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FAQs Access


  • I am heading overseas - any tips?

    • Let us know where you are heading and how long for
    • You should consider purchasing your travel insurance as soon as you book your flights and well before you travel
    • Organise some foreign currency you may need for your trip. You can buy foreign cash from any of our branches and over the phone, and we recommend a Cash Passport as a great card solution while you travel. 
    • 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 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.
    • For the latest travel updates and information, visit
  • 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. 

  • How do I arrange for a direct credit?

    You need to supply your BSB, account number/member number and account name to the sending party - for example your payroll department at work. Once you have done that, it’s up to them to set it up. 

  • 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.

  • 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 $100. 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 or 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 Accounts, 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.

  • 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 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 or call us on 8202 7777.

  • What is Tap and Pay?

    Essentially it is using your mobile phone as a bankcard.

    For those with Android devices you can make contactless purchases (using Near Field Communication) using your phone wherever Visa payWave is accepted (only available on devices with KitKat 4.4 or later).

    If you want to use the Tap and Pay facility but are unsure if your phone is compatible - this link provides an extensive list of every device that can enable Tap and Pay.

    If you are unsure what device you have, you can see if you have Near Field Communication (NFC) capacity by searching under your phone settings.

    If your device does have capacity, it will list NFC with a symbol similar to the 'payWave' symbol. Read more.

    To discover how to use all of the features on our Mobile App, refer to our User Guide. 

  • Why is Tap & Pay not available for iPhones?

    Tap & Pay has not been developed for iPhones as Apple Inc. has restricted payment technology on iPhones for use with Apple Pay only. We will continue to monitor this space.

  • 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 investment
    • 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.


  • 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 My Details tab and select Contact Details to update.

    Or call our Member Contact Centre  on 8202 7777 and talk to one of our friendly Member Service Consultants. You'll need to quote your Access Code.

    Visit your local branch, speak to a friendly Member Service Consultant and they will update your details for you.

  • What is Bank@Post?

    As a Credit Union SA member, you can withdraw or deposit funds from or into your nominated account at more than 3,000 Australia Post outlets nationwide. So if you’re out and about, need to transact and away from your local Credit Union SA branch, Bank@Post at an Australia Post outlet could save your day. Fees may apply to using this service so please refer to the fees applicable to your account.

  • 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 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 a local branch or call us on 8202 7777.

  • Can I split my direct credit?

    You can. It's easy to arrange for your regular direct credits to be split among multiple Credit Union SA accounts when you supply your member number as part of setting up your direct credit. For example, a certain amount could go to a home loan, some to a Netsave Account and the remainder to your Access Account. Just let us know what your requirements are. 

  • 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.


  • 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.

  • 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. 

  • 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. 

  • 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. 

  • What is Visa payWave?

    Visa payWave is a globally accepted, contactless payment solution. It allows Visa cardholders to complete transactions under $100 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. 

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