People’s Choice Credit Union Zip Account

Credit your account with your monthly salary and enjoy fee free banking with multiple modes of accessing your cash.

The Zip Account gives you quick access to your money through a number of methods, including online, with your phone, and with a Visa debit card. You can avoid having to pay any fees for these services by meeting a deposit requirement each month. Your free transactions will even include banking face to face at your local People’s Choice Credit Union branch and the option to link a chequebook or overdraft facility to your account.

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Fee Free Deposit


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NamePeople's Choice Credit Union Zip Account
Monthly account fee$6
Card accessVisa
ATM Withdrawal Fee$0
International ATM Fee$5 + 3%
International transaction fee3%
Monthly deposit required to waive account fee$2,000
Contactless PaymentsGoogle Pay, Apple Pay, Samsung Pay

Key features

Monthly account keeping fee can be waived

The monthly administration fee for this account is $6, yet this can be waived if you are able to credit at least $2,000 or you have a home loan with People's Choice and do not opt to receive to paper statements.

Fee free transactions

You are allowed unlimited access to the following transaction methods without incurring any fees; deposits, withdrawals at a branch or at Bank@Post, BPAY, transfers made online or on the phone, rediATM and EFTPOS withdrawals, and Visa debit card purchases.

How to apply

There are no employment requirements to meet, and membership is not limited to one region of Australia, but you will be asked to pay $2 for your share of the financial institution.


  • Minimum age. With this account you must be at least 25 years of age but not older than 54 in order to be eligible.
  • Residency requirements. Australian residents may apply so long as you are able to provide an Australian residential address. Foreigners with a work visa must be able to show this visa along with their foreign passport.

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