Frequently Asked Questions

If you’re still unsure, take a look at the frequently asked questions about our services and products.


What is Westforce Credit Union?
Westforce Credit Union is a not for profit cooperative society.

In simple terms, a credit union is a group of people, held together by a common bond, who pool their savings and make loans to one another from these savings at low rates of interest.

Here at Westforce, we offer a range of banking, savings and lending services.

What are your opening hours?
Westforce’s normal business hours are as follows:
Branches: Monday 10:30am – 4:30pm Tuesday – Friday 9:00am – 4:30pm
Phones: Monday 10:30am – 4:45pm Tuesday – Friday 8:45am – 4:45pm Saturday 9:00am – 12:00pm
How can I be assisted outside of your opening hours?
If you contact us by phone or email outside of our normal business hours, we will endeavour to get back to you within one business day.
Where do I find information about any upcoming changes at Westforce?
All information about any upcoming changes can be found on our website, our Facebook and Instagram changes, on the TV displays in the branches or by contacting our Member Service Team.
Why does Westforce work with Westpac Bank?
Westpac owns the bank account numbers that we assign to members accounts and we lease them from Westpac.

Westpac also owns the ATM and EFTPOS connectors and we pay a fee to use them.


How can I open an account with Westforce?
Visit one of our branches along with valid identification and speak to our friendly Member Services Team.

Accounts are opened on the spot and ready for use immediately.

If you are struggling with getting valid identification, we may still be able to help you.

How much does it cost to open an account?
There is no Account Opening Fee or deposit required to open an account with Westforce.
Where is my nearest branch?
We currently have branches in Avondale, Whangarei, Papakura, Pukekohe and Royal Oak. For more information on our locations click here.
What is my Membership Number?
Your Membership Number, also known as a client number, is a number specifically allocated to you when you open your account with Westforce. It can be found in the top right-hand corner of your Account Statements.

If you’re still unsure about your Membership Number, give us a call, visit one of our branches or send us an email for assistance.

Is my account safe?
At Westforce Credit Union, we take account security very seriously. We maintain strict security policies and processes to ensure that your account is kept secure.
What fees will I be charged?
Transactions and loans do have fees applied to them. To see our current Fee Schedule, click here.
Why can’t I apply for all the Westforce products and services?
If Westforce opened your account with insufficient identification, you will not have access to all the products and services until you have provided us with sufficient identification.


Can I deposit a cheque from overseas into my Westforce account?
We are not able to deposit overseas cheques into your Westforce account. If you are planning on receiving money from overseas, see if you can have the funds transferred directly into your account.
Can I deposit money into my account through a Westpac branch?
Yes, if you have your full Westforce bank account number you can deposit money at a Westpac branch.

Please contact our Member Service Team if you encounter any issues with making your deposit.

What is a Resident Withholding Tax Certificate?
This certificate shows the Resident Withholding Tax (RWT) that you have paid on all interest-bearing savings accounts for the date stated on the certificate. For more information, visit

Ensure we have your IRD number on file to avoid paying a high Non-Declared rate.

How long does it take for money transfers to be processed?
Internal transfers between Westforce accounts are processed immediately every day of the week.

Incoming and outgoing transfers to external bank accounts are processed at regular intervals during weekdays only.
– Payments made during the week can show up in a few hours
– Dependant on the other account provider.
– Payments made during the weekend will be processed at on the next business day.

I don’t want a Debit Card, but I need cash. What are my options?
You can withdrawal cash from your account at one of our branches or use your Internet Banking or Mobile App to transfer funds to another Westforce account, or an external bank account.
How do I register for Internet Banking Access?
Give us a call or visit one of our branches and, if you’re eligible for access, our Member Service Team will get you set up on the spot.
How do I register for the Mobile Banking App?
Once you’re registered for Internet Banking, you can use your log in details to access the Mobile Banking App.

Simply search for ‘Westforce’ in the App Store or Google Play Store, download the app, and you’re ready to go!

I can’t access my account, what should I do?
Give us a call, pop into one of our branches or send us an email and one of our Member Service Team will be able to assist you.

If you contact us outside of our normal business hours, we will endeavour to get back to you within one business day.

I have noticed suspicious activity on my account, who should I contact?
If you notice any suspicious activity on your account, contact us immediately.

Immediate action can help reduce any possible loss of funds.

How do I get a bank statement for my account?
Bank statements for all savings and loan accounts are automatically generated at the end of every month. These statements are then made available to you via Internet Banking.

If you require a statement for a specific time frame, you can generate a statement yourself via Internet Banking. Alternatively, give us a call or visit one of our branches, and our Member Service Team will be able to provide you with the statement you require.


What is a loan using your Premier Savings as security?
More commonly known as Premier Loans, you may be eligible to borrow up to the value of your Premier Savings. These loans are fast and easy, with low fees and affordable interest rates and are only available to existing members.
Lending T&C’s apply
Are Westforce’s loan fees low?
Westforce believes that we have the lowest loan fees in the market place. We challenge you to find someone who’s loan fees are lower.
How is the loan interest charged?
Loan interest is charged on a reducing loan balance and the total amount of interest paid is based on the term of your loan.

This means, the quicker you pay your loan off, the less interest you will pay. For example, if your loan term is 36 months, and you pay your loan off in one month, you will only pay one months’ worth of interest.

Can I get a loan at Westforce if I have bad credit?
Every loan application is assessed on a case by case basis. Our aim is to find a solution for you, no matter what your financial situation is.
Do I need security to get a loan at Westforce?
Westforce has a suite of loan products with differing security requirements. Because each application is assessed on a case by case basis, we will discuss with you the security options for the loan you are applying for.
What does p.a mean on my loan interest?
P.A means Per Annum – or per year.

Please don’t be tricked by those predatory lenders that say their interest rate is 10%. If you read the small print, you’ll find that rate could be per month. This means you will pay 120% p.a in loan interest.


How much does a Debit Card cost?
The fee for your first Debit Card is $20.00
The fee for a replacement Debit Card is $20.00
Transaction fees applied to the use of your Debit Card can be found on our Fee Schedule here.
Why am I charged for every Debit Card transaction?
Because Westforce uses Westpac and Mastercard’s card connections and they charge us to use these connections, we then must pass the charges on to the member’s who use the services.
How can I change my Debit Card PIN number?
If you have not received your PIN mailer or you wish to change the PIN on your Debit Card, visit one of our branches with your ID and our Member Service Team will be able to organise a PIN change.
A PIN change fee may apply.
How do I change my Debit Card PIN number if I cannot get to a branch?
Give our Member Service Team a call to discuss the options available to change your PIN if you are not able to get to one of our branches.
What ATM’s will accept my Debit Card?
Your Debit Card will be accepted in any ATM that accepts Mastercard, anywhere in the world.
I’ve misplaced my Debit Card, what do I do?
Contact Westforce immediately if your card is lost, stolen or if you do not recognise a transaction made on your account.

Our Member Service Team will assist you with the cancellation of your misplaced card, order you a new card and guide you through the Transaction Dispute Process.

Lost or stolen cards can be reported outside of our normal business hours by calling 09 828-8285.

Can I opt out of ‘PayPass’?
The PayPass function is a default setting for all Westforce Debit Cards and is not able to be disabled.
How long does it take to receive my Debit Card?
Your Debit Card will arrive at your postal address within 3-7 business days.
Your PIN mailer will arrive shortly after that.
What is a PIN mailer?
A PIN mailer is a generated secured letter that contains your Debit Card PIN number. This letter is sent to you shortly after your Debit Card is sent and can be used in an ATM to activate your Debit Card.
Products and Services
Registered Office

1883 Great North Road 
New Zealand

Our Branches

Royal Oak

Get the App
Products and Services
Registered Office

1883 Great North Road 
New Zealand

Our Branches

Royal Oak

Get the Mobile Banking App

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