Reducing Fees & Charges
Service & Fee Payable
How to Reduce/Avoid Fees
ATM
At cost (charged by the ATM owner at the time of the transaction).
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.
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.
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.
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).
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.
Unlimited Free balance enquiries at rediATM’s.
Counter Cheques and Member Cheques
$3.00 per counter cheque
$1.00 for each Member cheque.
$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.
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
$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.
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)
(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.
Normal ATM and EFTPOS fees apply.
Over the counter withdrawals
$2.00 per cash withdrawals under $25,000
$50.00 per cash withdrawal $25,000 and over
$2.00 per cash withdrawals under $25,000
$50.00 per cash withdrawal $25,000 and over
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.
Make larger, infrequent withdrawals rather than several smaller ones.
