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Other Facilities

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Periodical Payments

This service enables you to make a payment or transfer from your savings account on a regular basis.

Periodical payments can be set up to recur (e.g. weekly, fortnightly, monthly, quarterly) for an indefinite or fixed number of payments or transfers.

Outgoing payments can be in the form of transfers to another member's account or to another financial institution. Payments can also be by cheque posted to an address you nominate or to a BPAY biller.

Users of our Internet Banking Service can create their own periodical payments. What's more, you can view, edit or delete any existing periodical payment instruction we hold on file for you. A receipt is generated to confirm your request.


Simply quote our BSB; 803-073 and your account number to your paymaster and your payroll can be credited electronically to your account. Funds are cleared automatically and there is no longer the hassle to trying to bank your pay cheque.

Payroll deductions let you elect to have a certain amount taken out of your pay and re-directed to your accounts every pay day. It takes the pain out of saving and makes it a very convenient way to make your loan repayments.


No one likes paying bills. For most people paying in person or by mail is out of the question. Who has the time?

Now there's another way that's better still - BPAY. With BPAY you can pay all those tiresome bills in one hit, over the Internet or over the phone, 24 hours a day, 7 days a week. Easier. Faster. Better.

Just look for the BPAY symbol on your household bills.

  Additional Information

BPAY over the Internet

The best thing about Internet BPAY is that it is visual, so you can see what you are typing. So while you're surfing the web, you can also take a quick detour to South West Credits easyNet Internet Banking to pay an unlimited number of bills at a time thats convenient to you. You can pay your bills in the comfort of your own home 24 hours a day, 7 days a week. And you needn't worry about security either. Internet BPAY has been specifically designed to protect your funds from unauthorised access.

BPAY over the Phone

If you don't have the internet then your bills can also still be paid easily over the phone. Once you are registered to use South West Credits 'easyWay' Phone banking service you can pay any bill that displays the BPAY logo in just one call. BPAY through easyWay Phone Banking really is easy and secure. Pay your bills anywhere, anytime.

Want to use BPAY?

Using BPAY is simple. Once you've registered for easyNet Internet Banking or easyWay Phone Banking you are automatically registered to use BPAY.

Branch Deposits and Withdrawals

The one place you can conduct all of your banking transactions and still be assured of a friendly smile and help when you need it is at our Branch in Warrnambool.

Simply call into our Branch and you'll see how easy it is. You can transact on any of your accounts, make whatever enquiries you need to and can rest assured that your interests are in good hands.

Direct Credits and Debits

This service enables you to have funds directly credited or debited to or from your South West Credit accounts by other organisations or persons (third parties) - for example regular deposits such as weekly payrolls, tax refunds, superannuation, Centrelink benefits, foreign pensions, etc.

Simply quote our BSB; 803-073 and your account number to the organisation or person required.

Personal Cheque Facility

A personal cheque facility provides Members with a method of paying bills, and may be particularly attractive to our business members where withdrawals require more that one signature, or where other most cost effective methods if bill payment are not available.

Electronic External Credits

This facility provides you with a quick and convenient way to transfer funds to an account at another financial institution. You can do this using our easyNet Internet Banking service or you can call into our branch where one of our friendly Customer Service Officers can assist you. All you need is the BSB, account number and account name of the orgranisation or person you want to transfer to.


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Product Factsheet

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If you have any questions, please contact us Contact Us