Personal Cheques

Police Credit’s personal cheque service allows you to issue personal cheques as an alternative to using cash when paying accounts. Enjoy the ease and convenience of writing your own cheques with a personal cheque book linked to your nominated Police Credit savings account. Police Credit’s personal cheque service has the following benefits:

 Cheque books are re-ordered automatically

 Earn interest on your savings

Tips for writing your own cheques

When writing cheques you should take care to:

 Cross the cheque and write the words ‘Not negotiable’ (This will reduce the risk of fraud)

 Write the amount to be paid in by words and figures and do not leave any space between the words or figures

 Write the amount in words as close to the left hand margin of the cheque as possible and the amount in figures as close to the dollar sign as possible

 Write cheques in ink which cannot be rubbed out or altered

 You should tell us as soon as you know or suspect that one or more of your cheque forms has been lost or stolen, or if unauthorised use has occurred

 Ensure that you have enough money in your account to cover the cheques you have written, as if you have insufficient funds we can choose which cheques will be dishonoured and which will be paid and the order in which they will be paid.

We may, however, use our discretion to combine accounts to cover any shortfall in your account.

Important advice on Cheque Book Security

To minimise the possibility of theft or unauthorised use, always keep your cheque book in a safe and secure place. To guard against fraudulent alteration, exercise care when drawing cheques. As well, only write cheques that you know you can fully cover from funds available in your account. It’s your best protection against the possibility of having to pay penalty fees and charges for stopped or dishonoured cheques, or for overdrawing your account. Remember also that when you have a cheque facility, you are responsible for its use by an authorised signatory.

Replacement Cheques

Ordering replacement cheque books is not necessary at Police Credit, as our cheque books are re-ordered automatically when using your last five cheques. For more information call Member Response on 13 63 73.

Stopping Cheques

At any time before a cheque that you have written is presented to us you can ask us not to pay the cheque (to stop the cheque). We will charge you a fee for this service. Once a cheque has been stopped it can not be reactivated.

How do I stop payment on a cheque?

You can stop payment on a cheque by:

 Calling Member Response with sufficient particulars to identify the cheque; we may insist on written confirmation; or

 Writing to Police Credit with sufficient particulars to identify the cheque.

You must of course do this before we have paid the cheque.

For more information, download our brochure: Things you should know about your Cheque Facility

Application

A cheque book linked to a Multipack or Deeming account can be issued to approved applicants, personal customers only. Account holders will need to apply on the appropriate application form and if approved, a cheque book will be issued for their use. As cheque books are replaced automatically, there is no need to apply here if you are already a cheque book holder. There are three ways which you may apply:

Phone	Download Form	Visit a branch
Our friendly Member Response staff can guide you through the application process. Call us on 13 63 73 8am-5pm, Monday to Friday	Download and send your completed Application Form to us at: Reply Paid 669 Police Credit PO Box 669 Carlton South Vic 3053	Visit one of our branches and speak personally with our staff about cheque books. Then simply fill out your application form and become a cheque-book holder.