Withdrawing Funds

Withdrawal options

• Visa Debit Card

  Visa Debit gives you the benefits of a credit card while spending your own money.

   

  EFTPOS, ATMs and Bank@Post

  Access:

  • Access your funds using EFTPOS when you make a purchase in-store, at ATMs Australia-wide and with Bank@Post through Australia Post.

  • As a Bank First Member you can use any of the four major bank ATMs across Australia without paying a fee. To avoid paying any fees when using another bank's ATM, follow the prompts on the ATM screen carefully. You have time to stop the transaction before paying a fee.

  Daily limit:

  • The daily EFTPOS limit is $1,020 per card, including any fees and charges. This is accessed by using the 'savings' or 'cheque' functionality, and includes ATM and Bank@Post transactions.

  • For EFTPOS transactions that are larger than the daily limit, please contact us.

  • For external payments, a maximum Member daily limit of $22,000 applies, with sub-limits also applicable. Learn more.

   

  VISA and payWave

  • Visa Transactions allow you to access your available funds in your account.

  • Visa Transactions can be accessed by using the 'Credit' or 'Visa Debit' functionality. This includes online purchases, payWave and over the phone purchases.

   

  Card PIN

  • Changes to your Card PIN can be made via Internet Banking or our Bank First App.

• Visa Platinum and Visa Classic Credit Cards

  Our Visa Platinum and Visa Classic Credit Cards lets you access your money anytime, anywhere, from almost any location in Australia and over 24 million places worldwide. Use your Card:

  • Wherever the Visa logo is displayed.

  • At EFTPOS terminals (by pressing 'credit').

  • At contactless EFTPOS terminals (payWave) for transactions up to $100.

  • At ATM terminals where the Visa logo is displayed.

  • Over the phone to pay bills or to make purchases.

  • Via the internet to make purchases.

  • Using BPAY or BPAY View to pay bills online.

  Card PIN:

  • Changes to your Card PIN can be made via Internet Banking or our Bank First App.

• Internet Banking

  With Internet Banking you can access your funds remotely and safely, when you need them. You have 24/7 access to:

  • Make internal transfers between your accounts.

  • Make external transfers, including 24/7 real-time payments with NPP transactions and Osko.

  • Pay your bills via BPAY and register for BPAY View.

  Learn more about Internet Banking.

   

  A maximum Member daily limit of $22,000 applies for external payments, with the following sub-limits also applicable:

  Type of transfer	Daily Limits (per Member)
  Standard External Transfers	$5,000.00
  OSKO	$5,000.00
  BPAY	$10,000.00
  International Online Transfers	$2,000.00

  The maximum Member daily limit of $22,000 is irrespective of the number of Authorised signatories to an account.

  Loan redraw is captured by the above sub-limits.

   

• Bank First App

  With the Bank First App you can access your funds remotely and safely, when you need them. You have 24/7 access to:
  
  Ways to transfer funds and pay:

  • Make internal transfers between your accounts.

  • Make external transfers, including 24/7 real-time payments with NPP transactions and Osko. 

  • You can send and receive NPP transactions through a registered PayID which can be in the form of a BSB and account number, mobile number, email address, ABN or Organisation ID.

  • Pay your bills via BPAY and register for BPAY View.

   

  Daily transfer limits apply as follows:

  A maximum Member daily limit of $22,000 applies for external payments, with the following sub-limits also applicable:

  Type of transfer	Daily Limits (per Member)
  Standard External Transfers	$5,000.00
  OSKO	$5,000.00
  BPAY	$10,000.00
  International Online Transfers	$2,000.00

  The maximum Member daily limit of $22,000 is irrespective of the number of Authorised signatories to an account.

  Loan redraw is captured by the above sub-limits.

   

  Manage your account:

  • Obtain yearly interest earned details for taxation purposes (for current and previous financial year only).

  • Redraw funds available under any redraw facility on your loan where redraw has been activated.

  • Edit/delete BPAY Biller, External Funds Transfer and NPP payee details.

  • Change the payment frequency for future dated payments.

  • View, modify or delete future dated payments.

• Branches

  Our Hawthorn East and Moonee Ponds branches offer a full range of banking services, including deposits and withdrawals. Our friendly staff are always on hand to help.