Circle Alliance Bank
The Post Christmas Hangover and How to Deal With It

Ho ho ho-o-ld on—Christmas hasn’t even begun yet. But when those leftovers are lingering, the parties are fewer and the merry stuff is winding down, will you have a Christmas credit hangover to contend with? Let’s not get ahead of ourselves. Because with a little forward planning, you can ensure you’re spending more of the money you actually have this season, and don’t wind up in the red when the calendar switches to January.

Make a list and a budget for everything Yep—the good, old-fashioned

The latest scams in the lead up to Christmas

 Because of the immense pressure on a person’s finances during the festive months, the year’s end is an opportune time for unlawful scamming activity. Here are three of the latest scams you should be aware of.

1. Heartbreakingly cute pet scams The essence of this is luring customers into “buying” pets that don't exist using cute photos and back-stories. Classic heartstring tugging. According to the Queensland Police, “criminals use free websites, trading or selling sites, local newspapers

5 simple ways to make Christmas special for kids

 ’Tis the season to be greedy! Or at least that’s how so many kids are inadvertently taught to think. To shift the season slightly from simply getting to experiencing, here are five tips from us to you this Christmas:

1. Attend a special event or two Perhaps a holiday-themed concert or parade, and definitely your local Christmas carols event. There are fewer things more special for little ones than singing in a large lively group surrounded by festive decorations and flickering

How to avoid overspending this Christmas

There’s no denying that the end-of-year festivities can pose a discernible strain on your finances. In fact, figures complied by Roy Morgan and the Australian Retailers Association earlier in the month have unveiled that 2017 festive spending will rise by 2.8 per cent compared with the same trading period last year. Shoppers are slated to hand over a not-so-humble $50 million to the retail economy. Approximately 50% of this number will be via credit. Yikes. With all this in mind, how can you

Are you having trouble getting through to Phonelink?   While we have had our Phonelink 1300 number operational for many years, it has come to our attention that some people have still been calling the old local numbers.   We have made changes to Phonelink and it will now only connect if you call 1300 553 571.   Please delete any record you have of old numbers and store our 1300 number instead.   We apologise for any inconvenience this may have caused.

CIRCLE Alliance Bank’s nomination for the Alliance Bank Do Good Community Award (Sean & Genine) have reached the final six from a competitive field of 22. Read below their amazing work they do supporting the Homeless in the Melbourne region through their charity Anonymous X. Sean Thornton is an exceptional Member.

In 2013 he felt so strongly about helping homeless people in Melbourne that he gave up his full time job to create a charity which provides substantial support to the homeless

The Alliance Bank® Do Good Award acknowledges the wonderful work our members and the community do everyday to make a real difference to people's lives and the wider community. ... and the nominees for the Do Good Community Award are:

Muhammad Fahim Mark Scarborough Joshua Hancock Rani Wallace Heidi Procter Anthony Longbottom Delia Quigley Ethel Lee Tendayi Ganga Mercy Omega Jacqui Bennett Genine and Sean Thornton Mark Butterfield Jade Barr Jenny Gaddsen, Charlotte

CIRCLE’s home loan advisory service is a great way to get FREE advice on home and investment loans. Whether you have an existing home loan with another lender, looking to purchase your first home or wanting to purchase an investment property, call CIRCLE’s Loans Manager, Craig Fraser on (03) 9363 2530 for FREE no obligation advice. This offer is not only open to CIRCLE members but also any family, friends or associates who want simple uncomplicated home loan advice.

Scamwatch is run by the Australian Competition and Consumer Commission (ACCC). It provides information to consumers and small businesses about how to recognise, avoid and report scams. The purpose of Scamwatch is to help you recognise a scam and avoid it where possible. Self defence is the best defence. Keep yourself up to date with the latest information from Scamwatch by visiting their website - www.scamwatch.gov.au

Circle’s banking system became available at 8:00pm last night after being offline for most of the day. All services including internet, telephone and mobile banking are now available to members.   We apologise for the inconvenience this has caused and we are working with our technology supplier to ensure this does not happen again.

Members can now transfer to internal and external accounts, pay bills with BPAY and check their account balances directly from their smart phone, anytime, anywhere. To download search for CIRCLE Alliance Bank in your App store or Play store depending on your device. Initial registration details for the App are the same as your Internet Banking details. Enjoy the convenience of banking on your phone. Got more questions? Read our App FAQ page here.

CIRCLE Alliance Bank is pleased to announce that all of our new Visa cards are now payWave enabled. To give you immediate access to this convenient payment method, we are currently in the process of replacing all of our member’s cards with payWave enabled cards. This is a gradual process which we expect to complete by the end of June 2017. Your replacement card number and PIN will remain the same. You may choose to have the payWave feature turned off, though the card will still show payWave. If

Andy Smith, CIRCLE’s CEO will again be participating in the Kidney Health Australia Kidney Kar Rally which will take place from the 11th to 19th August. This years rally will go from Griffith in southern NSW to Wagga Wagga via Cobar, White Cliffs, Tibooburra, Broken Hill, Renmark and Echuca – over 4,000 kilometres. After competing last year and raising over $20,000 to help improve the lives of young Australians with kidney disease the challenge is on to raise even more this year. Last years

We have been notified by several members who have received phone calls from people pretending to be Circle staff. The caller indicates you have money owing to you and will then ask for your account number and account details.

Circle will never call you to ask for your account details – we already have them If you are in doubt as to who is calling you, hang up and dial Circle yourself on 1300 553 582

Whilst a Circle staff member may call you to discuss your account, be on guard when

Pensioner Plus Savings Accounts (S10/S17) interest rates are changing from the 1st February 2017. The new rates will be:

$0 to $500 0.50% p.a $501 to $48,000 1.00% p.a Above $48,000 2.30% p.a

Interest is calculated on the daily balance and paid on the last day of each month.  Interest is calculated on that portion of the balance that sits within each tier.