able to use Visa payWave?

    All you need is a Visa card with the payWave feature. People's Choice Credit Union offers members a credit or debit Visa card with the payWave feature. To find out if your card has contactless technology, it will have the payWave logo on the front.
    If you do not currently have a card with contactless technology, when your current card expires or is re-issued if reported as lost or stolen, the replacement card you receive will have contactless technology.
  • Can I still use payWave?

    Yes. In Australia, where that facility is enabled you can still ‘tap’ your Visa payWave enabled credit or debit card on a contactless enabled terminal or touchpad to initiate the payment side of the transaction. When payWave is used for any transaction under the value of $100 there is no need for you to enter a PIN. From 1 August 2014, for transactions greater than $100 you will be asked to enter a PIN.

Visa Checkout

  • How do I register for Visa Checkout?

    People's Choice Credit Union members can register for Visa Checkout by logging in to Internet Banking, clicking on the 'Apply' tab, navigating to 'Visa Checkout' and following the instructions.

    For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.
  • What is Visa Checkout?

    Visa Checkout is a streamlined, secure and flexible way to conveniently shop at your computer or on the go.

    Streamlined – save time and effort. No need to re-enter your card number or shipping preferences again
    Secure – pay with confidence. Visa Checkout combines secure technology and valuable features with reliable customer service
    Flexible – Visa Checkout lets you use any major credit or debit card through a single service
    For more information about Visa Checkout and customer support enquiries please visit the Visa Checkout website.

Need some help? We've got you covered. 

Get in touch with us and we can help you get the answers you need.
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