Cheque Access Brochure

Cairns Penny Savings & Loans Limited
68 087 933 757
AFS Licence No. 244324
CA01

How to Contact Us

If you have any questions or need more information, please contact us by:

Mail: Cairns Penny Savings & Loans
PO Box 5272
Cairns QLD 4870

Phone: (07) 40314460
Fax: (07) 40313736

Email: info@cairnspenny.com.au
Website: www.cairnspenny.com.au

Member Cheque Scheme

This brochure provides information about the Member Cheque Scheme that all adult members of Cairns Penny Savings & Loans, who are 18 years or over, have access to, after acquiring an Access Plus Account or a Business Cheque Account. This will help you make an informed decision on whether to acquire the non-cash payment products. This brochure includes a Product Summary.

You should also refer to our:

* A Fees & Charges Brochure setting out costs related to each product; and
* An Interest Rate Brochure listing current interest rates for savings accounts and investment products

Member Services Guide

For information on our full range of products and services, see our Member Services Guide. Details on our rules, constitution and how to join are available on request.

Member Care Statement

Please read this brochure carefully. Always retain a copy of all brochures for future reference. Each relevant provision of the Credit Union Code of Practice will apply.

How to apply

If you are interested in applying please complete an application form available from our Branch.

Product	Significant Features	Significant Benefits	Significant Risks	Costs
Access Plus Account	Enables you to have cheque book access to your account.	A member cheque book can be linked to an agreed account. Can have more than one cheque book per membership.	You will need to ensure that you have sufficient funds in your Cairns Penny Savings & Loans account for the member cheque to be processed. Most deposited cheques take three working days for funds to become available. A member cheque must be presented within 15 months of being written.	Dishonour fee applies if insufficient funds to make the payment. Cheque Book fees apply. See Fees and Charges Brochure.
Business Cheque Account	Enables businesses to have cheque book access to an account. Overdraft facility available to approved applicants only, terms and conditions apply.	A member cheque book can be linked to an agreed account. Can have more than one cheque book per membership.	You will need to ensure that you have sufficient funds or available credit in your Cairns Penny Savings & Loans account for the member cheque to be processed. Most deposited cheques take three working days for funds to become available. A member cheque must be presented within 15 months of being written.	Dishonour fee applies if insufficient funds to make the payment. Cheque Book fees apply. See Fees and Charges Brochure.