Use the table below to help you reduce your account fees
and charges.
| Service & Fee Payable |
How to Reduce/Avoid Fees |
| ATM Transactions |
At cost (charged by the ATM owner at the time of the transaction).
|
Receive 10 Free rediATM transactions every month under our Member Rewards Program. (Members without Member Rewards receive 4 free rediATM transactions every month).
Other institution ATM – First 4 transactions rebated at $2 per transaction – maximum rebate $8 per calendar month under our Member Rewards Program.
Make larger, infrequent withdrawals rather than several smaller ones
Combine a cash withdrawal with an EFTPOS purchase. |
| EFTPOS
Transactions |
| 25 Free per month then $0.55 each additional transaction.
Transactions include point of sale purchases and declined
transactions. |
Member Rewards Program* entitles you to unlimited FREE EFTPOS transactions.
If you are paying for goods and have a PCU Visa Debit Card, use the Credit (CR) function (not available in Woolworths participant stores). This is considered as a Visa purchase and does not count towards your total of EFTPOS transactions. |
| Balance
Enquiries at ATM's |
| At cost (charged by the ATM owner at the time of the transaction). |
Obtain your balance using Internet Banking# or Redidial Telephone
Banking on on 131 PCU (131 728) - both services are FREE.
Unlimited Free balance enquiries at rediATM's. |
| Counter
Cheques and Member Cheques |
$3.00 per counter cheque
$1.00 for each Member cheque. |
Pay your bills with BPAY either with Internet Banking or through Redidial
Telephone Banking on 131 PCU (131 728) - both services are FREE.
Qualify for Member Rewards and you're entitled to 6 FREE Member cheques every calendar month. |
| Funds Transfer (by facsimile) |
$3.00 Same Membership
$1.50 Across Memberships |
To transfer funds within or across your Membership, use the Redidial or Internet Banking service - both services are FREE.
Consolidate the number of memberships you have with us to save on transfer fees.
External transfers are available through Internet Banking# - this is a FREE Service. |
Visa Cash Withdrawal at Other Financial Institution
(including Overseas ATM withdrawals) |
| $3.80 per advance (includes overseas ATM withdrawals) |
The PCU Visa Credit Card is also a debit card and you can use the savings function to conduct withdrawals through ATM's and EFTPOS terminals within Australia.
Normal ATM and EFTPOS fees apply. |
| Electronic Periodical Payments |
| $1.00 per external electronic periodical payment. |
Qualify for Member Rewards and you're entitled to 3 FREE Electronic Periodical Payments per month.
BPAY payments through Internet Banking# or Redidial Telephone Banking are FREE.
External periodical payments set up and maintained by yourself via Internet Banking# are FREE . |
| Over the counter withdrawals |
| $2.00 per cash withdrawals under $25,000 |
Member Rewards entitles you to 3 FREE counter withdrawals per calendar month (under $25,000 per transaction).
Make larger, infrequent withdrawals rather than several smaller ones. |
| $50.00 per cash withdrawal $25,000 and over |
|
