Banking
First Option Bank
Banking built by members, for members.
At APS, we’re always looking for ways to offer more value and support to our members. That’s why we’ve partnered with First Option Bank, a fellow member-owned organisation that shares our commitment to trust, service and community.
First Option Bank has been serving Australians since 1965, starting with a group of employees who wanted a better financial life for themselves and their families. Now, they offer a wide range of banking products designed to deliver personal service, great value and peace of mind.
As a mutual bank, First Option exists to serve its members, not shareholders. That means profits are reinvested into better products, lower fees and a more personalised banking experience. With a strong focus on ethical banking and long-term relationships, they’re here to help you.
Why First Option?
- Personal Service: As they exist to serve our members, you’ll receive the outstanding customer service you expect from a local, community-focussed business.
- Great Value: Choose from a range of highly competitive and award-winning products, from every day and high interest savings accounts through to credit cards.
- Security: They have multiple layers of security to protect your money.
It’s banking that puts people first, just like we do. Here’s some information from First Option Bank about some of their key services.
Banking, tailored to you.
Everyday Banking
- Get your pay directly deposited
- Spend easily with your Visa Debit Card
- Enjoy 24/7 access through online and mobile banking
All backed by personalised service and member-first support.
Kids’ Banking
- Earn up to 5.05% p.a.*
- Just deposit $5/month with no withdrawals to unlock the bonus rate
- Includes parental access for safe, supervised saving
All backed by personalised service and member-first support.
Business Banking
- Transaction Account
- Tax/GST Account
- Business Bonus Saver
- Sync transactions with Xero & MYOB
All backed by personalised service and member-first support.
Visa Debit Cards
Pay for purchases and access your cash.
- Use for in-store and online shopping
- Integrate into digital wallets on mobile devices
- Access cash across Australia, fee-free, at any of the Big Four Bank’s ATMs
- Change your PIN or lock your cards (24/7) in the app
- Use your Visa debit and credit cards overseas for purchases and cash withdrawals
First Option Low-Rate Visa Credit Card
Enjoy a competitive low rate of 10.49% p.a. and up to 45 days interest-free on purchases – accepted worldwide wherever Visa is accepted.
But this card goes beyond just great value. The First Option Low-Rate Visa is one of the few credit cards in Australia that actively supports the environment.
First Option Low-Rate Visa Credit Card
Enjoy a competitive low rate of 10.49% p.a. and up to 45 days interest-free on purchases – accepted worldwide wherever Visa is accepted.
But this card goes beyond just great value. The First Option Low-Rate Visa is one of the few credit cards in Australia that actively supports the environment.
*For under 18s only. 0.05% p.a. variable interest is the base savings rate up to $5,555. 5.05% p.a. bonus interest is earned when you deposit at least $5 in a month and make no withdrawals.
We’re here to help you
Reach us from 9:00am until 5:00pm weekdays