The biggest and most common questions we get asked.
Wodonga, Wangaratta, Myrtleford & Beechworth – Monday to Friday 9.00am to 5.00pm. Albury & Lavington – Monday to Friday 9.00am to 5.00pm, Saturday 9.30am to 12.30pm Corryong – Monday to Friday 9.00am to 5.00pm. Saturday 9.30am to 12.00 noon. Chiltern & Yackandandah – Monday to Friday 9.00am to 5.00pm (closed 12.30 to 1.30 for lunch each day). Tallangatta – Monday to Thursday 12.30pm to 5.00pm, Friday 9.30am to 5.00pm (closed Friday 1.30 to 2.30pm for lunch). Walla Walla - Monday to Thursday 12.30pm to 4.30pm, Friday 11.30am to 5.00pm (closed Friday 12.30 to 1.30 for lunch). Walwa –Tuesday and Thursday 2.00pm to 5.00pm. Moulamein Business Centre – Monday to Friday 9.30am to 1.00pm. Find the location of your closest Service Centre
The BSB number for BankWAW accounts is 803 070
The atmx by Armaguard network is available Australia wide.
We have Service Centres in North-East Victoria and Southern NSW, but people can bank with us anywhere over the phone and online. WAW customers also have access to the entire fleet of atmx by Armaguard machines across Australia.
Search for your closest Service Centre
An easy way to find your account number is in Internet Banking, your regular bank statements, or cheque book.
You can also call our BankWAW Contact Centre on 1300 368 555 or visit any BankWAW Service Centre. Before we can give your account number we are required to identify you, so you will need to provide adequate identification.
Here’s just a few reasons why you should consider becoming a customer:
We’re a community owned bank, when you open an account with us, you become a part owner.
We invest in our community, we are proud to invest ten percent of our profit back into the community through the WAW Community Fund.
We’re people, helping people. Our friendly and knowledgeable customer service teams love helping our customers, and we’re good at it.
Environmentally responsible. We’re green-minded and proud of it. We support local initiatives to re-vegetate our local environment.
Our competitive rates means that we do loans well. Home loans, personal loans, or even a loan for solar panels.
We may be small, but we are mighty. We offer a great range of banking products and all the usual trimmings of a Mobile App and Internet Banking.
Sure do! Our App is quick to set up, convenient and makes it easy to bank on the go. Check out the full details of the App. You’ll need to be set up with Internet Banking prior to downloading the App. Call us on 1300 368 555 if you would like to double check if you’re already set up with Internet Banking. Internet banking is available 24 hours a day, 7 days a week. Internet Banking can be accessed through the WAW website, the login section is at the top right hand side of the website.
All the information you could want to know about us!
Wodonga, Wangaratta, Myrtleford & Beechworth – Monday to Friday 9.00am to 5.00pm. Albury & Lavington – Monday to Friday 9.00am to 5.00pm, Saturday 9.30am to 12.30pm Corryong – Monday to Friday 9.00am to 5.00pm. Saturday 9.30am to 12.00 noon. Chiltern & Yackandandah – Monday to Friday 9.00am to 5.00pm (closed 12.30 to 1.30 for lunch each day).
Tallangatta – Monday to Thursday 12.30pm to 5.00pm, Friday 9.30am to 5.00pm (closed Friday 1.30 to 2.30pm for lunch). Walla Walla - Monday to Thursday 12.30pm to 4.30pm, Friday 11.30am to 5.00pm (closed Friday 12.30 to 1.30 for lunch). Walwa –Tuesday and Thursday 2.00pm to 5.00pm. Moulamein Business Centre – Monday to Friday 9.30am to 1.00pm.
All the information about international money transfers, including how to send money and how to receive money can be viewed here.
Join the banking revolution that is BankWAW.
BankWAW is a customer owned bank, this means that our customers own the bank and we return our profits to our customers and the communities where we operate. This means that we can offer competitive rates and fair rates and services, rather than paying dividends to external shareholders.
Pop into one of our Service Centres and we’ll be able to open an account, get you set up with Internet Banking and the App, chat about loans or help with anything banking related.
The stuff you need to know about your money.
You will need to visit a Service Centre to change your name. Please note before we can change your address we are required to identify you, so you will need to provide adequate photographic identification. Please also bring any appropriate supporting documentation such as a marriage certificate with you.
An easy way to find your account number is on your regular bank statements or a cheque book. You can also call our Contact Centre on 1300 368 555 or visit any Service Centre. Before we can give your account number we are required to identify you, so you will need to provide adequate identification. You can also view your account information by using our BankWAW Internet Banking service, which can be accessed 24 hours, 7 days per week.
An easy way to find your account number is in Internet Banking, your regular bank statements, or cheque book. You can also call our WAW Contact Centre on 1300 368 555 or visit any WAW Service Centre. Before we can give your account number we are required to identify you, so you will need to provide adequate identification.
We have Service Centres in North-East Victoria and Southern NSW, but people can bank with us anywhere over the phone and online. WAW customers have access to more than 1,700 rediATMs across Australia, including WAW ATMs and those of the major banks.
The BSB number for BankWAW accounts is 803 070.
Internal transfer (between customers) – unlimited up to the account balance.
External transfers $2,000
International transfers $1000
Bpay unlimited up to the account balance (some Bpay billers may have a limit on the amount they can receive)
ATM/EFTPOS Cash Withdrawal $1,000
Paywave tap and go without PIN under $100
Paywave (insert card, press ‘Savings’and use Pin) up to $1000
Paywave (insert card, select Credit, and use PIN) – up to the balance of the account
If you need to make a larger payment, please call us on 1300 368 555 during our business opening hours.
You can withdraw cash from a ATM or via EFTPOS with your purchase, or a WAW Service Centre. If withdrawing an amount over $3,000, please call ahead of visiting. BankWAW customers have access to the entire atmx by Armaguard network Australia-wide. You can also withdraw cash when you make a purchase via EFTPOS. Upon paying for your goods, ask if you can withdraw cash with your purchase. Select SAV on the POS terminal, enter your PIN and ensure the operator hands you your cash. Always check your receipt to ensure the correct amount of cash was added to the purchase.
You can deposit cash or cheques at any BankWAW Service Centre.
To arrange electronic payments to or from your accounts, you will need to give these details to the organisation or financial institution making the transaction:
Financial institution: WAW Credit Union BSB: 803 070 Account name: the name on your WAW Credit Union account Account number: your WAW Credit Union account number
If you need more help, contact us on 1300 368 555
Save for today, and tomorrow
You can view all the interest rates for Transaction Accounts and Savings Accounts available on the Interest Rates page
When an account is an ‘at call’ account, you can withdraw money as soon as it has been deposited. Cheques are an exception, these are held until cleared.
Home loans, personal loans and some common lending terms
You can see all the interest rates for our Transaction, Savings, Term Deposits, Personal Loans and Home Loans on our Interest Rate page.
Refinancing is switching a home loan to a different loan, replacing your current loan with a new (and better!) loan.
Check out all the details on Refinancing
A credit report is a summary of your credit history including:
Current credit
Loans applied for
Repayment history and timeliness
Defaults on payments
Bankruptcies
Court judgements
This report is collected by authorised reporting bodies with information being provided by organisations such as banks and utilities companies.
The who, what, where of Internet Banking and how we keep it secure.
Manage your money and cards, set savings goals, check your balance, manage bills, schedule payments and check your online statements plus more, using BankWAW Internet Banking.
To register for internet banking, please call us on 1300 368 555. Alternatively, you can download and complete a registration form, then return it to any Service Centre or via email.
BankWAW takes your online security extremely seriously given that the Internet is a vast, largely unregulated, network of computers that spans the world. There are no laws that embrace the Internet in its entirety and therefore the protection of your personal information and online transactions is very important. We have adopted a range of security practices designed to safeguard your information from unauthorised access. Equally, online security requires your informed and alert participation. There are also a number of things you should do to minimise the risk of fraud.
We have placed the utmost importance in ensuring that your personal details, funds and account information remain secure from unauthorised access. BankWAW employs banking industry standard 128-bit encryption of confidential data sent to and from this site to ensure that no information can be intercepted and read by others. Encryption scrambles the data that is sent on the line to stop people who may try to tap into or hack into Internet communications. The closed padlock on the bottom of the Internet Banking browser page indicates that the Internet Banking site is secure. Tip: To check that you are using a secure web address, look at the root of the web address following the letters "http://". In a secure site you will see "https:/". The letter "s" signifies that you are accessing a secured address. Unsecured addresses do not include a "s" in the root address; they start with "http://". In addition, our system has various security features to safeguard your transactions and personal information. These include:
secure login pages - your access information is encrypted (scrambled)
customer chosen passwords - you can change your password at any time
customer chosen login name.
password anonymity - you are the only person that knows your password.
the Internet Banking login page is unable to be cached - this means that your personal login information is erased when you leave the login page and cannot be retrieved by anyone else using your computer.
system lock after 3 attempts - if a user enters a password incorrectly 3 times, Internet Banking will be locked and the account blocked. The system can be unlocked and your password reset when the credit union is contacted and the person is identified as the account owner.
timeouts for session inactivity - your Internet Banking session will time out after 15 minutes if there is no activity with your banking session.
We have employed a range of security measures to help protect your personal information and transactions. These measures extend from data encryption to firewalls to automatic timeouts. Therefore, when you do your banking online with us, you can be assured that your banking is safeguarded and protected.
What can I do to minimise the risk of online fraud?
There are two things you should do: 1. Become familiar with the types of online fraud you may experience 2. Adopt responsible practices in relation to the protection of your own personal information.
If you receive a suspicious email purporting to come from a financial institution:
Contact the financial institution to verify the email
Delete the email immediately and do not click on the link
If you have clicked on the link in the email:
Perform a scan for possible viruses and Trojans using your virus protection software. Should you require further information, please contact your software vendor.
After you have completed a scan on your computer, please contact your financial institution to report the occurrence and have your Internet Banking password re-set.
If you do not have anti-virus protection, we recommend that you do not use Internet Banking until you have up-to-date anti-virus protection.
Your customer number (or user created login name) and password identify you to Internet Banking. You must protect them at all times. If you think that someone has accessed your customer number (or user created login name) and/or password you should:
login to Internet Banking and immediately change your password
contact us to advise us of what has occurred by calling 02 6022 8444 or 1300 368 555 or by emailing info@bankwaw.com.au or by writing to us at P.O. Box 568, Wodonga Victoria 3690.
To help you protect your own computer we have provided a list of information sources on online security. WAW does not specifically endorse or take responsibility for the information presented on these sites as they are provided for your information only:
For more information and reporting Internet scams and spam:
Major antivirus software and firewall providers include:
Information on 'spyware' detection tools can be found at:
Information about computer protection can be found at:
Call us on 1300 368 555 and we can help you reset your Internet Banking password.
Keep your card and PIN safe and secure
If you’ve lost a card it’s important to get in touch with BankWAW as soon as possible.
Here are the important phone numbers for lost or stolen cards:
WAW VISA Debit cards (In Australia) Ph: 1800 648 027
WAW VISA Debit cards (From Overseas) Ph: +61 2 8299 9101
MyCard MasterCard: Ph: 1300 135 538
MyCard MasterCard (From Overseas): Ph: +61 2 8225 0620
When you order a card, we send a PIN notification in a separate letter. If you don’t know your PIN, call us on 1300 368 555 to order a new card and PIN. Important: Never give your PIN details to anyone.
Here's how PayID and OSKO work
OSKO by BPAY lets you transfer money in seconds and even make instant payments to other banks 24/7 including weekends and public holidays. Combine OSKO with PayID, and you can send and receive money instantly using just an email address and phone number – rather than trying to remember your full account details each time. You can make an Osko payment using a PayID through Internet Banking and the BankWAW Mobile App. All our accounts transaction accounts are PayID and Osko ready.
The NPP is the new payments infrastructure that enables faster and more flexible payments, allowing payments to occur in real-time. The New Payments Platform uses world leading technology certified to the highest of high data security standards and monitored 24 hours a day, seven days a week. All payments made on the platform will also be subject to our BankWAW fraud screening and detection.
BankWAW has invested in the latest technology supporting faster, simpler, smarter payments. Osko by BPAY enables near real-time payments, typically in less than a minute, 24/7, including weekends and public holidays. BankWAW has always made it possible for our customers to transfer funds between WAW accounts instantly, and now Osko by BPAY will allow for near real time payments between financial institutions 24 hours a day, seven days a week. So, instead of waiting a couple of days for a payment to come through from another financial institution, Osko by BPAY will make the transfer possible within a matter of seconds.
Remembering your account details isn’t easy. When it comes to remembering bank account details, like your BSB and account number, most people simply can’t. With all the numbers and passwords in our lives, these numbers are all too easily forgotten. That’s where a PayID can help PayID is Australia’s new service that makes sending and receiving payments easier. Your PayID can be something you already know, that’s easy to remember — like your mobile phone number or even your email address. You can simply register a PayID within BankWAW’s Internet Banking here, and then we’ll link it to your BankWAW account of your choice. Then when someone needs to pay you, you just give them your PayID. Simple as. What’s better about PayID? PayID is designed to make life just that little bit simpler and will work seamlessly with the new Osko by BPAY service. BankWAW customers can now make and receive payments faster than ever before, anytime, anywhere via online and mobile banking. Pay the right person When you use a PayID with a service like Osko, the name of the person who owns that PayID is shown immediately before you approve the payment. Then all you have to do is simply confirm it’s the right person. Keeping your details private PayID means you don’t have to share your BSB and account number, so you can keep them private. How does PayID work? You can register, your PayID as something you’ll easily remember, like your mobile number. Once registered, when someone wants to pay you, or you want to pay someone else, forget exchanging BSB and account numbers – share your PayID instead. To pay someone using their PayID you simply log-in to WAW's Internet Banking service here. There you’ll be given the option to enter a PayID. The system will automatically show you who the PayID is registered to, so you can check before you confirm the payment. It’s really that simple! If you require any further information about PayID, Osko or the New Payments Platform (NPP) we would be pleased to help. You can contact your nearest Customer Service Centre or call our WAW Contact Centre on 1300 368 555. Contact Consider terms and conditions from BankWAW before using Osko and PayID.
Transaction, savings and loans designed for business
Accept credit and debit cards anywhere and get deposits as fast as the next business day.
Whether you’re just getting started or an established business, check out our Business Transaction Accounts.
Our business is supporting your business… a BankWAW Business Loan can help you out no matter where you are in the business lifecycle. Check out our Business Loans.
We have savings accounts for your business to get moving, view the Business Savings Accounts.
An outline of our fees
'Unlimited transactions' means there is no limit to your online, EFTPOS, or ATM transactions.
All our current fees and charges are listed on these documents:
Find out about what to do if you're facing hardship.
Financial difficulty can happen to anyone. We understand that there are times when it can be difficult to keep on top of your financial commitments. Job loss, relationship breakdown and illness are common events that can contribute to financial hardship.
Invest for the future
Investing in a term deposit is easy at BankWAW, check out all the details of our Term Deposits
Cover for all the material things
Our insurance options provide insurance cover for the material things, so you can focus on the important things.
All your queries about Automated Teller Machines.
Click here to find an atmx near you.
ATM is the acronym used for automatic teller machine.
If you have forgotten your card PIN, you can reset it using the BankWAW app or Internet Banking. Tap on cards, and simply select the change pin option – that simple.
Alternatively, you can call our locally-based customer service team on 1300 368 555 or visit your nearest Service Centre and we can help.
If you're at a WAW Service Centre, our team will be able to help. Otherwise, you can 1300 368 555.
Please call our team on 1300 368 555 who will be able to help.
A direct charge fee is what an ATM owner charges a cardholder directly for using their ATMs. To avoid a direct charge fee, WAW customers are encouraged to use atmx. Our partnership means all transactions with atmx are fee-free.
We love customer service and we're really good at it! Let us help you today!
Our smart looking, smart banking app does everything you need it to do... and more!