Not just this bank but all banks as far as interest on principal is concerned. All my life I have paid interest on mortgages ect at rates far in excees of interest rates now. Now when I need to live on my interest on my term deposits I can't. The Reserve Bank is bowing to pressure from Government and the new generations coming through to support their high-end like styles and bugger the rest. All this 'must have now' attitude is killing this country. We had to scrimp and save to buy things that the generation now are not prepared to wait and save for. Way things are going it is making it so easy for countries like Chine to come in and take over our country without the majority of people realising it. As hard as it was liveing through the higher interest rate periods I still think I and oy=thers of my age lived through the best of times and i feel sorry for the people who will wake up with huge debts when interest rates eventuall go up again albeit though not in my life time. So I dislike all the major banks as they are the main cause of our prblems now.
Getting through to someone for any queries is easy and hassle free.
I don't have any fees! My money is safe. Peace of mind! I can pay anyone anywhere at any time! Naturally interest rates are not good but not good anywhere else, either!
The products are ok but not outstanding. I don't like the shortened opening hours/days for the physical branches. It is also frustrating that all branches are not open for all types of banking. Online banking is not user friendly for pmoney transfers as it mandates a 3rd party app to be able to make or schedule payments to another person. Also that 3rd party app is only for one member number. If you have two memberships you cannot use the same device eg mobile phone to transfer money to another person.
Excellent staff, very helpful to seniors, explaining what we need to know, if problems they get onto it straight away.
Low interest rate, great customer service!
This bank seems to genuinely care about its customers and every time I've visited the branch the employees always try their best to help. No matter what the problem is, it's never my problem, it's our problem and we work it out together. The only con is that there aren't many ATMs or branches around, so it can be inconvenient to get cash out or deposit cash.
I like this credit union as it has competitive personal loan rates. Even better rates if you spend over 20G on a new car! Is easily accessible in NT and SA, not so good in other states! I make higher payments regularly which enables me to redraw funds when times are tight! The customer service is very efficient and effective.
I have only been with People's Choice for a 18 months. The policy looks good and reads well but I have been fortunate not to make a claim. I can walk to the Credit Union and talk to someone straight away which is great. My previous insurer was by phone or website which was difficult as I don't always understand the accent. I prefer to go to an office and have face to face customer service as that is reassuring.
All well and good when you are putting a wage in every week or fortnight, but when you are only having a pension put in all of a sudden there is not much in the way of loans, overdrafts etc available.
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