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ACCESSING MY MONEY
You can access your money anytime, anywhere. Whether you’re paying bills or doing your banking or shopping, we have a range of easy access options to suit you.
Deposits & Withdrawals
Other Access Options
Other Important Information
A Visa Debit payWave card may be used to:
Make fee free purchases instore, over the internet1 or phone, or by mail from any merchant displaying the Visa logo, both in Australia and overseas.
To make sure your instore purchase is fee free choose the 'credit' button at eftpos facilities within Australia such as supermarkets, petrol stations, hotels and other outlets which display the Visa or eftpos logo. Only use the 'savings button' when you want cash out with your purchase.
Use your Visa Debit payWave card to:
All new replacement and renewal Visa Debit payWave cards we issue feature a secure embedded microchip to give you a higher level of confidence in the security of your transactions. The microchip is a smart chip, which appears as a gold or silver square embedded on the left hand side on the front of the cards. The chip stores your account details but unlike the magnetic stripe, the microchip is much harder to copy, which provides a higher level of protection against counterfeiting, card skimming and other fraudulent use. With this new technology, instead of swiping your card, you may be asked to insert your card into or wave your card in front of the Visa or eftpos terminal.
1 Verified by Visa is a free service all Community CPS members are registered for which may request personal information from members to ensure the transaction is legitimate. Please click here for the full terms and conditions.
payWave is the latest contactless payment method available on your Visa Debit card.
With payWave contactless technology there's no need to swipe or insert your Visa Debit card, sign your name, or even enter your PIN for purchases under $100 at participating merchants. However you can still use your card for larger purchases by signing or entering your PIN.
Benefits of payWave:
2 Visa’s Zero Liability policy covers Australian and New Zealand issued Visa cards against fraud and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders must not have contributed to the loss and notified us promptly of any unauthorised Visa use. For more information on Visa’s Zero Liability policy visit www.visa.com.au
Daily and individual transaction limits apply and must be under $100. Visa payWave®
A rediCARD may be used for:
You can make deposits:
Funds can be withdrawn over the counter in the form of cash or a Corporate Cheque. Cash withdrawals on up to two savings accounts can be made at Bank@Post outlets with your Visa Debit card or rediCARD and PIN (This option is not available for Business or monEsaver Internet Savings accounts). In addition, if you have a Visa Debit card attached to your account, you can use it to access funds overseas by completing a Visa Cash Advance at any bank
One of the most convenient ways to access your money, 24 hours a day, seven days a week, is through an ATM. If you have a Visa Debit card or rediCARD, you can withdraw cash from any ATM within Australia. Balance enquiries are also available.
We are part of the extensive rediATM network of ATMs. This means that every rediATM, whether it’s in a credit union branch, at a nab branch or in a street or shopping centre, is treated as one of our own ATMs. You can withdraw cash, check your balance or make transfers at any rediATM in Australia, without paying a direct charge fee as the transaction will be deducted from your monthly Fee Allowance.
With over 3,400 ATMs across Australia, the rediATM network is one of the largest ATM networks in the country making using rediATM convenient.
To find your nearest rediATM, visit www.rediatm.com.au, use our rediATM SMS Locator, or if you have an iPhone you can download our free rediATM Finder Application from iTunes.
If you use a non-rediATM to withdraw funds or make a balance enquiry you will incur a Direct Charge fee by the ATM owner in adition to the non-rediATM fee we charge. The amount of the Direct Charge differs from ATM to ATM but you will be told how much this fee is before you complete your transaction. The Direct Charge fee is charged to your account at the same time as the withdrawal is processed. If you request a receipt, your balance will be printed on the receipt after your transaction is complete.
If you don’t have a rediATM nearby, consider using your Visa Debit card or rediCARD to pay for goods and services and withdraw cash using EFTPOS instead of paying a Direct Charge fee at a non rediATM. Fees for EFTPOS are generally lower than non-rediATM Direct Charges and are included in your monthly Fee Allowance.
Travelling is easy with a card. You can withdraw cash at overseas ATMs that display theand logos. We recommend you take a Visa Debit card so that you can take advantage of more locations and the added security chip cards offer. Some European countries for example no longer accept cards without chips.
Available at over 3,000 Post Offices across Australia, Bank@Post allows you to make deposits and withdrawals using your Visa Debit Card or rediCARD and PIN*. We can link your membership so that you can withdraw and deposit over the counter at any registered Australia Post outlet.
*Bank@Post is not available for Business or from accounts that are not linked to a Visa Debit card or rediCARD such as a monEsaver Internet Savings accounts or if the account is set up for two people to sign.
You can use your Visa Debit card to make purchases at any merchant worldwide which displays the Visa logo. The merchant will produce a docket of the transaction for you to sign which you will receive a copy of for your records. Any Visa Debit card transaction at an EFTPOS terminal using the 'credit' button is also a Visa Debit purchase. Visa Debit Purchases are fee free.
You may arrange for a Corporate Cheque
If you have a Visa Debit card or rediCARD and PIN, you can pay for goods and services and withdraw cash from any retail outlet within Australia which displays the EFTPOS logo. When you use EFTPOS in conjunction with your PIN, your money will be drawn directly from your account as soon as you make a purchase from an EFTPOS retailer.
You may make transfers between savings accounts or from a savings account to a loan account
You can talk with one of our professional, experienced consultants who can assist you with a broad range of enquiries, including applications for loan and insurance products (please note that a passcode is required for some of these services).
Download a Telephone Banking Application Form.
Overseas Telephone Number (+61 8 8205 8888)
You can contact us when you are overseas by calling the above phone number.
You can do most of your banking over the phone 24 hours a day, seven days a week, by using our Account Information Line. It’s an easy, secure way to manage your accounts. You’ll need a Telephone Banking Passcode which can be obtained by completing an application form at any of our Branches or by calling 13 25 85 from anywhere in Australia.
To access the Account Information Line overseas call +61 8 8274 4522.
If you have access to the Internet, it’s easy to do your banking Online with us. As well as being a cost effective way to manage your money, you can do your banking 24 hours a day, 7 days a week. If you know how to use our Account Information Line, you’ll find this just as easy! You can use Internet Banking on your computer at home or at work. However, you should avoid accessing your account information at Internet cafés, or on shared computers, as public computers can contain viruses that capture your personal banking details. To access the highest level of security the service has on offer, we recommend the latest versions of browsers such as Internet Explorer, Firefox or Safari and suitable anti-virus and spy-ware software.
To view additional information in relation to Internet Banking, view our Internet Banking Help page or take our Internet Banking Tour.
Mobile Banking is a service provided to existing Internet Banking members that will allow limited Internet Banking functionality with an active internet capable mobile phone.
Any member with an active Internet Banking service who has access to a mobile phone with web browsing capability and mobile phone coverage at the time of attempting to connect to the service can access this service.
We offer BPAY®, is a flexible and convenient bill payment service that enables you to pay your bills over the phone or Internet - 24 hours a day, 7 days a week. Electronic BPAY is fee free so try it for yourself using the Account Information Line, Internet Banking or Mobile Banking.
Our SMS Banking service TEXT ME! helps you keep track of your finances and accounts by sending and receiving text messages on your mobile phone. Once registered, you can choose to recevie an event triggered alert, or you can request account information on demand.
Event Triggered Alerts - an SMS will be sent directly to your specified mobile phone number when a nominated transaction occurs on your account(s), such as a direct debit being processed.
On Demand Alerts - you can obtain important account information on demand via SMS, such as your balance or transaction history. You simply create a SMS message, type the relevant code (listed below) and send it from your specified mobile phone number to 0428 132 585. You will then receive an SMS containing your requested information.
To register for TEXT ME! in Internet Banking or by calling us on 13 25 85.
Information required Short Command:
(n) the number order that your account appears in the Account Balances page (e.g. if you want the balance of your 3rd listed account you would send an SMS containing the text B3).
B Gives a balance for all accounts
B3 Gives a balance for all accounts starting from the 3rd account
TXC2 Gives a credit only transaction history starting from the 2nd account
I3 Gives interest earned/paid starting from the 3rd account
Our BSB Number is 805-022 and the branch address is either Adelaide, Canberra or Perth, depending on your nearest location.
You must tell us immediately if your Visa Debit card or rediCARD is lost or stolen, or if you believe your card has been misused or the PIN has become known to someone else.
8am to 8pm (CST) weekdays and 9am to 3pm (CST) on Saturday (All States)*
*Excluding Public Holidays
Travelex is the world’s largest foreign exchange specialist. Through Travelex, we can offer you a comprehensive range of products and services to take care of all your foreign exchange needs.
In addition to your travellers cheques and/or Cash Passport Card, it is always advisable to carry some local cash to cover taxis, trips etc upon arrival overseas. Holiday Money regularly stocks over 35 foreign currencies.
Drafts are the cheapest form of sending money overseas, and can be sent by mail. The receiver generally has to pay the draft into an account, and it may take a few days to clear.
Telegraphic transfers are electronic funds transfers to financial institutions overseas.
We process all telegraphic transfers through Travelex the world’s largest foreign exchange specialist.
You can arrange a telegraphic transfer at your nearest Branch, by phoning the Member Contact Centre on 13 25 85 (+ 61 8 8205 8888 for overseas callers) with your Membership Number and telephone passcode or by sending us a secure email via Internet Banking.
For further information on telegraphic transfers, please visit our FAQs page.
If You Receive Money From Overseas
Subject to acceptability*, we can arrange through our alliance with Travelex, to convert Foreign Currency items into Australian Dollars. So, if you receive a Cheque from overseas, or return from a trip with unused Foreign Cash or Travellers Cheques, you can have them converted into Australian Dollars and have those funds deposited into your nominated account.
* Terms and Conditions apply