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?
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?
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?
Where do I find information about any upcoming changes at Westforce?
Why does Westforce work with Westpac Bank?
Westpac also owns the ATM and EFTPOS connectors and we pay a fee to use them.
How can I open an account with Westforce?
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?
Where is my nearest branch?
What is my Membership Number?
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?
What fees will I be charged?
Why can’t I apply for all the Westforce products and services?
Can I deposit a cheque from overseas into my Westforce account?
Can I deposit money into my account through 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?
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?
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?
How do I register for Internet Banking Access?
How do I register for 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?
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?
Immediate action can help reduce any possible loss of funds.
How do I get a bank statement for my account?
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?
Lending T&C’s apply
Are Westforce’s loan fees low?
How is the loan interest charged?
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?
Do I need security to get a loan at Westforce?
What does p.a mean on my loan interest?
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?
How can I change my Debit Card PIN number?
A PIN change fee may apply.
How do I change my Debit Card PIN number if I cannot get to a branch?
What ATM’s will accept my Debit Card?
I’ve misplaced my Debit Card, what do I do?
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’?
How long does it take to receive my Debit Card?
Your PIN mailer will arrive shortly after that.
What is a PIN mailer?
1883 Great North Road
1883 Great North Road