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Accessing Your Money

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Encompass Credit Union has a number of services to make accessing your money as simple as possible. Combine this convenience with Encompass Credit Union’s low fee policy and you have a banking package that can save you time and money.

Internet Banking

This account is great if you require 24 hour access to your funds but do not need a cheque book or debit card. We pass on the cost savings to you by offering a much higher rate of interest.

  • Transfer money between your accounts
  • Make payments to another individual or business
  • View interest earned or charged
Learn more about our Internet Banking

Ready Phone Banking

Discover the convenience of secure direct access to your account by phone, 24 hours a day, seven days a week.

  • Check your Savings, Loan and Term Deposit account balances
  • Pay bills using BPAY
  • Obtain loan information
Learn more about our Ready Phone Banking

Visa Debit Card

A Visa Debit works just like any other EFTPOS card, giving you the convenience and control of using your own money, to make purchases:

  • Online
  • Over the phone
  • Overseas
Learn more about our Encompass Visa Debit Card

Visa Credit Card

Join over 2,500 members that use our low-rate no frills credit card and receive a range of benefits from Encompass! The Encompass Visa Credit Card can be used to access both your savings account or credit facility.

  • Highly competitive interest rate
  • Award-winning value
  • Worldwide access
Learn More About our Visa Credit Card

BPAY and BPAY View

With BPAY and BPAY View you can pay all those tiresome bills in one hit over the phone or via the Internet around the clock, 365 days a year. Easier. Faster. Better.

  • BPAY over the internet
  • BPAY view
Learn More About BPAY and BPAY View

Direct Debit / Credit

Have payments directly debited from or credited to your account. A simple way to pay bills or transfer money.

  • Utility bills
  • Loan repayments
  • Salary
Learn More About Direct Debit and Direct Credit Services


Bank@Post is Australia Post's personal banking service. With facilities at over 3,100 Australia Post outlets around the nation you can withdraw and deposit funds, and plenty more.

  • Deposits and withdrawal on your savings account
  • Obtain account balances
  • Make payments on your your loan with Encompass
Learn More About Bank@Post


An easy way for you to access your account statements 24/7 and do your bit for the environment. E-statements enable you to view your statements online through a secure Encompass E-statement system instead of receiving paper statements via mail.

  • Quick and secure access to your records
  • A better solution for your office filing
  • A great resource at tax time
Learn More About eStatements

Foreign Currency Services

If you are travelling overseas either for work or for leisure purposes, Cash Passport is the ideal way to carry your travel spending money.

  • Over 29 million MasterCard retailers globally
  • 1.9 million MasterCard ATMs worldwide
  • Chip & PIN protected for enhanced security and worldwide acceptance
Learn More About Our Foreign Currency Services


Looking for an ATM near you? Use the ATM Locator at to find the nearest rediATM.

  • Over 3,000 ATMs, rediATM is one of Australia's largest ATM networks and has provided ATM access since the early 1980s
Learn More About Our Foreign Currency Services

Other Facilities

Learn more about Branch Deposits and Withdrawals, Payroll Deductions and Periodical Payments.

  • Periodical Payments
  • Branch Deposits and Withdrawals
  • Payroll Deductions


If you have any questions, please contact us Enquire about Encompass products and Services

Financial Planning

Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Terms and Conditions and Financial Services Guide before acquiring the product.
Encompass Credit Union Ltd is authorised under The Banking Act to conduct banking business.
© 2014 Encompass Credit Union Ltd | ABN 43 087 650 011 | AFSL and Australian Credit Licence Number 238 426 | BSB 802 184

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