Skip to content


  • I am heading overseas – any tips?

    • Let us know where you are heading and how long for using your Mobile Banking App or Internet Banking.
    • Organise some foreign currency you may need for your trip. You can buy foreign cash from 400 King William Street, Adelaide and over the phone and use your Credit Union SA Visa Debit Card overseas.
    • Memorise your PIN – this is the same PIN you use at home and is used in the same way at ATMs and in some countries, over-the-counter.
    • Check the expiry date on all of your cards and ensure they are valid for the duration of your trip.
    • Photocopy your Visa Debit Card and passport, but keep the photocopies separate as proof of information.
    • If you are unsure of the security of an ATM please don't use it. A Visa cash advance can be done at any financial institution that displays the VISA symbol. You will need to take your card and passport as proof of ID.
    • You can also turn international purchases off at any time using Internet Banking or your Mobile Banking App (for extra security). Plus, you can turn off domestic purchases and ATM withdrawals – which is a good idea if you’re travelling overseas.
    • For the latest travel updates and information, visit
  • How do I arrange for a direct credit?

    You need to provide the sending party with Credit Union SA's BSB 805-007 and your preferred Account Number and Account Name. Once you have done that, it’s up to the payer to set up transfers to your specified account.

  • How can I set up an automatic transfer?

    Auto transfers are a simple and easy way to make regular payments, providing you with full control over how and when those payments are made.

    They are regular transfers set up from your account to either a third party account, a BPAY biller, or another account of your own within Credit Union SA or at another financial institution. You can program the payments to occur weekly, fortnightly, monthly or quarterly for an indefinite or set number of occurrences. You have full control over how much is being sent, how often, to whom and when to stop the payments from being made.

  • How do I cancel a direct debit payment from my account?

    If you wish to stop a direct debit that you previously authorised for a third party supplier to deduct payments from your account, you can contact the supplier directly to request a cancellation or you can request us to contact the supplier and cancel the payment on your behalf. If you request us to stop the payment you must contact us at least five business days before the next payment is due and we recommend you also contact the supplier to avoid any fees that the supplier may charge you as a result of the direct debit being dishonoured. Refer to Section 20 of Deposit Accounts and Access Services Terms and Conditions.

  • What if the direct debit doesn’t go through or the wrong amount is debited?

    A direct debit is an arrangement that you make directly with the third party – authorising them to take money out of your account – so any disputes in relation to the direct debit needs to be discussed with them directly. Of course if you are having problems in getting it sorted out, we’d be happy to assist you.

  • I think I may have been caught by a scam, what should I do?

    Protecting our members' funds is of paramount importance to us and we are constantly developing and taking steps to keep it that way. If you suspect the security of your accounts may be compromised, do not hesitate to contact us on (08) 8202 7777 during business hours.

  • Do I need to register for the Mobile Banking App?

    When you download the app, you will be asked on your first access to setup your Mobile Banking App PIN number or identification pattern. You must be registered for Internet Banking and will need to use your Internet Banking Password to validate your identity.

    If you're not registered, visit our Internet Banking page, download and complete the Internet Banking application form, visit us at 400 King William Street, Adelaide, or call us on (08) 8202 7777.

    Download Mobile Banking App user guide

  • What is an Access Code?

    As a member of Credit Union SA you have access to a unique Access Code, which will enable us to verify your identity and ensure that it's only you who accesses your funds and personal information.

    Using your Access Code you are able to quickly:

    • Receive any information about account(s)
    • Check your balances and transactions
    • Open a new account
    • Advise us how you wish us to deal with a maturing Term Deposit
    • Change or cancel periodical payments
    • Rearrange existing payroll deduction authorities
    • Transfer funds between your accounts or to an external account
    • Stop payment on a cheque
    • Change any personal details.

    If you don't yet have an Access Code, you can download the form and return to one of our branches.

  • What is Eftpos?

    Eftpos is the service where you can make purchases by presenting your card and selecting ‘savings’ or ‘cheque’. Fees may apply to use this service so please refer to the fees applicable to your account. Check out these other ways you can use your card:

    • With your Visa Debit Card or Visa Credit Card, use payWave for purchases under $200. PayWave is a fast and easy way of paying for your purchases, plus you are covered by Visa’s Zero Liability policy for any purchase you make.
    • Need cash? Withdraw cash at the same time as making a purchase (at participating merchants) when paying for purchases with your debit card and save!
    • If you don't need cash, and have a Visa Debit Card or Visa Credit Card, you can select the credit option (where available) and this transaction will not attract a fee, regardless of which account you hold. Just remember that when you select the credit option, that sometimes it can take a few days for the transaction amount to debit your account.
    • Plus, with our Access Account55+ Account  and Home Loan Offset Account, you can use your card as much as you want, however you want, whenever you want for purchases both in Australia and overseas and you won’t pay any transaction costs.*

    *For full terms and conditions, please review our disclosure documents.

  • What is [email protected]?

    We’ve partnered with Australia Post to give you access to over 3,000 of their [email protected] outlets nation-wide.

    [email protected] works similarly to visiting us where you can;

    • Make cash deposits (of up to $3,000 per day)
    • Deposit cheques (of any amount)**
    • Withdraw cash (limit of $2,000 per day)

    All you need is your Credit Union SA Visa Debit Card along with your PIN and you’re ready to go!

    And the best thing is, you won’t be charged any transaction fees.*

    Just pop into any Australia Post outlet that displays the [email protected] sign.

    Find a [email protected] outlet

    If you have any questions about [email protected], visit us at 400 King William Street, Adelaide or call us on (08) 8202 7777 or send us a Secure Mail message through Internet Banking.

    *While no transaction fees are charged by us, a fee may be charged by other operators. This is general advice only and you should consider the terms and conditions before determining whether any of our products are suitable to your situation.

    **Cheques can take up to 7 business days to clear.

  • How can I view my eStatements?

    You can view your eStatements using your Mobile Banking App or Internet Banking.

    Mobile Banking App

    Go to ‘eStatements’ in the drop-down menu, then ‘View eStatements’ and choose from the list.

    Internet Banking

    Go to ‘Accounts’ on the top navigation bar, then ‘eStatements’ and choose from the list.

  • How do I update my contact details?

    It's important that you provide us with your current email address, mobile and home phone numbers and postal address, so we can continue to provide you with essential service and security information.

    You can update your details, by logging in to Internet Banking, just go to the Settings tab and select Contact Details to update. Or call us on (08) 8202 7777 and talk to one of our friendly Member Service Consultants – you'll need to quote your Access Code. Visit us at 400 King William Street, Adelaide to speak to a friendly Member Service Consultant and they will update your details.

  • How can I obtain a chequebook?

    At Credit Union SA we can provide you with a personalised book of either 30 or 100 cheques, and we'll automatically send you a replacement when there are only a few cheques left to present.

    Cheque books are available with the following Credit Union SA accounts:

    To organise a cheque book, visit us at 400 King William Street, Adelaide or call us on (08) 8202 7777.

  • How can I set up a direct debit?

    Direct debits allow you to have funds paid directly from any of your Credit Union SA accounts to an external source, such as your electricity bill. Contact your supplier to set up a direct debit.

    You need to supply your BSB, account number/member number and account name to the biller. Once you have done that, it’s up to them to set it up. It’s that easy! Once it is set up, the biller will provide you with a bill but instead of you having to make the payment by the due date, they will automatically take the authorised amount out of your account on the date.

  • How can I notify you about my overseas travel plans?

    You can notify us using your Mobile Banking App or Internet Banking.

    Mobile Banking App

    Select ‘Overseas Travel’ from the drop-down menu, then ‘Travel notifications’ and follow the prompts. 

    Internet Banking

    Select ‘Cards’ from the top navigation menu, then click ‘heading overseas’ and follow the prompts.

    Alternatively, you can call us on (08) 8202 7777 or visit us at 400 King William Street, Adelaide.

    We’ll then be able to make educated assessments as to the legitimacy of your financial transactions and notify you immediately if any suspicious activity takes place, whether abroad or locally.

  • What is a direct credit?

    When you have funds paid directly into any of your Credit Union SA accounts from an external source, this facility is called a ‘direct credit’. This could be your salary, for example, or a tax refund, share dividend, superannuation payment, social security payment or a pension. These funds are available as soon as they credit your account, providing you with instant access to your funds.

  • What are the benefits of using Visa payWave?

    Contactless payments are an innovative payment technology that makes small payments easy.

    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, and you can ask for a receipt every time you make a payWave payment if you require.

    You still have the option of using your Visa card the traditional way by swiping or inserting your card into a card reader and entering a PIN if you prefer.

    You also have the option to turn payWave off at any time using Internet Banking or your Mobile Banking App. It’s simple to do and puts you in control of the way your card works.

  • Is payWave as secure as my current card?

    Yes. The Visa security systems will continue to offer you protection from unauthorised transactions based on secure chip technology, which provides both data protection and transaction security using the latest encryption technology. In addition, with contactless technology, you retain control of your card during the transaction, which reduces the risk of fraud.

    However, you can turn payWave off at any time using Internet Banking or your Mobile Banking App. It’s simple to do and puts you in control of the way your card works.

  • 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.

  • I have recently lost a family member or friend, what banking arrangements do I need to undertake?

    If you have recently lost a family member or friend, we can help you with banking arrangements by guiding you through the things you need to do and supporting you, every step of the way.

    We can help you with everything from completing forms and closing accounts, to handling the release of money from the estate.

    View our step by step guide

  • Are Visa payWave transactions safe?

    Yes, they are. You are in control – your contactless card never leaves your hands to make a payment and you can be assured of no accidental payments and your contactless card must be extremely close to the reader to work.

    However, you can turn payWave off at any time using Internet Banking or your Mobile Banking App. It’s simple to do and puts you in control of the way your card works.

  • What is Visa payWave?

    Visa payWave is a globally accepted, contactless payment solution. It allows Visa cardholders to complete transactions under $200 without having to swipe or insert their 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.

    However, you can turn payWave off at any time using Internet Banking or your Mobile Banking App. It’s simple to do and puts you in control of the way your card works.

  • How do I setup an alert in Internet Banking or on the Mobile Banking App?

    You can setup an alert in Internet Banking or the Mobile Banking App to be notified when your account dips below a nominated amount or be alerted when your account has been credited a certain value.

    Just log in to Internet Banking and select the ‘Settings’ tab from the top of the screen then ‘Alerts’ from the drop down menu. Enter your Two-Factor Authentication if/when prompted. If you have not already nominated how and when you wish to receive your alerts complete the ‘Mobile No’ and ‘Email ID’ fields (if not already completed).

    Alternatively, using your Mobile Banking App, go to the left side menu and select 'Settings' and then ‘Alerts’ and turn on ‘Direct Credit Alert’ or ‘Direct Debit Alert’ and follow the prompts for your Accounts and Cards. You can add an alert for when your account goes above or below a certain limit and schedule a set ‘Balance Alert’. You can also be notified when a transaction has gone over a certain threshold.  This threshold is set by you, and can be applied to any Pay Wave, ATM withdrawals, Visa transaction and EFTPOS transactions.