Helping you towards better banking.
If you’re still using the People’s Choice Internet Banking or Mobile App, you can continue to find the support information you need here. This page is available to help answer your questions and guide you while you transition to the People First Bank App.
Start using the People First Bank App today
We've made it easy for you. Simply download the People First Bank App from the App Store or Google Play and follow the prompts.
- 24/7 access
- Fast and easy payments
- Quick balance
- Simple card activation and management
- Set up recurring repayments
- Locate a branch or ATM
People's Choice Internet Banking FAQs
A transaction is considered an uncleared transaction when the amount is not available for use. The transaction is reflected in the 'Available Balance' section of an account. The total value of uncleared transactions can be made up of:
- Pending debits such as VISA/Paywave, where the debit has occurred, but the funds haven’t been debited from the account
- Pending credits such as Visa refunds
- Cheque deposits that haven’t been cleared
- Holds placed on funds by People’s Choice for a specific reason, such as suspected fraud or an amount reserved for a significant purchase, e.g. a home
Please note: Uncleared credits will not update the Available or Current Balance.
The clearing of an uncleared transaction will vary depending on the type.
No, however, you can increase your Internet Banking limit by calling us on 13 11 82 or by visiting one of our branches.
If you can't remember your password you can:
- Call us on 13 11 82. For security reasons our we’ll do an identity check before releasing your new password.
- Visiting one of our branches. For security reasons you’ll need to present photo identification before a new password is released.
Travel Advice is being removed from our Internet Banking page. If you are travelling overseas, please notify us before you travel by:
- 1. Sending us a Secure Mail via Internet Banking, or
- 2. Calling us on 13 11 82, or
- Visiting a branch.
This is important for your security and your access to your accounts.
We’ve simplified the process and now only ask for the information required by the receiving country, so you don’t need to fill out unnecessary fields in the ‘International Transfers’ section inside Internet Banking.
- Simply begin with selecting the country you’re wanting to send the money to
- Next, the form will display only the fields of information required for that particular country
- Go through the required fields and click ‘send’
If you prefer the previous version of the International Money Transfers form with all fields, simply click ‘Manual’ in the ‘To Bank section.
Note: this will not be available on People First Bank App.
Once logged in to Internet Banking, ‘Accounts’ tab from the top of the screen and ‘Balances’ from the slide-out menu. Click in the Account pane of the Account you wish to view transactions. Alternatively select ‘Transaction History’ from the slide-out menu from the ‘Accounts’ tab. The account with the smallest account number will be displayed by default. To view the transactions of a different account, select the arrow of the dropdown menu and make a different selection.
To modify the Transaction search criteria, or to see greater than the last 14 days of transactions, click on the magnifying glass icon located under the account details panel on the right.
To download the transactions into XLS, CSV, QIF or QFX format or to print the transactions, click on the downward arrow at the end of the transactions, then select from the options displayed.
Daily limits are in place. If you need to transfer an amount that exceeds the daily limit, you will need to ensure that relevant accountholders have authorised a temporary increase to daily limit amounts by contacting our National Contact Centre on 13 11 82 or in Branch.
Once logged in to Internet Banking, select the ‘Transfer/Pay’ tab from the top of the screen and ‘BPAY’ from the slide-out menu. Complete a Second Tier Authentication when prompted (A Second Tier Authentication is only required once per Internet Banking Session). Select which account you wish to debit from the drop down menu. You can change your default debit account by selecting the ’Settings’ tab and ‘General Settings’ from the slide-out menu.
To pay an account from a previous BPAY biller, select the relevant biller from the Payees list on the right hand of the screen and enter the amount you wish to pay. To find your previous Biller easily, you can sort your billers by the Biller Name, Description or the last payment date. You can also search for a previous biller by selecting the “Search” icon with the magnifying button and typing in your search criteria.
Complete the remaining fields by entering the amount you wish to pay. Ensure the Customer Reference Number is correct, as some billers change this number for each bill. Ensure that ‘Update billers’ is ticked if you would like to save this biller’s information in the Payees List on the right hand side of the page.
Click the ‘Create Payment’ button to proceed with the BPAY. Confirm the details on the screen, and when correct click ‘Confirm’ to finalise the payment or click the ‘Edit Payment’ link to modify the payment details. You will receive an email confirmation if you have this option turned on.
Some recent browser updates mean that you may now be prompted to save your Internet Banking password when logging on to Internet Banking.
If you have saved your Internet Banking password and would like to clear your saved password data, or disable the feature completely, you can do this through your browser settings.
For security reasons, we recommend you never use this feature to store your Internet Banking password. This is of particular importance when using a public or shared computer as someone else could access your personal information without your knowledge.
If you need help accessing your browser settings we've provided links to the main browser websites below. Please note that in some cases your browser version may be different from that in the links and you may need to search the relevant site for more specific instructions.
Once logged in to Internet Banking, select the ‘Transfer/Pay’ tab from the top of the screen and then click ‘Transfer’ from the slide-out menu. Select the accounts you wish to transfer between and enter the amount you wish to transfer. The ‘Reference’ is a personal description of your transfer and will appear on your statement.
You can also access quick transfer from the account ellipsis.
To set up a regular transfer or schedule the transfer for a future date, select the ‘Schedule Payment’ option and select the date of your first transfer, the frequency from the drop down list and the number of transfers you wish to make, or select ‘Ongoing’ for ongoing payments. Enter the amount you wish to transfer. Click ‘Create Transfer’ or ‘Set Schedule’ to process or schedule the transfer. Confirm the details of the transaction and click the ‘Confirm’ button if correct or the ‘Edit Payment’ link if you wish to modify the payment details.
If you don't log in to Internet Banking for 180 days or more, your password will be made inactive for security reasons. To reset your password you can:
- Call us on 13 11 82. For security reasons we’ll do an identity check before releasing your new password.
- Visit one of our branches. For security reasons you’ll need to present photo identification before a new password is released.
You can also download and start using the new People First Bank App, which provides secure, easy access to your accounts.
Once logged in to Internet Banking, select the ‘Transfer/Pay’ tab from the top of the screen and ‘BPAY’ from the slide-out menu. Complete a Second Tier Authentication when prompted (a Second Tier Authentication is only required once per Internet Banking Session). Then select the ‘Schedule Payment’ link at the bottom of the page which will display the scheduled payment required fields. Select the date of your first payment, the frequency of the payments from the drop down list and the number of payments you wish to make or click ‘Ongoing’ for ongoing payments.
Click on the ‘Set Schedule’ button to proceed, the payment details will be displayed. Verify the payment details and click the ‘Confirm’ button if they are correct or the ‘Edit Payment’ link if you wish to modify the payment details. You will receive an email confirmation if you have this option turned on. To view and manage your scheduled transfers and BPAY select the ‘Transfer/Pay’ tab from the top of the screen and ‘Edit Scheduled Transfers and BPAYs’ from the slide-out menu.
Yes, by selecting ‘Settings’ from the main menu, then ‘Update Account Name’ from the slide out menu, and entering the personalised name next to the Account number you want to change. Only eligible account types can be updated.
Once the payment has been initiated by an account holder, all other account holders who are required to approve the payment will have 5 calendar days to do so. Otherwise, the pending payment will expire.
Internet Banking offers you access to your accounts online, 24 hours a day. It is allows you to choose your own banking hours to carry out the following features:
- Activate your card
- View your account balances
- View transaction history
- View uncleared transactions such as pending debits and cheque deposit holds
- Make payments using BPAY®
- Transfer funds to accounts within Australia using Fast Payments
- Schedule payments
- Make International Transfers
- Order Foreign Cash
- Apply for loans, credit cards and check payroll details
- Open and close accounts
- Set up email alerts, manage your personal details and more
You can also register for:
- eStatements
A message will appear on your welcome screen as soon as you log in to Internet Banking, advising the last time you've logged in. If this is incorrect, please contact us on 13 11 82. You can also check your login history at any time by selecting ‘Services’ from the main menu, then ‘Session History’ from the slide out menu.
People's Choice Mobile Banking FAQs
The current Internet Banking daily limits for transferring money to your own accounts, other memberships at People's Choice Credit Union, other financial institutions or paying bills using BPAY® apply to Smartphone Banking, so any transfers and BPAY® payments made will be included in the daily Internet Banking limit totals.
Yes, a card can be added to Apple Pay on up to nine different devices but the card will need to be added to each device separately.
Yes, up to eight cards can be added to Apple Pay on a single device. The first card added to the device will become the default card, but you can change the default card.
To find your BSB number, log in to Internet Banking or our Mobile Banking App. Your BSB will appear in the top right-hand corner in Internet Banking or the top left-hand corner in the App, after you click the three bars.
To find your Account Number, select Accounts from the menu. Your accounts will be listed below with the account type followed by Acc with a list of numbers. These numbers are your account number. Please make sure your account number is entered without any zeros at the front.
Your Account Name is usually your name.
To change your pin, simply follow these steps:
- Sign in to your People’s Choice Mobile App
- Go to card management
- Tap the card you would like to change the pin for
- Select Change Card PIN
- Enter and confirm the new PIN
- Tap Change.
No, it does not cost you anything extra to use Apple Pay.
The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions.
You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.
Click on ‘Settings & Terms’ in the left-hand menu to display the list of options. If ‘Touch ID’ is not displayed check a fingerprint(s) has been registered in the iPhone settings. The App ‘Touch ID’ option is only visible if a fingerprint(s) has been registered in the iphone settings.
Currently only the iPhone App supports Touch ID authentication on models iPhone 5S, iPhone 6, iPhone 6Plus. We may review our service offering as more devices make this feature available and meet our security standards.
Apple Pay transaction under $100 can be made by holding the device up to the contactless reader and authorizing payment using Touch ID, the device passcode or double-clicking the side button on Apple Watch.
For transaction over $100 you might be asked to enter your card PIN in to the retailer’s terminal.
You should contact us straight away on 13 11 82 so the lost or stolen card can be cancelled and no further purchases made. You should also remove the lost or stolen card from the Wallet app.
When the replacement card is issued you will have to add this to Apple Pay.
iPhone and Android: Tap the logout button in the top right hand corner of the screen.
Accessing via Browser: Select 'More Options' in the top menu bar, then select 'Logout'.
If you press the Home button when logged into the app your session will remain active for 90 seconds.
To register a different member number to a device that has already been registered you need to:
Android and iPhone App: Select Forgot PIN from the left hand slide-out menu. The device registration page will be displayed for you to register a different member, or if you are logged in select ‘Devices’ from the main menu accessible via the hamburger icon in the top left of the screen. Your registered devices will be displayed with the active device highlighted. Select the active device and delete it.
Accessing via Browser: Clear your Browsers cookies/cache.
Mobile Banking is a feature of Internet Banking and provides quick and easy access to your accounts and common transactions on your mobile device. Internet Banking is a practical way to access full banking services from your computer, tablet or smartphone
With Mobile Banking you can:
- Check your account balance via Quick Balance - without logging in
- View your transaction history and access eStatements
- Transfer money to other financial institutions via Osko
- Make a payment to anyone using their PayID (mobile, email or BSB/Account). For more information, visit the Fast Payment FAQ’s
- Pay a bill using BPAY®
- View and edit your scheduled transfers
- Share your account details with your friends and family members easily via social platforms
- Personalise your account names
- Provide App feedback
- Locate your nearest branch or contact us
- Create your own PayID for Fast Payments
To use Mobile Banking you must have registered for Internet Banking and have a mobile device that includes internet access. To register for Internet Banking please call us on 13 11 82 or drop into your local branch.
You can access Mobile Banking using an Android or iPhone app which can be downloaded from the Google Play store or iTunes App store by searching 'People's Choice Credit Union’. You will need to ensure your mobile device is running a supported version of the Operating system before using the App :
- Android - 6.0 and above
- iPhone – 12.0 and above
Windows and Blackberry phones can also be used to access Mobile Banking.
Visit Mobile Banking for more information.
With an Apple Watch you double-click the side button and hold the display up to the contactless reader to authorize a payment.
Please note: the Apple Watch NFC feature has to be activated before Apple Pay will work. When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects that skin contact has been lost and Apple Pay and the NFC feature are deactivated.
You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card.
If the retailer is able to refund the device used to make the original purchase, you:
- Select the card they want to be refunded within the Wallet app
- Hold the device above or near the contactless reader and authorize the refund using Touch ID, Facial Recognition or the device passcode; or
- Hold the Apple Watch display up to the contactless reader and double-click the side button to authorize the refund
You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by opening the Wallet App and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.
Adding a card to Apple Pay is different depending upon device:
iPhone 6 (or later models)
Open the Wallet app
Tap the + in the upper right corner
Add the card details by either:
- Entering the card’s security code to add the credit or debit card you use with iTunes
- Using the camera to capture the card information
- Typing the card details in manually
Apple Watch
Open the Apple Watch app on your iPhone
Tap Wallet & Apple Pay and then Add a new eligible contactless card
Add the card details by either:
- Entering the card’s security code to add with iTunes
- Using the camera to capture the card information
- Typing the card details in manually
iPad
Go to Settings
Tap Wallet & Apple Pay and then Add eligible contactless card
Add the card details by either:
- Entering the card’s security code to add with iTunes
- Using the camera to capture the card information
- Typing the card details in manually
On most phones you can adjust the screen size to suit. Most phones have a menu screen which will enable you to change the view of your phone from 'slim' to 'widescreen' view for example.
Helpful guides and tips

Say hello to People First Bank
We're glad you've transitioned to People First Bank. Get ready for a smooth, secure and connected banking experience.

Digital Banking
Register and get how-to guides and tips on using the People First Bank App and Online Banking.

The People First Bank App
Track and manage your money on the go and apply for new accounts, easily and securely.

Digital Wallet payments
Make simple, safe and secure payments using your Digital Wallet.
Need more help?
Still have questions? You can contact us online, call our 24/7 team on 13 11 82, or visit your nearest branch.
We’ll help you get started with the People First Bank App.
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