Other Facilities

Written by Amy Craig

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You don’t need to visit our branch to deal with us. In fact, most of our members have never even been to our branch. We have all the services you need to access your account 24 hours a day, 7 days a week.

Choose an Access Method
Bank@POST Direct Debit E-Statements	Cheque Facility Direct Credit	Bpay® Periodical Payments

Bank @ POST

Bank@Post is Australia Post's personal banking service, the largest banking network in Australia, with facilities at over 3,100 Australia Post outlets around the nation.

Why do we offer the benefits of Bank@Post?

Can withdraw and deposit funds to savings accounts using rediCard and Visa Debit Cards
Outlets also offer bill payments and money order services,
multiple transactions in one place, on one visit
For interstate travellers and members travelling outside their local areas, Bank@Post offers nationwide on-the-spot banking convenience

Australia Post's Post Office Locator

How do you use Bank@Post?

You must have your Redicard or Visa Debit Card linked to the savings or loan account on which you wish to transact. Just present your card and tell the Australia Post staff that you would like to make a Bank@Post transaction. Then you need to swipe your card, select your account and enter your PIN to begin.

Cheques deposited as part of a Bank@Post deposit may take up to 10 days to be converted to "cleared funds".

Cheque Facility

We can provide you with a personal cheque facility which operates from your savings account. Making payments by cheque is simple, flexible and easy. Cheques are widely accepted and you don't have to worry about carrying large quantities of cash.

Cheque books in 25, 50 or 100.
Plus deposit book
Personal Cheque transactions are part of our Relationship Rewards Program.

Additional Information

How long does it take to clear a cheque?

When you deposit a cheque to your credit union account it will usually take 3 working days to clear, but may
take longer in some cases. Please note that you will not be able to withdraw any of the proceeds of a cheque until it is cleared.

Also, when depositing the cheque, you can ask for a special clearance on the cheque. When you do, we will tell you how long it will take to specially clear and the amount of any special clearance fee.

Crossing a cheque, not negotiable or account payee only

If you cross a cheque, it is a direction to us to pay the cheque into an account at a bank or other financial institution. A crossing does not actually prevent the cheque being negotiated or transferred to a third party before presentation to a bank or financial institution for payment.

Crossing a cheque means drawing 2 lines clearly across the face of the cheque as shown above. When you cross a cheque or add the words 'not negotiable' between the crossing you may be able to protect yourself, but not always, against theft or fraud. This crossing sometimes serves as a warning to the collecting financial institution, if there are other special circumstances that it should inquire if its customer has good title to the cheque.

When you add the words account payee only between these lines you are saying that only the named person can collect the proceeds of the cheque. These words may give you better protection against theft or fraud. It would be prudent for the collecting financial institution to make inquiries of the customer paying the cheque in, if the customer is not the payee of the cheque.

Deleting 'or bearer' on the Cheque

Your pre-printed cheque forms have the words 'or bearer' after the space where you write the name of the person to whom you are paying the cheque. The cheque is a 'bearer' cheque. If you cross out the words 'or bearer' and do not add the words 'or order', the cheque is still a bearer cheque. You can give yourself more protection against theft or fraud by crossing out the words 'or bearer' and adding the words 'or order'.

How Do I Stop Payment on a Cheque?

You can stop payment on a cheque by:

ringing us with sufficient particulars to identify the cheque; we may insist on written confirmation; or
writing to us, again, with sufficient particulars to identify the cheque.

You must, of course, do this before we have paid the cheque. A dishonour fee will be charged should the cheque subsequently be presented.

What Do I Do to Reduce the Risk of Forgery?

When filling in a cheque:

start the name of the person to whom you are paying the cheque as close as possible to the word 'Pay';
draw a line from the end of the person's name to the beginning of the printed words 'or bearer';
start the amount in words with a capital letter as close as possible to the words 'The sum of' and do not leave blank spaces large enough for any other words to be inserted; also
add the word 'only' after the amount in words;
draw a line from the end of the amount in words to the printed '$';
start the amount in numbers close after the printed '$' and
avoid any spaces between the numbers; and
always add a stop '.' or dash '-' to show where the dollars end and the cents begin and, if there are no cents, always write '.00' or '-00' to prevent insertion of more numbers to the dollar figure.

When Can We Dishonour or Not Pay on Your Cheque?

We can dishonour your cheque or not pay on it if:

you have insufficient funds or available credit in your account to cover the cheque;
you have not drawn up the cheque clearly so we are unsure what you want to do;
the cheque is 'stale', that is, the date of the cheque is more than 15 months ago;
we have notice of your death or mental incapacity; or
the signature differs from that registered.

BPAY®

With BPAY® you can take care of all those annoying bills in one hit. BPAY® gives you total control over your payments – and can be used over the Internet, phone or at your local branch.

Simply register for phone or Internet banking
Look for the BPAY® symbol on your bill
Pay your bills 24 / 7 online or over the phone

Direct Debit

With our Direct Debit Bill Paying Service you can prearrange payment of an authorised sum to a nominated recipient at nominated intervals.

Payments debited directly from your account, including utility bills, insurance payments, monthly credit card repayments, loan repayments and charitable donations.
All you need to do is quote our BSB 802-884 and your account number

Direct Credit

Why waste time travelling between different financial institutions to transfer your money when you can have it done electronically? You can even arrange to have your pay allocated automatically between your accounts.

No transaction fee
Money directly credited to your account including salary, pension/allowance and tax refunds
Simply provide our BSB 802-884, your account number and account name to the remitter of the funds

Note: when providing information on your membership, always adopt sensible security practices. Learn more about good online security practice.

Periodical Payments

This service enables you to make a payment or transfer to yourself or another party from your savings account on a regular basis.

Easy to set up to recur (e.g. weekly, fortnightly, monthly, quarterly) for an indefinite or fixed number of payments or transfers
Outgoing payments can be in the form of transfers to another member's account or another financial institution
Payments can also be by cheque posted to an address you nominate or to a BPAY biller
Users of our Internet Banking service can create their own periodical payments